<?xml version="1.0" encoding="utf-8"?>
<Search><pages Count="261"><page Index="1"/><page Index="2"><![CDATA[]]></page><page Index="3"><![CDATA[]]></page><page Index="4"><![CDATA[INCIDENT REPORT FORM

               If  you  wish  to  claim  for  an  incident  which  has  caused  loss  or  damage  to  your  property,  and/or
               personal injury, you should complete and return this form.

                   •  Please use capital letters and complete all relevant sections.
                   •  Failure  to  complete  any  mandatory  field  (marked  with  an  asterisk  *)  may  delay  the
                       processing of your claim.

               Completion of this form should not be construed as an admission of liability on the part of the
               council, or that you will automatically receive compensation.  All information is requested in order
               to comply with the protocols laid down in the Civil Justice Reforms 1999 (Woolf Reforms).

               Please return this completed form to:-

               Insurance Section                           or                   insurance@enfield.gov.uk
               PO Box 54
               Civic Centre
               Silver Street
               Enfield
               EN1 3XF


               DETAILS OF INCIDENT

               Date of incident* _______/________/________        Time: __________________     am / pm

               Exact location of incident *








               PLEASE NOTE - You are required to precisely identify the incident location before we can formally
               consider your claim


               Full details of incident – how did the incident occur?*]]></page><page Index="5"><![CDATA[Photographs of defect/hazard*
               Please attach TWO Photographs of defect/hazard.
               One photograph should be a long shot showing the general area, including the defect/hazard and
               one photograph should be a close up showing the defect/hazard. You should mark with a “X” the
               exact location of the incident and mark with an arrow the direction of travel on both photographs
               Please confirm the date the photographs were taken? ______/______/______




               Sketch plan of incident – please ensure that you identify any landmarks and/or house numbers
               that you have referred to in your written description of the incident. (You may wish to attach a
               map downloaded from the internet)

























               Measurement of alleged defect/hazard – e.g. height/depth  ________________________________
               How was this measurement taken? ____________________________________________________

               Have you travelled along this road/route before?*    YES/NO  (delete as applicable)
               If yes, please confirm how often? ______________________________________________________


               Please advise why you believe the London Borough of Enfield is at fault*










               If the incident occurred because of work being carried out by  a contractor, please give the name
               of the Contractor (if known)]]></page><page Index="6"><![CDATA[Injury claims only - please describe any personal injury that you have sustained.
















               Please detail the items and amounts that you are claiming for and the age of the items
               DESCRIPTION OF    DATE OF      WHERE         MAKE/MODEL  REPLACEMENT  ESTIMATE OR
               ITEM              PURCHASE     PURCHASED     NO.             COST            INVOICE
                                                                                            ATTACHED
                                                                                            (YES/NO)











               Vehicle damage claims only
               Please describe any damage to your vehicle
               _____________________________________________________________________________
               _____________________________________________________________________________
               _____________________________________________________________________________

               What speed were you travelling at the time of the incident __________________________mph

               Vehicle registration number __________________  Make/Model _________________________

               Are you the registered owner?    Yes / No   delete as applicable
               Is the vehicle available for inspection?   Yes / No   delete as applicable





               INSURANCE
               Do you have separate house contents/vehicle insurance which would cover this loss?
               Yes / No    delete as applicable

               If yes, have you made a claim to your Insurers?                 Yes / No      delete as applicable]]></page><page Index="7"><![CDATA[YOUR DETAILS*
               Title:  Mr / Mrs / Miss / Ms / Dr          delete as applicable

               Surname __________________________________ Forename _______________________________

               Address ___________________________________________________________________________

               __________________________________________Postcode________________________________

               Email _____________________________________________________________________________

               Contact telephone number ___________________________________________________________




               For Personal Injury claims only


               Date of birth:  _____/_____/_____

               National insurance number:




               Any other relevant comments that you wish to make













               DECLARATION*
               In line with Part 6 of the Local Audit and Accountability Act 2014 , the Council participates in the
               National Fraud Initiative. The information you provide will be held on computerised systems and/or
               papers files, and used for cross-system and cross authority comparison for the prevention and
               detection of fraud.

               In addition, we will pass your records to our Insurers who will also pass the information to the Claims
               & Underwriting Exchange Register; the Motor Insurance Anti-Fraud & Theft register; and other
               similar agencies and bodies. We may also share your information with our claims handlers, legal
               representatives, contractors or outside bodies who may be involved with the investigation of your
               claim.

               I declare that the details I have provided in this form are true to the best of my knowledge and
               belief. I understand that the information I provide may be shared with other bodies and agencies
               as permitted by law and also for the purpose of detecting and preventing fraud. I understand that
               action will be taken against me if I provide information that is untrue.

               Signature*_______________________________Date*_____/______/______]]></page><page Index="8"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE



                                             MASTER SCHEDULE


            Policy Number         UC POP 3838790

            Schedule Number       TRV0125 04/12

            Broker                Jardine Lloyd Thompson Public Sector Risks

                                  UC 6973

            Named Insured         London Borough of Enfield and Enfield Homes


            Postal Address        Civic Centre
                                  Silver Street
                                  Enfield
                                  EN1 3XF

            Business              London Borough Council

                                                        st
            Period of Insurance   A)  EFFECTIVE        1  April 2013

                                                          st
                                  B)  TO               31  March 2014 (Both Dates Inclusive)

                                   st
            Renewal Date          1  April 2014





























                               Travelers Insurance Company Limited, 61-63 London Road Redhill Surrey RH1 1NA
                       Registered office: Exchequer Court, 33 St Mary Axe, London, EC3A 8AG Registered in England 1034343
                                       Authorised and regulated by the Financial Services Authority



                                                       Page 1 of 25]]></page><page Index="9"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE



                                   MASTER SCHEDULE (Continued)


            The following Section(s) and Operational Extension Clauses of the Policy are operative

            Section(s) / Optional Extension Clauses       Renewal Premium(s)        Future Annual Premium(s)

            Employers’ Liability

            Public and Products Liability

            Officials’ Indemnity

            Professional Indemnity


            Sub Total

            Insurance Premium Tax


            Total


            Schedule Issued Code      TRV0125 04/12

            Policy Endorsement(s)     GE19A, GE20, GE26, 1, 2
































                               Travelers Insurance Company Limited, 61-63 London Road Redhill Surrey RH1 1NA
                       Registered office: Exchequer Court, 33 St Mary Axe, London, EC3A 8AG Registered in England 1034343
                                       Authorised and regulated by the Financial Services Authority



                                                       Page 2 of 25]]></page><page Index="10"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE


                                         GENERAL ENDORSEMENT


              GE19A Liability Coverages -  Delegated Claims Handling and
                Notification (amended duties owed by the Named Insured)

            Policy Number                      UC POP 3838790

                                                st
            Effective Date                     1  April 2013

            Named Insured                      London Borough of Enfield and Enfield Homes

            ATTACHING TO AND FORMING PART OF THE ABOVE


            This endorsement applies to the following sections (the ‘Liability Section(s)’) where operative

            (a)    Employers’ Liability Section
            (b)    Public and Products Liability Section
            (c)    Professional Indemnity Section
            (d)    Officials’ Indemnity Section
            (e)    Cover 1 - Third Party Liability of the Motor Fleet Section

            The Company having agreed in writing to delegate to the Named Insured the responsibility to investigate
            adjust defend and/or settle claims the Named Insured accepts and shall comply with the following in their
            performance of this undertaking

            It is agreed that

            (A)     General Condition 6(a) 6(d) and 6(g) and equivalent conditions within Condition 1of the
                           Professional Indemnity Section are deleted and

            (B)     General Condition 6(b) 6(c) 6(e) and 6(f) and equivalent conditions within Condition 1of the
                    Professional Indemnity Section remain in full and effective force other than where expressly modified
                    by this endorsement

            and if circumstances should exist and/or on the happening of any Event which may give rise to a claim under
            this Policy the Named Insured shall instead comply with the following

            1.      The Named Insured shall give written notice as soon as possible (but no later than ten (10) business
                    days from the date the Insured has knowledge) to the Company of every such claim or potential claim

                    (a)    where the Case Reserve exceeds 50% of the Deductible or

                    (b)    involving

                           A.     death
                           B.     serious injury
                           C.     disease
                           D.     adverse publicity whether actual or anticipated
                           E.     multiple claims involving Bodily Injury from one Event
                           F.     Abuse




                           whether or not the Named Insured is of the opinion that they will become legally liable to pay



                                                       Page 3 of 25]]></page><page Index="11"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE


                           Compensation


                           Serious injuries include but are not limited to


                           (i)    Spinal Cord Injury – e.g. paraplegia quadriplegia tetraplegia

                           (ii)   Amputations - requiring a prosthesis

                           (iii)   Brain damage affecting mentality or central nervous system including but not limited to
                                  permanent disorientation behaviour disorder personality change seizures motor deficit
                                  inability to speak (Aphasia) hemiplegia or unconsciousness (Comatose)

                           (iv)   Blindness

                           (v)    Burns involving over 10% of body with third degree or 30% with second degree

                           (vi)   Multiple fractures involving more than one member or non-union

                           (vii)   Fracture of both heel bones (Fractured or Bilateral OS Calcis)

                           (viii)   Nerve damage causing paralysis and loss of sensation in arm and hand (Brachial
                                  Plexus Nerve Damage)

                           (ix)   Massive internal injuries affecting body organs

                           (x)    Injury to nerve at base of spinal canal (Cauda Equina) or any other back injury resulting
                                  in incontinence of bowel and/or bladder

            2.     The Named Insured shall establish and maintain a Case Reserve with respect to each claim or
                   potential claim and shall revise such Case Reserve from time to time on the basis of developments
                   and facts known at the time of such revision or as directed by the Company  The Case Reserve shall
                   reflect the likely reasonable and realistic exposure at the time of calculation

            3.      The Company must approve in writing in advance any claim administrator(s) the Named Insured
                    utilises for claim handling services

                    Where the Named Insured utilises a claim administrator(s) for claim handling services the
                    undertakings in General Condition 6(b) and 6(c) shall be observed and complied with between the
                    Named Insured and such claim administrator(s) in the same manner as if the claim administrator(s)
                    were the Company

                    Where the claim or potential claim is subject to the undertakings within paragraph 1 above then the
                    Named Insured (and/or such claim administrator(s) as agent of the Named Insured) shall forward
                    documents to the Company as required under General Condition 6(b) and 6(c)

            4.     When a claim has been settled or adjudicated the Named Insured will promptly pay the amount of such
                   claim up to the amount of the Deductible to the party to whom the payment is due

                    For the avoidance of doubt in connection with the obligation under this paragraph 4 the applicable
                    Deductible will be applied separately to each claim first as respects the payment of loss and then to the
                    payment of Claim Investigation Expenses

            5.     the Named Insured will have no authority to pay or agree to pay any amount of a claim or potential
                   claim greater than the amount of the Deductible without the Company's prior written consent







                                                       Page 4 of 25]]></page><page Index="12"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE


            6.     Notwithstanding the Company having delegated to the Named Insured the responsibility to

                   investigate adjust defend and/or settle claims



                   (a)     the Company has the right duty and ultimate authority to investigate defend or settle any claim
                           The Company has the right to establish or revise any Case Reserve with respect to claims
                           under the Policy

                    (b)    the Company will have the right to associate with the Named Insured in the defence of any
               claim or to assume control of the defence of any claim  The assumption of control shall include but not be
               limited to the investigation and settlement of any claim the selection or retention of counsel and appeal of
               any judgement

            Subject otherwise to the terms conditions and exclusions of the Policy































































                                                       Page 5 of 25]]></page><page Index="13"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE



                                 GENERAL POLICY ENDORSEMENT


                           GE20 Deductible And Aggregate Deductible Limit Provisions

            Policy Number                      UC POP 3838790

            Effective Date                     1  April 2013
                                                st

            Named Insured                      London Borough of Enfield and Enfield Homes

            ATTACHING TO AND FORMING PART OF THE ABOVE

            Article 1

            It is noted and agreed that in respect of the Sections of the Policy stated below the amounts for which the
            Named Insured shall be responsible for as a Deductible are stated below (and not in the Schedule)

                Deductible applicable under the following   Deductible amount:
                Sections of the Policy:

                Employers’ Liability Section

                a Deductible shall apply as follows         £250,000
                                                                                subject to an Aggregate
                                                                                Deductible Limit of
                                                                                and thereafter
                                                                                upon exhaustion of such
                Public and Products Liability Section                           Aggregate Deductible Limit

                a Deductible shall apply as follows         £250,000



            Article 2

            The amount of any Aggregate Deductible Limit specified in Article 1 of this endorsement stated as applying
            to the
            (a)     Employers’ Liability Section
            (b)     Public and Products Liability Section

            will be adjusted at each Renewal Date to take into account any rise in the Average Weekly Earnings Index
            for Public Sector Employees issued by the Office for National Statistics applicable to the continuous period of
            12 months which expires 3 months prior to the month in which the Renewal Date falls

            Any such increase in line with the index noted above shall not constitute a material change in the terms of
            the Policy and for the avoidance of doubt shall not be in breach of any long term undertaking entered into
            between the Company and the Named Insured

            Subject otherwise to the terms conditions and exclusions of the Policy










                                                       Page 6 of 25]]></page><page Index="14"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE



                                 GENERAL POLICY ENDORSEMENT


            GE26 Delegated Claims Handling - Bordereaux Reporting And Disposition Of Claims

            Policy Number                      UC POP 3838790

            Effective Date                     1  April 2013
                                                st

            Named Insured                      London Borough of Enfield and Enfield Homes

            ATTACHING TO AND FORMING PART OF THE ABOVE

            The Company having agreed in writing to delegate to the Named Insured the responsibility to investigate
            adjust defend and/or settle claims the Named Insured accepts and shall comply with the following in their
            performance of this undertaking

            1.      The Company must approve in writing in advance any claim administrator(s) the Named Insured
                    utilises for claim handling services

            2.      The Named Insured will furnish the Company with:

                    (a)    a report  (the frequency of such reports to be supplied as required by the Company in writing or
                           to be supplied upon request by the Company) which  provides details of all claims paid and
                           outstanding and which  provides the following  minimum  information

                           (i)    the period of cover
                           (ii)   the identity of the claimants or injured parties
                           (iii)   the dates places description and cause of injuries or damages
                           (iv)   the amounts of the Case Reserve for such claim

                           so that any Aggregate Deductible Limit applicable to the Policy can be monitored

                           This obligation  continues even  if the Policy  is lapsed or cancelled until such  time the
                           Company  agrees in  writing  that  it no  longer requires the information

                           Failure  to  supply  such  claim  reports  required  by  the  Company  to  enable  any  Aggregate
                           Deductible Limit applicable to the Policy to be monitored and controlled by the Company will
                           result in the Aggregate Deductible Limit being null and void and in the event of a breach of
                           the Aggregate Deductible Limit amount the Named Insured shall continue to be responsible
                           for amounts stated as applying to any Section as a Deductible

                    (b)    other claim information or reports as requested by the Company from time to time

            3.      The Company shall have the right to inspect audit and copy during normal business hours all files data
                    and other written information in the possession of the Named Insured or any claim administrator(s) the
                    Named Insured utilises for claim handling services relating to claims

            4.      The Named Insured and the Company agree that all claim files in the possession of the Named Insured
                    or its successor assignee nominee trustee or any claim administrator(s) the Named Insured utilises for
                    claim handling services are the joint property of both parties

            Subject otherwise to the terms conditions and exclusions of the Policy










                                                       Page 7 of 25]]></page><page Index="15"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE


                                        GENERAL ENDORSEMENT


            General Endorsement Number         1

            Policy Number                      UC POP 3838790

            Effective Date                     1  April 2013
                                                st

            Named Insured                      London Borough of Enfield and Enfield Homes

            ATTACHING TO AND FORMING PART OF THE ABOVE

            Long Term Agreement

            In consideration of a discount of 5 per cent being allowed off the premium(s) on this policy the Insured
                                      st
            undertakes with effect from 1  April 2010 to offer annually for 3 years the insurance under this policy on the
            terms and conditions in force at the expiry of each Period of Insurance and to pay the premiums annually in
            advance, it being understood that the Company shall be under no obligation to accept an offer made in
            accordance with the above-mentioned undertaking

            The above-mentioned undertaking applies to any policy (or policies) which may be issued by the Company in
            substitution for this policy and the same discount of  per cent shall be allowed off the premiums on any
            substituted policy (or policies) issued by the Company

            Payment of the first premium or renewal premium shall be deemed acceptance by the Insured of the policy
            terms including but in no way limited to this clause

            Following expiry of the initial 3 year period following the agreement of both parties, this long term agreement
            has been extended by one year and subject to the agreement of both parties, this long term agreement can
            be extended by a further year

            EXPIRY DATE: 2014 / 2015





































                                                       Page 8 of 25]]></page><page Index="16"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE


                                        GENERAL ENDORSEMENT


            General Endorsement Number          2

            Policy Number                      UC POP 3838790

                                                st
            Effective Date                     1  April 2013

            Named Insured                      London Borough of Enfield and Enfield Homes

                                                st
                                                                st
            Period of Insurance                1  April 2013 to 31  March 2014

            Rebate Adjustment Period           1  April 2011 to 31  March 2012 to be reviewed in 2014
                                                st
                                                                st

            ATTACHING TO AND FORMING PART OF THE ABOVE

            Subject to the Policy being renewed for the Period of Insurance shown above the Company agrees to allow a
            percentage rebate of the Gross Premium paid to the Company for the Rebate Adjustment Period on the
            liability Sections of the Policy on the following basis

                    Earned Loss Ratio            Claims Within Deductible                Rebate






            This undertaking forms part of the contract of insurance between the Insured and the Company and is only
            applicable where the Insured has signed a Long Term Agreement with the Company and the insurance has
            remained in force continuously from commencement of the Rebate Adjustment Period to the Rebate
            Payment Date

            All figures used in the calculation will be those recorded by the Company as at   months after
            commencement of the Rebate Adjustment Period

            For the purposes of this Endorsement the terms below will have the following meanings

            Gross Premium shall mean the total sum paid for the Rebate Adjustment Period net of any Insurance
            Premium Tax commission discounts and Terrorism premium

            Earned Loss Ratio shall mean the sum of the gross claims payments made by the Company and gross
            case reserves that fall due to the Company in respect of the Rebate Adjustment Period divided by the Gross
            Premium

            Claims within deductible shall mean the total of all claims paid and case reserves contributing to the
            erosion of each aggregate cap for the Rebate Adjustment Period

            Rebate Payment Date shall mean upon receipt of the premium for the current Period of Insurance















                                                       Page 9 of 25]]></page><page Index="17"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE


                                  EMPLOYERS’ LIABILITY SECTION


                                                    SCHEDULE

            Policy Number                    UC POP 3838790

                                              st
            Effective Date                   1  April 2013

            Limit of Indemnity               £50,000,000       Any one occurrence as stated in the Policy




            Section Deductible               £250,000





            Section Premium                  £





            Schedule Issued Code             TRV0126 04/12





            Section Endorsement(s)           EL09, EL10



































                                                      Page 10 of 25]]></page><page Index="18"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE



                     EMPLOYERS’ LIABILITY SECTION ENDORSEMENT


                                                 EL09 Asbestos Limit



            Policy Number                      UC POP 3838790

                                                st
            Effective Date                     1  April 2013

            Named Insured                      London Borough of Enfield and Enfield Homes

            ATTACHING TO AND FORMING PART OF THE ABOVE

            The amount of the Limit of Indemnity applicable to the Employers’ Liability Section of this Policy as stated in
            the Section Schedule is reduced to £5,000,000 in respect of liability inclusive of all claimants’ and defence
            costs and expenses any one occurrence or all occurrences of a series directly or indirectly resulting from
            caused by contributed to attributed to or in any way related to

                (a)    the actual or alleged or threatened absorption ingestion or inhalation of asbestos in any form

                       or

                (b)    the existence of asbestos in any form

            Subject otherwise to the terms conditions and exclusions of the Policy













































                                                      Page 11 of 25]]></page><page Index="19"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE




                               EMPLOYERS’ LIABILITY SECTION ENDORSEMENT

                                           EL10 Voluntary Aided Schools



            Policy Number                       UC POP 3838790

            Effective Date                      1  April 2013
                                                 st

            Named Insured                       London Borough of Enfield and Enfield Homes


            ATTACHING TO AND FORMING PART OF THE ABOVE


            The following amendments are made to the Employers’ Liability Section

            1.      For the purposes of this Section

                    (a)    the Named Insured as described in the Master Schedule shall be extended to include the
                           following bodies corporate (being variously voluntary aided endowed controlled and special
                           agreement schools and colleges and similar establishments)


                     St Monica's Roman Catholic School
                     St Paul's Church of England School
                     St Andrews Church of England School Enfield
                     St Anne's Catholic High School For Girls
                     St Edmunds Roman Catholic School
                     St Georges Roman Catholic School
                     St John & St James Church of England School
                     St James Church of England School Enfield
                     St Johns Church of England School
                     St Mary's Roman Catholic School
                     St Michaels Church of England School
                     St Michael at Bowes School
                     Wolfson Hillel Primary School
                     Latymer All Saints Primary School
                     Our Lady Of Lourdes School
                     St Andrews Church of England School Chase Road
                     Forty Hill Church of England Primary School
                     Freezywater St Georges (Primary) School
                     Bishop Stopford's School


                    (b)    the Business as described in the Master Schedule shall be extended to include all activities
                           of each body corporate stated in paragraph 1(a) above carried on by such body corporate at
                           or from premises within the Territorial Limits


            2.      The indemnity provided by the Employers’ Liability Section is amended as undernoted

                    (a)    Voluntary Aided Schools – application of limits



                                                      Page 12 of 25]]></page><page Index="20"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE



                           Where the Employers’ Liability Section provides an indemnity to any voluntary aided

                           endowed controlled or special agreement school or college or similar establishment being a

                           body corporate stated in paragraph 1(a) of this endorsement that is deemed to be a
                           separate employer from London Borough of Enfield and Enfield Homes and in the event the
                           total Limit of Indemnity as stated in the Employers’ Liability Section Schedule together with
                           any excess employers liability coverage fails to provide the minimum amount any one
                           occurrence required by the relevant law applicable in Great Britain Northern Ireland the Isle
                           of Man the Island of Guernsey the Island of Jersey or the Island of Alderney or where so
                           extended to offshore installations in any waters outside the United Kingdom to which the
                           Employers’ Liability (Compulsory Insurance) Act 1969 or any amending primary legislation
                           applies for each separate body corporate stated in paragraph 1(a) of this endorsement and
                           London Borough of Enfield and Enfield Homes the Company will nevertheless provide the
                           minimum amount required by such relevant law any one occurrence for each separate body
                           corporate stated in paragraph 1(a) of this endorsement and London Borough of Enfield and
                           Enfield Homes


                    (b)    Voluntary Aided Schools – application of Deductible

                           In respect of the Employers’ Liability Section and indemnity provided thereunder to any
                           voluntary aided endowed controlled or special agreement school or college or

                           similar establishment being a body corporate stated in paragraph 1(a) of this endorsement it
                           is understood and agreed that any Deductible stated as applying to the Employers’ Liability
                           Section shall only apply as an amount to be repaid by London Borough of Enfield and
                           Enfield Homes to the Company after such claim has been settled by the Company by
                           payment of the relevant amount to the claimant provided that

                           (i)    upon notification of any such payment made by the Company London Borough of
                                  Enfield and Enfield Homes will promptly reimburse the Company for the amount of
                                  such payment including Claim Investigation Expenses up to the limit of the Deductible
                                  amount in accordance with General Exclusion 5

                           (ii)   the separate endorsement titled LIABILITY COVERAGES -  Delegated Claims
                                  Handling and Notification (amended duties owed by the Named Insured) where
                                  attaching to this Policy shall apply also to all claim amounts referred to in this
                                  paragraph 2(b) of this endorsement



            Subject otherwise to the terms conditions and exclusions of the Policy


























                                                      Page 13 of 25]]></page><page Index="21"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE



                                  PUBLIC AND PRODUCTS SECTION

                                                    SCHEDULE

            Policy Number             UC POP 3838790

            Effective Date            1  April 2013
                                       st

            Limit of Indemnity        £50,000,000    Any one occurrence as stated in the Policy

                                      £50,000,000    For Products Liability amount opposite shall be the total
                                                     amount payable during any one Period of Insurance as stated
                                                     in the Policy

            Section Deductible        £250,000






            Section Premium           £



            Schedule Issued Code      TRV0126 04/12


            Section Endorsement(s)   PL43, PL46(A), PL70A, 1










































                                                      Page 14 of 25]]></page><page Index="22"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE


                                   PUBLIC & PRODUCTS LIABILITY



                                                ENDORSEMENT

            Endorsement Number                 PL43

            Policy Number                      UC POP 3838790

            Effective Date                     1 April 2013
                                                st

            Named Insured                      London Borough of Enfield and Enfield Homes

            ATTACHING TO AND FORMING PART OF THE ABOVE

            The Company shall not be liable to indemnify the Insured (inclusive of associated claimants’ and defence
            costs and expenses) in respect of legal liability directly or indirectly resulting from caused by contributed to
            attributed to or in any way related to any legionella species bacterium arising at (or in connection with work
            activities carried on at) premises owned or leased or rented by the Named Insured in connection with the
            Business unless the Named Insured has complied with the following Special Provision - Risk Management
            Requirements For Legionella detailed below

            Special Provision - Risk Management Requirements For Legionella

            1.      A written legionella policy has been prepared and implemented which inter alia

                    (a)    appoints a person to be managerially responsible for the implementation management and
                           monitoring of the legionella policy

                    (b)    states the means of identifying and assessing the sources of risk from exposure to legionella
                           species bacteria along with the arrangements in force to prevent or control the proliferation
                           of legionella species bacteria

                    (c)    incorporates the principles advocated in the Health and Safety Executive’s Approved Code
                           of Practice and Guidance L8 titled "Legionnaire's disease – The control of legionella bacteria
                           in water systems" or any amending Health and Safety Executive guidance

            2.      The effectiveness of the legionella policy described in 1. above is monitored on a regular basis and
                    any corrective action suggested by such monitoring taken

                    Such monitoring to include

                    (a)    the implementation of a legionella testing regime to ensure that microbiological control is
                           being achieved

                    (b)    documented monitoring of the implemented procedures and arrangements detailed in the
                           legionella policy

                    (c)    documented audits of the overall legionella policy to be undertaken by the Named Insured’s
                           management not less than once in any 12 month period

            Subject otherwise to the terms conditions and exclusions of the Policy











                                                      Page 15 of 25]]></page><page Index="23"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE



            PUBLIC AND PRODUCTS LIABILITY SECTION ENDORSEMENT


                                PL46(A) – HEALTH CARE EXTENSION

            Policy Number                      UC POP 3838790

            Effective Date                     1  April 2013
                                                st

            Named Insured                      London Borough of Enfield and Enfield Homes

            As from the effective date shown above the indemnity provided under the Public and Products Liability
            Section shall be extended to include liability for Bodily Injury arising from an act or omission by an individual
            other than a Health Care Professional in the provision of or failure to provide Health Care

            Provided that

            (a)        the Health Care has been detailed in a care plan that has been drawn up by or otherwise
                       approved by a Health Care Professional and the Named Insured has carried out risk
                       assessments and approved the service user facility’s provision of such treatment

            (b)        and such individual has undergone documented training and achieved the competency standard
                       specified in the care plan and is working under direction or control of a Health Care Professional

            (c)        the Company shall not be liable to indemnify any Health Care Professional

            For the purpose of this endorsement the words

            (i)        ‘Health Care’ shall mean health care (but not First Aid) that has been disclosed to and agreed by
                       the Company in writing and detailed in Appendix 1 and or Appendix 2 of this endorsement

            (ii)       ‘Health Care Professional’ shall mean those members of the health care professions being
                       medical and dental practitioners nurses and midwives and professions allied to medicine

            (iii)      ‘First Aid’ shall mean emergency care (other than pre planned emergency treatment for specific
                       individuals) given immediately to an injured or sick person

            Subject otherwise to the terms conditions and exclusions of the Policy






























                                                      Page 16 of 25]]></page><page Index="24"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE



               PUBLIC & PRODUCTS LIABILITY SECTION  ENDORSEMENT


                                PL46(A) – HEALTH CARE EXTENSION

                           APPENDIX 1 – ACCEPTABLE TREATMENTS




            The following Health Care procedures are agreed by the Company subject to provisions (a) (b) and (c) above

                •   Bathing (subject to routine visits to service users by senior officer to check for abuse)
                •   Blood pressure monitoring by automated machine only following training and referral of variation
                    from specified limits to Health Care Professional
                •   Blood sample taking by glucometer or fingerprick only used in accordance with the manfacturers’
                    guidelines
                •   Body fluid balance monitoring subject to referral of variation from specified limits to Health Care
                    Professional
                •   Breathing monitoring
                •   Buccal midazolam administered orally
                •   Catheters limited to changing of bags and cleaning of tube excluding insertion
                •   Colostomy/stoma care limited to changing of bags and cleaning
                •   Denture cleansing
                •   Dressing care (external) application and replacement
                •   Ear/nose drop application
                •   Gastronomy tube peg feeding or bolus feed via a gastronomy tube or pump and cleaning and peg
                    feeding with medication prescribed by a medical professional and undertaken in consultation with a
                    pharmacist but excluding insertion/reinsertion of tube
                •   Hearing aid checking fitting (excluding measuring) and replacement
                •   Inhalers and nebulisers limited to the provision of assistance to user in application or fitting of mask
                •   Injections limited to the administration of pre-packaged doses (intramuscular or subcutaneous only)
                    required on a regular basis or in a pre-planned emergency
                •   Medipens (Epipens and Anapens) for anaphylactic shock with a pre-assembled pre-dosed epipen
                    epinaphrene or adrenaline/epinephrine
                •   Oral hygiene for individuals unable to swallow
                •   Nasal suction limited to the clearing of the nose via a fitted stent but excluding insertion of stent
                •   Naso-gastric tube feeding/bolus feeding and cleaning of tube
                •   Occupational therapy support through the provision of progress assessment for goals set by
                    professional physiotherapist and self-care assessments for capability of service users to live
                    independently in their own homes
                •   Oral medication administered as prescribed by a Health Care Professional subject to the Named
                    Insured’s medication policy and obtaining parental consent forms for pupils at day schools
                •   Oxygen administration limited to the provision of assistance to user in fitting of mask
                •   Postural drainage exercise
                •   Pressure bandage application to assist with positioning of digits
                •   Pulse rate monitoring by finger pressure on wrist only and referral of variation from specified limits to
                    Health Care Professional
                •   Rectal midazolam or rectal diazepam administration for repeated epileptic seizures or emergency in
                    a pre-packaged dose and subject to two members of staff being present
                •   Splints braces corsets application
                •   Swabs limited to the cleansing of skin or inside of mouth/nose and taking of samples from external
                    wounds for analysis
                •   Temperature taking via ear only subject to referral of variation from specified limits to Health Care
                    Professional
                •   Toenail cutting unless service user has diabetes or vascular disease




                                                      Page 17 of 25]]></page><page Index="25"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE


                •   Topical medication a  nd application of patches using pre-prescribed medication creams and lotions
                    only
                •   Tracheostomy  care limited to the cleaning around edge of tube only

                •   Use of ventilators















































































                                                      Page 18 of 25]]></page><page Index="26"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE



                     PUBLIC AND PRODUCTS LIBILITY ENDORSEMENT


                               PL70A Premises Owned By Named Insured - Indemnity to Hirer


            Policy Number                      UC POP 3838790

                                                st
            Effective Date                     1  April 2013

            Named Insured                      London Borough of Enfield and Enfield Homes

            ATTACHING TO AND FORMING PART OF THE ABOVE

            As from the Effective Date shown above the following amendment is made to the Policy

            Clause 13 of the Public and Products Liability Section Cover is replaced with the following

            13. Premises Owned By Named Insured - Indemnity to Hirer

            If the Named Insured so requests the Company will indemnify individuals and organisations (excluding
            political parties or professional entertainers) under clauses 1 and 2 and 3 of the Cover in connection with
            their hire of and activities carried on at premises owned by the Named Insured for amounts for which the
            individuals and organisation are held legally liable under the terms of the Named Insured's hiring agreement

            Furthermore for the purposes of this clause 13 of the Cover Section exclusion 1(a) shall not apply in respect
            of Damage to the Named Insured's property arising from such hire of and activities carried on at premises
            owned by the Named Insured and for which the individuals and organisation are held legally responsible
            under the terms of the Named Insured's hiring agreement

            Provided that

            (a)     each party covered hereunder shall observe fulfil and be subject to the terms and conditions of the
                    Policy insofar as they can apply
            (b)     the  Company's  aggregate  liability  to  all  parties  indemnified  under  this  clause  13  of  the  Cover  in
                    respect of all claims arising from an Event shall not exceed £1,000,000 and which amount shall be
                    inclusive  within  and  not  in  addition  to  the  amount  of  the  Limit  of  Indemnity  stated  in  the  Section
                    Schedule
            (c)     liability would have attached to the individual or organisation in the absence of the Named Insured's
                    hiring agreement
            (d)     the Deductible shall not apply but the Company shall not be liable for the first £500 in respect of all
                    claims arising from an Event and for the avoidance of doubt such amounts shall not count to any
                    section or policy aggregate deductible
             (e)    the Company will not provide indemnity in respect of
                    (i)    liability  for and arising out of Injury or Damage occurring to any individual participating in the
                           activity being carried on at such premises where such liability is caused by or arises from an
                           act or omission of any individual or organisation otherwise eligible for indemnity by this
                           clause 13 of the Cover
                    (ii)   liability more specifically insured under any other insurance or which would be so insured but
                           for the existence of this clause

            Subject otherwise to the terms conditions and exclusions of the Policy










                                                      Page 19 of 25]]></page><page Index="27"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE



                            PUBLIC & PRODUCTS LIABILITY SECTION


                                                ENDORSEMENT

            Endorsement Number                 1

            Policy Number                      UC POP 3838790

            Effective Date                     1 April 2013
                                                st

            Named Insured                      London Borough of Enfield and Enfield Homes

            ATTACHING TO AND FORMING PART OF THE ABOVE

            Endorsement PL05 is operative and amended to read as follows:

            PL05  Libel and Slander

            Injury  is hereby extended under this Section to include

                   (a)     libels appearing in any Publication normal to the conduct of the Insured’s Business by
                           Employees of the Insured

                   (b)     slander in oral utterance made by any Employee in the course of and in pursuance of the
                           Business

            but only in respect of claims made against the Insured during the Period of Insurance or within 90 days after
            the Policy is cancelled or lapsed and provided that the date of the Publication or utterance on which the claim
            is based occurred during the Period of Insurance.  In addition the Company will indemnify the Insured in
            respect of costs and expenses incurred with the written consent of the Company in the defence or
            compromise of any proceedings for libel and slander as aforesaid begun or threatened against the Insured in
            any such proceedings

            Provided that

                   (i)     the liability of the Company (including costs and expenses) shall not exceed in the
                           aggregate £5,000,000 (and which shall form part of and not in addition to the Limit of
                           Indemnity in respect of all claims during any one Period of Insurance and in respect of all
                           damages costs and legal expenses incurred or awarded in connection with any one
                           Publication or utterance whether or not all claims in respect thereof shall be made during the
                           same Period of Insurance

                   (ii)    this extension shall not apply to libels and slanders made by one Employee of the Insured
                           against another or of any member of a joint venture to any other member thereof

                   (iii)   General Condition 12 – Cross Liabilities shall not apply to this extension


            Subject otherwise to the terms conditions and exclusions of the Policy














                                                      Page 20 of 25]]></page><page Index="28"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE


                                   OFFICIALS’ INDEMNITY SECTION


                                                    SCHEDULE

            Policy Number             UC POP 3838790

                                       st
            Effective Date            1  April 2013

            Limit of Indemnity        £10,000,000       in the aggregate during the Period of Insurance in respect
                                                        of Officials’ Indemnity


            Retroactive Date          1  April 2004
                                       st



            Section Deductible        £nil



            Section Premium           £





            Schedule Issued Code      TRV0126 04/12




            Section Endorsement(s)   OI01A, 1, 2




































                                                      Page 21 of 25]]></page><page Index="29"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE



                     OFFICIALS’ INDEMNITY SECTION  ENDORSEMENT


                         OI01A Election Cover - Returning And Acting Returning Officers

            Policy Number                      UC POP 3838790

            Effective Date                     1  April 2013
                                                st

            Named Insured                      London Borough of Enfield and Enfield Homes

            ATTACHING TO AND FORMING PART OF THE ABOVE


            1.      The following is added to the Officials’ Indemnity Section Cover:

            Election Cover – Returning and Acting Returning Officers
            The Company will indemnify the Insured subject to the Limit of Indemnity in connection with the conducting
            of local parliamentary elections including any personal liability which may attach to the returning officer or
            acting returning officer or persons officially acting for them in respect of

            (i)   legal expenses reasonably incurred in connection with the defence of any proceedings brought against
                  the Insured or any returning officer or acting returning officer or persons officially acting for them

            (ii)    legal liability for the cost of holding another election in the event of the original election being declared
                  invalid


            where such proceedings or invalidation are the result of accidental contravention of any of the provisions of
            the Representation of the People Acts (or any statutory modification of such) or breach of any ministerial or
            other duty by the returning officer or acting returning officer or persons officially acting for them in connection
            with the election

            Provided that

            (a)     an indemnity is not available elsewhere or where but for the existence of this Policy indemnity would
                    have been provided

            (b)     for  the avoidance of doubt in respect of any personal liability which may attach to the returning
                    officer or acting returning officer or persons officially acting for them any indemnity which attaches as
                    a consequence of this endorsement will be subject to the Deductible


            2.      The following replaces the Officials’ Indemnity Section Limit of Liability:

            Limit of Indemnity

            The Company’s total liability in respect of indemnity under Cover clauses 1 2 4 5 and 6 and the Election
            Cover – Returning and Acting Returning Officers Cover clause of this Section in any one Period of Insurance
            shall not exceed in the aggregate the Limit of Indemnity stated in the Schedule.

            Subject otherwise to the terms conditions and exclusions of the Policy






                                                      Page 22 of 25]]></page><page Index="30"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE



                      OFFICIALS’ INDEMNITY SECTION  ENDORSEMENT


            Endorsement Number                 1

            Policy Number                      UC POP 3838790

            Effective Date                     1  April 2013
                                                st

            Named Insured                      London Borough of Enfield and Enfield Homes

            ATTACHING TO AND FORMING PART OF THE ABOVE

            It is noted that in respect of Cover 3. Public Health Act the Limit of Indemnity is increased to £250,000

            Subject otherwise to the terms conditions and exclusions of the Policy
































































                                                      Page 23 of 25]]></page><page Index="31"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE



                     OFFICIALS’ INDEMNITY SECTION  ENDORSEMENT




            Endorsement Number                 2

            Policy Number                      UC POP 3838790

                                                st
            Effective Date                     1  April 2013

            Named Insured                      London Borough of Enfield and Enfield Homes

            ATTACHING TO AND FORMING PART OF THE ABOVE

                                                                                   st
            Cover provided by this Section of the Policy is subject to a Retroactive Date of 1  April 2013 in respect of all
            activities of the Named Insured assumed under the Health and Social Care Act 2012

            Subject otherwise to the terms conditions and exclusions of the Policy



























































                                                      Page 24 of 25]]></page><page Index="32"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE


                               PROFESSIONAL INDEMNITY SECTION


                                                    SCHEDULE

            Policy Number             UC POP 3838790

            Effective Date            1  April 2013
                                       st


                                       st
            Retroactive Date          1  September 2003 in respect of Business Activity A
                                       st
                                      1  September 2010 in respect of Business Activity B
                                       st
                                      1  April 2011 in respect of Business Activity C
                                       rd
                                      3  October 2011 in respect of Business Activity D
                                       st
                                      1  April 2011 in respect of Business Activity E
                                       st
                                      1  April 2012 in respect of Business Activity F
                                      1  April 2012 in respect of Business Activity G
                                       st

            Business Activities

            A.      Community and Social Services (Care and Repair)

            B.      Schools traded services for non maintained schools and colleges of further education

            C.         Regeneration, Leisure and Culture – to provide urban design and built heritage professional advice

            D.         Environment Department – to provide health and safety consultancy

            E.         Environment Department – SLA for schools and Enfield Homes

            F.         Development Management – Provide drawings and specifications for small domestic developments
            and provide code for Sustainable Homes Assessment

            G.         Finance – Provide specified legal services to community schools, voluntary aided schools, foundation
            schools and academies in Enfield


            Limit of Indemnity        £1,000,000         in the aggregate during the Period of Insurance



            Section Deductible        £1,000             each and every claim in respect of Business Activity A
                                      £2,500             each and every claim in respect of Business Activity B
                                      £1,000             each and every claim in respect of Business Activity C
                                      £1,000             each and every claim in respect of Business Activity D
                                      £1,000                        each and every claim in respect of Business Activity E
                                      £1,000                        each and every claim in respect of Business Activity F
                                      £1,000                        each and every claim in respect of Business Activity G

            Section Premium           £


            Schedule Issued Code      TRV0126 04/12


            Section Endorsement(s)   None






                                                      Page 25 of 25]]></page><page Index="33"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE



                                             MASTER SCHEDULE


            Policy Number         UC POP 3838790

            Broker                Marsh Ltd

            Broker Number         UC 6266

            Named Insured         London Borough of Enfield and Enfield Homes


            Postal Address        Civic Centre
                                  Silver Street
                                  Enfield
                                  EN1 3XF

            Business              London Borough Council

                                                        st
            Period of Insurance   A)  EFFECTIVE        1  April 2014

                                                          st
                                  B)  TO               31  March 2015 (Both Dates Inclusive)

                                   st
            Renewal Date          1  April 2015

























            Travelers Insurance Company Limited
            61-63 London Road, Redhill, Surrey RH1 1NA

            Travelers Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct
            Authority and the Prudential Regulation Authority.
            Registered office: Exchequer Court, 33 St. Mary Axe, London EC3A 8AG. Registered in England 1034343

            travelers.co.uk





                                                       Page 1 of 26]]></page><page Index="34"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE



                                   MASTER SCHEDULE (Continued)


            The following Section(s) and Operational Extension Clauses of the Policy are operative

            Section(s) / Optional Extension Clauses       Renewal Premium(s)        Future Annual Premium(s)

            Employers’ Liability

            Public and Products Liability

            Officials’ Indemnity

            Professional Indemnity


            Sub Total

            Insurance Premium Tax


            Total


            Schedule Issued Code      TRV0125 02/14

            Policy Endorsement(s)     GE19A, GE20, GE26, 1, 2

























            Travelers Insurance Company Limited
            61-63 London Road, Redhill, Surrey RH1 1NA

            Travelers Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct
            Authority and the Prudential Regulation Authority.
            Registered office: Exchequer Court, 33 St. Mary Axe, London EC3A 8AG. Registered in England 1034343

            travelers.co.uk





                                                       Page 2 of 26]]></page><page Index="35"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE


                                         GENERAL ENDORSEMENT


               GE19A Liability Coverages - Delegated Claims Handling and
                Notification (amended duties owed by the Named Insured)

            Policy Number                      UC POP 3838790

                                                st
            Effective Date                     1  April 2014

            Named Insured                      London Borough of Enfield and Enfield Homes

            ATTACHING TO AND FORMING PART OF THE ABOVE


            This endorsement applies to the following sections (the ‘Liability Section(s)’) where operative

            (a)    Employers’ Liability Section
            (b)    Public and Products Liability Section
            (c)    Professional Indemnity Section
            (d)    Officials’ Indemnity Section
            (e)    Cover 1 - Third Party Liability of the Motor Fleet Section

            The Company having agreed in writing to delegate to the Named Insured the responsibility to investigate
            adjust defend and/or settle claims the Named Insured accepts and shall comply with the following in their
            performance of this undertaking

            It is agreed that

            (A)     General Condition 6(a) 6(d) and 6(g) and equivalent conditions within Condition 1of the
                           Professional Indemnity Section are deleted and

            (B)     General Condition 6(b) 6(c) 6(e) and 6(f) and equivalent conditions within Condition 1of the
                    Professional Indemnity Section remain in full and effective force other than where expressly modified
                    by this endorsement

            and if circumstances should exist and/or on the happening of any Event which may give rise to a claim under
            this Policy the Named Insured shall instead comply with the following

            1.      The Named Insured shall give written notice as soon as possible (but no later than ten (10) business
                    days from the date the Insured has knowledge) to the Company of every such claim or potential claim

                    (a)    where the Case Reserve exceeds 50% of the Deductible or

                    (b)    involving

                           A.     death
                           B.     serious injury
                           C.     disease
                           D.     adverse publicity whether actual or anticipated
                           E.     multiple claims involving Bodily Injury from one Event
                           F.     Abuse




                           whether or not the Named Insured is of the opinion that they will become legally liable to pay



                                                       Page 3 of 26]]></page><page Index="36"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE


                           Compensation


                           Serious injuries include but are not limited to


                           (i)    Spinal Cord Injury – e.g. paraplegia quadriplegia tetraplegia

                           (ii)   Amputations - requiring a prosthesis

                           (iii)   Brain damage affecting mentality or central nervous system including but not limited to
                                  permanent disorientation behaviour disorder personality change seizures motor deficit
                                  inability to speak (Aphasia) hemiplegia or unconsciousness (Comatose)

                           (iv)   Blindness

                           (v)    Burns involving over 10% of body with third degree or 30% with second degree

                           (vi)   Multiple fractures involving more than one member or non-union

                           (vii)   Fracture of both heel bones (Fractured or Bilateral OS Calcis)

                           (viii)   Nerve damage causing paralysis and loss of sensation in arm and hand (Brachial
                                  Plexus Nerve Damage)

                           (ix)   Massive internal injuries affecting body organs

                           (x)    Injury to nerve at base of spinal canal (Cauda Equina) or any other back injury resulting
                                  in incontinence of bowel and/or bladder

            2.     The Named Insured shall establish and maintain a Case Reserve with respect to each claim or
                   potential claim and shall revise such Case Reserve from time to time on the basis of developments
                   and facts known at the time of such revision or as directed by the Company  The Case Reserve shall
                   reflect the likely reasonable and realistic exposure at the time of calculation

            3.      The Company must approve in writing in advance any claim administrator(s) the Named Insured
                    utilises for claim handling services

                    Where the Named Insured utilises a claim administrator(s) for claim handling services the
                    undertakings in General Condition 6(b) and 6(c) shall be observed and complied with between the
                    Named Insured and such claim administrator(s) in the same manner as if the claim administrator(s)
                    were the Company

                    Where the claim or potential claim is subject to the undertakings within paragraph 1 above then the
                    Named Insured (and/or such claim administrator(s) as agent of the Named Insured) shall forward
                    documents to the Company as required under General Condition 6(b) and 6(c)

            4.     When a claim has been settled or adjudicated the Named Insured will promptly pay the amount of such
                   claim up to the amount of the Deductible to the party to whom the payment is due

                    For the avoidance of doubt in connection with the obligation under this paragraph 4 the applicable
                    Deductible will be applied separately to each claim first as respects the payment of loss and then to the
                    payment of Claim Investigation Expenses

            5.     the Named Insured will have no authority to pay or agree to pay any amount of a claim or potential
                   claim greater than the amount of the Deductible without the Company's prior written consent







                                                       Page 4 of 26]]></page><page Index="37"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE


            6.     Notwithstanding the Company having delegated to the Named Insured the responsibility to

                   investigate adjust defend and/or settle claims



                   (a)     the Company has the right duty and ultimate authority to investigate defend or settle any claim
                           The Company has the right to establish or revise any Case Reserve with respect to claims
                           under the Policy

                    (b)    the Company will have the right to associate with the Named Insured in the defence of any
               claim or to assume control of the defence of any claim  The assumption of control shall include but not be
               limited to the investigation and settlement of any claim the selection or retention of counsel and appeal of
               any judgement

            Subject otherwise to the terms conditions and exclusions of the Policy































































                                                       Page 5 of 26]]></page><page Index="38"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE



                                 GENERAL POLICY ENDORSEMENT


                           GE20 Deductible And Aggregate Deductible Limit Provisions

            Policy Number                      UC POP 3838790

                                                st
            Effective Date                     1  April 2014

            Named Insured                      London Borough of Enfield and Enfield Homes

            ATTACHING TO AND FORMING PART OF THE ABOVE

            Article 1

            It is noted and agreed that in respect of the Sections of the Policy stated below the amounts for which the
            Named Insured shall be responsible for as a Deductible are stated below (and not in the Schedule)

                Deductible applicable under the following   Deductible amount:
                Sections of the Policy:


                Employers’ Liability Section

                a Deductible shall apply as follows         £250,000




                                                                                subject to an Aggregate
                Public and Products Liability Section                           Deductible Limit of
                                                                                          and thereafter
                a Deductible shall apply as follows         £250,000            upon exhaustion of such
                                                                                Aggregate Deductible Limit


                Officials Indemnity Section

                a Deductible shall apply as follows         £50,000
                Professional Indemnity Section

                a Deductible shall apply as follows         £50,000



            Article 2

            The amount of any Aggregate Deductible Limit specified in Article 1 of this endorsement stated as applying
            to the

            (a)     Employers’ Liability Section
            (b)     Public and Products Liability Section
            (c)     Officials Indemnity Section
            (d)     Professional Indemnity Section







                                                       Page 6 of 26]]></page><page Index="39"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE


            will be adjusted at each Renewal Date to take into account any rise in the Average Weekly Earnings Index

            for Public Sector Employees issued by the Office for National Statistics applicable to the continuous period of

            12 months which expires 3 months prior to the month in which the Renewal Date falls


            Any such increase in line with the index noted above shall not constitute a material change in the terms of
            the Policy and for the avoidance of doubt shall not be in breach of any long term undertaking entered into
            between the Company and the Named Insured

            Subject otherwise to the terms conditions and exclusions of the Policy










































































                                                       Page 7 of 26]]></page><page Index="40"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE



                                 GENERAL POLICY ENDORSEMENT


            GE26 Delegated Claims Handling - Bordereaux Reporting And Disposition Of Claims

            Policy Number                      UC POP 3838790

                                                st
            Effective Date                     1  April 2014

            Named Insured                      London Borough of Enfield and Enfield Homes

            ATTACHING TO AND FORMING PART OF THE ABOVE

            The Company having agreed in writing to delegate to the Named Insured the responsibility to investigate
            adjust defend and/or settle claims the Named Insured accepts and shall comply with the following in their
            performance of this undertaking

            1.      The Company must approve in writing in advance any claim administrator(s) the Named Insured
                    utilises for claim handling services

            2.      The Named Insured will furnish the Company with:

                    (a)    a report  (the frequency of such reports to be supplied as required by the Company in writing or
                           to be supplied upon request by the Company) which  provides details of all claims paid and
                           outstanding and which  provides the following  minimum  information

                           (i)    the period of cover
                           (ii)   the identity of the claimants or injured parties
                           (iii)   the dates places description and cause of injuries or damages
                           (iv)   the amounts of the Case Reserve for such claim

                           so that any Aggregate Deductible Limit applicable to the Policy can be monitored

                           This obligation  continues even  if the Policy  is lapsed or cancelled until such  time the
                           Company  agrees in  writing  that  it no  longer requires the information

                           Failure  to  supply  such  claim  reports  required  by  the  Company  to  enable  any  Aggregate
                           Deductible Limit applicable to the Policy to be monitored and controlled by the Company will
                           result in the Aggregate Deductible Limit being null and void and in the event of a breach of
                           the Aggregate Deductible Limit amount the Named Insured shall continue to be responsible
                           for amounts stated as applying to any Section as a Deductible

                    (b)    other claim information or reports as requested by the Company from time to time

            3.      The Company shall have the right to inspect audit and copy during normal business hours all files data
                    and other written information in the possession of the Named Insured or any claim administrator(s) the
                    Named Insured utilises for claim handling services relating to claims

            4.      The Named Insured and the Company agree that all claim files in the possession of the Named Insured
                    or its successor assignee nominee trustee or any claim administrator(s) the Named Insured utilises for
                    claim handling services are the joint property of both parties

            Subject otherwise to the terms conditions and exclusions of the Policy










                                                       Page 8 of 26]]></page><page Index="41"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE


                                        GENERAL ENDORSEMENT



            General Endorsement Number         1

            Policy Number                      UC POP 3838790

                                                st
            Effective Date                     1  April 2014

            Named Insured                      London Borough of Enfield and Enfield Homes

            ATTACHING TO AND FORMING PART OF THE ABOVE

            Long Term Agreement

            In consideration of a                    being allowed off the premium(s) on this policy the Insured
                                      st
            undertakes with effect from 1  April 2014 to offer annually for 5 years the insurance under this policy on the
            terms and conditions in force at the expiry of each Period of Insurance and to pay the premiums annually in
            advance, it being understood that the Company shall be under no obligation to accept an offer made in
            accordance with the above-mentioned undertaking

            The above-mentioned undertaking applies to any policy (or policies) which may be issued by the Company in
            substitution for this policy and the same discount of    shall be allowed off the premiums on any
            substituted policy (or policies) issued by the Company

            Payment of the first premium or renewal premium shall be deemed acceptance by the Insured of the policy
            terms including but in no way limited to this clause

            Following expiry of the initial 5 year period following the agreement of both parties, this long term agreement
            has been extended by one year and subject to the agreement of both parties, this long term agreement can
            be extended by a further year

            EXPIRY DATE: 2019





































                                                       Page 9 of 26]]></page><page Index="42"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE


                                        GENERAL ENDORSEMENT



            General Endorsement Number         2

            Policy Number                      UC POP 3838790

                                                st
            Effective Date                     1  April 2014

            Named Insured                      London Borough of Enfield and Enfield Homes

            ATTACHING TO AND FORMING PART OF THE ABOVE

            It is hereby noted that in consideration of the rebate scheme entered into in conjunction with the Long Term
                                      st
            Agreement with effect from 1  April 2010 a premium refund of     plus IPT at 6% has been allowed to
                                                         st
                                                                        st
            the Insured in respect of the Period of Insurance 1  April 2011 to 31  March 2012

            The above mentioned rebate scheme is no longer in force for the current Period of Insurance




























































                                                      Page 10 of 26]]></page><page Index="43"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE


                                  EMPLOYERS’ LIABILITY SECTION


                                                    SCHEDULE

            Policy Number                    UC POP 3838790

                                              st
            Effective Date                   1  April 2014

            Limit of Indemnity               £50,000,000       Any one occurrence as stated in the Policy




            Section Deductible               £250,000





            Section Premium





            Schedule Issued Code             TRV0126 02/14





            Section Endorsement(s)           EL09, EL10



































                                                      Page 11 of 26]]></page><page Index="44"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE



                     EMPLOYERS’ LIABILITY SECTION ENDORSEMENT


                                                 EL09 Asbestos Limit



            Policy Number                      UC POP 3838790

                                                st
            Effective Date                     1  April 2014

            Named Insured                      London Borough of Enfield and Enfield Homes

            ATTACHING TO AND FORMING PART OF THE ABOVE

            The amount of the Limit of Indemnity applicable to the Employers’ Liability Section of this Policy as stated in
            the Section Schedule is reduced to £5,000,000 in respect of liability inclusive of all claimants’ and defence
            costs and expenses any one occurrence or all occurrences of a series directly or indirectly resulting from
            caused by contributed to attributed to or in any way related to

                (a)    the actual or alleged or threatened absorption ingestion or inhalation of asbestos in any form

                       or

                (b)    the existence of asbestos in any form

            Subject otherwise to the terms conditions and exclusions of the Policy













































                                                      Page 12 of 26]]></page><page Index="45"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE




                     EMPLOYERS’ LIABILITY SECTION ENDORSEMENT

                                           EL10 Voluntary Aided Schools




            Policy Number                       UC POP 3838790

                                                 st
            Effective Date                      1  April 2014

            Named Insured                       London Borough of Enfield and Enfield Homes


            ATTACHING TO AND FORMING PART OF THE ABOVE


            The following amendments are made to the Employers’ Liability Section

            1.      For the purposes of this Section

                    (a)    the Named Insured as described in the Master Schedule shall be extended to include the
                           following bodies corporate (being variously voluntary aided endowed controlled and special
                           agreement schools and colleges and similar establishments)


                     St Monica's Roman Catholic School
                     St Paul's Church of England School
                     St Andrews Church of England School Enfield
                     St Anne's Catholic High School For Girls
                     St Edmunds Roman Catholic School
                     St John & St James Church of England School
                     St James Church of England School Enfield
                     St Johns Church of England School
                     St Mary's Roman Catholic School
                     St Michael at Bowes School
                     Wolfson Hillel Primary School
                     Latymer All Saints Primary School
                     Our Lady Of Lourdes School
                     St Andrews Church of England School Chase Road
                     Forty Hill Church of England Primary School
                     Freezywater St Georges (Primary) School
                     Bishop Stopford's School


                    (b)    the Business as described in the Master Schedule shall be extended to include all activities
                           of each body corporate stated in paragraph 1(a) above carried on by such body corporate at
                           or from premises within the Territorial Limits


            2.      The indemnity provided by the Employers’ Liability Section is amended as undernoted

                    (a)    Voluntary Aided Schools – application of limits

                           Where the Employers’ Liability Section provides an indemnity to any voluntary aided



                                                      Page 13 of 26]]></page><page Index="46"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE


                           endowed controlled or special agreement school or college or similar establishment being a

                           body corporate stated in paragraph 1(a) of this endorsement that is deemed to be a

                           separate employer from London Borough of Enfield and Enfield Homes and in the event the

                           total Limit of Indemnity as stated in the Employers’ Liability Section Schedule together with
                           any excess employers liability coverage fails to provide the minimum amount any one
                           occurrence required by the relevant law applicable in Great Britain Northern Ireland the Isle
                           of Man the Island of Guernsey the Island of Jersey or the Island of Alderney or where so
                           extended to offshore installations in any waters outside the United Kingdom to which the
                           Employers’ Liability (Compulsory Insurance) Act 1969 or any amending primary legislation
                           applies for each separate body corporate stated in paragraph 1(a) of this endorsement and
                           London Borough of Enfield and Enfield Homes the Company will nevertheless provide the
                           minimum amount required by such relevant law any one occurrence for each separate body
                           corporate stated in paragraph 1(a) of this endorsement and London Borough of Enfield and
                           Enfield Homes


                    (b)    Voluntary Aided Schools – application of Deductible

                           In respect of the Employers’ Liability Section and indemnity provided thereunder to any
                           voluntary aided endowed controlled or special agreement school or college or

                           similar establishment being a body corporate stated in paragraph 1(a) of this endorsement it
                           is understood and agreed that any Deductible stated as applying to the Employers’ Liability
                           Section shall only apply as an amount to be repaid by London Borough of Enfield and
                           Enfield Homes to the Company after such claim has been settled by the Company by
                           payment of the relevant amount to the claimant provided that

                           (i)    upon notification of any such payment made by the Company London Borough of
                                  Enfield and Enfield Homes will promptly reimburse the Company for the amount of
                                  such payment including Claim Investigation Expenses up to the limit of the Deductible
                                  amount in accordance with General Exclusion 5

                           (ii)   the separate endorsement titled LIABILITY COVERAGES -  Delegated Claims
                                  Handling and Notification (amended duties owed by the Named Insured) where
                                  attaching to this Policy shall apply also to all claim amounts referred to in this
                                  paragraph 2(b) of this endorsement



            Subject otherwise to the terms conditions and exclusions of the Policy





























                                                      Page 14 of 26]]></page><page Index="47"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE



                          PUBLIC AND PRODUCTS LIABILITY SECTION

                                                    SCHEDULE

            Policy Number             UC POP 3838790

                                       st
            Effective Date            1  April 2014

            Limit of Indemnity        £50,000,000    Any one occurrence as stated in the Policy

                                      £50,000,000    For Products Liability amount opposite shall be the total
                                                     amount payable during any one Period of Insurance as stated
                                                     in the Policy

            Section Deductible        £250,000






            Section Premium




            Schedule Issued Code      TRV0126 02/14


            Section Endorsement(s)   PL43, PL46(A), PL70A, 1








































                                                      Page 15 of 26]]></page><page Index="48"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE


                          PUBLIC AND PRODUCTS LIABILITY SECTION



                                                ENDORSEMENT

            Endorsement Number                 PL43

            Policy Number                      UC POP 3838790

                                                st
            Effective Date                     1 April 2014

            Named Insured                      London Borough of Enfield and Enfield Homes

            ATTACHING TO AND FORMING PART OF THE ABOVE

            The Company shall not be liable to indemnify the Insured (inclusive of associated claimants’ and defence
            costs and expenses) in respect of legal liability directly or indirectly resulting from caused by contributed to
            attributed to or in any way related to any legionella species bacterium arising at (or in connection with work
            activities carried on at) premises owned or leased or rented by the Named Insured in connection with the
            Business unless the Named Insured has complied with the following Special Provision - Risk Management
            Requirements For Legionella detailed below

            Special Provision - Risk Management Requirements For Legionella

            1.      A written legionella policy has been prepared and implemented which inter alia

                    (a)    appoints a person to be managerially responsible for the implementation management and
                           monitoring of the legionella policy

                    (b)    states the means of identifying and assessing the sources of risk from exposure to legionella
                           species bacteria along with the arrangements in force to prevent or control the proliferation
                           of legionella species bacteria

                    (c)    incorporates the principles advocated in the Health and Safety Executive’s Approved Code
                           of Practice and Guidance L8 titled "Legionnaire's disease – The control of legionella bacteria
                           in water systems" or any amending Health and Safety Executive guidance

            2.      The effectiveness of the legionella policy described in 1. above is monitored on a regular basis and
                    any corrective action suggested by such monitoring taken

                    Such monitoring to include

                    (a)    the implementation of a legionella testing regime to ensure that microbiological control is
                           being achieved

                    (b)    documented monitoring of the implemented procedures and arrangements detailed in the
                           legionella policy

                    (c)    documented audits of the overall legionella policy to be undertaken by the Named Insured’s
                           management not less than once in any 12 month period

            Subject otherwise to the terms conditions and exclusions of the Policy











                                                      Page 16 of 26]]></page><page Index="49"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE


                          PUBLIC AND PRODUCTS LIABILITY SECTION


                                                ENDORSEMENT

                                PL46(A) – HEALTH CARE EXTENSION

            Policy Number                      UC POP 3838790

                                                st
            Effective Date                     1  April 2014

            Named Insured                      London Borough of Enfield and Enfield Homes

            As from the effective date shown above the indemnity provided under the Public and Products Liability
            Section shall be extended to include liability for Bodily Injury arising from an act or omission by an individual
            other than a Health Care Professional in the provision of or failure to provide Health Care

            Provided that

            (a)        the Health Care has been detailed in a care plan that has been drawn up by or otherwise
                       approved by a Health Care Professional and the Named Insured has carried out risk
                       assessments and approved the service user facility’s provision of such treatment

            (b)        and such individual has undergone documented training and achieved the competency standard
                       specified in the care plan and is working under direction or control of a Health Care Professional

            (c)        the Company shall not be liable to indemnify any Health Care Professional

            For the purpose of this endorsement the words

            (i)        ‘Health Care’ shall mean health care (but not First Aid) that has been disclosed to and agreed by
                       the Company in writing and detailed in Appendix 1 and or Appendix 2 of this endorsement

            (ii)       ‘Health Care Professional’ shall mean those members of the health care professions being
                       medical and dental practitioners nurses and midwives and professions allied to medicine

            (iii)      ‘First Aid’ shall mean emergency care (other than pre planned emergency treatment for specific
                       individuals) given immediately to an injured or sick person

            Subject otherwise to the terms conditions and exclusions of the Policy




























                                                      Page 17 of 26]]></page><page Index="50"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE


                          PUBLIC AND PRODUCTS LIABILITY SECTION


                                                ENDORSEMENT

                                PL46(A) – HEALTH CARE EXTENSION

                           APPENDIX 1 – ACCEPTABLE TREATMENTS



            The following Health Care procedures are agreed by the Company subject to provisions (a) (b) and (c) above

                   Bathing (subject to routine visits to service users by senior officer to check for abuse)
                   Blood pressure monitoring by automated machine only following training and referral of variation
                    from specified limits to Health Care Professional
                   Blood sample taking by glucometer or fingerprick only used in accordance with the manfacturers’
                    guidelines
                   Body fluid balance monitoring subject to referral of variation from specified limits to Health Care
                    Professional
                   Breathing monitoring
                   Buccal midazolam administered orally
                   Catheters limited to changing of bags and cleaning of tube excluding insertion
                   Colostomy/stoma care limited to changing of bags and cleaning
                   Denture cleansing
                   Dressing care (external) application and replacement
                   Ear/nose drop application
                   Gastronomy tube peg feeding or bolus feed via a gastronomy tube or pump and cleaning and peg
                    feeding with medication prescribed by a medical professional and undertaken in consultation with a
                    pharmacist but excluding insertion/reinsertion of tube
                   Hearing aid checking fitting (excluding measuring) and replacement
                   Inhalers and nebulisers limited to the provision of assistance to user in application or fitting of mask
                   Injections limited to the administration of pre-packaged doses (intramuscular or subcutaneous only)
                    required on a regular basis or in a pre-planned emergency
                   Medipens (Epipens and Anapens) for anaphylactic shock with a pre-assembled pre-dosed epipen
                    epinaphrene or adrenaline/epinephrine
                   Oral hygiene for individuals unable to swallow
                   Nasal suction limited to the clearing of the nose via a fitted stent but excluding insertion of stent
                   Naso-gastric tube feeding/bolus feeding and cleaning of tube
                   Occupational therapy support through the provision of progress assessment for goals set by
                    professional physiotherapist and self-care assessments for capability of service users to live
                    independently in their own homes
                   Oral medication administered as prescribed by a Health Care Professional subject to the Named
                    Insured’s medication policy and obtaining parental consent forms for pupils at day schools
                   Oxygen administration limited to the provision of assistance to user in fitting of mask
                   Postural drainage exercise
                   Pressure bandage application to assist with positioning of digits
                   Pulse rate monitoring by finger pressure on wrist only and referral of variation from specified limits to
                    Health Care Professional
                   Rectal midazolam or rectal diazepam administration for repeated epileptic seizures or emergency in
                    a pre-packaged dose and subject to two members of staff being present
                   Splints braces corsets application
                   Swabs limited to the cleansing of skin or inside of mouth/nose and taking of samples from external
                    wounds for analysis
                   Temperature taking via ear only subject to referral of variation from specified limits to Health Care
                    Professional



                                                      Page 18 of 26]]></page><page Index="51"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE


                   Toenail cutting unles  s service user has diabetes or vascular disease
                   Topical medication a  nd application of patches using pre-prescribed medication creams and lotions
                    only
                   Tracheostomy  care limited to the cleaning around edge of tube only
                   Use of ventilators














































































                                                      Page 19 of 26]]></page><page Index="52"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE



                          PUBLIC AND PRODUCTS LIABILITY SECTION


                                                ENDORSEMENT

                               PL70A Premises Owned By Named Insured - Indemnity to Hirer



            Policy Number                      UC POP 3838790

                                                st
            Effective Date                     1  April 2014

            Named Insured                      London Borough of Enfield and Enfield Homes

            ATTACHING TO AND FORMING PART OF THE ABOVE

            As from the Effective Date shown above the following amendment is made to the Policy

            Clause 13 of the Public and Products Liability Section Cover is replaced with the following

            13. Premises Owned By Named Insured - Indemnity to Hirer

            If the Named Insured so requests the Company will indemnify individuals and organisations (excluding
            political parties or professional entertainers) under clauses 1 and 2 and 3 of the Cover in connection with
            their hire of and activities carried on at premises owned by the Named Insured for amounts for which the
            individuals and organisation are held legally liable under the terms of the Named Insured's hiring agreement

            Furthermore for the purposes of this clause 13 of the Cover Section exclusion 1(a) shall not apply in respect
            of Damage to the Named Insured's property arising from such hire of and activities carried on at premises
            owned by the Named Insured and for which the individuals and organisation are held legally responsible
            under the terms of the Named Insured's hiring agreement

            Provided that

            (a)     each party covered hereunder shall observe fulfil and be subject to the terms and conditions of the
                    Policy insofar as they can apply
            (b)     the  Company's  aggregate  liability  to  all  parties  indemnified  under  this  clause  13  of  the  Cover  in
                    respect of all claims arising from an Event shall not exceed £1,000,000 and which amount shall be
                    inclusive  within  and  not  in  addition  to  the  amount  of  the  Limit  of  Indemnity  stated  in  the  Section
                    Schedule
            (c)     liability would have attached to the individual or organisation in the absence of the Named Insured's
                    hiring agreement
            (d)     the Deductible shall not apply but the Company shall not be liable for the first £50,000 in respect of
                    all claims arising from an Event and for the avoidance of doubt such amounts shall not count to any
                    section or policy aggregate deductible
             (e)    the Company will not provide indemnity in respect of
                    (i)    liability  for and arising out of Injury or Damage occurring to any individual participating in the
                           activity being carried on at such premises where such liability is caused by or arises from an
                           act or omission of any individual or organisation otherwise eligible for indemnity by this
                           clause 13 of the Cover
                    (ii)   liability more specifically insured under any other insurance or which would be so insured but
                           for the existence of this clause

            Subject otherwise to the terms conditions and exclusions of the Policy






                                                      Page 20 of 26]]></page><page Index="53"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE



                          PUBLIC AND PRODUCTS LIABILITY SECTION


                                                ENDORSEMENT

            Endorsement Number                 1

            Policy Number                      UC POP 3838790

                                                st
            Effective Date                     1 April 2014

            Named Insured                      London Borough of Enfield and Enfield Homes

            ATTACHING TO AND FORMING PART OF THE ABOVE

            Definition
            In this endorsement the following term shall have the following meaning

            1. Claim
                    The word ‘Claim’ shall mean a demand for or an assertion of right to Compensation

            2.
                    The word 'Publication' shall mean any notice agenda minutes or reports of meetings of the Insured and
                    correspondence or publications relating to the Named Insured's activities whether recorded in printed
                    page electronic data or other permanent media

            Injury is hereby extended under this Section to include

                (a)  libels appearing in any Publication normal to the conduct of the Named Insured’s Business accidentally
                    committed or occasioned by the Insured in good faith

                (b)  slanders in oral utterances accidentally committed or occasioned by any Employee in good faith in the
                    course of and in pursuance of the Business

                (c)  notwithstanding General Exclusion 6. Cyber Risk – Third Party which shall not apply to this paragraph
                    (c) libels accidentally committed or occasioned by the Insured in good faith appearing in any Publication
                    comprising documents agendas minutes or reports of meetings that have been vetted and formally
                    approved for publication by the Named Insured on their official website maintained by them but only in
                    respect of any Claim which is both first made against the Insured and notified to the Company during the
                    Period of Insurance or notified to the Company within thirty days after the end of the Period of Insurance
                    and provided that

                 (i) the date of the Publication or utterance on which the Claim is based occurred during the Period of
                   Insurance

                 (ii) the liability of the Company in respect of all Claims (including claimants’ and defence costs and expenses
                   as indemnified for under clause 2 and 3 of the Cover) in any one Period of Insurance shall not exceed in
                   the aggregate £5,000,000 and for the avoidance of doubt as regards all Compensation costs and legal
                   expenses incurred or awarded in connection with any one Publication or utterance whether or not all
                   claims in respect thereof shall be made during the same Period of Insurance

                 (iii)   this extension shall not apply to libels or slanders made to or by one Employee or former Employee of
                     the Named Insured against another or to libels or slanders committed or occasioned by the Insured in
                     connection with any obligation owed by the Named Insured as employer to any Employee or former
                     Employee or made by any member of a joint venture to any other member thereof

                 (iv) General Condition 12 — Cross Liabilities shall not apply to this extension

            Subject otherwise to the terms conditions and exclusions of the Policy




                                                      Page 21 of 26]]></page><page Index="54"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE


                                   OFFICIALS’ INDEMNITY SECTION


                                                    SCHEDULE

            Policy Number             UC POP 3838790

                                       st
            Effective Date            1  April 2014

            Limit of Indemnity        £10,000,000       in the aggregate during the Period of Insurance in respect
                                                        of Officials’ Indemnity


                                       st
            Retroactive Date          1  April 2004

                                       st
                                      1  April 1998 in respect of Cover 2. Land Charges Indemnity

            Section Deductible        £50,000



            Section Premium





            Schedule Issued Code      TRV0126 02/14




            Section Endorsement(s)   OI01A, OI02




































                                                      Page 22 of 26]]></page><page Index="55"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE



                      OFFICIALS’ INDEMNITY SECTION ENDORSEMENT


                         OI01A Election Cover - Returning And Acting Returning Officers

            Policy Number                      UC POP 3838790

                                                st
            Effective Date                     1  April 2014

            Named Insured                      London Borough of Enfield and Enfield Homes

            ATTACHING TO AND FORMING PART OF THE ABOVE



            1.      The following is added to the Officials’ Indemnity Section Cover:

            Election Cover – Returning and Acting Returning Officers
            The Company will indemnify the Insured subject to the Limit of Indemnity in connection with the conducting
            of local parliamentary elections including any personal liability which may attach to the returning officer or
            acting returning officer or persons officially acting for them in respect of

            (i)   legal expenses reasonably incurred in connection with the defence of any proceedings brought against
                  the Insured or any returning officer or acting returning officer or persons officially acting for them

            (ii)    legal liability for the cost of holding another election in the event of the original election being declared
                  invalid


            where such proceedings or invalidation are the result of accidental contravention of any of the provisions of
            the Representation of the People Acts (or any statutory modification of such) or breach of any ministerial or
            other duty by the returning officer or acting returning officer or persons officially acting for them in connection
            with the election

            Provided that

            (a)     an indemnity is not available elsewhere or where but for the existence of this Policy indemnity would
                    have been provided

            (b)     for  the avoidance of doubt in respect of any personal liability which may attach to the returning
                    officer or acting returning officer or persons officially acting for them any indemnity which attaches as
                    a consequence of this endorsement will be subject to the Deductible


            2.      The following replaces the Officials’ Indemnity Section Limit of Liability:

            Limit of Indemnity

            The Company’s total liability in respect of indemnity under Cover clauses 1 2 4 5 and 6 and the Election
            Cover – Returning and Acting Returning Officers Cover clause of this Section in any one Period of Insurance
            shall not exceed in the aggregate the Limit of Indemnity stated in the Schedule.

            Subject otherwise to the terms conditions and exclusions of the Policy






                                                      Page 23 of 26]]></page><page Index="56"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE



                      OFFICIALS’ INDEMNITY SECTION ENDORSEMENT


                                       OI02 Health and Social Care Act 2012


            Policy Number                      UC POP 3838790

                                                st
            Effective Date                     1  April 2014

            Named Insured                      London Borough of Enfield and Enfield Homes

            ATTACHING TO AND FORMING PART OF THE ABOVE

            The following is added to Officials Indemnity Section Condition

                                                                    st
            The Retroactive Date stated in the Schedule is replaced with 1  April 2013 in respect of any Claim arising
            out of any activity of the Named Insured assumed under the Health and Social Care Act 2012

            Subject otherwise to the terms conditions and exclusions of the Policy

























































                                                      Page 24 of 26]]></page><page Index="57"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE


                               PROFESSIONAL INDEMNITY SECTION


                                                    SCHEDULE

            Policy Number             UC POP 3838790

                                       st
            Effective Date            1  April 2014


                                       st
            Retroactive Date          1  September 2010 in respect of Business Activity A
                                       st
                                      1  April 2011 in respect of Business Activity B
                                       rd
                                      3  October 2011 in respect of Business Activity C
                                       st
                                      1  April 2011 in respect of Business Activity D
                                       st
                                      1  April 2012 in respect of Business Activity E

            Business Activities

            A.      Schools traded services for non maintained schools and colleges of further education

            B.         Regeneration, Leisure and Culture – to provide urban design and built heritage professional advice

            C.         Environment Department – to provide health and safety consultancy

            D.         Environment Department – SLA for schools and Enfield Homes

            E.         Development Management – Provide drawings and specifications for small domestic developments
            and provide code for Sustainable Homes Assessment

            Limit of Indemnity        £1,000,000         in the aggregate during the Period of Insurance

            Section Deductible        £50,000            each and every loss

            Section Premium

            Schedule Issued Code      TRV0126 02/14

            Section Endorsement(s)   PI06
































                                                      Page 25 of 26]]></page><page Index="58"><![CDATA[PUBLIC SECTOR
                                                                              POLICY SCHEDULE



                               PROFESSIONAL INDEMNITY SECTION


                                              PI06 Additional Activities

            Policy Number                      UC POP 3838790

                                                st
            Effective Date                     1  April 2014

            Named Insured                      London Borough of Enfield and Enfield Homes

            ATTACHING TO AND FORMING PART OF THE ABOVE

            1.      The following is added to General Definition 6. Business

                Business Activities shall include other activities of the Named Insured undertaken on behalf of Third
                Party clients under agreement or contract or for a fee in addition to those described in the Schedule
                other than

                (a)  architectural design
                (b)  work or advice associated with any design and build contracts
                (c)  quantity surveying building surveying or any surveying or valuation work
                (d)  civil engineering mechanical engineering or electrical engineering
                (e)  treasury management
                (f)  procurement
                (g)  medical pharmaceutical or scientific work consultancy or testing
                (h)  legal and financial services
                (i)  any other service separately listed in the Schedule to this Section

            Subject otherwise to the terms conditions and exclusions of the Policy










































                                                      Page 26 of 26]]></page><page Index="59"><![CDATA[Public Sector Policy


        General Terms and Conditions




        POLICY WORDING]]></page><page Index="60"><![CDATA[IMPORTANT NOTICE                                           a)   the person or property that we are being asked to
        Please read this Policy carefully to ensure that it is in      insure,
        accordance with your requirements and that you             b)   any third-party claimant, i.e. someone making a
        understand its terms, exclusions and conditions. Please        claim against our customer,
        contact us immediately if any corrections are necessary.   c)   property — for which repair or replacement costs
                                                                       are being sought under our customer’s insurance
        Any enquiries you may have regarding your Policy may be        policy — belonging to our customer or a third-
        addressed either to the insurance broker who arranged the      party.
        Policy for you or directly to us.
                                                               We will seek different information depending upon the kind
        CLAIMS PROCEDURE                                       of insurance cover we are being asked to provide or the
        If you wish to make a claim, please contact the insurance   kind of claim we are being asked to assess or pay.
        broker who arranged the Insurance or contact us on 01737
        787787 or at the address below, quoting your policy    Some of the information we collect may be classified as
        number. Please also refer to our on-line guidance on how   ‘sensitive personal data’, which is information that may
        to make a claim which can be found at www.travelers.co.uk   contain information about physical or mental health,
                                                               religious beliefs and criminal and disciplinary offences
        COMPLAINTS PROCEDURE                                   (including convictions).
        If you wish to make a complaint please note the following:
                                                               Purpose
        Our Promise To You                                     Personal information or sensitive personal data may be
        •  We will acknowledge complaints promptly             collected and or used in a number of ways including: -
        •  We will investigate quickly and thoroughly
        •  We will keep you informed of progress                   a)   considering an application for insurance,
        •  We will do everything to resolve your complaint fairly   b)   underwriting or binding of an insurance policy,
        •  We will learn from our mistakes and use your feedback   c)   conducting our relationship with policyholders
           to continually improve our service                          and persons associated with such policies,
                                                                       including third party claimants,
        What To Do If You Have A Complaint                         d)   policy administration,
        If you have a complaint, please contact us on 01737        e)   claims administration,
        787787, email us at CustomerRelations@travelers.com or     f)   preventing and detecting fraud, including
        write to us at the address below, quoting your policy          providing information to the relevant authorities.
        number or claim reference if appropriate.
                                                               Third Parties and Jurisdiction
        Travelers Insurance Company Limited                    In the case of policies that have been issued, we may pass
        61 – 63 London Road                                    information to members of the Travelers group, our
        Redhill                                                reinsurers, professional advisers, loss adjusters or agents if
        Surrey                                                 necessary for the performance of the insurance contract or
        RH1 1NA                                                as required by law (including providing the information to
                                                               government or regulatory authorities). This may involve the
        If your complaint cannot be resolved to your satisfaction   transfer of your information to countries which do not have
        and you are an eligible complainant (private individual or   data protection laws equivalent to those in the European
        small business), you may refer the matter to the Financial   Union in which case we shall ensure that the information is
        Ombudsman Service (FOS) at the following address:      appropriately protected. In particular, medical information
                                                               may be processed in the United States of America for the
        Financial Ombudsman Service                            purposes of assessing and processing a claim.
        South Quay Plaza
        183 Marsh Wall                                         If your policy includes motor cover, your policy details will
        London E14 9SR                                         be added to the Motor Insurance Database (MID), run by
        Email: complaint.info@financial-ombudsman.org.uk       the Motor Insurers Information Centre (MIIC). MID data
                                                               may be used by the DVLA and DVLNI for the purpose of
        USING PERSONAL INFORMATION                             Electronic Vehicle Licensing and by the police for the
                                                               purposes of establishing whether a driver’s use of the
        How we treat information about you and your rights under   vehicle is likely to be covered by a motor insurance policy
        the Data Protections Act 1998
                                                               and/or for preventing and detecting crime. If data subjects
                                                               are involved in an accident (in the UK or abroad), other UK
        Travelers Insurance Company Limited may collect certain   insurers, the Motor Insurers’ Bureau and MIIC may search
        personal information about our policyholders, prospective   the MID to ascertain relevant policy information.
        policyholders, any person connected to policies held by our
        policyholders, or connected to prospective policyholders
        (‘Data Subjects’).
                                                               We may also share the information with, and obtain
        Data                                                   information about you and/or your employees or agents
        In order to provide cover under an insurance policy, to   from credit reference agencies and/or fraud prevention
        assess or pay a claim we need to collect and process   agencies.
        personal information about:


                                                            1
        Public Sector General Terms and Conditions Policy Wording                     TRV0125 02/14   Policy Code 2009 05/12]]></page><page Index="61"><![CDATA[Claims Data
        Insurance companies share claims data:

            a.   to ensure that more than one claim cannot be
                 made for the same personal injury or property
                 damage,
            b.   to check that claims information matches what
                 was provided when insurance cover was taken
                 out, and
            c.   when required, to act as a basis for investigating
                 claims when our recorded information is incorrect
                 or when we suspect that insurance fraud is being
                 attempted.

        Persons pursuing a claim in respect of a road traffic
        accident (including citizens of other countries) may also
        obtain relevant information which is held on MID.

        You should provide us with the correct information if you
        are making a claim under your own policy or, if you are a
        third party, a policy held by one of our customers.

        Marketing
        With consent of the data subject, personal data may be
        processed for the purposes of marketing similar goods and
        services. Data subjects will be asked to provide any
        necessary consent at the time their data is collected, but
        are able to subsequently opt out of any marketing at any
        time.

        Please note that the provisions relating to consent, and
        subsequent opt-out, do not apply to corporate entities
        (which includes their employees).

        Right of access and correction
        Data subjects have a right of access to, and correction of,
        information that we hold about them. If they would like to
        exercise either of these rights, they should contact our Data
        Protection Compliance Officer at:

            Travelers Insurance Company Limited
            Exchequer Court
            33 St Mary Axe
            London EC3A 8AG

        By providing personal information you agree that all
        persons to whom the information relates consent to the
        processing and transfer of information described in this
        notice. You also confirm that you have taken all necessary
        steps to inform them of disclosure of information to us for
        the purposes described above.






















                                                            2
        Public Sector General Terms and Conditions Policy Wording                     TRV0125 02/14   Policy Code 2009 05/12]]></page><page Index="62"><![CDATA[Contents






                                                        Page

        THE CONTRACT OF INSURANCE                       4

        GENERAL (TERMS AND CONDITIONS)                  5
        General Definitions                             5
        General Conditions                              10
        General Exclusions                              14



































































                                                            3
        Public Sector General Terms and Conditions Policy Wording                     TRV0125 02/14   Policy Code 2009 05/12]]></page><page Index="63"><![CDATA[The Contract of

        Insurance



        The Named Insured having made to the Company a
        Proposal and declaration which shall be the basis of this
        contract and having paid or agreed to pay the premium to
        the Company the Company will provide the insurance
        indicated in the Policy Sections during the Period of
        Insurance stated in the Master Schedule or during any
        subsequent Period of Insurance for which the Company
        may accept payment subject to the terms conditions and
        exclusions contained herein or endorsed hereon

        The Policy and the Proposal shall be read as one contract
        and unless otherwise stated any word or expression to
        which a particular meaning has been given in the general
        definitions or specific Section definitions in this Policy shall
        bear the same meaning wherever it appears in the Policy or
        specific Section respectively and unless the context
        requires otherwise

        (a)  the singular includes the plural and vice versa
        (b)  the male gender includes the female and neutral
            genders
        (c)  person includes a body corporate





















































                                                            4
        Public Sector General Terms and Conditions Policy Wording                     TRV0125 02/14   Policy Code 2009 05/12]]></page><page Index="64"><![CDATA[General (Terms and                                         (b)  the provision and management by the Named
                                                                       Insured of the following where such organisations
                                                                       and services are ancillary to the main activities of
        Conditions)                                                    the Named Insured

                                                                       (i)   catering sports social welfare and
                                                                            educational organisations

        General Definitions
                                                                       (ii)  health and safety fire first aid medical dental
                                                                            ambulance and security services
        1.   Abuse
            The word ‘Abuse’ shall mean any illegal or offensive       owned by the Named Insured in their respective
            act or omission that results in the maltreatment of a      capacities as such
            person and which may be of (but not limited to) a
            physical sexual verbal psychological or emotional or   (c)  work carried out by the Named Insured on behalf
            financial nature                                           of any other public authority including but not
                                                                       limited to any
        2.   Agent
            The word 'Agent' shall mean any person company firm        (i)   local authority
            or subcontractor directly appointed by the Insured to
            act on their behalf                                        (ii)  government department

        3.   Aggregate Deductible Limit                                (iii)  health police or fire authority
            The words ‘Aggregate Deductible Limit’ shall mean the
            maximum amount stated in the Policy in respect of all      (iv)  water authority
            claims arising under the Policy for which the Named
            Insured shall be responsible in the aggregate during   (d)  the activities of any other association within the
            the Period of Insurance in respect of those amounts        area of control of and acting on behalf of the
            stated as a Deductible applying to any Section where       Named Insured
            stated as subject to the Aggregate Deductible Limit
            and which once exceeded shall thereafter for the       (e)  activities undertaken by any joint venture which
            remainder of the Period of Insurance not be the            the Named Insured is engaged in which has been
            responsibility of the Named Insured                        declared to and accepted by the Company

        4.   Ancillary Equipment                                   (f)   the participation by the Named Insured in
            The words ‘Ancillary Equipment’ shall mean air             exhibitions and corporate events in connection
            conditioning equipment generating equipment voltage        with the business interests of the Named Insured
            regulating equipment temperature and humidity
            recording equipment electronic access equipment    7.   Case Reserve
            heat and smoke detection equipment gas flooding        The words ‘Case Reserve’ shall mean the monetary
            cylinders pipework and computer room partitioning      amount for
            used solely in connection with Computer and
            Telecommunication Equipment                            (a)  circumstances that exist and/or

        5.   Bodily Injury                                         (b)  on the happening of any Event
            The words ‘Bodily Injury’ shall mean
                                                                   which may give rise to a claim that is the difference
            (a)  death injury disease or illness of any person     between the expectation of what is the final cost of the
                                                                   claim (including claim expenses embracing legal
            (b)  (i)   mental injury                               defence costs and expenses and Claim Investigation
                                                                   Expenses associated with every such claim or
                 (ii)  mental anguish                              potential claim) and what has actually been paid

                 (iii)  shock                                  8.   Claim Investigation Expenses
                                                                   The words ‘Claim Investigation Expenses’ shall mean
                 that results in a recognisable psychiatric injury   costs and expenses incurred by the Company or on its
                                                                   behalf to a third party in connection with the
        6.   Business                                              investigation handling and/or control of any claim but
            The word ‘Business’ shall mean any activities of the   for the avoidance of doubt does not relate to claimants
            Named Insured as a public authority and as described   and defence costs and expenses or other prosecution
            in the Master Schedule carried on by the Named         defence costs as indemnified under this Policy
            Insured at or from premises within the Territorial Limits
            and shall  include                                 9.   Company
                                                                   The word ‘Company’ shall mean Travelers Insurance
            (a)  the ownership occupancy  repair maintenance or    Company Limited
                 decoration of the property by the Named Insured


                                                            5
        Public Sector General Terms and Conditions Policy Wording                     TRV0125 02/14   Policy Code 2009 05/12]]></page><page Index="65"><![CDATA[10.  Compensation                                          (b)  Computer and Telecommunication Equipment
            The word ‘Compensation’ shall mean compensatory            and tapes disks CD’s or other magnetic or optical
            damages imposed by law including interest which may        storage devices and Ancillary Equipment that
            be awarded on such damages                                 form part of a computer network owned leased or
                                                                       rented by the Named Insured or for which they
        11.  Computer and Telecommunication Equipment                  are legally responsible used for the purpose of
            The words ‘Computer and Telecommunication                  operating or controlling machinery or equipment
            Equipment’ shall mean a network of machine
            components microprocessors computer chips or other   15.  Computer Virus
            computerised or electronic components or equipment     The words ‘Computer Virus’ shall mean a piece of
            capable of accepting information processing it         code that is designed to corrupt and which has the
            according to a plan and producing the desired results   effect of corrupting (and may destroy alter
            Computer and Telecommunication Equipment               contaminate or degrade the integrity quality or
            includes fixed disks and tape drives printers visual   performance of) data or any computer application
            display unit screens modems personal computers         software computer network or computer operating
            remote terminals interconnection wiring and            system and related software
            telecommunication equipment
                                                               16.  Cybermedia
        12.  Computer Fraud                                        The word ‘Cybermedia’ shall mean the internet usenet
            The words 'Computer Fraud' shall mean the dishonest    any extranet the world wide web any web-site e-mail
            or fraudulent electronic transfer through use of any   or any bulletin board chatroom or newsgroup
            computer system of Money securities or property or
            any other pecuniary advantage or financial benefit to   17.  Deductible
            the deprivation of a Third Party and for the purposes   The word ‘Deductible’ shall mean the amount for
            of this definition                                     which the Named Insured is responsible the
                                                                   application of which is further defined in General
            ‘securities’ means negotiable and non-negotiable       Exclusion 5
            instruments or contracts representing either money or
            other property                                     18.  Denial of Access
                                                                   The words ‘Denial of Access’ shall mean the inability
            ‘property’ means tangible property other than Money    of a Third Party who is authorised to do so by the
            or securities                                          Named Insured

            Money shall include electronic cash equivalents        (i)   to gain access to the Computer or
                                                                       Telecommunication System
            Computer Fraud shall not include Computer Misuse
                                                                   and / or
        13.  Computer Misuse
            The words ‘Computer Misuse’ shall mean deliberate or   (ii)  to be able to use the Computer or
            accidental misuse abuse or contamination or                Telecommunication System to communicate with
            corruption of hardware equipment software programs         other computers or computer networks
            data records or information in relation to any computer
                                                                   through the use of Cybermedia in a manner in which
            Computer Misuse shall include but not be limited to    the Third Party is legally entitled
            the modification destruction or theft of data or
            information entrusted to the Insured by the Insured’s   19.  Employee
            customers or suppliers that is held on the Computer or   The word ‘Employee’ shall mean any person under a
            Telecommunication System                               contract of service or apprenticeship with the Named
                                                                   Insured
            Computer Misuse shall not include Denial of Access
            and Computer Fraud                                     In respect of the Employers’ Liability Section and
                                                                   Public and Products Liability Section the word
        14.  Computer or Telecommunication System                  ‘Employee’ shall include and/or mean
            The words ‘Computer or Telecommunication System’
            shall mean

            (a)  Computer and Telecommunication Equipment
                 and tapes disks CD’s or other magnetic or optical
                 storage devices and Ancillary Equipment that
                 form part of a computer network used for any
                 purpose other than as stated in (b) hereunder
                 owned leased or rented by the Named Insured or
                 for which they are legally responsible





                                                            6
        Public Sector General Terms and Conditions Policy Wording                     TRV0125 02/14   Policy Code 2009 05/12]]></page><page Index="66"><![CDATA[(a)  an director of the Named                              and educational  establishments for educational
                 Insured                                               purposes

            (b)  any labour only sub-contractor                20.  Event
                 or labour master or any person                    The word ‘Event’ shall mean an occurrence or series
                 supplied by them                                  of occurrences consequent on or attributable to one
                                                                   source or original cause giving rise to indemnity under
            (c)  any self-employed person                          this Policy
                 providing labour only
                                                               21.  Governor
            (d)  any person hired to or                            The word ‘Governor’ shall mean any appointed or
                 borrowed by the Named                             elected governor or any person who is a governor by
                 Insured                                           reason of an office held by them from time to time

            (e)  any person under work                         22.  Hacking Event
                 experience or similar schemes                     The words ‘Hacking Event’ shall mean an attack which
                                                                   allows unauthorised access to the Computer or
            (f)   any volunteer worker acting                      Telecommunication System by electronically
                 under the authority of the     whilst             circumventing the security systems and procedures
                 Named Insured
                                                working        23.  Inception Date
            (g)  members of schemes or          directly for       The words ‘Inception Date’ shall mean the date on
                 associations formed to assist in   the Named      which the Policy becomes effective
                 the activities of the Named    Insured in
                 Insured                        connection     24.  Infringement of Intellectual Property Rights
                                                with the
                                                Business           The words ‘Infringement of Intellectual Property
            (h)  any Member or Justice of the                      Rights’ shall mean
                 Peace or Governor during the
                 course of their duties                            (a)  the infringement or violation of any

            (i)   Persons seconded from other                          copyright patent
                 public authorities                                    title slogan trade mark trade name trade dress
                                                                       service mark service name
            (j)   the staff of the magistrates                         registered design
                 courts committee                                      trade secrets
                                                                       moral rights
            (k)  the returning officer and/or                          database rights
                 acting returning officer at                           semiconductor topography rights
                 elections or persons officially                       or other intellectual property rights or laws
                 acting for them during the
                 course of their duties                            (b)  plagiarism or any act of passing off or
                                                                       unauthorised use or appropriation of confidential
            (l)   the local registrar of land                          information or domain name or metatag or
                 charges during the course of                          Uniform Resource Location
                 their duties
                                                               25.  Injury
                                                                   The word ‘Injury’ shall mean
            Additionally in connection with voluntary
            aided/endowed controlled and special agreement         (a)  Bodily Injury
            schools and colleges and similar establishments
            where such entities are included within the title of the   (b)  false arrest wrongful detention or false
            Named Insured the word ‘Employee’ shall mean               imprisonment or malicious prosecution of any
                                                                       person
            (i)   teachers otherwise in the employment of the
                 Named Insured where participating in authorised   (c)  invasion of privacy wrongful entry or eviction or
                 out of school activities not forming part of the      other invasion of the right of private occupancy
                 duties of the said teacher under his/her contract
                 of employment but which at the request of the   26.  Insured
                 Named Insured is deemed to be in connection       The word ‘Insured’ shall mean
                 with the Business
                                                                   (a)  the Named Insured
            (ii)  any Governor manager and trustee of schools
                 colleges and educational establishments within    (b)  in respect of the Employers' Liability Section and
                 the Named Insured's area in respect of liability      Public and Products Liability Section at the
                 arising out of the use of such schools colleges       request of the Named Insured the word ‘Insured’
                                                                       shall also mean


                                                            7
        Public Sector General Terms and Conditions Policy Wording                     TRV0125 02/14   Policy Code 2009 05/12]]></page><page Index="67"><![CDATA[(i)   any Employee of the Named Insured in            (ix)  any parent teacher association or similar
                     respect of liability for which the Named              body associated with schools museums
                     Insured would have been entitled to                   libraries or other establishments associated
                     indemnification under this insurance if the           with the Named Insured
                     claim had been made against the Named
                     Insured                                           (x)  any person to whom the Named Insured has
                                                                           delegated their powers and/or functions
                 (ii)  any officers committees or members of the
                     following where such organisations and            (xi)  any person whilst assisting the Named
                     services are ancillary to the main activities         Insured in an official capacity
                     of the Named Insured
                                                                       (xii)  any foster parent listed in the Named
                     (A)  catering sports social welfare and               Insured's register but only in respect of their
                         educational organisations                         liability for and arising out of

                     (B)  health and safety fire first aid medical         (i)   Bodily Injury sustained by foster
                         dental ambulance and security                          children in the care of such foster
                         services owned by the Named Insured                    parent
                         in their respective capacities as such
                                                                           (ii)  accidental damage to or loss of
                 (iii)  any joint venturers where the Named                     property caused by foster children in
                     Insured is engaged in a joint venture which                the care of such foster parent other
                     has been declared to and accepted by the                   than damage to or loss of property
                     Company                                                    belonging to the foster family or any
                                                                                other person residing with the foster
                 (iv)  any community or parish or town council                  family
                     within the area of control of the Named
                     Insured where such councils undertake         (c)  the legal personal representative of any party
                     activities on behalf of the Named Insured in      referred to in clause 26(b) above of this definition
                     respect of liability for which the Named
                     Insured would have been entitled to           Provided that
                     indemnification under this insurance if the
                     claim had been made against the Named         (A)  each party covered hereunder shall observe fulfil
                     Insured                                           and be subject to the terms and conditions of the
                                                                       Policy insofar as they can apply
                 and for the Public and Products Liability Section
                 only at the request of the Named Insured the      (B)  the Company’s aggregate liability to all bodies
                 word 'Insured' shall also include                     corporate comprising the Named Insured and any
                                                                       other party or parties shall not exceed any of the
                 (v)  any Governor manager and trustee of              specified amounts detailed in the Schedules as
                     schools colleges and educational                  sums insured or limits of indemnity or the amount
                     establishments within the Named Insured's         of any other limit stated in the Policy
                     area in respect of liability arising out of the
                     use of such schools colleges and          27.  Member
                     educational establishments for educational    The word ‘Member’ shall mean
                     purposes (and which shall apply in
                     connection with voluntary aided/endowed       (a)  a councillor or
                     controlled and special agreement schools
                     and colleges and similar establishments       (b)  a directly elected mayor council leader council
                     where such entities are not included within       manager and other members of the executive (or
                     the title of the Named Insured)                   cabinet) or

                 (vi)  any officers or trustees of the Named       (c)  an elected or co-opted member of any committee
                     Insured’s pension scheme(s)                       or sub-committee of the Named Insured

                 (vii)  tenants of accommodation rented from the   28.  Money
                     Named Insured but only in respect of their    The word ‘Money’ shall mean current coin bank and
                     liability arising out of repairs carried out to   currency notes postal and money orders bankers
                     such accommodation by or on behalf of         drafts cheques giro drafts and payment orders
                     each tenant                                   travellers cheques crossed warrants bills of exchange
                                                                   current postage  revenue and national insurance
                 (viii) any householder but only in respect of their   stamps stamped national insurance cards national
                     liability for Bodily Injury sustained by home   savings certificates war bonds premium savings bonds
                     helps supplied to the householder by the      franking machine impressions debit/credit/charge card
                     Named Insured                                 sales vouchers luncheon vouchers trading stamps
                                                                   VAT input documents travel tickets travel warrants


                                                            8
        Public Sector General Terms and Conditions Policy Wording                     TRV0125 02/14   Policy Code 2009 05/12]]></page><page Index="68"><![CDATA[authenticated travel certificates telephone paycards
            and consumer redemption vouchers

            Money shall include electronic cash equivalents for the
            purposes of the Network Security Section

            Money shall include securities for money for the
            purposes of the Property Damage Section and any
            optional extension applicable thereto

        29.  Named Insured
            The words ‘Named Insured’ shall mean anybody
            corporate registered or incorporated within the
            Territorial Limits and described in the Master Schedule
            or their legal personal representative

        30.  Period of Insurance
            The words ‘Period of Insurance’ shall mean the period
            stated in the Master Schedule

        31.  Policy
            The word ‘Policy’ shall mean this policy document
            comprising its general definitions conditions and
            exclusions and the Sections stated as operative in the
            Master Schedule and any Schedule and endorsement
            applicable thereto

        32.  Proposal
            The word ‘Proposal’ shall mean all information
            provided and all statements or declarations made to
            the Company by or on behalf of the Named Insured

        33.  Renewal Date
            The words ‘Renewal Date’ shall mean the first day
            immediately subsequent to the expiry of the Period of
            Insurance

        34.  Schedule
            The word ‘Schedule’ shall mean the Schedule to the
            Policy

        35.  Territorial Limits
            The words ‘Territorial Limits’ shall mean Great Britain
            Northern Ireland the Isle of Man or Channel Islands

        36.  Third Party
            The words ‘Third Party’ shall mean a person firm or
            company other than the Insured

























                                                            9
        Public Sector General Terms and Conditions Policy Wording                     TRV0125 02/14   Policy Code 2009 05/12]]></page><page Index="69"><![CDATA[General Conditions                                         be investigated and includes at least preliminary
                                                                   information as to the nature of the injury or damage
                                                                   sustained or alleged error and as defined in any
                                                                   protocols issued under the Civil Procedure Rules (or
        1.   Condition Precedent                                   any amendments or supervening legislation)
            The due observance of the terms provisions and
            amendments of this Policy by the Insured insofar as    (a)  If circumstances should exist and/or on the
            they relate to anything to be done or complied with by     happening of any Event which in either case may
            the Insured and the truth of the statements and            give rise to a claim under this Policy the Insured
            answers and information supplied on or in connection
            with the Proposal shall be a condition precedent to        shall as soon as possible give notice thereof to
            any liability of the Company to make any payment           the Company in writing
            under this Policy                                        (b)  Subject to the provisions set out in sub paragraph
                                                                       (g) below in respect of third party liability claims
        2.   Misrepresentation and Fraud                               any pre-action Letter of Claim should be
            This insurance shall be voidable                           acknowledged or a preliminary response
                                                                       provided in accordance with and within the time
            (a)  if the Insured has concealed or misrepresented        period fixed for that purpose in the relevant
                 and/or failed to declare any fact or circumstance     protocol issued under the Civil Procedure Rules
                 material to the insurance or its subject matter       providing details of this Policy and a copy of both
                                                                       the pre-action Letter of Claim and the response
            or                                                         shall be forwarded to the Company at the same
                                                                       time
            (b)  if the Insured or anyone acting on the Insured’s
                 behalf has committed fraud attempted fraud or
                 sworn falsely concerning this insurance or its        (For avoidance of doubt in relation to a Letter of
                 subject matter                                        Claim in respect of personal injury this is within
                                                                       twenty-one days of receipt and in relation to a
                                                                       Letter of Claim in respect of defamation this is
            whether before or after loss                               within fourteen days of receipt)

            If the Insured notifies any claim knowing it to be false   Following receipt by the Insured of a pre-action
            or fraudulent as regard amount or otherwise this           Letter of Claim the Insured shall within forty five
            Policy shall become void and all claims hereunder          days provide to the Company copies of all
            shall be forfeited                                         documents records and minutes of meetings
                                                                       necessary to consider the claim fully The Insured
        3.   Alteration
            The Named Insured shall give notice to the Company         shall also give to the Company all such proofs
            as soon as reasonably practicable of any fact or event     and information with respect to any claim as the
            affecting the risks insured by this Policy which is or     Company may require together with (if
            might be material to the Company                           demanded) a statutory declaration of the truth of
                                                                       such claim and of any matters relating thereto

        4.   Assignment                                            (c)  Every writ summons or claim form process
            Assignment of interest under this insurance shall not      impending prosecution notice requiring arbitration
            bind the Company without its written consent               notice of an inquest or fatal accident inquiry in
                                                                       connection with any such circumstance or event
        5.   Reasonable Care                                           aforesaid shall be immediately forwarded to the
            The Insured at its own expense shall                       Company unacknowledged

            (a)  take all reasonable precautions to prevent or     (d)  Other than as prescribed in (b) within thirty days
                 diminish losses or liability arising in connection    (seven days in the case of Damage caused by
                 with the insured risks
                                                                       riot civil commotion strikers locked-out workers
            (b)  comply with all statutory obligations and             persons taking part in labour disturbances or
                 regulations imposed by any authority                  malicious persons if insured by this Policy) of any
                                                                       circumstance or Event aforesaid or such further
                                                                       time as the Company may in writing allow the
        6.   Claims (Duties owed by the Insured)                       Insured shall give full particulars of the
            This condition does not apply to the Officials’            circumstance or event
            Indemnity Section and Professional Indemnity Section
            The Officials’ Indemnity Section and Professional
            Indemnity Section is subject to its own Claims (Duties   (e)  The Insured if required by the Company shall
            owed by the Insured) condition                             attend all proceedings and assist the Company in
                                                                       the giving of evidence and the attendance of
                                                                       witnesses and shall give the Company all
            Special Definition
            The words ‘Letter of Claim’ where used in this             information and assistance and do and concur in
            condition shall mean any request in writing indicating     doing whatever the Company may require in
            an intention to claim against the Insured that specifies   connection with any circumstance event or claim
            sufficient information about the incident to enable it to

                                                            10
        Public Sector General Terms and Conditions Policy Wording                     TRV0125 02/14   Policy Code 2009 05/12]]></page><page Index="70"><![CDATA[(f)   The Insured shall bear their own costs and           may claim to have sustained by reason of the
                 expenses under this Condition save to the extent      Company having acted in such a way
                 that specific cover is provided within any Section
                 of the Policy                                 8.   Subrogation
                                                                   The Company shall be subrogated to all the Insured’s
            (g)  No admission offer promise payment or             rights of recovery against any person or organisation
                 indemnity shall be made or given by or on behalf   before or after any claims payment under this
                 of the Insured without the written consent of the   insurance and the Insured shall provide all relevant
                 Company                                           information and assistance in this regard Any recovery
                                                                   made shall be applied first to the Company’s outlay
        7.   Claims (Company's rights)                             and then to the Insured’s Deductible in priority to any
            This condition does not apply to the Officials’        outstanding uninsured loss of the Insured in the
            Indemnity Section and Professional Indemnity Section   absence of agreement to the contrary
            The Officials’ Indemnity Section and Professional
            Indemnity Section is subject to its own Claims         The Company shall not exercise said rights against
            (Company’s rights) condition                           any Employee of the Insured unless the claim in
                                                                   question has been brought about or contributed to by
            (a)  The Company may                                   the dishonest fraudulent criminal or malicious act error
                                                                   or omission of the Employee
                 (i)   investigate handle and control any claim
                     notified to it at its absolute discretion and   9.   Non-Contribution
                     may settle compromise or make ex-gratia       This condition does not apply to the Network Security
                     payments in respect thereof and generally     Section or Cybermedia Liability Section which has its
                     conduct any proceedings process or actions    own condition
                     related to such claim as it deems
                     appropriate and the costs incurred by the     If at the time any claim arises under this Policy there
                     Company in this undertaking (including        be any other insurance effected by or on behalf of the
                     Claim Investigation Expenses) shall be        Insured covering the same property and/or same
                     subject to any Deductible shown in the        liability and/or same protection the Company shall not
                     relevant Section Schedule under which the     be liable under this Policy except to the extent of any
                     claim is being brought by the Insured         excess beyond the amount payable under such other
                     irrespective of whether an indemnity is       insurance had this Policy not been effected
                     subsequently provided to the Insured in
                     respect of such claim                     10.  Arbitration
                                                                   If any difference shall arise between the Company and
                 (ii)  at its discretion take over and control the   the Insured as to the amount to be paid under this
                     legal representation of the Insured at any    Policy (liability being otherwise admitted) such
                     inquest inquiry or other proceedings in any   difference (provided it does not concern the
                     Court concerning any matter that has or       interpretation of the terms of the Policy) shall be
                     may give rise to a claim hereunder and/or     referred to an arbitrator to be appointed by the parties
                     the defence and settlement of any claim The   in accordance with the Statutory provisions for the
                     Company shall conduct such representation     time being in force Where any difference is by this
                     and defence and settlement of claims as it    Condition to be referred to arbitration the making of an
                     sees fit so to do  In the event that the      award shall be a condition precedent to any right of
                     Company makes any payment the Insured         action against the Company
                     will on demand pay to the Company the
                     amount of the Deductible applicable       11.  Policy Interpretation
                                                                   The parties to this contract are able to choose the law
            (b)  In respect of any applicable specified amounts    applicable to this Policy and they agree that the Policy
                 detailed in the Schedules as limit(s) of indemnity   and any dispute concerning its interpretation or
                 or the amount of any other limit stated in the    application is to be subject to and to be construed in
                 Policy the Company may at any time pay to the     accordance with English law (or Scottish law where
                 Insured the amount specified (less any sum        the Named Insured’s registered address is in
                 already paid and less the amount of any           Scotland)
                 Deductible) or any lesser amount for which any
                 claim or claims can be settled (or where no such   Each party agrees (subject as provided in General
                 limit applies pay the amount for which any claim   Condition 10 above) to submit if required to the
                 or claims can be settled less any sum already     jurisdiction of any Court of competent jurisdiction
                 paid and less the amount of any Deductible) and   within England (or Scotland where the proper law of
                 shall then cease to have the conduct and control   the contract is Scottish) and to comply with all
                 of the negotiations actions or proceedings and be   requirements necessary to give such Court jurisdiction
                 under no further liability in respect of such claim
                 or claims  except for costs and expenses incurred
                 prior to the date of such payment for which the
                 Company is liable hereunder The Company shall
                 not be responsible for any loss which the Insured


                                                            11
        Public Sector General Terms and Conditions Policy Wording                     TRV0125 02/14   Policy Code 2009 05/12]]></page><page Index="71"><![CDATA[12.  Cross Liabilities                                 17.  Jurisdiction
            Where the Named Insured comprises more than one        This condition does not apply to the Cybermedia
            party the Company will indemnify each Named            Liability Section
            Insured to whom this Policy applies in the same
            manner and to the same extent as if a separate Policy   Any indemnity provided by this Policy in respect of
            had been issued to each provided that the total        legal liability to pay Compensation (including claimants
            amount payable shall not exceed the specified amount   costs and expenses) shall operate in accordance with
            detailed in the Schedules or elsewhere in the Policy as   the law of any country but not in respect of any
            the Limit of Indemnity regardless of the number of     judgement award payment or settlement made within
            parties claiming to be indemnified                     countries which operate under the laws of the United
                                                                   States of America or Canada (or to any order made
            Provided that                                          anywhere in the world to enforce such judgement
                                                                   award payment or settlement either in whole or in part)
            (a)  the Company shall not indemnify the Named         unless the Named Insured has requested that there
                 Insured against liability for which an indemnity is   shall be no such limitation and has accepted the terms
                 or would be granted under any Employers           of the North American Jurisdiction extension clause
                 Liability insurance but for the existence of this   which may form part of any Section of this Policy and
                 Policy                                            has agreed to pay any additional premium required by
                                                                   the Company
            (b)  in respect of claims under the Professional
                 Indemnity Section or Official’s Indemnity Section   Provided that the indemnity provided by the
                 (where operative) this condition will only apply   Employers’ Liability Section where operative will not
                 where the claim does not emanate originally from   apply to any action for Compensation brought against
                 the Named Insured                                 the Insured in any court outside the European Union

        13.  Contracts (Rights of Third Parties) Act 1999      18.  Abuse
            A person firm body corporate or entity who is not the   This condition shall apply in respect of the Public and
            Named Insured has no right under the Contracts         Products Liability Section and Professional Indemnity
            (Rights of Third Parties) Act 1999 to enforce any term   Section where insured
            of this Policy but this does not affect any right or
            remedy of a third party which exists or is available   In so far as indemnity is provided under the Public and
            apart from that Act                                    Products Liability Section and Professional Indemnity
                                                                   Section in respect of any legal liability (and or
        14.  Premium Adjustment                                    prosecution defence costs and expenses in so far as
            Where in the Master Schedule any Section of this       indemnity is provided under the Public and Products
            Policy is shown to be subject to a premium adjustment   Liability Section) directly or indirectly resulting from
            the Named Insured shall within one month of the        caused by contributed to attributed to or in any way
            expiry of the Period of Insurance forward to the       related to Abuse it is understood and agreed that
            Company such information as the Company may
            require The Company shall thereupon adjust the         (a)  any of the specified amounts detailed in the
            premium subject to any minimum premium specified           Schedules as limits of indemnity or the amount of
            by the Company                                             any other limit stated in the Policy shall (where
                                                                       not already so stated) be the total amount
        15.  Cancellation                                              payable in the aggregate in respect of all claims
            This insurance or any cover included herein may be         during any one Period of Insurance and which
            cancelled at any time by the Company by giving at          amount shall be inclusive of all claimants’ and
            least thirty days notice by Recorded Delivery letter to    defence costs and expenses to the extent
            the Named Insured at the last known address The            indemnified for (and in respect of the Public and
            Named Insured shall be entitled to the return of a         Products Liability Section prosecution defence
            proportionate part of the premium corresponding to         costs and expenses to the extent indemnified for)
            the unexpired Period of Insurance
                                                                   (b)  where legal liability is not attributable to a single
        16.  Risk Improvements                                         identifiable event that occurs at a single fixed
            Any risk improvements deemed necessary by the              time and place then for the purpose of what
            Company following the Company’s survey or surveys          constitutes one claim in respect of the provision
            of the risk shall be complied with and implemented         of indemnity under this Policy and the application
            within the time specified by the Company                   of the Deductible and inter alia paragraph (a) of
                                                                       General Exclusion 5 all occurrences of Abuse
            The Company reserves the right to review all the           suffered by any individual Third Party claimant
            terms and conditions of the Policy following the survey    committed during the Period of Insurance shall
            or surveys                                                 be considered individually as one claim

                                                                   (c)  For the purposes of this condition the reference
                                                                       to Period of Insurance in paragraphs (a) and (b)
                                                                       above shall include any period prior to the Period
                                                                       of Insurance where the insurance is subject to a


                                                            12
        Public Sector General Terms and Conditions Policy Wording                     TRV0125 02/14   Policy Code 2009 05/12]]></page><page Index="72"><![CDATA[retroactive date provision which relates to a
                 period prior to the Period Of Insurance during
                 which any act or omission giving rise to indemnity
                 under the insurance may have been committed

            (d)  the insurance provided by the Public and
                 Products Liability Section and Professional
                 Indemnity Section shall not indemnify

                 (i)   any medical or dental practitioner
                     whomsoever or

                 (ii)  any other person who is an Insured against
                     any legal liability (and or prosecution
                     defence costs and expenses in so far as
                     indemnity is provided under the Public and
                     Products Liability Section) directly or
                     indirectly resulting from caused by
                     contributed to attributed to or in any way
                     related to Abuse committed by that
                     individual person which is

                     A.   dishonest or criminal or fraudulent or

                     B.   the result of deliberate wrongdoing or
                         recklessness

                 For the avoidance of doubt indemnity shall
                 continue to apply in respect of the Named
                 Insured’s vicarious liability for such acts of
                 another person but not where Abuse arises out of
                 acts or omissions authorised by the Named
                 Insured or at the request of or with the approval
                 of the Named Insured where such authorisation
                 request or approval is dishonest or criminal or
                 fraudulent or results from deliberate wrongdoing
                 or recklessness

            (e)  where indemnity is provided to indemnify the
                 Named Insured for their vicarious liability for the
                 acts of the person or persons committing such
                 Abuse it is hereby noted and agreed for the
                 avoidance of doubt with regard to the application
                 of General Condition 8 that the Company shall
                 exercise said rights against any Employee
                 committing such Abuse which is dishonest or
                 criminal or fraudulent or the result of deliberate
                 wrongdoing or recklessness


























                                                            13
        Public Sector General Terms and Conditions Policy Wording                     TRV0125 02/14   Policy Code 2009 05/12]]></page><page Index="73"><![CDATA[General Exclusions                                                 carried stored or used for commercial
                                                                           agricultural medical scientific or other similar
                                                                           peaceful purposes

        The Company shall not be liable                                (v)  any chemical biological bio-chemical or
                                                                           electromagnetic weapon
        1.   War and Allied Risks; Dispossession of Property;
            Radioactive Contamination                                  but in respect of Bodily Injury sustained by an
            in respect of any loss or destruction of or damage to      Employee this exclusion shall apply only when
            any property whatsoever or any loss or expense
            whatsoever resulting or arising therefrom or any           the Insured under a contract or agreement has
            consequential loss or any legal liability of whatsoever    undertaken either to indemnify another party or to
            nature directly or indirectly caused or occasioned by or   assume the liability of another party in respect of
                                                                       such Bodily Injury
            happening through or in consequence of
                                                                   Note
            (a)  war invasion act of foreign enemy hostilities or   General Exclusions 1(a) and 1(b) shall not apply to the
                 warlike operations (whether war be declared or    extent required to satisfy the Road Traffic Acts
                 not) civil war rebellion revolution insurrection or
                 military or usurped power                     2.   Property Coverages — Civil Commotion in
                                                                   Northern Ireland
                 Notwithstanding this exclusion it is agreed that in   under the
                 respect of the insurance provided under the
                 Employers’ Liability Section where operative      (a)  Property Damage Section
                 indemnity shall continue to satisfy the
                 requirements of the relevant law applicable in    (b)  Business Interruption Section
                 Great Britain Northern  Ireland the Isle of Man the   (c)  Computer All Risks Section
                 Island of Guernsey the Island of Jersey or the    (d)  Contract Works Section

                 Island of Alderney or where so  extended to       where operative or any Optional Extension Clauses or
                 offshore installations in any waters outside the   endorsements attaching thereto in respect of any loss
                 United Kingdom to which the Employers’ Liability   destruction or damage in Northern Ireland directly or
                 (Compulsory Insurance) Act 1969 or any            indirectly caused or occasioned by or happening
                 amending primary legislation applies and in this   through or in consequence of civil commotion
                 regard the amount of the Limit of Indemnity
                 inclusive of all claimants’ and defence costs and   3.   Property Coverages - Terrorism
                 expenses payable under Cover clauses 2 3 4 and    under the
                 5 as stated in the Employers’ Liability Section
                 shall only be for the minimum amount required by
                 such relevant law (and accordingly reduced to     (a)  Property Damage Section
                 such amount where the amount of the Limit of      (b)  Business Interruption Section
                 Indemnity stated in the Employers’ Liability      (c)  Computer All Risks Section
                                                                   (d)  Network Security Section
                 Section is higher)                                (e)  Contract Works Section

            (b)  permanent or temporary dispossession of any       where operative or any Optional Extension Clauses or
                 property resulting from confiscation              endorsements attaching thereto or under any
                 nationalisation commandeering or requisition by   Difference in Conditions or Limits Provision of the
                 any lawfully constituted authority                Policy where  operative for loss destruction or damage
                                                                   or cost or expense of whatsoever nature directly or
            (c)  (i)   ionising radiations from or contamination by   indirectly caused or occasioned by or happening
                     radioactivity from any nuclear fuel or from   through or in consequence of a Terrorist Act or any
                     any nuclear waste or from the combustion of   action taken in controlling preventing suppressing or in
                     nuclear fuel
                                                                   any way relating to a Terrorist Act other than in
                 (ii)   the radioactive toxic explosive or other   respect of loss destruction or damage in England and
                     hazardous properties of any nuclear           Wales and Scotland to the extent provided for in the
                                                                   Terrorism Insurance Section of this Policy where
                     installation reactor or other nuclear         operative
                     assembly or nuclear component thereof
                                                                   In any action suit or other proceedings where the
                 (iii)  any weapon or device employing atomic or   Company alleges that by reason of the term “Terrorist
                     nuclear fission and or fusion or other like   Act” any loss destruction or damage or cost or
                     reaction or radioactive force or matter       expense of whatsoever nature is not covered by this
                                                                   Policy the burden of proving that such loss destruction
                 (iv)  the radioactive toxic explosive or other    or damage or cost or expense is covered shall be
                     hazardous or contaminating properties of      upon the Insured
                     any radioactive matter but the exclusion in
                     this paragraph (iv) shall not extend to
                     radioactive isotopes other than nuclear fuel
                     when such isotopes are being prepared

                                                            14
        Public Sector General Terms and Conditions Policy Wording                     TRV0125 02/14   Policy Code 2009 05/12]]></page><page Index="74"><![CDATA[where operative or any Optional Extension Clauses or
            For the purposes of this exclusion:                    endorsements attaching thereto or under any
                                                                   Difference in Conditions or Limits Provision of the
            (a)  in respect of loss destruction or damage          Policy where operative for legal liability loss damage
                                                                   cost or expense of whatsoever nature directly or
                 (i)   outside England and Wales and Scotland      indirectly caused or occasioned by or arising from a
                                                                   Terrorist Act or any action taken in controlling
                     and/or                                        preventing suppressing or in any way relating to a
                                                                   Terrorist Act except to the extent stated in the Special
                 (ii)  to any property which is insured in the name   Provision — Employers’ Liability Section and Public
                     of a private individual and is occupied by    and Products Liability Section and Motor Fleet Section
                     that individual for residential purposes      below

                 the words “Terrorist Act” shall mean an act or    In any action suit or other proceedings where the
                 acts (whether threatened or actual) of any person   Company alleges that by reason of the term “Terrorist
                 or persons involving the causing or occasioning   Act” any legal liability loss damage cost or expense of
                 or threatening of harm of whatever nature and by   whatsoever nature is not covered by this Policy the
                 whatever means made or claimed to be made in      burden of proving that such legal liability loss damage
                 whole or in part for political, religious, ideological   cost or expense is covered shall be upon the Insured
                 or similar purposes
                                                                   For the purposes of this exclusion:
            (b)  in respect of loss destruction or damage in       The words “Terrorist Act” shall mean an act or acts
                 England and Wales and Scotland other than loss    (whether threatened or actual) of any person or
                 destruction or damage as described in (a) (ii)    persons involving the causing or occasioning or
                 above the words “Terrorist Act” shall mean acts   threatening of harm of whatever nature and by
                 of persons acting on behalf of or in connection   whatever means made or claimed to be made in
                 with any organisation which carries out activities   whole or in part for political, religious, ideological or
                 directed towards the overthrowing or influencing   similar purposes
                 by force or violence of Her Majesty’s government
                 in the United Kingdom or any other government     The words ‘Difference in Conditions or Limits
                 de jure or de facto                               Provision’ shall mean any provision contained within
                                                                   the Policy which provides that should any policy
            (c)  the words ‘Difference in Conditions or Limits     issued to indemnify any subsidiary company of the
                 Provision’ shall mean any provision contained     Named Insured which operates from premises outside
                 within the Policy which provides that should any   Great Britain Northern Ireland the Channel Islands or
                 policy issued to indemnify any subsidiary         the Isle of Man (hereinafter called the “Locally Issued
                 company of the Named Insured which operates       Policy”) by virtue of its scope of cover or definitions or
                 from premises outside Great Britain Northern      conditions not indemnify the Insured in whole or in part
                 Ireland the Channel Islands or the Isle of Man    in respect of legal liability loss damage cost or
                 (hereinafter called the “Locally Issued Policy”) by   expense as insured under the Policy then the Policy
                 virtue of its scope of cover or definitions or    subject to its terms and conditions shall provide
                 conditions not indemnify the Insured in whole or   indemnity to the extent that such indemnity is not
                 in part in respect of loss destruction or damage   provided by the relevant Locally Issued Policy but
                 as  insured under the Policy at such premises     which would have been provided had the Locally
                 then the Policy subject to its terms and conditions   Issued Policy followed the terms and conditions of this
                 shall provide indemnity to the extent that such   Policy
                 indemnity is not provided by the relevant Locally
                 Issued Policy but which would have been           Special Provision — Employers’ Liability Section
                 provided had the Locally Issued Policy followed   and Public and Products Liability Section and
                 the terms and conditions of this Policy           Motor Fleet Section

            In the event that any part of this exclusion is found to   Subject otherwise to the terms conditions and
            be invalid or unenforceable the remainder shall remain   exclusions of the Policy the terrorism exclusion stated
            in full force and effect                               above shall not apply and indemnity shall continue to
                                                                   operate to the extent provided for as follows
        4.   Liability Coverages - Terrorism
            under the                                              1.   the insurance provided under the Employers’
                                                                       Liability Section where operative shall continue to
            (a)  Employers’ Liability Section                          satisfy the requirements of the relevant law
            (b)  Public and Products Liability Section                 applicable in Great Britain Northern Ireland the
            (c)  Professional Indemnity Section                        Isle of Man the Island of Guernsey the Island of
            (d)  Officials’ Indemnity Section                          Jersey or the Island of Alderney or where so
            (e)  Motor Fleet Section                                   extended to offshore installations in any waters
            (f)   Cybermedia Liability Section                         outside the United Kingdom to which the
                                                                       Employers’ Liability (Compulsory Insurance) Act
                                                                       1969 or any amending primary legislation applies


                                                            15
        Public Sector General Terms and Conditions Policy Wording                     TRV0125 02/14   Policy Code 2009 05/12]]></page><page Index="75"><![CDATA[Schedules as limits of indemnity or the amount of
                 However in this regard the amount of the Limit of     any other limit stated in the Policy and the
                 Indemnity inclusive of all claimants’ and defence     amount of the Deductible shall form part of such
                 costs and expenses payable under Cover                limit of indemnity and the limit of indemnity shall
                 clauses 2 3 4 and 5 as stated in the Employers’       not apply in excess of the amounts stated as a
                 Liability Section shall continue to be for the        Deductible)
                 amount stated in the Section Schedule and shall
                 not be reduced to the minimum amount required     (b)  in respect of the Property Damage Section and
                 by such relevant law                                  Business Interruption Section and Computer All
                                                                       Risks Section and Contract Works Section where
            2.   the insurance provided under the Motor Fleet          operative
                 Section where operative shall continue to satisfy
                 the requirements of the relevant law applicable in    (i)   loss or damage arising from one Event
                 Great Britain Northern Ireland the Isle of Man the        which affects one or more Premises or
                 Island of Guernsey the Island of Jersey or the            Business Premises (as defined in the above
                 Island of Alderney in respect of the Insured’s            referenced Sections)
                 legal liability for
                                                                       (ii)  loss or damage to insured property arising
                 (a)  Bodily Injury to any person                          during any one period of 72 consecutive
                                                                           hours and caused by storm tempest flooding
                 (b)  damage to property up to £1,000,000 in               or escape of water from tanks apparatus or
                     respect of any one Event                              pipes

                 In the event that any part of this exclusion is       shall be deemed a single Event and be treated as
                 found to be invalid or unenforceable the              one claim
                 remainder shall remain in full force and effect
                                                                   (c)  for the avoidance of doubt where claims arise
            3.   the insurance provided under the Public and           under one or more Sections of this Policy from a
                 Products Liability Section shall continue to          single Event each claim under each Section of
                 operate in respect of legal liability for accidental   this Policy will be subject to the Deductible stated
                 Injury or Damage occurring within Great Britain       in the Schedule in respect of that Section (other
                 Northern Ireland the Isle of Man the Island of        than as stated in paragraph (d) that follows)
                 Guernsey the Island of Jersey or the Island of
                 Alderney arising out of a Terrorist Act           (d)  in respect of the Property Damage Section and
                                                                       Computer All Risks Section (where operative)
        5.   Deductible                                                where an Event gives rise to indemnity under
            in respect of the amounts stated as a Deductible for       both the aforementioned Sections and in respect
            the first part of each and every claim hereunder under     of which a Deductible applies to the claim under
            one or more Sections of this Policy in respect of an       each Section then in these circumstances only
            Event as ascertained after the application of the terms    one Deductible shall be applied and which shall
            conditions and provisions of this Policy including any     be the highest individual amount in those
            condition of average and which shall apply to Claim        circumstances where these amounts vary
            Investigation Expenses incurred in investigating such
            claim(s) irrespective of whether an indemnity is   6.   Cyber Risk — Third Party
            subsequently provided to the Insured                   in so far as indemnity would otherwise be provided
                                                                   under the
            For the purpose of the application of the Deductible it
            is agreed that                                         (a)  Public and Products Liability Section
                                                                   (b)  Professional Indemnity Section
            (a)  in respect of the Employers’ Liability Section and   (c)  Officials’ Indemnity Section
                 Public and Products Liability Section  and
                 Officials’ Indemnity Section and Professional     where operative or any Optional Extension Clauses or
                 Indemnity Section and Cybermedia Liability        endorsements attaching thereto in respect of all sums
                 Section where operative all claims under each     which the Insured shall become legally liable to pay as
                 respective Section attributable to                Compensation and claimants’ and defence costs and
                                                                   expenses for and arising out of
                 (i)   the same act or omission
                                                                   A.  Defamation and Intellectual Property Rights
                 (ii)  a series of acts or omissions consequent
                     upon or attributable to the same original         (i)   Defamation or malicious falsehood including
                     cause or source                                       libel slander injurious falsehood trade libel
                                                                           slander of title slander of goods or
                 will be regarded as one claim under each                  disparagement of goods
                 respective Section (for the avoidance of doubt for
                 which the Company’s liability shall not exceed        (ii)  Infringement of Intellectual Property Rights
                 any of the specified amounts detailed in the


                                                            16
        Public Sector General Terms and Conditions Policy Wording                     TRV0125 02/14   Policy Code 2009 05/12]]></page><page Index="76"><![CDATA[which is committed or occasioned through the   7.   Punitive and other non compensatory Damages
                 use of Cybermedia                                 in respect of

            B.  Personal Rights                                    (a)  exemplary damages

                 (i)   Infringement of any right to privacy (other   (b)  punitive damages
                     than in relation to Data Protection) including
                     privacy in photographs and films or rights    (c)  aggravated damages
                     under the European Convention on Human
                     Rights                                        (d)  liquidated damages or damages by way of
                                                                       penalty or fine
                 (ii)  Breach of confidence or unauthorised
                     disclosure                                    (e)  damages resulting from the multiplication of
                                                                       compensatory damages or any payment similar
                 (iii)  Unfair treatment that is based on a person’s   in nature to any of (a) (b) (c) or (d) above
                     age ethnic background marital status
                     nationality physical or mental disability race   8.   Liability Coverages - Asbestos
                     colour religion sex or sexual orientation     in so far as indemnity would otherwise be provided
                                                                   under the
                 which is committed or occasioned through the
                 use of Cybermedia                                 (a)  Public and Products Liability Section
                                                                   (b)  Professional Indemnity Section
            C.  Computer Virus                                     (c)  Officials’ Indemnity Section
                 Transmission of any Computer Virus through the
                 use of Cybermedia but this exclusion shall not    where operative or any Optional Extension Clauses or
                 apply to Bodily Injury or physical damage to      endorsements attaching thereto in respect of legal
                 tangible property including any resulting loss of   liability inclusive of claimants’ and defence costs and
                 use of that property other than                   expenses directly or indirectly resulting from caused
                                                                   by contributed to attributed to or in any way related to
                 (i)   physical damage to hardware and ancillary
                     equipment and                                 (a)  the actual alleged or threatened absorption
                                                                       ingestion or inhalation of asbestos in any form by
                 (ii)  for the avoidance of doubt loss destruction     any person
                     of corruption of or damage to software
                     programs data or information                  or

                 in relation to any computer                       (b)  the existence of asbestos in any form

            D.  Data Protection
                 Contravention of the requirements of the Data
                 Protection Act 1998 which is committed or
                 occasioned through the use of Cybermedia

            E.   Computer Fraud and Computer Misuse
                 Computer Fraud or Computer Misuse committed
                 or occasioned through the use of Cybermedia but
                 in respect of Computer Misuse this exclusion
                 shall not apply to Bodily Injury or physical
                 damage to tangible property including any
                 resulting loss of use of that property other than

                 (i)   physical damage to hardware and ancillary
                     equipment and

                 (ii)  for the avoidance of doubt loss destruction
                     of corruption of or damage to software
                     programs data or information

                 in relation to any computer

            F.   Denial of Access

                 (i)   Denial of Access





                                                            17
        Public Sector General Terms and Conditions Policy Wording                     TRV0125 02/14   Policy Code 2009 05/12]]></page><page Index="77"><![CDATA[Travelers Insurance Company Limited
        61-63 London Road, Redhill, Surrey RH1 1NA

        Travelers Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential
        Regulation Authority.
        Registered office: Exchequer Court, 33 St. Mary Axe, London EC3A 8AG. Registered in England 1034343

        travelers.co.uk
        TRV0125 02/14                                                                         Policy Code 2009 05/12]]></page><page Index="78"><![CDATA[Public Sector Policy


        Casualty Programme




        POLICY WORDING]]></page><page Index="79"><![CDATA[Contents





                                                    Page

        GENERAL TERMS – CASUALTY SECTIONS           2
        Definitions                                 2
        Conditions                                  3

        EMPLOYERS’ LIABILITY SECTION                5
        Definitions                                 5
        Cover                                       6
        Limit of Indemnity                          8
        Condition                                   9
        Exclusions                                  10
        Endorsement                                 11

        PUBLIC AND PRODUCTS LIABILITY
        SECTION                                     12
        Definition                                  12
        Cover                                       13
        Limit of Indemnity                          17
        Exclusions                                  18
        Endorsements                                20

        OFFICIALS’ INDEMNITY SECTION                22
        Definitions                                 22
        Cover                                       23
        Condition                                   26
        Limit of Indemnity                          27
        Exclusions                                  28

        PROFESSIONAL INDEMNITY SECTION              30
        Definitions                                 30
        Operative Clauses                           31
        Additional Cover                            32
        Limit of Indemnity                          33
        Exclusions                                  34
        Endorsements                                36


































                                                            1
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="80"><![CDATA[General Terms -                                            (c)  in respect of insurance provided under Operative
                                                                       Clause 2(a) of the Professional Indemnity Section
                                                                       all Damage arising from any one Event
        Casualty                                               3.     Damage


        Sections                                                   This definition applies to the Public and Products
                                                                   Liability Section and Officials’ Indemnity Section This
                                                                   definition shall not apply to the Professional Indemnity
                                                                   Section which has its own definition
        (which in addition to the General Definitions and General
        Conditions apply to the Sections of the Policy as stated   The word 'Damage' shall mean
        below)
                                                                   (a)  physical loss of or damage to tangible property
        Definitions                                                    including attendant loss of use of such property

                                                                   (b)  nuisance trespass or interference with any
        1.   Circumstances                                             easement right of air light water or way
            This definition applies to the Officials’ Indemnity
            Section and Professional Indemnity Section         4.   Financial Loss
                                                                   The words 'Financial Loss' shall mean financial loss
            The word 'Circumstance' shall mean any one or more     unaccompanied by either
            of the following
                                                                   (a)  Injury
            (a)  an intimation of a Claim or of an intention to claim
                 against the Insured                                   or

            (b)  any known direct or indirect criticism or dispute   (b)   Damage
                 whether expressed or implied (whether justified
                 or not) relating to the performance of the Insured
                 or its Agent which is likely to give rise to third
                 party loss or Damage

            (c)  any awareness of the Insured of failing or doubt
                 of the efficacy of its own performance or the
                 performance of its Agent where such failing or
                 inefficacy is likely to give rise to third party loss or
                 Damage

            (d)  any awareness of the Insured that materials
                 goods services or action specified designed or
                 recommended by the Insured or its Agent have
                 failed to meet the standard required and which is
                 likely to result in third party loss or Damage

            which if the subject of a Claim (regardless of the
            Deductible) would fall for indemnity under this Section

        2.   Claim
            This definition applies to the Officials’ Indemnity
            Section and Professional Indemnity Section

            The word ‘Claim’ shall mean a demand for or an
            assertion of right to Compensation attributable to

            (a)  the same act error or omission

                 or

            (b)  a series of acts errors or omissions consequent
                 upon or attributable to the same original cause or
                 source

            and





                                                            2
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="81"><![CDATA[Conditions                                                          3.   A description of what damages may
                                                                                result

        1.   Claims (Duties owed by the Insured)                           4.   The identity of the person or
            This condition applies to the Officials’ Indemnity                  organisation that may make a Claim
            Section and Professional Indemnity Section                          including in any court or other legal
                                                                                proceedings
            Special definition
            The words ‘Letter of Claim’ where used in this                 5.   The identity of the Insured that
            condition shall include any request in writing indicating           committed the negligent act negligent
            an intention to claim against the Insured that specifies            error or negligent omission
            sufficient information about the incident to enable it to        6.   The identity of any witnesses
            be investigated and includes at least preliminary

            information as to the nature of the injury or damage   (b)  Any pre-action Letter of Claim should be
            sustained or alleged error and as defined in any           acknowledged or a preliminary response
            protocols issued under the Civil Procedure Rules (or       provided in accordance with and within the time
            any amendments or supervening legislation)                 period fixed for that purpose in the relevant
                                                                       protocol issued under the Civil Procedure Rules
            (a)  (i)    If during the Period of Insurance the Insured   providing details of this Policy and a copy of both
                     shall receive a Claim the Insured shall as        the pre-action Letter of Claim and the response
                     soon as possible give notice thereof to the       shall be forwarded to the Company at the same
                     Company
                                                                       time
                 (ii)   If a Circumstance should exist or arise
                     which the Insured becomes aware of during         (For avoidance of doubt in relation to a Letter of
                     the Period of Insurance in respect of an act      Claim in respect of personal injury this is within
                                                                       twenty-one days of receipt and in relation to a
                     error or omission committed or occasioned         Letter of Claim in respect of defamation this is
                     or alleged to have been committed or              within fourteen days of receipt)
                     occasioned prior to the expiry of the Period
                     of Insurance and after the Retroactive Date       Following receipt by the Insured of a pre-action
                     stated in the Schedule the Insured shall as       Letter of Claim the Insured shall within forty five
                     soon as possible after awareness give             days provide to the Company copies of all
                     notice thereof to the Company in writing          documents records and minutes of meetings
                                                                       necessary to consider the claim fully The Insured
                     1.   during the Period of Insurance or            shall also give to the Company all such proofs

                     2.   within thirty days after the end of the      and information with respect to any claim as the
                         Period of Insurance                           Company may require together with (if
                                                                       demanded) a statutory declaration of the truth of
                                                                       such claim and of any matters relating thereto
                     and the Company will consider any Claim
                     arising from such Circumstance to have        (c)  Every writ summons or claim form process
                     been made and reported in the Period of           impending prosecution notice requiring arbitration
                     Insurance                                         notice of an inquest or fatal accident inquiry in
                                                                       connection with any such Circumstance or Claim
                     The Insured shall promptly and fully inform       aforesaid shall be immediately forwarded to the
                     the Company of all developments of which it       Company unacknowledged
                     becomes aware concerning such
                     Circumstance                                  (d)  Other than as prescribed  in (a) and (b) within
                                                                       thirty days of any Circumstance or event
                 (iii)   If the Company shall cancel the Section or
                     Policy the Insured may give notice of any         aforesaid or such further time as the Company
                     Claim or Circumstance within a further thirty     may in writing allow the Insured shall give full
                     days following expiry of the cancellation         particulars of the Circumstance or Claim
                     notice in which case such notice shall be     (e)  The Insured if required by the Company shall
                     deemed to have been given during the              attend all proceedings and alternative dispute
                     Period of Insurance                               resolution meetings and assist the Company in
                                                                       the giving of evidence and the attendance of
                 (iv)  When notifying the Company of a Claim or        witnesses and shall give the Company all
                     Circumstance the Insured shall provide the        information and assistance including technical
                     following details                                 assistance and do and concur in doing whatever
                                                                       the Company may require in connection with any
                     1.   A description of the date time and           Circumstance or Claim
                         place of the negligent act negligent
                         error or negligent omission
                                                                   (f)   The Insured shall bear their own costs and
                     2.   A description of what happened               expenses incurred in complying with this

                                                            3
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="82"><![CDATA[Condition unless specific indemnity is provided   (b)  Any statement or information or fact relating to
                 within the Section                                    the Claim or Circumstance given to such legal
                                                                       representation by the Insured shall be deemed to
            (g)  The Insured shall not incur any liability for costs   have been also made direct to the Company
                 or expenses in connection with any Claim or
                 Circumstance to any other party or person         (c)  The Company may at any time pay to the Insured
                 without the written consent of the Company nor        the amount of the Limit of Indemnity (less any
                 make any admission offer promise payment              sum already paid or expended during the Period
                 indemnity negotiation towards settlement or           of Insurance and less the amount of any
                 anything which could be construed as such in          Deductible) or any lesser amount for which any
                 respect of any Claim or Circumstance save that        Claim can be settled and shall then cease to
                 the Company shall not object to the Insured           have the conduct and control of the Claim or
                 carrying out or arranging to carry out remedial       proceedings and be under no further liability in
                 work at its own expense which is intended to          respect of such Claim as from such date The
                 avoid a Claim or Circumstance arising                 Company shall not be responsible for any loss
                                                                       which the Insured may claim to have sustained
            (h)  The Insured shall take all reasonable steps to        by reason of the Company having so acted  For
                 prevent further loss                                  the purposes of this sub-clause “any lesser
                                                                       amount” may include an undertaking by the
        2.   Claims (Company's rights)                                 Company to pay any costs and interest awarded
            This condition applies to the Officials’ Indemnity         against an Insured when ascertained by a Court
            Section and Professional Indemnity Section                 or Arbitrator

            (a)  The Company may

                 (i)   investigate handle and control any Claim or
                     Circumstance notified to it at its absolute
                     discretion and may settle compromise or
                     make ex-gratia payments in respect thereof
                     and generally conduct any proceedings
                     process or actions related to such Claim or
                     Circumstance as it  deems appropriate and
                     the costs incurred by the Company in this
                     undertaking (including Claim Investigation
                     Expenses) shall be subject to any
                     Deductible shown in the Section Schedule
                     irrespective of whether an indemnity is
                     subsequently provided to the Insured in
                     respect of such Claim or Circumstance

                 (ii)  at its discretion take over and control the
                     legal representation of the Insured at any
                     inquest inquiry or other proceedings in any
                     Court concerning any matter that has or
                     may give rise to a Claim hereunder and/or
                     the defence and settlement of any Claim
                     The Company shall conduct such
                     representation and defence and settlement
                     of Claims as it sees fit so to do In the event
                     that the Company makes any payment the
                     Insured will on demand pay to the Company
                     the amount of the Deductible applicable

                     In the event of a dispute between the
                     Insured and the Company  as to whether
                     the Insured shall be required to contest any
                     legal proceedings then the Company shall
                     only require the Insured to contest the same
                     if a counsel mutually agreed between the
                     Insured and the Company ( or in the event
                     of disagreement appointed by the President
                     of the Bar Council ) shall advise that there
                     are reasonable prospects of successfully
                     defending the Claim or limiting the exposure
                     of the Insured to legal liability by so doing



                                                            4
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="83"><![CDATA[Employers’ Liability

        Section



        Definition


        In this Section the following term shall have the following
        meaning

        1.   Offshore Work
            The words ‘Offshore Work’ shall mean visits or work
            undertaken by an Employee from the time the
            Employee embarks into a conveyance whether
            airborne or waterborne for transport to an offshore
            installation or associated structure until such time as
            the Employee disembarks from the conveyance onto
            land upon his return from such installation or
            associated structure

            The words ‘Offshore Installation’ and ‘Associated
            Structure’ shall have the same meanings as they are
            interpreted in the Mineral Workings (Offshore
            Installations) Act 1971 and the Offshore Installations
            (Application of the Employers’ Liability (Compulsory
            Insurance) Act 1969) Regulations 1975




















































                                                            5
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="84"><![CDATA[Cover                                                      Ireland) Order 1978 or any similar UK health and
                                                                   safety legislation and regulations committed or alleged
                                                                   to have been committed during the Period of
                                                                   Insurance in the course of the Business
        1.   Bodily Injury
            The Company will indemnify the Insured subject to the   Provided that
            Limit of Indemnity stated in the Schedule against legal
            liability to pay Compensation for Bodily Injury        (a)  in relation to any appeal counsel has advised
            sustained by any Employee arising out of and in the        there are strong prospects of such appeal
            course of employment by the Named Insured in
            connection with the Business and caused during the         succeeding
            Period of Insurance within
                                                                   (b)  the proceedings relate to the health safety or
                                                                       welfare of any Employee
            (a)  Great Britain Northern Ireland the Isle of Man or
                 the Channel Islands and offshore installations in     (c)  the indemnity will not apply to
                 territorial waters around Great Britain and its
                 continental shelf                                     (i)   proceedings consequent upon any
                                                                           deliberate act or omission
            (b)  elsewhere in the world where any Employee
                 normally resident in the territories stated in (a)    (ii)  fines or penalties of any kind
                 above is temporarily working in connection with
                 the Business                                          (iii)  the bringing of any appeal solely against the
                                                                           amount of any fine or penalty
        2.   Claimants' Costs and Expenses
            The Company will indemnify the Insured subject to the
            Limit of Indemnity stated in the Schedule against legal    (iv)  any circumstances where indemnity is
            liability for claimants' costs and expenses in                 provided by any other insurance or where
                                                                           but for the existence of this clause 4 of the
            connection with the indemnity provided under clause 1          Cover indemnity would have been provided
            of the Cover                                                   by such other insurance

        3.   Defence Costs and Expenses                        5.   Corporate Manslaughter And Corporate Homicide
            The Company will indemnify the Insured subject to the   Act 2007 Defence Costs
            Limit of Indemnity stated in the Schedule in respect of   The Company will indemnify the Named Insured in
            all                                                    respect of all costs of legal representation incurred
                                                                   with the Company's written consent for
            (a)  costs of legal representation reasonably incurred
                 with the Company's written consent at any
                                                                   1.   the defence of any criminal proceedings or
                 (i)   coroner's inquest or other inquiry in respect
                     of any death                                  2.   in an appeal against conviction arising from such
                                                                       proceedings

                 (ii)  proceedings in any court (other than in the   brought against the Named Insured for an offence of
                     defence of any criminal proceedings brought   corporate manslaughter or corporate homicide arising
                     or in an appeal against conviction arising    under the Corporate Manslaughter and Corporate
                     from such proceedings) in respect of any act   Homicide Act 2007 (or any subsequent amending
                     or omission causing or relating to any        legislation thereof) committed or alleged to have been
                     occurrence                                    committed during the Period of Insurance in the
                                                                   course of the Business
            (b)  other costs and expenses reasonably incurred
                 with the Company's written consent in relation to   Provided that
                 any matter

            which may be the subject of indemnity under clause 1   (a)  in relation to any appeal counsel has advised
            of the Cover                                               there are strong prospects of such appeal
                                                                       succeeding

        4.   Health and Safety at Work Act Prosecution             (b)  the proceedings relate to the death of any
            Defence Costs                                              Employee
            The Company will indemnify the Named Insured and
            at the request of the Named Insured any Employee of    (c)  the indemnity will not apply to
            the Named Insured subject to the Limit of Indemnity as
            stated in the Schedule in respect of legal costs and       (i)   proceedings consequent upon death
            other expenses reasonably incurred with the                    resulting from any deliberate act or omission
            Company's written consent in the defence of any                but this exclusion shall not apply where
            criminal proceedings brought or in an appeal against
            conviction arising from such proceedings in respect of         death is caused by the way in which the
            a breach of the Health and Safety at Work etc Act              Business is managed or organised by the
            1974 or the Health and Safety at Work (Northern                Named Insured and amounts to a gross

                                                            6
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="85"><![CDATA[breach of a relevant duty of care owed by
                     the Named Insured to the deceased             (ii)  the Company’s aggregate liability to all parties
                                                                       comprising the Insured and the said principal
                 (ii)  fines or penalties of any kind                  shall not exceed the Limit of Indemnity

                 (iii)  any circumstances where indemnity for   8.   Private Duties
                     defence costs is available from any other     The definition of ‘Business’ extends to include the
                     source or is provided by any other insurance   execution of private duties undertaken with the
                     or where but for the existence of this clause   consent of the Named Insured by any Employee for
                     5 of the Cover indemnity would have been      any director or other senior official of the Named
                     provided by such other source or insurance    Insured

            (d)  the financial limit of the Company's liability under   9.   Unsatisfied Court Judgements
                 this clause 5 of the Cover shall not exceed in the   Where a judgement for damages has been obtained
                 aggregate in respect of all acts or omissions     by any Employee or the legal personal representatives
                 committed or alleged to have been committed       of any Employee in respect of Bodily Injury sustained
                 during the Period of Insurance the amount stated   by the Employee and caused during the Period of
                 in the Section Schedule as the Limit of Indemnity   Insurance arising out of and in the course of
                 and for the avoidance of doubt this financial limit   employment by the Insured in connection with the
                 amount under this clause 5 of the Cover shall     Business against any company or person operating
                 form part of and not be in addition to the Limit of   from or resident in premises within Great Britain
                 Indemnity                                         Northern Ireland the Isle of Man or the Channel
                                                                   Islands in any court situate in the said territories and
            (e)  for the avoidance of doubt where there is a       such judgement remains unsatisfied in whole or in part
                 Deductible stated in the Section Schedule (or any   6 months after the date of judgement then at the
                 claim reimbursement amount instead of a           request of the Insured the Company will pay to the
                 Deductible otherwise agreed) it shall apply in    Employee or the said legal personal representatives
                 respect of this clause 5 of the Cover and the     subject to the Limit of Indemnity stated in the
                 amount of the Deductible or such claim            Schedule the amount of any such damages and
                 reimbursement amount shall form part of the       awarded costs that remain unsatisfied
                 specified amount detailed in (d) above as the
                 Company’s limit of liability and such limit shall not   Provided that
                 apply in excess of the amount stated as the
                 Deductible or claim reimbursement amount          (a)  there is no appeal outstanding

        6.   Compensation for Court Attendance                     (b)  if any payment is made by the Company the
            Where at the request of the Company or their               Employee or the said legal personal
            representatives any of the undermentioned persons          representatives shall assign the judgement to the
            attend a court or tribunal or other forum as a witness     Company
            in connection with a claim in respect of which the
            Insured is entitled to indemnity under this Section the   (c)  all reasonable steps necessary to protect the
            Company will at their discretion provide compensation      ability to recover from the party against whom the
            to the Insured at the following rates per day for each     judgement was obtained have been taken
            day or part thereof on which attendance is required

            (a)  any Member or Governor or director
                 of the Named Insured              £500.00

            (b) any other Employee                 £200.00

        7.   Indemnity to Principal
            If the Insured so requests the Company will indemnify
            any principal for whom the Insured is carrying out work
            under contract or agreement against liability arising
            out of the performance of such work by the Insured
            and in respect of which the Insured would have been
            entitled to indemnity under this Section if the claim had
            been made against the Insured but only to the extent
            required by the terms and conditions of such contract
            or agreement

            Provided that

            (i)   said principal shall observe fulfil and be subject to
                 the terms and conditions of this Section in so far
                 as they can apply


                                                            7
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="86"><![CDATA[Limit of Indemnity


        The Limit of Indemnity is stated in the Section Schedule
        and applies to the Compensation payable in respect of any
        one occurrence or all occurrences of a series consequent
        on or attributable to one source or original cause and is
        inclusive of all claimants’ and defence costs and expenses
        payable under Cover clauses 2 3 4 and 5














































































                                                            8
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="87"><![CDATA[Condition


        Claims (Right of Recovery)
        The indemnity provided by this Section is deemed to be in
        accordance with the provisions of any law relating to
        compulsory insurance of liability to employees in Great
        Britain Northern Ireland the Isle of Man and the Channel
        Islands but the Insured shall repay to the Company all
        sums paid by the Company which they would not have
        been liable to pay but for the provision of such law











































































                                                            9
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="88"><![CDATA[Exclusions


        The Company shall not be liable to indemnify the Insured in
        respect of

        1.   any amount payable under workmen’s compensation
            social security or health insurance legislation save for
            any compensation recovery unit payments that may
            be required by the Social Security Acts 1989 and 1990

        2.   any claim arising directly or indirectly out of Offshore
            Work

        3.   any liability for which compulsory motor insurance or
            security is required under the Road Traffic Act 1988 as
            amended by the Motor Vehicles (Compulsory
            Insurance) Regulations 1992 and the Road Traffic
            (Northern Ireland) Order 1981 as amended  by the
            Motor Vehicles (Compulsory Insurance) Regulations
            (Northern Ireland) 1993 or any other compulsory Road
            Traffic Act legislation




























































                                                            10
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="89"><![CDATA[Endorsement


        The following endorsement is only operative if shown on
        the Employers’ Liability Section Schedule and is subject
        otherwise to the terms conditions and exclusions of the
        Section and the Policy

        EL01.    Offshore Extension
                 It is hereby agreed that Section Exclusion 2 is
                 deemed to be deleted and in respect of liability
                 arising directly or indirectly out of Offshore Work
                 it is agreed that the Limit of Indemnity is
                 restricted to £5,000,000 any one occurrence or
                 all occurrences of a series consequent on or
                 attributable to one source or original cause and is
                 inclusive of all claimants’ and defence costs and
                 expenses


































































                                                            11
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="90"><![CDATA[Public and Products

        Liability Section



        Definition


        In this Section the following term shall have the following
        meanings

        1.   Products
            The word 'Products' shall mean anything tangible
            (including containers packaging or labels)
            manufactured sold supplied hired out repaired
            serviced altered upgraded installed erected processed
            tested treated stored or transported by or on behalf of
            the Insured in connection with the Business after they
            have ceased to be in the custody or control of the
            Insured






























































                                                            12
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="91"><![CDATA[Cover
                                                                   Provided that

        1.   Legal Liability                                       (a)  in relation to any appeal counsel has advised
            The Company will indemnify the Insured subject to the      there are strong prospects of such appeal
            Limits of Indemnity in respect of all sums which the       succeeding
            Insured shall become legally liable to pay as
            Compensation for and arising out of accidental Injury   (b)  the proceedings do not relate to the health safety
            or Damage occurring during the Period of Insurance
            and arising in connection with the Business                or welfare of any Employee

        2.   Claimants' Costs and Expenses                         (c)  the indemnity will not apply to
            The Company will in addition indemnify the Insured
            against legal liability for claimants' costs and expenses   (i)   proceedings consequent upon any
                                                                           deliberate act or omission
            in connection with the indemnity provided under
            clause 1 of the Cover                                      (ii)  fines or penalties of any kind

        3.   Defence Costs and Expenses
            The Company will in addition indemnify the Insured in      (iii)  the bringing of any appeal solely against the
            respect of all                                                 amount of any fine or penalty

            (a)  costs of legal representation reasonably incurred     (iv)  any circumstances where indemnity is
                 with the Company's written consent at any
                                                                           provided by any other insurance or where
                 (i)   coroner's inquest or other inquiry in respect       but for the existence of this clause 4 of the
                     of any death                                          Cover indemnity would have been provided
                                                                           by such other insurance

                 (ii)  proceedings in any court (other than in the   5.   Corporate Manslaughter And Corporate Homicide
                     defence of any criminal proceedings brought   Act 2007 Defence Costs
                     or in an appeal against conviction arising    The Company will indemnify the Named Insured in
                     from such proceedings) in respect of any act   respect of all costs of legal representation incurred
                     or omission causing or relating to any        with the Company's written consent for
                     occurrence
                                                                   1.   the defence of any criminal proceedings or
            (b)  other costs and expenses reasonably incurred
                 with the Company's written consent in relation to
                 any matter                                        2.   in an appeal against conviction arising from such
                                                                       proceedings
            which may be the subject of indemnity under clause 1      brought against the Named Insured for an offence of
            of the Cover                                           corporate manslaughter or corporate homicide arising
                                                                   under the Corporate Manslaughter and Corporate
        4.   Consumer Protection Act or Health and Safety at       Homicide Act 2007 (or any subsequent amending
            Work Act or Food Safety Act Prosecution Defence
            Costs                                                  legislation thereof) committed or alleged to have been
            The Company will indemnify the Named Insured and       committed during the Period of Insurance in the
            at the request of the Named Insured any Employee of    course of the Business
            the Named Insured in respect of legal costs and other
            expenses reasonably incurred with the Company's        Provided that
            written consent in the defence of any criminal
            proceedings brought or in an appeal against
            conviction arising from such proceedings in respect of   (a)  in relation to any appeal counsel has advised
            a breach of                                                there are strong prospects of such appeal
                                                                       succeeding
            (a)  the Consumer Protection Act 1987 or any           (b)  the proceedings relate to the death of any person
                 amending legislation or                               other than an Employee

            (b)  the Health and Safety at Work etc Act 1974 or     (c)  the indemnity will not apply to
                 the Health and Safety at Work (Northern Ireland)
                 Order 1978 or any similar United Kingdom health       (i)   proceedings consequent upon death
                 and safety legislation and regulations or                 resulting from any deliberate act or omission
                                                                           but this exclusion shall not apply where
            (c)  the Food Safety Act 1990 or any amending                  death is caused by the way in which the
                 legislation
                                                                           Business is managed or organised by the
            committed or alleged to have been committed during             Named Insured and amounts to a gross
            the Period of Insurance in the course of the Business

                                                            13
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="92"><![CDATA[breach of a relevant duty of care owed by         (ii)  the cost of replacing reinstating rectifying
                     the Named Insured to the deceased                     erasing blocking or destroying any data

                 (ii)  fines or penalties of any kind                  (iii)  liability caused by or arising from a
                                                                           deliberate or intentional act by or omission
                 (iii)  any circumstances where indemnity for              of the Named Insured or any person eligible
                     defence costs is available from any other             for indemnity by this extension the effect of
                     source or is provided by any other insurance          which will knowingly result in liability under
                     or where but for the existence of this clause         the Data Protection Act 1998
                     5 of the Cover indemnity would have been
                     provided by such other source or insurance        (iv)  claims which arise out of circumstances
                                                                           notified to previous insurers or are known to
            (d)  the financial limit of the Company's liability under      the Insured and likely to give rise to
                 this clause 5 of the Cover shall not exceed in the        indemnity under this extension at the start of
                 aggregate in respect of all acts or omissions             the Period of Insurance
                 committed or alleged to have been committed
                 during the Period of Insurance the amount stated      (v)  liability for which indemnity is provided
                 in the Section Schedule as the Limit of Indemnity         under any other insurance
                 and this financial limit amount under this clause 5
                 of the Cover shall                                (d)  in respect of each and every claim or claims
                                                                       arising from an Event under this extension the
                 (i)   form part of and not be in addition to the      Named Insured shall be liable for 10% of the cost
                     Limit of Indemnity and                            of such claim or claims or £500 which ever is the
                                                                       greater
                 (ii)  be inclusive of all amounts paid under
                     clauses 2 3 and 4 of the Cover                (e)  the Company’s liability under this extension is
                                                                       limited to £500,000 in respect of all Events during
            (e)  for the avoidance of doubt where there is a           any one Period of Insurance
                 Deductible stated in the Section Schedule it shall
                 apply in respect of this clause 5 of the Cover and   7.   Motor Contingent Liability
                 the amount of the Deductible shall form part of   Notwithstanding Section Exclusion 5 the Company will
                 the specified amount detailed in (d) above as the   indemnify the Named Insured and no other for the
                 Company’s limit of liability and such limit shall not   purposes of this clause against legal liability arising
                 apply in excess of the amount stated as the       from or caused by any motor vehicle not the property
                 Deductible                                        of nor provided by the Named Insured and being used
                                                                   in connection with the Business
        6.   Data Protection Act 1998
            The Company will indemnify the Named Insured and if    Provided that the Company will not provide indemnity
            the Named Insured so requests any Employee of the      in respect of liability
            Named Insured in respect of their liability to pay
            Compensation for damage or distress under section      (a)  for loss of or damage to such vehicle or property
            13 of the Data Protection Act 1998 including               carried
            reasonable defence costs and expenses incurred with
            the written consent of the Company and in addition the   (b)  more specifically insured under any other
            reasonable defence costs incurred with the written         insurance or which would be so insured but for
            consent of the Company relating to a prosecution           the existence of this clause
            brought under the Data Protection Act 1998 in relation
            to a claim made by any person                          (c)  arising or caused whilst such vehicle is being

            Provided that                                              (i)   driven by the Named Insured

            (a)  any claim for Compensation is first made or           (ii)  driven with the general consent of the
                 prosecution first brought against the Named               Named Insured or his representative by any
                 Insured during the Period of Insurance                    person who to the knowledge of the Named
                                                                           Insured or such representative does not
            (b)  the Named Insured is registered in accordance             hold a licence to drive such vehicle unless
                 with the terms of the Act or has applied for such         such person has held and is not disqualified
                 registration which has not been refused or                from holding or obtaining such a licence
                 withdrawn and has taken all reasonable care to
                 comply with the requirements of the Data              (iii)  used elsewhere than in Great Britain
                 Protection Act 1998                                       Northern Ireland the Isle of Man or the
                                                                           Channel Islands
            (c)  no indemnity is granted in respect of
                                                               8.   Compensation for Court Attendance
                 (i)   the payment of fines or penalties           Where at the request of the Company or their
                                                                   representatives any of the undermentioned persons


                                                            14
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="93"><![CDATA[attend a court or tribunal or other forum as a witness     (ii)  where indemnity is provided by any other
            in connection with a claim in respect of which the             insurance or where but for the existence of
            Insured is entitled to indemnity under this Section the        this Policy indemnity would have been
            Company will at their discretion provide compensation          provided by such other insurance
            to the Insured at the following rates per day for each
            day or part thereof on which attendance is required   12.  Servicing of Motor Vehicles
                                                                   The indemnity provided by this Section is extended to
            (i)   any Member or Governor or director               indemnify the Insured subject to the Limit of Indemnity
                 of the Named Insured              £500.00         stated in the Schedule against liability arising from or
                                                                   caused by the Servicing of Vehicles and for the
            (ii)  any other Employee               £200.00         purposes of this endorsement Section Exclusion 1(b)
                                                                   and 1(d) shall not apply
        9.   Indemnity to Principal
            If the Named Insured so requests the Company will      Provided that
            indemnify any principal for whom the Insured is
            carrying out work under contract or agreement against   (a)  The indemnity provided by this cover clause does
            liability arising out of the performance of such work by   not apply to liability for Damage to property
            the Insured and in respect of which the Insured would      belonging to or held in trust or in the custody or
            have been entitled to indemnity under this Section if      control of by or on behalf of the Named Insured
            the claim had been made against the Insured but only       other than to any Vehicle directly arising from or
            to the extent required by the terms and conditions of      caused by Servicing
            such contract or agreement
                                                                   (b)  notwithstanding Section Exclusion 7(a) for the
            Provided that                                              avoidance of doubt the indemnity provided by this
                                                                       cover clause does not apply to liability for any
            (i)   said principal shall observe fulfil and be subject to   costs and expenses incurred in the repairing of
                 the terms and conditions of this Section in so far    inspection of alteration of correction of or
                 as they can apply                                     replacement to any part or component of the
                                                                       Vehicle arising out of defective materials
            (ii)  the Company’s aggregate liability to all parties     servicing or workmanship which is the subject of
                 comprising the Insured and the said principal         the Servicing
                 shall not exceed the Limit of Indemnity
                                                                       For the purposes of this cover clause the terms
        10.  Private Duties
            The definition of ‘Business’ extends to include the        ‘Servicing’ shall mean repair testing servicing
            execution of private duties undertaken with the            alteration maintenance or inspection of any
            consent of the Named Insured by any Employee for           Vehicle
            any director or other senior official of the Named
            Insured                                                    'Vehicle' shall mean any mechanically propelled
                                                                       vehicle trailer caravan or agricultural implement
        11.  Overseas Personal Liability                               including its accessories and spare parts whilst
            The Company will indemnify the Named Insured and if        on or temporarily detached therefrom
            the Named Insured so requests any director of the
            Named Insured or Employee (including their families   13.  Premises Owned By Named Insured - Indemnity to
            whilst accompanying them) against legal liability      Hirer for Damage
            incurred in a personal capacity whilst engaged in visits   If the Named Insured so requests the Company will
            in connection with the Business outside the Territorial   indemnify individuals and organisations (excluding
            Limits                                                 political parties or professional entertainers) in respect
                                                                   of Damage to the Named Insured's property arising
            Provided that                                          from the hire of premises owned by the Named
                                                                   Insured and for which the individual and organisation
            (a)  each party covered hereunder shall observe fulfil   are held legally responsible under the terms of the
                 and be subject to the terms and conditions of the   Named Insured's hiring agreement and for the
                 Policy insofar as they can apply                  purposes of this cover clause exclusion 1(a) shall not
                                                                   apply in respect of such Damage
            (b)  the Company’s aggregate liability to all bodies
                 corporate or entities comprising the Named        Provided that
                 Insured and any other party or parties shall not
                 exceed the Limit of Indemnity                     (a)  each party covered hereunder shall observe fulfil
                                                                       and be subject to the terms and conditions of the
            (c)  the Company will not provide indemnity                Policy insofar as they can apply

                 (i)   in respect of legal liability caused by or   (b)  the Company's aggregate liability to all parties
                     arising out of the ownership or occupation of     indemnified under this clause 13 of the Cover in
                     land or buildings                                 respect of all claims arising from an Event shall
                                                                       not exceed £1,000,000


                                                            15
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="94"><![CDATA[(ii)  in respect of the costs incurred in removing
            (c)  liability would have attached to the individual or        rebuilding repairing rectifying or replacing
                 organisation in the absence of the Named                  any such premises or part of such premises
                 Insured's hiring agreement

            (d)  the Deductible shall not apply but the Company
                 shall not be liable for the first £500 in respect of
                 all claims arising from an Event and for the
                 avoidance of doubt such amounts shall not count
                 to any section or policy aggregate deductible

        14.  Personal Liability of Students
            The Company will indemnify any student or pupil (in
            full or part time education) against legal liability
            incurred in a personal capacity whilst on trips
            anywhere within and outside the Territorial Limits
            organised by the Named Insured or whilst participating
            in a recognised activity of any club or society
            organised by the Named Insured

            Provided that

            (a)  each party covered hereunder shall observe fulfil
                 and be subject to the terms and conditions of the
                 Policy insofar as they can apply

            (b)  the Company’s aggregate liability to all parties
                 comprising the Insured and all parties insured
                 under this clause 14 of the Cover shall not
                 exceed the Limit of Indemnity regardless of the
                 number of parties claiming to be indemnified

            (c)  the Company will not provide indemnity

                 (i)   in respect of legal liability caused by or
                     arising out of the ownership or occupation of
                     land or buildings

                 (ii)  where indemnity is provided by any other
                     insurance or where but for the existence of
                     this Policy indemnity would have been
                     provided by such other insurance

        15.  Defective Premises Act
            The Company will indemnify the Insured against legal
            liability incurred by virtue of the Defective Premises
            Act 1972 or the Defective Premises (Northern Ireland)
            Order 1975 in connection with any premises
            previously owned for purposes pertaining to the
            Business which were disposed of by the Insured prior
            to the occurrence of the Injury or Damage giving rise
            to liability

            Provided that

            (a)  the Injury or Damage giving rise to such legal
                 liability occurs during the Period of Insurance

            (b)  the Company will not provide indemnity

                 (i)   where indemnity is provided by any other
                     insurance or where but for the existence of
                     this Policy indemnity would have been
                     provided by such other insurance




                                                            16
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="95"><![CDATA[Limit of Indemnity


        The Limit of Indemnity is stated in the Schedule and applies
        to Compensation payable in respect of any one occurrence
        or all occurrences of a series consequent on or attributable
        to one source or original cause and shall be inclusive of all
        defence costs and expenses payable under clause 5 of the
        Cover In respect of liability arising from Products the Limit
        of Indemnity shall be the total amount payable during any
        one Period of Insurance in respect of all claims

        Provided that

        (a)  where the Limit of Indemnity is less than the total
            amount of the Insured’s liability (the total liability
            excluding any costs and expenses) then the costs and
            expenses payable under Cover Clauses 2 and 3 shall
            be limited to the proportion that the Limit of Indemnity
            bears to the total amount of such liability

        (b)  the Deductible in respect of damages and claimants’
            costs and expenses will be payable before the
            Company shall be liable to make a payment


























































                                                            17
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="96"><![CDATA[Exclusions                                             4.   liability arising from the ownership possession or use
                                                                   by or on behalf of the Insured of any vessel or craft
                                                                   (other than non powered water craft) made or
                                                                   intended to float on or in or travel through water or air
        The Company shall not be liable to indemnify the Insured in   or space but this Exclusion shall not apply to any
        respect of                                                 waterborne vessel or craft not exceeding 30 feet in
                                                                   length other than power boats used for racing
        1.   the cost of making good Damage to property
                                                                   This exclusion shall not apply in respect of the use of
            (a)  belonging to the Insured or
                                                                   vessels not belonging to the Insured and used for the
            (b)  being that part of any property worked upon by    purpose of conveyance of personnel or equipment in
                 the Insured and arising out of such work or       an emergency
                                                               5.   liability arising from or caused by the ownership
            (c)  being any Product (other than any Product         possession or use by or on behalf of the Insured of
                 supplied under a separate contract) or            any mechanically propelled vehicle or plant used in
                                                                   circumstances where the Insured is or but for the fact
            (d)  in the Insured's care custody or control          that it is a public authority would be required to insure
                                                                   except
            except that exclusion 1(d) will not apply to
                                                                   (a)  any vehicle or plant
                 (i)   the personal effects (including vehicles and
                     their contents) of any visitor or Employee of     (i)   not requiring a licence for road use or a
                     the Named Insured                                     certificate of motor insurance or other
                                                                           security or
                 (ii)  premises (including their fixtures fittings and
                     contents) not owned by or leased rented or        (ii)  being used as a tool of trade at any
                     hired to the Named Insured which are                  premises of the Insured or on the site of any
                     temporarily occupied by the Insured for the           contract where the Insured is working
                     purposes of carrying out work therein or
                     thereon or (where the Named Insured are a     (b)  the loading or unloading or the bringing to or
                     fire authority) which are temporarily             taking away of a load from any mechanically
                     occupied by the fire authority for training       propelled vehicle or plant
                     purposes
                                                                   Provided that the Company will not grant indemnity
                 (iii)  premises (including their fixtures and
                     fittings) leased rented or hired to the Named   (i)   in respect of liability which is compulsorily
                     Insured provided that the Company will not        insurable under any road traffic legislation or but
                     provide indemnity in respect of                   for the fact that the Insured is a public authority
                                                                       would be required to insure
                     (i)   liability assumed by the Named Insured
                         under a tenancy or other agreement        (ii)  if indemnity is provided by any other insurance
                         unless liability would have attached in
                         the absence of such agreement         6.   liability arising out of or for the cost of removing
                                                                   nullifying or clearing up any actual or alleged Pollution
                     (ii)  the first £1000 of each and every       or Contamination
                         occurrence of loss or damage caused
                         to any such premises fixtures or fittings   (a)  within the United States of America its territories
                         other than by fire or explosion               and possessions Puerto Rico and Canada or

                     (iii)  the disposal of property which has     (b)  elsewhere in the world unless caused by a
                         been the subject of illegal distraint         sudden identifiable unintended and unexpected
                                                                       incident which takes place in its entirety at a
        2.   liability assumed by the Insured under contract or        specific time and place during the Period of
            agreement to any person firm or company who is a           Insurance
            third party within the meaning of the Contracts ( Rights
            of Third Parties ) Act 1999 unless the Company has     Provided that
            signified its approval to the form of such contract or
            agreement or such liability would have attached        (i)   notwithstanding General Condition 17 or any
            notwithstanding such contract or agreement                 amendment thereto the Company shall not grant
                                                                       indemnity in respect of any claim brought in the
        3.   liability arising from Products attaching by virtue of an   courts of the United States of America its
            agreement but which would not have attached in the         territories and possessions Puerto Rico and
            absence of such agreement unless the Company shall         Canada or in respect of the enforcement of a
            have signified its general approval to the form of such    judgement obtained in any such courts
            contract or agreement by endorsement hereon


                                                            18
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="97"><![CDATA[(ii)  all Pollution or Contamination which arises out of   information or command or instruction as a result
                 one incident shall be deemed to have occurred at      of treating any date otherwise than as its true
                 the time such incident takes place                    calendar date

            (iii)  the liability of the Company for all Compensation   (c)  to capture save retain or correctly process any
                 payable in respect of all Pollution or                data as a result of the operation of any command
                 Contamination which has occurred or is deemed         which has been programmed into any computer
                 to have occurred during the Period of Insurance       software being a command which causes the
                 shall not exceed the Limit of Indemnity in the        loss of data or the inability to capture to save
                 aggregate                                             retain or correctly to process such data on or
                                                                       after such date
            For the purpose of this Exclusion ‘Pollution or
            Contamination’ shall mean                          13.  liability for Bodily Injury arising from an act or omission
                                                                   in the provision of or failure to provide Health Care but
            A.   all pollution or contamination of buildings or other   this shall not apply (in so far as indemnity is otherwise
                 structures or water or land or the atmosphere     provided) in respect of legal liability directly or
                                                                   indirectly resulting from caused by contributed to
            and                                                    attributed to or in any way related to Abuse

            B.   all Damage or Injury directly or indirectly caused   For the purpose of this exclusion the words
                 by such pollution or contamination
                                                                   (a)  ‘Health Care’ shall mean health care (but not
        7.   liability for costs and expenses for                      First Aid) rendered by members of the health
                                                                       care and allied services or by others consequent
            (a)  the repair inspection alteration correction or        on decisions or judgements made by such
                 replacement of defective materials service or         members
                 workmanship or
                                                                       Such members shall include but not be limited to
            (b)  the withdrawal recall inspection alteration
                 correction or making of any refund in respect of      (i)   medical and dental practitioners
                 Products                                              (ii)  nurses
                                                                       (iii)  midwives
        8.   (a)   liability arising out of Products comprising or     (iv)  pharmacists
                 incorporated in or on any aircraft spacecraft or      (v)  professions allied to medicine
                 military or naval missile                             (vi)  care assistants and nursing auxiliaries
                                                                       (vii)  ambulance personnel
            (b)   liability arising out of Products comprising or      (viii) laboratory technicians
                 incorporated in ground support or control             (ix)  social workers
                 equipment used for the purpose of guidance
                 navigation or direction of any aircraft spacecraft   (b)  ‘First Aid’ shall mean emergency care (other than
                 or military or naval missile                          pre planned emergency treatment for specific
                                                                       individuals) given immediately to an injured or
        9.   liability in respect of loss of information or the        sick person by an Employee in the course of
            provision of wrong information in or from computer         carrying out their duties when undertaking the
            programmes tapes or data recording equipment               Named Insured’s Business
            unless as a direct consequence of physical loss of or
            damage to tangible property                        14.  liability arising out of flying operations and activities
                                                                   incidental thereto in respect of any airport owned or
        10.  liability in respect of Bodily Injury sustained by an   operated by the Insured
            Employee and arising out of and in the course of his
            employment by the Insured                          15.  liability arising out of any work away from premises
                                                                   owned or leased or rented by the Named Insured
        11.  liability for Financial Loss                          involving the use of grinding wheels cutting discs
                                                                   angle grinders electric oxy-acetylene or other welding
        12.  legal liability of any nature directly or indirectly caused   or cutting equipment blow torches blow lamps or flame
            by or contributed to by or arising from the failure of   guns or hot air guns heated tar bitumen or asphalt or
            any computer or other equipment or system for          any other process involving the application of heat
            processing storing or retrieving data whether the      other than this exclusion shall not apply to the use of
            property of the Insured or not and whether occurring   electric soldering irons
            before during or after the year 2000
                                                               16.  any liability cost or expense arising out of the Riot
            (a)  correctly to recognise any date as its true       Damages Act 1886
                 calendar date
                                                               17.  liability under the Data Protection Act 1998 or similar
            (b)  to capture save or retain and/or correctly to     legislation outside the United Kingdom other than as
                 manipulate interpret or process any data or       provided for in clause 6 of the Cover


                                                            19
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="98"><![CDATA[Endorsements                                                        danger of ignition directly or through
                                                                            conducted heat

                                                                       (e)  all combustible materials or inflammable
        The following endorsements are only operative if shown on           liquid or gases in the vicinity of the work
        the Public and Products Liability Section Schedule and are          other than gas or fuel connected to the
        subject otherwise to the terms conditions and exclusions of         Equipment shall be removed to a point at
        the Section and the Policy                                          least eight metres from the area where the
                                                                            Equipment is being used
        PL02.    Heat Work Away Conditions
                 Definitions applicable to this endorsement: The
                 word ‘Equipment’ shall mean                                Any combustible material or inflammable
                                                                            liquid or gases which can not be reasonably
                                                                            moved shall be covered and fully protected
                 (a)  grinding wheels cutting discs angle grinders
                     electric oxy-acetylene or other welding or             by overlapping sheets/screens of non
                                                                            combustible material
                     cutting equipment blow torches blow lamps
                     or flame guns or hot air guns in each case             Where the nature of materials or liquids or
                     howsoever powered or driven                            gases can not be properly verified by a
                                                                            suitably qualified person as non combustible
                 and or                                                     or non inflammable they must be assumed
                                                                            as combustible or inflammable and all
                 (b)  gas powered soldering irons                           stated precautions be carried out in full

                 including all gas or fuel containers and hose
                 connections                                           (f)   Equipment and Bitumen Heaters are
                                                                            examined prior to use and any defects
                 The words ‘Bitumen Heaters’ shall mean vessels             found are repaired or replaced prior to use
                 for the heating of tar bitumen or bituminous          (g)  Equipment and Bitumen Heaters are
                 compounds                                                  attended at all times whilst in operation and
                                                                            only used in accordance with the
                 Section Exclusion 15 shall not apply but the               manufacturers instructions and by a worker
                 Company shall not be liable to indemnify the               who is trained and experienced in its use
                 Insured in respect of liability arising from or
                 caused by the use of Equipment or Bitumen             (h)  whilst heating is taking place Bitumen
                 Heaters away from premises owned by or leased              Heaters are kept in the open or if within a
                 or rented to the Named Insured unless the                  building or on a roof then placed on a
                 following precautions are taken at all times
                                                                            surface of non combustible material
                 (a)  a responsible worker is appointed to
                     facilitate compliance with all requirements of    (i)   the area where the Equipment has been
                                                                            used including on the other side of any floor
                     these conditions                                       wall ceiling or partition and within and on the
                                                                            other side of any tank pipe drum or
                 (b)  prior permission from the occupier/owner of           apparatus is to be examined immediately
                     the site has been granted to use the                   following use of the Equipment and then at
                     Equipment or Bitumen Heaters and suitable              regular intervals for at least one hour to
                     and adequate fire extinguishing appliances             ensure that there is no risk of fire
                     are provided at the point of use
                                                               PL05.    Libel And Slander
                     Suitable and adequate fire extinguishing
                     appliances shall as a minimum mean a nine         Definition
                     litre water or a two kilogram multi purpose
                     fire extinguisher                                 In this endorsement the following term shall have
                                                                       the following meaning
                 (c)  all workers are aware of the location of fire      1.   Claim
                     alarms and fire fighting equipment provided            The word ‘Claim’ shall mean a demand for
                     on site which shall be ready for operation at          or an assertion of right to Compensation
                     the time the Equipment or Bitumen Heaters
                     are in use                                        2.   The word 'Publication' shall mean any notice
                                                                            agenda minutes or reports of meetings of
                 (d)  the item being worked on and the area                 the Insured and correspondence or
                     where the Equipment is to be used including            publications relating to the Named Insured's
                     on the other side of any ceiling floor wall or         activities whether recorded in printed page
                     partition and within and on the other side of          electronic data or other permanent media
                     any tank pipe drum or apparatus are
                     checked to ensure that no combustible
                     material or inflammable liquid or gas is in       Injury is hereby extended under this Section to
                                                                       include

                                                            20
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="99"><![CDATA[with respect to any judgement award payment or
                 (a)  libels appearing in any Publication normal to    settlement made within countries which operate
                     the conduct of the Named Insured’s                under the laws of the United States of America or
                     Business accidentally committed or                Canada (or to any order made anywhere in the
                     occasioned by the Insured in good faith           world to enforce such judgement award payment
                                                                       or settlement either in whole or in part) the
                 (b)  slanders in oral utterances accidentally         following additional conditions shall apply
                     committed or occasioned by any Employee
                     in good faith in the course of and in             (a)  the Limit of Indemnity stated in the Schedule
                     pursuance of the Business                             is inclusive of claimants’ and defence costs
                                                                           and expenses
                 (c)  notwithstanding General Exclusion 6.
                     Cyber Risk – Third Party which shall not          (b)  the Company will not be liable for the
                     apply to this paragraph (c) libels accidentally       Deductible stated in the Schedule
                     committed or occasioned by the Insured in
                     good faith appearing in any Publication
                     comprising documents agendas minutes or
                     reports of meetings that have been vetted
                     and formally approved for publication by the
                     Named Insured on their official website
                     maintained by them

                 but only in respect of any Claim which is both first
                 made against the Insured and notified to the
                 Company during the Period of Insurance or
                 notified to the Company within thirty days after
                 the end of the Period of Insurance and provided
                 that

                 (i)   the date of the Publication or utterance on
                     which the Claim is based occurred during
                     the Period of Insurance

                 (ii)  the liability of the Company in respect of all
                     Claims (including claimants’ and defence
                     costs and expenses as indemnified for
                     under clause 2 and 3 of the Cover) in any
                     one Period of Insurance shall not exceed in
                     the aggregate £1,000,000 and for the
                     avoidance of doubt as regards all
                     Compensation costs and legal expenses
                     incurred or awarded in connection with any
                     one Publication or utterance whether or not
                     all claims in respect thereof shall be made
                     during the same Period of Insurance

                 (iii)  this extension shall not apply to libels or
                     slanders made to or by one Employee or
                     former Employee of the Named Insured
                     against another or to libels or slanders
                     committed or occasioned by the Insured in
                     connection with any obligation owed by the
                     Named Insured as employer to any
                     Employee or former Employee or made by
                     any member of a joint venture to any other
                     member thereof

                 (iv)  General Condition 12 — Cross Liabilities
                     shall not apply to this extension

        PL06.    North American Jurisdiction
                 General Condition 17 shall not apply and any
                 indemnity provided by this Section in respect of
                 legal liability to pay Compensation (including
                 claimants’ costs and expenses) shall operate in
                 accordance with the law of any country however


                                                            21
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="100"><![CDATA[Officials’ Indemnity                                       (d)  misfeasance in a public office

                                                                   (e)  breach of trust
        Section                                                      (f)   breach of warranty of authority



        Definitions                                            3.   Insured
                                                                   At the request of the Named Insured the word
                                                                   ‘Insured’ shall in addition to paragraph (a) of General
                                                                   Definition 27 for the purposes of this Section also
        In this Section the following terms shall have the following   mean
        meaning
                                                                   (a)  any Employee of the Named Insured in respect of
        1.   Employee                                                  liability for which the Named Insured would have
            The word 'Employee' shall in addition to General           been entitled to indemnification under this
            Definition 19 for the purposes of this Section include     insurance if the Claim had been made against
            and/or also mean                                           the Named Insured and shall include


                                                                       (i)   any former Employee in respect of Claims
            (a)  any Member                                                which arise out of the exercise and conduct
            (b)  any Governor                                              of the Business during the period whilst the
            (c)  members of                                                Employee is or was employed by the
                 schemes or                                                Named Insured
                 associations formed
                 to assist in the                                      (ii)  any former Employee of the Named Insured
                 activities of the                                         who has continued as a self-employed
                 Named Insured                                             consultant contracted by the Named Insured
            (d)  any Justice of the                                        and/or any such consultant who is no longer
                 Peace                                                     associated with the Named Insured in
            (e)  persons seconded                                          respect of Claims which arise out of the
                 from other public                                         exercise and conduct of the Business during
                 authorities                                               the period whilst the consultant is or was
            (f)   the staff of the      whilst working                     engaged by the Named Insured on a
                 magistrates courts     directly for the                   consultancy basis
                 committee              Named Insured
            (g)  any volunteer worker                              (b)  any joint venturers where the Named Insured is
                 acting under the       in connection                  engaged in a joint venture which has been
                 authority of the       with the                       declared to and accepted by the Company
                 Named Insured          Business
            (h)  the returning officer                             (c)  any community or parish or town council within
                 and/or acting                                         the area of control of the Named Insured where
                 returning officer at                                  such councils undertake activities on behalf of
                 elections or persons                                  the Named Insured in respect of liability for which
                 officially acting for                                 the Named Insured would have been entitled to
                 them during the                                       indemnification under this insurance if the Claim
                 course of their duties                                had been made against the Named Insured
            (i)   the local registrar of
                 land charges during
                 the course of their                               and the legal personal representative of any party
                 duties                                            referred to in this definition
            (j)   any director of the
                 Named Insured                                     Provided that

                                                                   (i)   each party covered hereunder shall observe fulfil
        2.   Error                                                     and be subject to the terms and conditions of the
            The word 'Error' shall mean any (actual or alleged)        Policy insofar as they can apply

            (a)  negligent act or omission or accidental error     (ii)  the Company’s aggregate liability to all bodies
                                                                       corporate comprising the Named Insured and any
            (b)  breach of statutory duty which shall for the          other party or parties shall not exceed the Limit of
                 avoidance of doubt include any breach of              Indemnity or the amount of any other limit stated
                 statutory duty without need to prove carelessness     in the Policy

            (c)  breach of a common law duty of care arising from
                 the imposition of a statutory duty or from its
                 performance


                                                            22
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="101"><![CDATA[Cover                                                          (ii)  such additional replies are accompanied by
                                                                            a disclaimer of liability by the Named
                                                                            Insured or its Employees

        1.   General                                               occurring after the Retroactive Date stated in the
            The Company will indemnify the Insured subject to the   Schedule and which is
            Limit of Indemnity for all sums which the Insured shall
            become legally liable to pay as Compensation for       A.   both first made as a Claim against the Named
            Financial Loss occasioned  by an Error committed or        Insured and/or its Employees and notified to the
            alleged to have been committed by any Employee
            which                                                      Company during the Period of Insurance or

            (a)  is authorised by the Named Insured or             B.   first made as a Claim against the Named Insured
                                                                       and/or its Employees during the Period of

            (b)  forms part of or arises from any powers conferred     Insurance and notified to the Company within
                                                                       thirty days after the end of the Period of
                 or duties placed upon that Employee                   Insurance

                 (i)   at the request of or with the approval of the   3.   Public Health Act
                     Named Insured or                              The Company will indemnify the Insured subject to the
                                                                   Limit of Indemnity stated hereunder applying to this
                 (ii)  for the purposes of the Named Insured       clause 3 of the Cover (and not as stated in the
                                                                   Schedule) for all sums which the Insured shall become
                 and arising out of the performance and exercise   legally liable to pay as Compensation
                 of the Named Insured’s statutory functions and
                 powers in connection with the Business occurring
                 after the Retroactive Date stated in the Schedule   (a)  (i)    under Section 20 of the Public Health
                 and which is                                              (Control of Disease) Act 1984 Schedule 3 in
                                                                           respect of loss of earnings sustained by any
                                                                           person as a result of such person complying
                 A.   both first made as a Claim against the               with a notice to discontinue work served in
                     Insured and notified to the Company during            accordance with Section 20 of such Act
                     the Period of Insurance or
                                                                       (ii)   under Regulation 9 of the Public Health
                 B.   first made as a Claim against the Insured             (Infectious Diseases) Regulations 1988 in
                     during the Period of Insurance and notified            respect of loss of earnings sustained by any
                     to the Company within thirty days after the            person as a result of compliance by such
                     end of the Period of Insurance
                                                                            person (including a person suspected of
        2.   Land Charges Indemnity                                         being a carrier of any infection to which
            The Company will indemnify the Named Insured                    Schedule 4 of the above Regulations
            and/or its Employees subject to the Limit of Indemnity          applies and is otherwise fit for work) with a
                                                                            notice to discontinue work served in
            for all sums which the Insured shall become legally             accordance with the provisions of the said
            liable to pay as Compensation for Financial Loss                Schedule 4
            occasioned by an Error of the Named Insured or any
            Employee in regard to information given or made            (iii)   for loss of earnings sustained by any person
            available in reply to                                           excluded from work under the terms of

            (a)  enquiries made (in statutory form) in respect of           (a)  a notice issued under paragraph (2) of
                 registers and other records which the Named                    Regulation 19 of the Milk and Dairies
                 Insured is under a statutory duty to maintain or               (General) Regulations 1959

            (b)  enquiries made of the Named Insured for a fee
                 on the form of standard printed enquiries current          (b)  Paragraphs 3(a) to (c) inclusive of
                 at the date of receipt the form of which enquiries             Schedule 3 Part 1 of the Poultry Meat
                 has been agreed by the Association of Local                    (Hygiene) Regulations 1976
                 Authorities and other relevant bodies or          (b)  in respect of loss alleged to have been sustained
                                                                       by the employer of any person in respect of
            (c)  enquiries other than those covered under clause       whom the Company agrees to pay Compensation
                 (b) above added to the standard printed form of       in accordance with the terms of this Policy when
                 enquiries and for which an additional fee is paid     such loss arises directly out of the exclusion from
                 provided that                                         work of such person

                 (i)   such additional enquiries are included on   occurring after the Retroactive Date stated in the
                     the same form and the Named Insured or its    Schedule and which is
                     Employees replies to such enquiries at the
                     same time as the enquiries covered under
                     clause (b) above and


                                                            23
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="102"><![CDATA[A.   both first made as a Claim against the Insured    Definitions
                 and notified to the Company during the Period of
                 Insurance or                                      (a)  The words Nominated Representative shall mean
                                                                       any Employee acting at the request order or
            B.   first made as a Claim against the Insured during      direction of the Named Insured as a director
                 the Period of Insurance and notified to the           officer or trustee of or in any managerial or
                 Company within thirty days after the end of the       supervisory capacity of any Outside Entity
                 Period of Insurance
                                                                   (b)  The words Outside Entity shall mean any body
            subject to the Special Conditions to this clause 3 of      corporate trust association or committee
            the Cover                                                  incorporated or domiciled in the Territorial Limits
                                                                       existing for any profession trade or research
            Limit Of Indemnity                                         promotional training or charitable purpose carried
            The Company's total liability in respect of indemnity      out within the Territorial Limits and not under the
            under this clause 3 of the Cover and under clause 5        authority and control of the Insured
            and 6 of the Cover in any one Period of Insurance
            shall not exceed the sum of £100,000                   Special Condition
                                                                   This clause 4 of the Cover shall be excess of any
            Special Conditions                                     other more specific insurance in force as well as any
                                                                   indemnification available to such Employee from the
            1.   The amount of any loss of earnings shall be
                 agreed between the Company and the Insured        Outside Entity Where such other insurance is provided
                 before any payment is made to a person on         by The Travelers Companies Inc (or would be
                 whom notice has been served In calculating the    provided except for the application of the retention
                 loss of earnings due to any such person there     amount or the exhaustion of the limit of indemnity
                 shall be taken into account any sick pay sickness   under such other insurance) then the total aggregate
                 benefit or other payment to which such person     Limit of Indemnity for all Financial Loss covered by
                 may be entitled under any Social Security Act or   virtue of this clause 4 of the Cover shall be reduced by
                 otherwise                                         the limit of indemnity specified in the schedule of the
                                                                   other insurance provided by The Travelers Companies
            2.   With the agreement of the Company in writing the   Inc
                 Insured may make weekly payments to any
                 person on whom notice has been served on      5.   Claimants' Costs and Expenses
                 account of loss of earnings as aforesaid but the   The Company will indemnify the Insured subject to the
                 Company shall not be bound to reimburse the       Limit of Indemnity against legal liability for claimants'
                 Insured in respect of such payments until the     costs and expenses in connection with the indemnity
                 total amount due shall have been ascertained      provided under clause 1 2 and 4 of the Cover
                 and agreed
                                                                   The Company will indemnify the Insured subject to the
            3.   The Deductible shall not apply to this clause 3 of   limit of indemnity stated in clause 3 of the Cover
                 the Cover                                         against legal liability for claimants' costs and expenses
                                                                   in connection with the indemnity provided under
        4.   Outside Entity Work                                   clause 3 of the Cover
            The Company will indemnify subject to the Limit of
            Indemnity any Employee for all sums which they shall   6.   Defence Costs and Expenses
            become legally liable to pay as Compensation for       The Company will indemnify the Insured in respect of
            Financial Loss occasioned  by an Error occurring after   all
            the Retroactive Date stated in the Schedule committed
            by or alleged to have been committed by the            (a)  costs of legal representation reasonably incurred
            Employee in the pursuit of their duties whilst in the      with the Company's written consent at any
            capacity of a Nominated Representative at the request      proceedings in any court (other than in the
            of the Named Insured of any Outside Entity even if         defence of any criminal proceedings brought or in
            such nomination by the Named Insured is                    an appeal against conviction arising from such
            subsequently deemed ultra vires provided that any          proceedings) in respect of any Error
            Claim arising out of such Error is
                                                                   (b)  other costs and expenses reasonably incurred
            A.   both first made as a Claim against the Employee       with the Company's written consent in relation to
                 and notified to the Company during the Period of      any Error
                 Insurance or
                                                                   which may be the subject of indemnity under clause 1
            B.   first made as a Claim against the Employee        2 and 4 of the Cover subject to the Limit of Indemnity
                 during the Period of Insurance and notified to the   or which may be the subject of indemnity under clause
                 Company within thirty days after the end of the   3 of the Cover subject to the limit of indemnity stated
                 Period of Insurance                               in clause 3 of the Cover




                                                            24
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="103"><![CDATA[7.   Compensation for Court Attendance
            Where at the request of the Company or their
            representatives any of the undermentioned persons
            attend a court or tribunal or other forum as a witness
            in connection with a Claim in respect of which the
            Insured is entitled to indemnity under this Section the
            Company will at their discretion provide compensation
            to the Insured at the following rates per day for each
            day or part thereof on which attendance is required

            (a)  any Member or Governor or director
                 of the Named Insured              £500.00

            (b)  any other Employee                £200.00








































































                                                            25
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="104"><![CDATA[Condition


        1.   Notwithstanding any limitation on the powers of the
            Named Insured

            (a)  where the action or failure to act which is the
                 subject of indemnity under this Section exceeded
                 the powers of the Named Insured then the
                 indemnity provided by this Section shall apply
                 where the Employee in question

                 (i)   believed that the action or failure to act in
                     question was within the powers of the
                     Named Insured

                 (ii)  or (where that action or failure comprises
                     the issuing or authorisation of any document
                     containing any statement as to the powers
                     of the Named Insured or any statement that
                     certain steps have been taken or
                     requirements fulfilled) believed that the
                     contents of that statement were true

                 and it was reasonable for that Employee to hold
                 that belief at the time when he acted or failed to
                 act

            (b)  insofar as any action or failure to act may
                 subsequently be found to be beyond the powers
                 of the Employee in question the indemnity
                 provided by this Section shall apply where the
                 Employee reasonably believed that the act or
                 omission in question was within his powers at the
                 time at which he acted











































                                                            26
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="105"><![CDATA[Limit Of Indemnity


        The Company's total liability in respect of indemnity under
        Cover clauses 1 2 4 5 and 6 of this Section in any one
        Period of Insurance shall not exceed in the aggregate the
        Limit of Indemnity stated in the Schedule

















































































                                                            27
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="106"><![CDATA[Exclusions                                             8.   liability arising out of or for the cost of removing
                                                                   nullifying or clearing up any actual or alleged Pollution
                                                                   or Contamination other than caused by a sudden
                                                                   identifiable unintended and unexpected incident which
        The indemnity provided by this Section does not apply to   takes place in its entirety at a specific time and place
                                                                   during the Period of Insurance anywhere in the world
        1.   indemnify any Employee who is an Insured against      except the United States of America its territories and
            any liability arising out of any act or omission of that   possessions Puerto Rico and Canada
            individual person which is

            (a)  dishonest or criminal or fraudulent or            Provided that

            (b)  the result of deliberate wrongdoing or            (a)  notwithstanding General Condition 17 or any
                                                                       amendment thereto the Company shall not grant
                 recklessness (including for the avoidance of
                 doubt any act or omission of that individual          indemnity in respect of any Claim brought in the
                                                                       courts of the United States of America its
                 person which is made deliberately with intent to      territories and possessions Puerto Rico and
                 cause loss or damage or recklessly as to whether      Canada or in respect of the enforcement of a
                 loss or damage may be caused)                         judgement obtained in any such courts

            provided however                                       (b)  all Pollution or Contamination which arises out of
                                                                       one incident shall be deemed to have occurred at
            (i)   this Section shall provide an indemnity to such      the time such incident takes place
                 individual person against all costs charges and
                 expenses reasonably incurred with the prior
                 consent of the Company in successfully            (c)  For the avoidance of doubt the liability of the
                 defending any action brought in respect of such       Company for all Compensation and claimants’
                 Claims                                                and defence costs and expenses payable in
                                                                       respect of all Pollution or Contamination which
                                                                       has occurred or is deemed to have occurred
            (ii)  for the purpose of this exclusion any such act       during the Period of Insurance shall not exceed
                 described in paragraph (a) and (b) above of this      the Limit of Indemnity in the aggregate
                 exclusion committed or alleged to have been
                 committed by any Employee shall not be imputed    For the purpose of this Exclusion 'Pollution and
                 to any other Employee who did not knowingly       Contamination' shall mean
                 consent to it or authorise it
                                                                   (a)  all pollution or contamination of buildings or other
        2.   indemnify the Named Insured in respect of liability for   structures or water or land or the atmosphere
            acts or omissions authorised by the Named Insured or
            at the request of or with the approval of the Named
            Insured where such authorisation request or approval   and
            is dishonest or criminal or fraudulent or results from      (b)  all loss or damage or injury directly or indirectly
            deliberate wrongdoing or recklessness other than this      caused by such pollution or contamination
            Section shall provide an indemnity to the Named
            Insured against all costs charges and expenses     9.   liability in respect of Injury or Damage
            reasonably incurred with the prior consent of the
            Company in successfully defending any action brought   10.  liability based upon or attributed to or caused wholly or
            in respect of such Claims                              in part by any party specified in the definition of
                                                                   Insured gaining or being promised any personal profit
        3.   liability for slander or libel                        or receiving or being promised any remuneration to
                                                                   which they were not legally entitled.
        4.   liability in respect of surcharge made by the District
            Auditor or other competent body
                                                               11.  liability based upon or attributed to or caused wholly or
        5.   liability for errors or omissions in information given in   in part by any matter the subject of a finding of
            connection with searches and enquiries in relation to   maladministration or censure by either the Local
                                                                   Authority Ombudsman or a court or tribunal of
            property other than as provided for under Cover        competent jurisdiction
            clause 2 (Land Charges Indemnity) of this Section
                                                                   Provided always that this exclusion shall not apply in
        6.   liability arising from any notice served under any    respect of any legal liability that would have attached
            public health regulations or any similar legislation   independently of such finding
            other than as provided for under Cover clause 3
            (Public Health Act) to this Section                12.  liability of whatsoever nature directly or indirectly
                                                                   caused by or contributed to by or arising from or costs
        7.   liability assumed by the Insured under any contract or   and expenses arising in relation to the failure of any
            agreement (whether orally or in writing) unless such
            liability would have attached notwithstanding such     computer or other equipment or system for processing
            contract or agreement                                  storing or retrieving data whether the property of the


                                                            28
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="107"><![CDATA[Insured or not and whether occurring before during or
            after the year 2000

            (a)  correctly to recognise any date as its true
                 calendar date

            (b)  to capture save or retain and/or correctly to
                 manipulate interpret or process any data or
                 information or command or instruction as a result
                 of treating any date otherwise than as its true
                 calendar date

            (c)  to capture save retain or correctly to process any
                 data as a result of the operation of any command
                 which has been programmed into any computer
                 software being a command which causes the
                 loss of data or the inability to capture save retain
                 or correctly to process such data on or after any
                 date

        13.  liability arising from any breach of any obligation owed
            by the Insured as employer to any Employee or former
            Employee

        14.  liability under the Data Protection Act 1998 or similar
            legislation outside the United Kingdom

        15.  in respect of any Claim arising out of any
            Circumstance

            (a)  notified by the Insured under any insurance
                 which was in force prior to the Inception Date of
                 this Section

            or

            (b)  known or which in the reasonable opinion of the
                 Company ought to have been known to the
                 Insured at the Inception Date of this Section

            unless such Circumstance has been declared to and
            accepted by the Company in writing


































                                                            29
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="108"><![CDATA[Professional Indemnity                                     Definition 27 for the purposes of this Section also
                                                                   mean

        Section                                                    (a)  any Employee of the Named Insured in respect of
                                                                       liability for which the Named Insured would have
                                                                       been entitled to indemnification under this
        Definitions                                                    insurance if the claim had been made against the
                                                                       Named Insured and shall include

                                                                       (i)   any former Employee in respect of claims
        1.   Business Activities                                           which arise out of the exercise and conduct
            The words 'Business Activities’ shall mean the                 of the Business during the period whilst the
            business activities of the Named Insured stated in the         Employee is or was employed by the
            Schedule to this Section and none other                        Named Insured

        2.   Damage                                                    (ii)  any former Employee of the Named Insured
            The word 'Damage' shall mean accidental destruction            who has continued as a self-employed
            of or accidental damage to or loss of tangible property        consultant contracted by the Named Insured
            or Documents                                                   and/or any such consultant who is no longer
                                                                           associated with the Named Insured in
        3.   Documents                                                     respect of claims which arise out of the
            The word 'Documents' shall mean all                            exercise and conduct of the Business during
                                                                           the period whilst the consultant is or was
            (a)  documents (excluding bearer bonds coupons                 engaged by the Named Insured on a
                 bank or currency notes or other negotiable                consultancy basis
                 instruments)
                                                                   (b)  any joint venturers where the Named Insured is
            (b)  records stored electronically                         engaged in a joint venture which has been
                                                                       declared to and accepted by the Company
        4.   Employee
            The word 'Employee' shall in addition to General       (c)  any predecessors in business of the Named
            Definition 19 for the purposes of this Section include     Insured provided the Company has been notified
            and/or also mean                                           in writing of the existence of such predecessors

            (a)  any labour only sub-                              and the legal personal representative of any party
                 contractor or labour                              referred to in this definition
                 master or any person
                 supplied by them                                  Provided that

            (b)  any self-employed                                 (i)   each party covered hereunder shall observe fulfil
                 person providing labour                               and be subject to the terms and conditions of the
                 only                                                  Policy insofar as they can apply

            (c)  any person hired to or     whilst working         (ii)  the Company’s aggregate liability to all bodies
                 borrowed by the Named      directly for the           corporate comprising the Named Insured and any
                 Insured                                               other party or parties shall not exceed the Limit of
                                            Named                      Indemnity or the amount of any other limit stated
            (d)  any person under work      Insured in                 in the Policy
                 experience or similar      connection
                 schemes                    with the
                                            Business
            (e)  any volunteer worker
                 acting under the
                 authority of the Named
                 Insured

            (f)   persons seconded from
                 other public authorities

            (g)  any director of the
                 Named Insured

        5.   Insured
            At the request of the Named Insured the word
            ‘Insured’ shall in addition to paragraph (a) of General



                                                            30
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="109"><![CDATA[Operative Clauses                                                  (b)  any monies held by the Insured and
                                                                                belonging to such person

                                                                            (c)  any monies recovered following action
        1.   Legal Liability                                                    as described in 1B(iii) above
            The Company will indemnify the Insured subject to the
            Limit of Indemnity against legal liability for             (v)  the Company shall not be liable for any
            Compensation (including claimants' costs and                    claim arising from any dishonest or
            expenses) in respect of any Claim which is
                                                                            fraudulent act or omission committed by
            (a)  both first made against the Insured and notified to
                 the Company during the Period of Insurance or              (a)  any person after the discovery by a
                                                                                director officer or principal of the
                                                                                Insured of reasonable cause for
            (b)  first made against the Insured during the Period
                 of Insurance and notified to the Company within                suspicion of fraud or dishonesty in
                                                                                relation to that person
                 thirty days after the end of the Period of
                 Insurance                                                  (b)  any director  officer or principal of the
                                                                                Insured
            incurred in the conduct of the Business Activities of
            the Named Insured carried out at or from premises      C.  Libel and Slander
            within the Territorial Limits by reason of                 libel and Slander accidentally committed or
                                                                       occasioned by the Insured or any Agent in good
            A.  Breach of Duty
                 a breach of duty owed by the Insured in its           faith
                 professional capacity arising out of any act error
                 or omission which is negligent accidentally   2.   Accidental Damage to Documents
                 committed or occasioned in good faith by          The Company will indemnify the Insured against
                                                                   accidental Damage to Documents belonging to or for
                                                                   which the Insured is legally responsible incurred in the
                 (i)    the Insured                                conduct of the Business Activities of the Named
                                                                   Insured carried out at or from premises within the
                 (ii)   any Agent                                  Territorial Limits first discovered and notified to the
                                                                   Company during the Period of Insurance
                 (iii)   any other person firm or company acting
                     jointly with the Insured                      This indemnity is in respect of

            B.  Dishonesty
                 any dishonest or fraudulent act or omission on    (a)  all Compensation which the Insured shall
                 the part of any Employee or Agent                     become legally liable to pay in consequence of
                                                                       such Damage subject to the Limit of Indemnity
                 Provided that                                         and
                                                                   (b)  all costs and expenses reasonably incurred by
                 (i)   such dishonest or fraudulent act error or       the Insured in replacing or restoring Documents
                     omission was made without the consent or          belonging to the Insured up to a maximum of
                     connivance of any director officer or             £25,000 during the Period of Insurance
                     principal of the Named Insured
                                                                   Provided that such Damage is sustained while the
                 (ii)  no person committing or condoning such      Documents are either in transit or in the custody or
                     dishonest or fraudulent act or omission shall   control of the Insured or its Agent or any person to
                     be entitled to indemnity                      whom the Insured has entrusted them and that where
                                                                   documents are believed lost the Insured or its Agent
                 (iii)  if the Company so requests the Named
                     Insured shall take all reasonable steps to    has failed to find them after diligent search
                     effect recovery from the person committing
                     or condoning such dishonest or fraudulent     The Deductible shall not apply to Operative Clause
                                                                   2(b) above
                     act or omission or from the estate and/or the
                     legal representatives of such person      3.   Defence Costs and Expenses
                                                                   The Company will indemnify the Insured subject to the
                 (iv)  the following shall be deducted from any    Limit of Indemnity in respect of all costs and expenses
                     amount which but for this sub-clause (iv)     (other than any costs incurred in endeavouring to
                     would be payable under this insurance         effect recovery in accordance with provision (iii) of
                                                                   Operative Clause 1.B. which are incurred by the
                     (a)  any monies which but for such            Company or by the Insured with the Company's
                         dishonest or fraudulent act or omission   written consent in connection with the defence or
                         would be due from the Insured to the
                         person committing or condoning such       settlement of any Claim under this Section
                         act error or omission


                                                            31
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="110"><![CDATA[Additional Cover


        1.   Compensation for Court Attendance
            In the event of any of the undermentioned persons
            attending a court or tribunal or other forum as a
            witness at the request of the Company in connection
            with a Claim in respect of which the Insured may be
            entitled to indemnity under Operative Clause 1 the
            Company will at their discretion pay the Insured at the
            following rates per day on which attendance is
            required

            (a)  any director or officer or principal
                 of the Named Insured              £500

            (b)   any other Employee               £200




































































                                                            32
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="111"><![CDATA[Limit Of Indemnity


        1.   Limit of Indemnity applying to Operative Clauses 1
            and 2(a) and 3
            The liability of the Company under Operative Clauses
            1 and 2(a) and 3 in any one Period of Insurance shall
            not exceed in the aggregate the Limit of Indemnity
            specified in the Schedule

            Where the Company is liable to indemnify more than
            one person firm company or body the total amount of
            indemnity payable under this insurance shall not
            exceed the Limit of Indemnity








































































                                                            33
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="112"><![CDATA[Exclusions                                                     writing) of any express warranty guarantee or
                                                                       other contractual promise which increases the
                                                                       Insured's liability where such are given or
                                                                       accepted as part of the Insured's terms of
        The Company shall not be liable under this Section             engagement unless the Insured would have been
                                                                       liable in the absence of such express warranty
        1.   in respect of the Deductible except that this exclusion   guarantee or other contractual promise or the
            shall not apply to                                         Company has approved the terms of
                                                                       engagement in writing
            (a)  any costs or expenses payable under Operative
                 Clause 2(b)
                                                                   (b)   in respect of liability assumed by the Insured
            (b)  Additional Cover 1 Compensation for Court             under contract or agreement to any person firm
                                                                       or company who is a third party within the
                 Attendance
                                                                       meaning of the Contracts (Rights of Third
                                                                       Parties) Act 1999 unless the Company has
        2.   in respect of any Claim for Injury to any person          signified its approval to the form of such contract
            including for the avoidance of doubt Bodily Injury         or agreement or such liability would have
            sustained by any Employee arising out of and in the        attached notwithstanding such contract or
            course of their employment by the Named Insured            agreement

        3.   in respect of any Claim for Damage to Property other   10.  any Claim arising out of or for the cost of removing
            than as provided for within Operative Clause 2 of this   nullifying or clearing up any actual or alleged Pollution
            Section
                                                                   or Contamination
        4.   in respect of any Claim arising from the provision of
            advice design or specification where the Insured       (a)  within the United States of America its territories
            contracts to                                               and possessions Puerto Rico and Canada or
                                                                   (b)  elsewhere in the world unless caused by a
            (a)  manufacture construct erect or install                sudden identifiable unintended and unexpected
                                                                       incident which takes place in its entirety at a
                 or                                                    specific time and place after the Retroactive Date

            (b)  supply materials or equipment                         provided that

        5.   in respect of any Claim arising from any breach of any    (i)   notwithstanding General Condition 17 or
            obligation owed by the Insured as employer to any              any amendment thereto the Company shall
            Employee or former Employee
                                                                           not grant indemnity in respect of any Claim
        6.   in respect of any Claim arising out of any                    brought in the courts of the United States of
            Circumstance                                                   America its territories and possessions
                                                                           Puerto Rico and Canada or in respect of the
                                                                           enforcement of a judgement obtained in any
            (a)  notified by the Insured under any insurance               such courts
                 which was in force prior to the Inception Date of
                 this Section                                          (ii)  all Pollution or Contamination which arises
                                                                           out of one incident shall be deemed to have
            or                                                             occurred at the time such incident takes
                                                                           place
            (b)  known or which in the reasonable opinion of the
                 Company ought to have been known to the           For the purpose of this Exclusion ‘Pollution or
                 Insured at the Inception Date of this Section
                                                                   Contamination’ shall mean
            unless such Circumstance has been declared to and
            accepted by the Company in writing                     A.   all pollution or contamination of buildings or other
                                                                       structures or water or land or the atmosphere
        7.   in respect of any Claim arising out of any act error or   and
            omission committed or occasioned or alleged to have
            been committed or occasioned prior to the Retroactive   B.   all Damage or Injury directly or indirectly caused
            Date stated in the Schedule                                by such pollution or contamination

        8.   in respect of any Claim arising solely and directly out   11.  in respect of any Claim made against the Insured by
            of the ownership possession or use by or on behalf of   any holding or subsidiary or associated company or
            the Insured of any aircraft watercraft hovercraft motor   partner or director of the Insured or by any other
            vehicle or trailer or any buildings premises or land or   person company or entity exercising a controlling
            that part of any building leased rented or occupied
                                                                   interest over the Insured by virtue of their having a
        9.   (a)   in respect of any contractual liability arising from   financial or executive interest in the operation of the
                 the giving by the Insured (whether orally or in   Insured unless such Claim is for an indemnity or

                                                            34
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="113"><![CDATA[contribution in respect of a Claim made by another     (iii)  to capture save retain or correctly to process any
            party against the said holding or subsidiary or            data as a result of the operation of any command
            associated company or partner or director or any other     which has been programmed into any computer
            person company or entity and arises out of advice or       software being a command which causes the
            services rendered by the Insured                           loss of data or the inability to capture save retain
                                                                       or correctly to process such data on or after any
        12.  in respect of any fees claimed back by a client of the    date
            Insured or which have had to be refunded to a client of
            the Insured due or allegedly due to non-performance   17.  in respect of Operative Clause 2(b) for any Damage to
            of the Insured's contractual or other obligations to that   Documents caused by or resulting from an attack
            client                                                 which allows unauthorised access or use of a
                                                                   computer or telecommunications system by
        13.  in respect of any Claim directly or indirectly caused by   electronically circumventing a security system and
            or contributed to by any dishonest or criminal or      procedure and or a Computer Virus
            fraudulent act or omission on the part of any director
            officer or principal of the Named Insured

        14.  in respect of any Claim arising from an act or omission
            in the provision of or failure to provide Health Care

            For the purpose of this exclusion the words ‘Health
            Care’ shall mean health care rendered by members of
            the health care and allied services or by others
            consequent on decisions or judgements made by such
            members

            Such members shall include but not be limited to

            (i)   medical and dental practitioners
            (ii)  nurses
            (iii)  midwives
            (iv)  pharmacists
            (v)  professions allied to medicine
            (vi)  care assistants and nursing auxiliaries
            (vii)  ambulance personnel
            (viii) laboratory technicians
            (ix)  social workers

        15.  in respect of liability under the Data Protection Act
            1998 or similar legislation outside the United Kingdom

        16.  (a)   in respect of any Claim directly or indirectly
                 caused by or contributed to by or arising from or
                 costs and expenses arising in relation to

            or

            (b)   in respect of Operative Clause 2(b) for any
                 Damage to Documents directly or indirectly
                 caused by

            the failure of any computer or other equipment or
            system for processing storing or retrieving data
            whether the property of the Insured or not and whether
            occurring before during or after the year 2000

            (i)   correctly to recognise any date as its true
                 calendar date

            (ii)  to capture save or retain and/or correctly to
                 manipulate interpret or process any data or
                 information or command or instruction as a result
                 of treating any date otherwise than as its true
                 calendar date




                                                            35
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="114"><![CDATA[Endorsements


        The following endorsement is only operative if shown on
        the Professional Indemnity Section Schedule and is subject
        otherwise to the terms conditions and exclusions of the
        Section and the Policy

        PI01.     North American Jurisdiction
                 General Condition 17 shall not apply and any
                 indemnity provided by this Section in respect of
                 legal liability to pay Compensation (including
                 claimants’ costs and expenses) shall operate in
                 accordance with the law of any country however
                 with respect to any judgement award payment or
                 settlement made within countries which operate
                 under the laws of the United States of America or
                 Canada (or to any order made anywhere in the
                 world to enforce such judgement award payment
                 or settlement either in whole or in part) the
                 following additional condition shall apply

                 (a)  the Company will not be liable for the
                     Deductible stated in the Schedule


























































                                                            36
        Casualty Policy Wording                                                        TRV0126 02/14  Policy Code 2010 05/12]]></page><page Index="115"><![CDATA[Travelers Insurance Company Limited
        61-63 London Road, Redhill, Surrey RH1 1NA

        Travelers Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential
        Regulation Authority.
        Registered office: Exchequer Court, 33 St. Mary Axe, London EC3A 8AG. Registered in England 1034343

        travelers.co.uk
        TRV0126 02/14                                                                          Policy Code 2010 05/12]]></page><page Index="116"><![CDATA[POLICY SCHEDULE

                   POLICY TYPE (Line of Business):  Excess Employers’ Liability
                                                     Excess Public/Products Liability


                   REASON FOR ISSUE:  NEW BUSINESS


                   POLICY NUMBER:  Y104452QBE0115A                                                  AGENCY: Marsh Ltd

                   THE INSURED:                                       London Borough of Enfield.


                   The principal address of the Insured: Civic Centre Silver Street Enfield Middlesex EN1 3XF

                   THE PERIOD OF INSURANCE:              From: 1 April 2015       at 00:01     GMT

                                                                  To  :   31 March 2016  at 24:00   GMT

                   THE PREMIUM:                         GBP

                   TAX PAYBALE:                         GBP

                   TOTAL PREMIUM DUE:                  GBP


                   LINE OF BUSINESS:       Excess Employers’ Liability

                   THE LIMIT OF INDEMNITY OF THIS POLICY for: Excess Employers’ Liability:
                   The following Limits of Indemnity are not cumulative except where stated as such in the Primary
                   Policy

                   GBP 25,000,000 any one occurrence as more fully defined in the Primary Policy


                   STRETCHED LIMITS OF INDEMNITY (IF ANY) OF THIS POLICY:
                   None


                   INNER LIMITS OF INDEMNITY (IF ANY) OF THIS POLICY:
                   None

                   in excess of the Underlying Amounts being the total Limit of Indemnity as stated in the
                   Underlying  Policy or Policies]]></page><page Index="117"><![CDATA[UNDERLYING POLICY OR POLICIES:


                   Primary Policy/ies:
                   Insurer(s)                              Policy Reference

                   Aspen                              I0A5UYT15A0H / I0A5UYT15B0H

                   Primary Policy/ies Limit of Indemnity

                   GBP 25,000,000 any one occurrence as more fully defined in the Primary Policy

                   Inner Limits of Indemnity (if any) of Primary Policy:
                   None

                   LINE OF BUSINESS:        Excess Public/Products Liability

                   THE LIMIT OF INDEMNITY OF THIS POLICY for Excess Public/Products Liability:
                   The following Limits of Indemnity are not cumulative except where stated as such in the Primary
                   Policy

                   GBP 25,000,000 any one occurrence and in the aggregate for Products and Pollution as more
                   fully defined in the Primary Policy


                   STRETCHED LIMITS OF INDEMNITY (IF ANY) OF THIS POLICY:
                   None


                   INNER LIMITS OF INDEMNITY (IF ANY) OF THIS POLICY:
                   None

                   in excess of the Underlying Amounts being the total Limit of Indemnity as stated in the
                   Underlying  Policy or Policies

                   UNDERLYING POLICY OR POLICIES:


                   Primary Policy/ies:
                   Insurer(s)                              Policy Reference

                   Aspen                              I0A5UYT15A0H / I0A5UYT15B0H

                   Primary Policy/ies Limit of Indemnity

                   GBP 25,000,000 any one occurrence and in the aggregate for Products and Pollution as more
                   fully defined in the Primary Policy]]></page><page Index="118"><![CDATA[Inner Limits of Indemnity (if any) of Primary Policy:


                   GBP 10,000,000 any one occurrence and in the aggregate for Officials Indemnity

                   GBP   5,000,000 any one occurrence and in the aggregate for Libel and Slander

                   GBP 10,000,000 any one occurrence and in the aggregate for Land Charges

                   GBP      100,000 any one occurrence and in the aggregate for Public Health Act

                   ENDORSEMENTS APPLICABLE  TO THIS POLICY

                   Line of Business

                   It is understood and agreed that this Policy applies only in respect of the Primary Policy for legal
                   liability in respect of Line of Business: Employers' Liability and Public/Products Liability


                   Underlying Inner Limits Step-Down - excluded where specified in this endorsement

                   This Policy will not apply to liability for Officials Indemnity, Libel and Slander, Land Charges, and
                   Public Health Act which are subject to an Inner Limit of Indemnity in the Public/Products Liability
                   Primary Policy as specified in the Schedule and as more fully defined in the Primary Policy.
                   In this respect only, Condition 3.10 is deleted and of no effect.

                   Coinsurance Memorandum

                   Clause 3 - Conditions

                   Notwithstanding anything herein to the contrary and in accordance with its General terms and
                   conditions the word insurer is deemed to mean the under noted insurance firms each for the
                   proportion set against their name.   The proportion shown next to its stamp is deemed to mean
                   the proportion set down below.  The lead insurer is duly authorised by the other firms to witness
                   this policy on their behalf.

                   Insurer                                           Proportion (per cent)

                   QBE Insurance (Europe) Limited - lead insurer

                   QBE Casualty Syndicate 386

                                                                                    Total:100%



                   The liability of an insurer under this contract is several and not joint with other insurers party to
                   this contract. An insurer is liable only for the proportion of liability it has underwritten. An insurer is
                   not jointly liable for the proportion of liability underwritten by any other insurer. Nor is an insurer
                   otherwise responsible for any liability of any other insurer that may underwrite this contract.

                   In the case of a Lloyd’s syndicate, each member of the syndicate (rather than the syndicate itself)
                   is an insurer. Each member has underwritten a proportion of the total shown for the syndicate
                   (that total itself being the total of the proportions underwritten by all the members of the syndicate]]></page><page Index="119"><![CDATA[taken together). The liability of each member of the syndicate is several and not joint with other
                   members. A member is liable only for that member’s proportion. A member is not jointly liable for
                   any other member’s proportion. Nor is any member otherwise responsible for any liability of any
                   other insurer that may underwrite this contract. The business address of each member is Lloyd’s,
                   One Lime Street, London EC3M 7HA. The identity of each member of a Lloyd’s syndicate and
                   their respective proportion may be obtained by writing to Market Services, Lloyd’s, at the above
                   address.

                   The final clause of the policy under the section heading Complaints specifies that the Company
                   Market and Lloyd’s underwriters are covered by the Financial Services Compensation Scheme
                   and that the insured maybe entitled to compensation from the Scheme if the insurer is unable to
                   meet its obligations under this contract.




                   MXLASB010112-ZE

                   Exclusion - Asbestos


                   The Policy excludes and does not cover any liability directly or indirectly caused by or alleged to
                   be caused by or contributed to in whole or in part by any work involving the manufacture, mining,
                   processing, use, installation, storage, removal, stripping out, demolition, disposal, distribution,
                   inspection or testing of or exposure to asbestos, asbestos fibres, asbestos dust, or asbestos
                   containing materials.




                   SCHEDULE OF INSURERS

                   The Insurer means
                                                                                    PROPORTION

                   Contract Lead Insurer:   QBE Insurance (Europe) Limited                 100%



                   Several Liability Notice
                   Where there is more than one Insurer shown in the Schedule of Insurers, the liability of Insurers
                   participating under this Policy is several and not joint with any other individual Insurer
                   participating in this Policy. Each Insurer is liable only for the proportion of liability it has
                   underwritten. Each Insurer is not jointly liable for the proportion of liability underwritten by any
                   other Insurer, nor is any Insurer otherwise responsible for any liability of any other Insurer that
                   may participate in this Policy

                   Co-insurer Agreement
                   Where there is more than one Insurer shown in the Schedule of Insurers, the Insurers agree to
                   follow  all  decisions,  surveys  and  settlements  of  the  designated  Contract  Lead  Insurer  of  this
                   Policy regarding claims, unless such settlements are to be made on an ‘ex gratia’ basis.

                   Policy Acceptance
                   The Insurer herein agrees to accept all wordings incorporated in this Policy as their own]]></page><page Index="120"><![CDATA[Appearing at end of insurer’s own badged wording:


                   Insurer’s claims contact details

                   Insurer’s FSA / DPA / Complaints statements

                   Signed for the Insurer:  etc.




                   (17.1.13)]]></page><page Index="121"><![CDATA[LOCAL AUTHORITY COMBINED LIABILITY SCHEDULE
                                                            .

        Policy Number        I0A5UYT16A0H / I0A5UYT16B0H                    Broker     JLT Specialty Limited


        Insured              LONDON BOROUGH OF ENFIELD                      Employer Reference Number(s)  120/B32

        Subsidiary Companies  None
        Address              CIVIC CENTRE
                             SILVER STREET
                             ENFIELD
                             MIDDLESEX
                             EN1 3XF
        Business             Unitary Authority

        Wording              Aspen Local Authority Combined Liability 2015
        Period of Insurance  01 April 2016         to    31 March 2017      both days inclusive


        LIMIT OF INDEMNITY

                Section      Operative  Limit
        A  Employers’ Liability  YES   GBP       25,000,000  any one occurrence.
                                      (but GBP 5,000,000
                                      in respect of Offshore)
        B  Public Liability  YES      GBP        25,000,000  any one occurrence.
        C Product Liability  YES      GBP        25,000,000  in all in the Period of Insurance.
        D Pollution Liability  YES    GBP        25,000,000  in all in the Period of Insurance.
        E  Officials Indemnity  YES   GBP        10,000,000  in all in the Period of Insurance.
        F  Professional Indemnity  YES   GBP       1,000,000  in all in the Period of Insurance.
        G Libel and Slander  YES      GBP          5,000,000  in all in the Period of Insurance.
        H Land Charges       YES      GBP        10,000,000  in all in the Period of Insurance.
        I  Public Health Act  YES     GBP             100,000  in all in the Period of Insurance.


        PREMIUM

                Section        Minimum & Deposit  Method of Calculation                        Plus 9.5% IPT
        A  Employers’ Liability  GBP           Adjustable at    on Total wages GBP             GBP
        B  Public Liability  GBP               Adjustable at    on Total wages GBP             GBP
        C Product Liability  Included in B
        D Pollution Liability  Included in B
        E  Officials Indemnity  GBP             Adjustable at   on Total wages (for limits up to and including
                                               GBP 2,000,000) GBP
                             GBP                In full for any limit in excess of GBP 2,000,000
        F  Professional Indemnity  Included in E
        G Libel and Slander  Included in E
        H Land Charges       Included in E
        I  Public Health Act  Included in E


        In full premium GBP    for the following limits:
           Officials Indemnity  GBP      XS GBP
           Libel and Slander  GBP        XS GBP
           Land Charges      GBP         XS GBP






                                                         Page 1 of 3]]></page><page Index="122"><![CDATA[LOCAL AUTHORITY COMBINED LIABILITY SCHEDULE
                                                            .

        Policy Number        I0A5UYT16A0H / I0A5UYT16B0H                    Broker     JLT Specialty Limited


        EXCESS

                Section      Excess
        A  Employers’ Liability  GBP     500,000 each and every claim inclusive of costs and expenses.
        B  Public Liability  GBP         500,000 each and every claim inclusive of costs and expenses.
        C Product Liability  GBP         500,000 each and every claim inclusive of costs and expenses.
        D Pollution Liability  GBP       500,000 each and every claim inclusive of costs and expenses.  Combined Liability
        E  Officials Indemnity  GBP      500,000 each and every claim inclusive of costs and expenses.  Aggregate Stop of GBP
        F  Professional Indemnity  GBP   500,000 each and every claim inclusive of costs and expenses.
        G Libel and Slander  GBP         500,000 each and every claim inclusive of costs and expenses.
        H Land Charges       GBP         500,000 each and every claim inclusive of costs and expenses.
        I  Public Health Act  GBP        500,000 each and every claim inclusive of costs and expenses.

        The Insured shall be responsible for the first amount of each and every claim or series of claims arising from one source or original cause as
        indicated in the Excess.  The amount shown is inclusive of all costs, expenses and fees (other than the fees of Company’s nominated loss adjuster)
        incurred in the investigation, defence or settlement of any claim.  The Company may require the Excess to be paid at any time during the
        investigation, defence or settlement of any claim.  Notwithstanding this Excess, the Insured shall comply with Condition 5. Claims Procedure as if no
        Excess applied.  A “claim” is deemed to be any notification forwarded to the Company in accordance with Condition 5. Claims Procedure.


        RETROACTIVE DATE
                Section
        E  Officials Indemnity  01 April 2004
        F  Professional Indemnity  01 April 2010
        G Libel and Slander  01 April 2004
        H Land Charges       01 April 2004
        I  Public Health Act  01 April 2004


        MEMORANDA ATTACHING TO THE POLICY
        Long Term Agreement Clause (No Discount) (Jan 2010) (132b)
        Election Indemnity Extension (162a)
        Data Protection Act - Amendment to Limit of Indemnity
        ENDORSEMENTS

        Long Term Agreement [Aspen 132b]
        In consideration of the Insured having undertaken to offer the renewal of this insurance to the Company on the same basic rates and conditions for a
        period of 2 years from 01 April 2015, with the option to extend for a futher 12 months from 01 April 2017, and for a further 12 months from 01 April
        2018, and to pay the premium annually, a discount has been allowed in arriving at the premium provided that:-

        i)  the premium shall be subject to revision on a reasonable and proper scale following advice of any alteration that materially affects the subject
           matter of this insurance.
        ii) the minimum and/or deposit premium may be amended following any alteration in any estimate(s) provided (but the maximum reduction in the
           minimum and deposit premium following any reduction in wages and/or turnover estimates for any subsequent period shall be   ).
        If the Insured fails to adhere to his obligations under this agreement, the Company shall secure damages from the Insured in the sum of the total
        premium that the Company would have been entitled to receive had the Insured adhered to such obligations.
        Subject to all other terms of the insurance.









                                                         Page 2 of 3]]></page><page Index="123"><![CDATA[LOCAL AUTHORITY COMBINED LIABILITY SCHEDULE
                                                            .

        Policy Number        I0A5UYT16A0H / I0A5UYT16B0H                    Broker     JLT Specialty Limited


        Election Indemnity Extension (162a)
        Extension to Section E: Officials’ Indemnity

        The Company will also indemnify the Insured against all sums which the Insured becomes legally liable to pay for damages and claimant’s costs and
        expenses arising out of or in connection with any accidental breach of duty by any Returning Officer, Acting Returning Officer, Deputy Acting
        Returning Officer or any other person employed or officially acting for them in connection with any local or United Kingdom parliamentary election,
        any Police and Crime Commissioners Election, or any referendum.

        It is further noted and agreed that the Excess in respect of this Extension is nil.
        The Company will also pay Defence Costs within the Limit of Indemnity.

        Subject  to all other terms of the insurance.
        Data Protection Act - Amendment to Limit of Indemnity
        Extension to All Sections
        Data Protection Act is amended to read as follows:
        The Company will indemnify the Insured against all sums which the Insured becomes legally liable to pay under Section 13 of the
        Data Protection Act 1998 in connectin with personal data as defined by the said Act held by the Insured, but the Company will not
        indemnify the Insured for:-
        i)  the payment of fines or penalties.
        ii) the cost of replacing, reinstating, rectifying or erasing any personal data.
        iii) in respect of Sections E, G and H respectively, any Limit of Indemnity in excess of GBP 2,000,000.

        Subject to all other terms of the insurance.









































                                                         Page 3 of 3]]></page><page Index="124"><![CDATA[LOCAL AUTHORITY COMBINED LIABILITY SCHEDULE
                                                            .

        Policy Number         I0A5UYT17A0H / I0A5UYT17B0H                   Broker     JLT Specialty Limited


        Insured               LONDON BOROUGH OF ENFIELD                     Employer Reference Number(s)  120/B32
        Subsidiary Companies  None

        Address               CIVIC CENTRE
                              SILVER STREET
                              ENFIELD
                              MIDDLESEX
                              EN1 3XF

        Business              Unitary Authority
        Wording               Aspen Local Authority Combined Liability 2015

        Period of Insurance   1 April 2017    to    31 March 2018  both days inclusive


        LIMIT OF INDEMNITY
                Section       Operative  Limit
        A   Employers’ Liability  YES   GBP       25,000,000  any one occurrence.
                                       (but GBP 5,000,000
                                       in respect of Offshore)
        B   Public Liability  YES      GBP        25,000,000  any one occurrence.
        C   Product Liability  YES     GBP        25,000,000  in all in the Period of Insurance.
        D   Pollution Liability  YES   GBP        25,000,000  in all in the Period of Insurance.
        E   Officials Indemnity  YES   GBP        10,000,000  in all in the Period of Insurance.
        F   Professional Indemnity  YES   GBP       1,000,000  in all in the Period of Insurance.
        G   Libel and Slander  YES     GBP          5,000,000  in all in the Period of Insurance.
        H   Land Charges      YES      GBP        10,000,000  in all in the Period of Insurance.
        I   Public Health Act  YES     GBP             100,000  in all in the Period of Insurance.

        PREMIUM

                Section         Minimum & Deposit  Method of Calculation                       Plus 10% IPT
        A   Employers’ Liability  GBP           Adjustable at    on Total wages GBP            GBP
        B   Public Liability  GBP               Adjustable at    on Total wages GBP            GBP
        C   Product Liability  Included in B
        D   Pollution Liability  Included in B
        E   Officials Indemnity  GBP            Adjustable at    on Total wages (for limits up to and including   GBP
                                                GBP       ) GBP
                              GBP               In full for any limit in excess of GBP         GBP
        F   Professional Indemnity  Included in E
        G   Libel and Slander  Included in E
        H   Land Charges      Included in E
        I   Public Health Act  Included in E


        In full premium GBP    for the following limits:
            Officials Indemnity  GBP      XS GBP
            Libel and Slander  GBP       XS GBP
            Land Charges      GBP        XS GBP







                                                         Page 1 of 3]]></page><page Index="125"><![CDATA[LOCAL AUTHORITY COMBINED LIABILITY SCHEDULE
                                                            .

        Policy Number         I0A5UYT17A0H / I0A5UYT17B0H                   Broker     JLT Specialty Limited


        EXCESS
                Section       Excess
        A   Employers’ Liability  GBP     500,000 each and every claim inclusive of costs and expenses.
        B   Public Liability  GBP         500,000 each and every claim inclusive of costs and expenses.
        C   Product Liability  GBP        500,000 each and every claim inclusive of costs and expenses.
        D   Pollution Liability  GBP      500,000 each and every claim inclusive of costs and expenses.     Combined Liability
        E   Officials Indemnity  GBP      500,000 each and every claim inclusive of costs and expenses.     Aggregate Stop of
        F   Professional Indemnity  GBP   500,000 each and every claim inclusive of costs and expenses.     GBP
        G   Libel and Slander  GBP        500,000 each and every claim inclusive of costs and expenses.
        H   Land Charges      GBP         500,000 each and every claim inclusive of costs and expenses.
        I   Public Health Act  GBP        500,000 each and every claim inclusive of costs and expenses.

        The Insured shall be responsible for the first amount of each and every claim or series of claims arising from one source or original cause as indicated
        in the Excess.  The amount shown is inclusive of all costs, expenses and fees (other than the fees of Company’s nominated loss adjuster) incurred in
        the investigation, defence or settlement of any claim.  The Company may require the Excess to be paid at any time during the investigation, defence or
        settlement of any claim.  Notwithstanding this Excess, the Insured shall comply with Condition 5. Claims Procedure as if no Excess applied.  A “claim”
        is deemed to be any notification forwarded to the Company in accordance with Condition 5. Claims Procedure.


        RETROACTIVE DATE

                Section
        E   Officials Indemnity  01 April 2004
        F   Professional Indemnity  01 April 2010
        G   Libel and Slander  01 April 2004
        H   Land Charges      01 April 2004
        I   Public Health Act  01 April 2004


        MEMORANDA ATTACHING TO THE POLICY

        Data Protection Act - Amendment to Limit of Indemnity
        Election Indemnity Extension (162a)
        Long Term Agreement Clause (No Discount) (Jan 2010) (132b)
        Risk Management Bursary
        ENDORSEMENTS
        Data Protection Act - Amendment to Limit of Indemnity

        Extension to All Sections

        Data Protection Act is amended to read as follows:

        The Company will indemnify the Insured against all sums which the Insured becomes legally liable to pay under Section 13 of the Data Protection Act
        1998 in connection with personal data as defined by the said Act held by the Insured, but the Company will not indemnify the Insured for:-

        i)  the payment of fines or penalties.
        ii)  the cost of replacing, reinstating, rectifying or erasing any personal data.
        iii)  in respect of Sections E, G and H respectively, any Limit of Indemnity in excess of GBP 2,000,000.

        Subject to all other terms of the insurance.







                                                         Page 2 of 3]]></page><page Index="126"><![CDATA[LOCAL AUTHORITY COMBINED LIABILITY SCHEDULE
                                                            .

        Policy Number         I0A5UYT17A0H / I0A5UYT17B0H                   Broker     JLT Specialty Limited


        Election Indemnity Extension [Aspen 162a]
        Extension to Section E: Officials’ Indemnity

        The Company will also indemnify the Insured against all sums which the Insured becomes legally liable to pay for damages and claimant’s costs and
        expenses arising out of or in connection with any accidental breach of duty by any Returning Officer, Acting Returning Officer, Deputy Acting Returning
        Officer or any other person employed or officially acting for them in connection with any local or United Kingdom parliamentary election, any Police and
        Crime Commissioners Election, or any referendum.
        It is further noted and agreed that the Excess in respect of this Extension is nil.
        The Company will also pay Defence Costs within the Limit of Indemnity.

        Subject to all other terms of the insurance.


        Long Term Agreement [Aspen 132b]
        In consideration of the Insured having undertaken to offer the renewal of this insurance to the Company on the same basic rates and conditions for a
        period of 2 years from 01 April 2015, with the option to extend for a further 12 months from 01 April 2017, and for a further 12 months from 01 April
        2018, and to pay the premium annually, a discount has been allowed in arriving at the premium provided that:-
        i)  the premium shall be subject to revision on a reasonable and proper scale following advice of any alteration that materially affects the subject
            matter of this insurance.
        ii)  the minimum and/or deposit premium may be amended following any alteration in any estimate(s) provided (but the maximum reduction in the
            minimum and deposit premium following any reduction in wages and/or turnover estimates for any subsequent period shall be
        If the Insured fails to adhere to his obligations under this agreement, the Company shall secure damages from the Insured in the sum of the total
        premium that the Company would have been entitled to receive had the Insured adhered to such obligations.
        Subject to all other terms of the insurance.


        Risk Management Bursary
        Upon request, the Company will contribute GBP   towards agreed risk management initiatives implemented during the Period of Insurance.

        Subject to all other terms of the insurance.




























                                                         Page 3 of 3]]></page><page Index="127"><![CDATA[COMBINED LIABILITY INSURANCE

                   Having applied to Aspen Insurance UK Ltd (hereafter known as the Company) for this insurance by a proposal
                   (which shall be the basis of and be incorporated in this contract) and having paid or agreed to pay the Premium, the
                   Insured  will  be  indemnified  by  the  Company  as  detailed  below  in  respect  of  the  Sections  indicated  as  being
                   operative in the Schedule.

                   Section A: Employers’ Liability

                   The  Company  will  indemnify  the  Insured  against  all  sums  which  the  Insured  becomes  legally  liable  to  pay  for
                   damages and claimants’ costs and expenses in respect of Bodily Injury caused to any Employee during the Period
                   of Insurance and arising out of and in the course of employment with the Insured in the Business.

                   The indemnity granted by this Section is deemed to be in accordance with the provisions of any law relating to the
                   compulsory insurance of liability to Employees in Great Britain, Northern Ireland, the Isle of Man and the Channel
                   Islands, but the Insured shall repay to the Company all sums paid by the Company which it would not have been
                   liable to pay but for the provisions of such law.

                   The Company will also pay Defence Costs within the Limit of Indemnity.

                   Extension to Section A

                   Unsatisfied Court Judgements

                   In  the  event  of  a  judgement  for  damages  being  obtained  by  an  Employee  or  the  Employee’s  personal
                   representatives in respect of Bodily Injury caused to such Employee during the Period of Insurance and arising out
                   of and in the course of employment with the Insured in the Business against any company or individual in any court
                   within Great Britain, Northern Ireland, the Isle of Man or the Channel Islands and remaining unsatisfied in whole or
                   in part six months after the date of such judgement, the Company will pay to the Employee or to the Employee’s
                   personal representatives (at the request of the Insured) the amount of such damages and any awarded costs to the
                   extent that they remain unsatisfied.

                   Provided that:-
                   i)     there is no appeal outstanding
                   ii)    if  any  payment  is  made  under  the  terms  of  this  Extension  the  Employee  or  the  Employee’s  personal
                          representatives shall assign the judgement to the Company.

                   Section B: Public Liability

                   The  Company  will  indemnify  the  Insured  against  all  sums  which  the  Insured  becomes  legally  liable  to  pay  for
                   damages and claimants’ costs and expenses arising out of or in connection with

                   i)     accidental Bodily Injury to any person
                   ii)    accidental loss of or damage to tangible property
                   iii)   nuisance, trespass, obstruction or interference with any easement, right of light, air, water or way

                   happening during the Period of Insurance in connection with the Business.

                   The Company will also pay Defence Costs in addition to the Limit of Indemnity.

                  ASPEN LOCAL AUTHORITY COMBINED LIABILITY 2015]]></page><page Index="128"><![CDATA[Extension to Section B

                   Contingent Motor Liability

                   Notwithstanding Additional Exclusions to Section B 5, the Company will indemnify the Insured in respect of liability
                   arising out of the use of any motor vehicle by any Employee in connection with the Business.

                   The Company will not indemnify the Insured in respect of liability:-
                   i)     arising out of loss of or damage to any such motor vehicle or any goods conveyed therein or thereon.
                   ii)    arising out of Bodily Injury or loss of or damage to tangible property caused:-
                          a)    by any motor vehicle owned or provided by the Insured.
                          b)    by  any  motor  vehicle  driven  with  the  general  consent  of  the  Insured  or  a  representative  of  the
                                Insured by any person who to the knowledge of the Insured or a representative of the Insured does
                                not hold a licence to drive such vehicle.
                          c)    outside Great Britain, Northern Ireland, the Isle of Man or the Channel Islands.
                   iii)   which is more specifically insured by any other insurance.


                   Section C: Product Liability

                   The  Company  will  indemnify  the  Insured  against  all  sums  which  the  Insured  becomes  legally  liable  to  pay  for
                   damages and claimants’ costs and expenses arising out of or in connection with

                   i)     accidental Bodily Injury to any person
                   ii)    accidental loss of or damage to tangible property

                   happening during the Period of Insurance in connection with the Business and caused by any Product.

                   The Company will also pay Defence Costs in addition to the Limit of Indemnity.

                   Section D: Pollution Liability

                   The  Company  will  indemnify  the  Insured  against  all  sums  which  the  Insured  becomes  legally  liable  to  pay  for
                   damages and claimants’ costs and expenses arising out of or in connection with

                   i)     accidental Bodily Injury to any person
                   ii)    accidental loss of or damage to tangible property
                   iii)   nuisance, trespass, obstruction or interference with any easement, right of light, air, water or way

                   happening during the Period of Insurance and arising out of Pollution but only to the extent that the Insured can
                   demonstrate that such Pollution was the direct result of a sudden, identifiable, unintended and unexpected incident
                   that takes place in its entirety at a specific time and place.

                   All Pollution which arises out of one incident shall be deemed to have happened at the time such incident takes
                   place.

                   The Company will also pay Defence Costs within the Limit of Indemnity.




                                                                                                            - 2 -
                  ASPEN LOCAL AUTHORITY COMBINED LIABILITY 2015]]></page><page Index="129"><![CDATA[Section E: Officials Indemnity

                   The  Company  will  indemnify  the  Insured  against  all  sums  which  the  Insured  becomes  legally  liable  to  pay  for
                   damages and claimants’ costs and expenses arising out of or in connection any negligent act, error or omission
                   relating to a breach of statutory duty by the Insured providing the claim is first made against the Insured during the
                   Period of Insurance and in connection with the Business.

                   The Company will also pay Defence Costs within the Limit of Indemnity.

                   Section F: Professional Indemnity

                   The  Company  will  indemnify  the  Insured  against  all  sums  which  the  Insured  becomes  legally  liable  to  pay  for
                   damages and claimants’ costs and expenses arising out of or in connection with any

                   i)     advice, design, consultancy, specification or formulae given or undertaken by the Insured
                   ii)    breach of professional duty by the Insured

                   providing the claim is first made against the Insured during the Period of Insurance and in connection with the
                   Business.

                   The Company will also pay Defence Costs within the Limit of Indemnity.

                   Section G: Libel and Slander

                   The  Company  will  indemnify  the  Insured  against  all  sums  which  the  Insured  becomes  legally  liable  to  pay  for
                   damages and claimants’ costs and expenses arising out of or in connection with the publication or utterance of a
                   libel or slander by the Insured providing the claim is first made against the Insured during the Period of Insurance
                   and in connection with the Business.

                   The Company will also pay Defence Costs within the Limit of Indemnity.

                   Section H: Land Charges

                   The  Company  will  indemnify  the  Insured  against  all  sums  which  the  Insured  becomes  legally  liable  to  pay  for
                   damages and claimants’ costs and expenses arising out of or in  connection with any negligent act or omission
                   relating to information provided or made available on questions of fact regarding land, buildings or other records by
                   the Insured providing the claim is first made against the Insured during the Period of Insurance and in connection
                   with the Business.

                   The Company will also pay Defence Costs within the Limit of Indemnity.

                   Section I: Public Health Act

                   The  Company  will  indemnify  the  Insured  against  all  sums  which  the  Insured  becomes  legally  liable  to  pay  for
                   damages and claimants’ costs and expenses arising out of or in connection with loss of earnings by any person as a
                   result  of  compliance  with  any  public  health  legislation  invoked  by  the  Insured  providing  the  claim  is  first  made
                   against the Insured during the Period of Insurance and in connection with the Business.

                   The Company will also pay Defence Costs within the Limit of Indemnity.


                                                                                                            - 3 -
                  ASPEN LOCAL AUTHORITY COMBINED LIABILITY 2015]]></page><page Index="130"><![CDATA[Extension to Sections B and D

                   Defective Premises Act 1972

                   The Company will indemnify the Insured against all liability arising out of Section 3 of the Defective Premises Act
                   1972  or  Section  5  of  the  Defective  Premises  (Northern  Ireland)  Order  1975  in  connection  with  any  Business
                   premises which have been disposed of by the Insured, provided that:-

                   i)     the Company shall not be liable for the cost of remedying any defect or alleged defect in any Business
                          premises disposed of by the Insured.
                   ii)    no indemnity is provided in whole or in part by any other insurance.


                   Extension to All Sections

                   Compensation for Court Attendance

                   In the event of any director, partner or Employee of the Insured attending court as a witness in connection with a
                   claim in respect of which the Insured is entitled to indemnity under this insurance, the Company will compensate the
                   Insured at the following rates for each day on which attendance is required:-

                   i)     any director or officer of the Insured   GBP 500 per day.
                   ii)    any Employee                          GBP 250 per day.

                   Data Protection Act

                   The Company will indemnify the Insured against all sums which the Insured becomes legally liable to pay under
                   Section 13 of the Data Protection Act 1998 in connection with personal data as defined by the said Act held by the
                   Insured, but the Company will not indemnify the Insured for:-

                   i)     the payment of fines or penalties.
                   ii)    the cost of replacing, reinstating, rectifying or erasing any personal data.





























                                                                                                            - 4 -
                  ASPEN LOCAL AUTHORITY COMBINED LIABILITY 2015]]></page><page Index="131"><![CDATA[Exclusions to All Sections

                  The Company will not indemnify the Insured in respect of:-

                  1.      liability arising from any judgement, award or settlement made within countries which operate under the
                          laws of the United States of America or Canada (or from any order made anywhere in the world to enforce
                          such judgement, award or settlement either in whole or in part) unless the Insured has requested that there
                          shall be no such exclusion and has accepted the terms offered by the Company in granting such cover
                          (which offer and acceptance must be signified by specific endorsement to this insurance).

                  2.      liability of whatsoever nature directly or indirectly caused by, contributed to by or arising from:-

                          i)    ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste
                                from the combustion of nuclear fuel.
                          ii)   the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or
                                nuclear component thereof.

                  3.      any consequence, whether direct or indirect, of war, invasion, acts of foreign enemies, hostilities (whether
                          war be declared or not), civil war, rebellion, revolution, insurrection, Act of Terrorism or military or usurped
                          power  but,  under  Section  A,  this  Exclusion  shall  not  operate  in  any  circumstance  where  compulsory
                          insurance  is  required  to  be  effected  by  the  Insured  but  the  Limit  of  Indemnity  shall  be  reduced  to  the
                          minimum amount as required by law.

                  4.      liability arising from or in connection with the handling, removal, stripping out, demolition, transportation or
                          disposal of Notifiable Asbestos.

                          However this Exclusion shall not apply to liability arising from:-

                          i)    the accidental discovery of materials known or suspected to be Notifiable Asbestos.
                          ii)   the investigation of any such suspect materials.

                          Provided always that:-
                          a)    immediately  upon  discovery,  all  handling,  removal,  stripping  out,  demolition,  transportation  or
                                disposal of that which is suspected to be Notifiable Asbestos ceases until the composition of all such
                                materials is established
                          b)    any subsequent handling, removal, stripping out, demolition, transportation or disposal of Notifiable
                                Asbestos is carried out by a licensed contractor on terms which indemnify the Insured for all liability
                                arising out of such work.

                          Asbestos means crocidolite, amosite, chrysotile, fibrous actinolite, fibrous anthophyllite or fibrous tremolite
                          or any mixture containing any of these minerals.

                          Notifiable Asbestos means Asbestos that is required to be handled, removed, stripped out, demolished,
                          transported or disposed of by a licensed contractor.

                  5.      liability  directly  or  indirectly  arising  from  or  in  connection  with  duties  undertaken  by  bona  fide
                          subcontractors working on behalf of the Insured unless all of the following measures are adhered to:-

                          i)    the  Insured  has  established,  maintains  and  records  an  administrative  procedure  for  obtaining
                                evidence that bona fide subcontractors effect Employers’, Public, Products and Pollution  Liability
                                insurance and that such insurance:-
                                                                                                            - 5 -
                  ASPEN LOCAL AUTHORITY COMBINED LIABILITY 2015]]></page><page Index="132"><![CDATA[a)    provides an indemnity for all duties undertaken by the bona fide subcontractor.
                                b)    contains a provision granting indemnity to any principal.
                                c)    contains Limit(s) of Indemnity which are not less than those provided by this insurance.
                          ii)   the Insured has established, maintains and records an administrative procedure for checking that
                                the insurance of the bona fide subcontractor remains in force for the duration of the contract.


                  Additional Exclusions to Section A – Employers’ Liability

                  The Company will not indemnify the Insured in respect of liability:-

                  1.      for Bodily Injury to any Employee when such Employee is:-

                          i)    travelling as a passenger in or on a vehicle
                          ii)   entering or getting on to or alighting from a vehicle

                          owned or operated by the Insured in circumstances where compulsory insurance in respect of the vehicle is
                          required.  However, the Company will indemnify the Insured in respect of liability for Bodily Injury to any
                          Employee whilst such Employee is acting in the capacity of the driver of such vehicle.

                  2.      arising outside Great Britain, Northern Ireland, the Isle of Man or the Channel Islands except in respect of
                          temporary visits by Employees (but the Company will not indemnify the Insured in respect of any medical
                          expenses or repatriation costs incurred during such temporary visits).


                  Additional Exclusions to Section B – Public Liability

                  The Company will not indemnify the Insured against liability arising:-

                  1.      from Bodily Injury caused to any Employee and arising out of and in the course of employment with the
                          Insured.

                  2.      outside  Great  Britain,  Northern  Ireland,  the  Isle  of  Man  or  the  Channel  Islands  except  in  respect  of
                          temporary visits by Employees.

                  3.      from loss of or damage to property owned or hired in by the Insured, or in the care, custody or control of the
                          Insured, other than:-

                          i)    the property of any Employee or visitor.
                          ii)   any  premises  (including  contents  thereof)  not  owned  or  rented  by  the  Insured  but  temporarily
                                occupied by him for the purpose of work therein or thereon.
                          iii)   any premises tenanted by the Insured to the extent that the Insured would be liable in the absence
                                of any specific agreement.

                  4.      from the ownership, possession or use by or on behalf of the Insured of any aircraft, hovercraft, waterborne
                          craft or offshore structure.

                  5.      from the ownership, possession or use by or on behalf of the Insured of any vehicle or trailer other than
                          liability:-




                                                                                                            - 6 -
                  ASPEN LOCAL AUTHORITY COMBINED LIABILITY 2015]]></page><page Index="133"><![CDATA[i)    caused by the use of any tool or plant forming part of or attached to or used in connection with any
                                vehicle or trailer
                          ii)   arising beyond the limits of any carriageway or thoroughfare caused by the loading or unloading of
                                any vehicle or trailer
                          iii)   arising  out  of  any  vehicle  or  trailer  temporarily  in  the  Insured’s  care,  custody  or  control  for  the
                                purpose of parking
                          iv)   caused by the use of any vehicle as a tool of trade

                          and where such liability does not require compulsory motor insurance governing the use of any vehicle or
                          trailer.

                          However, the Company will not indemnify the Insured against liability arising outside Great Britain, Northern
                          Ireland, the Isle of Man or the Channel Islands.

                  6.      from delay in completion of any contract, liquidated damages, penalty clauses or performance warranties.

                  7.      out of the use of any oxy-acetylene or electric welding or power driven cutting or grinding equipment or any
                          blow lamp or blow torch away from the Insured’s own premises.

                  8.      caused by any Product.

                  9.      out of Pollution.

                  10.     out of or in connection with any:-

                          i)    advice, design, consultancy, specification or formulae given or undertaken by the Insured.
                          ii)   breach of professional duty by the Insured.

                  11.     out of or in connection with the publication or utterance of a libel or slander by the Insured.


                  Additional Exclusions to Section C – Product Liability

                  The Company will not indemnify the Insured against liability arising:-

                  1.      from Bodily Injury caused to any Employee and arising out of and in the course of employment with the
                          Insured.

                  2.      in connection with or caused by any Product used with the Insured’s knowledge in, on or attached to any
                          aircraft, hovercraft, waterborne craft or offshore structure.

                  3.      under any contract or agreement unless such liability would have attached in the absence of such contract
                          or agreement.

                  4.      from delay in completion of any contract, liquidated damages, penalty clauses or performance warranties.

                  5.      out of Pollution.

                  6.      out of or in connection with any:-

                          i)    advice, design, consultancy, specification or formulae given or undertaken by the Insured.
                          ii)   breach of professional duty by the Insured.
                                                                                                            - 7 -
                  ASPEN LOCAL AUTHORITY COMBINED LIABILITY 2015]]></page><page Index="134"><![CDATA[7.      out of or in connection with the publication or utterance of a libel or slander by the Insured.

                  8.      in connection with circumstances known to the Insured prior to the inception date of this insurance.

                  9.      from any Product knowingly exported to the United States of America or Canada unless the Insured has
                          requested that there shall be no such exclusion, and has accepted the terms offered by the Company in
                          granting  such  cover  (which  offer  and  acceptance  must  be  signified  by  specific  endorsement  to  this
                          insurance).


                  The Company will not indemnify the Insured:-

                  1.      in respect of loss of or damage to any Product.

                  2.      for the cost of removing, repairing, recalling, rectifying, modifying, replacing or re-applying any Product.


                  Additional Exclusions to Section D – Pollution Liability

                  The Company will not indemnify the Insured against liability arising:-

                  1.      from Bodily Injury caused to any Employee and arising out of and in the course of employment with the
                          Insured.

                  2.      outside Great Britain, Northern Ireland, the Isle of Man or the Channel Islands:-

                          i)    except in respect of temporary visits by Employees
                          ii)   unless caused by any Product

                          but the Company will not indemnify the Insured against liability arising in the United States of America or
                          Canada.

                  3.      from damage to either:-

                          i)    land, water, property or premises, or
                          ii)   land or water within or below the boundaries of any land, property or premises

                          either presently or at any time previously

                                a)    owned or leased by the Insured, or
                                b)    in  the  care,  custody  or  control  of  the  Insured  other  than  land,  water,  property  or  premises
                                      temporarily occupied by the Insured for the purpose of work therein or thereon.

                  4.      i)    from the ownership, possession or use by or on behalf of the Insured of, or
                          ii)   in connection with or caused by any Product used with the Insured’s knowledge in, on or attached to

                          any aircraft, hovercraft, waterborne craft or offshore structure.


                  5.      from the ownership, possession or use by or on behalf of the Insured of any vehicle or trailer other than

                                                                                                            - 8 -
                  ASPEN LOCAL AUTHORITY COMBINED LIABILITY 2015]]></page><page Index="135"><![CDATA[liability:-

                          i)    caused by the use of any tool or plant forming part of or attached to or used in connection with any
                                vehicle or trailer
                          ii)   arising beyond the limits of any carriageway or thoroughfare caused by the loading or unloading of any
                                vehicle or trailer
                          iii)   arising out of any vehicle or trailer temporarily in the Insured’s care, custody or control for the purpose
                                of parking
                          iv)   caused by the use of any vehicle used as a tool of trade

                          and where such liability does not require compulsory motor insurance governing the use of any vehicle or
                          trailer.

                          However, the Company will not indemnify the Insured against liability arising outside Great Britain, Northern
                          Ireland, the Isle of Man or the Channel Islands.

                  6.      from delay in completion of any contract, liquidated damages, penalty clauses or performance warranties.

                  7.      out of the use of any oxy-acetylene or electric welding or power driven cutting or grinding equipment or any
                          blow lamp or blow torch away from the Insured’s own premises.

                  8.      out of or in connection with any:-

                          i)    advice, design, consultancy, specification or formulae given or undertaken by the Insured.
                          ii)   breach of professional duty by the Insured.

                  The Company will not indemnify the Insured:-

                  1.      in respect of loss of or damage to any Product.

                  2.      for the cost of removing, repairing, recalling, rectifying, modifying, replacing or re-applying any Product.


                  Exclusions to Sections E, F, G, H, and I

                  The Company will not indemnify the Insured against liability arising:-

                  1.      outside Great Britain, Northern Ireland, Isle of Man or the Channel Islands except in respect of temporary
                          visits by Employees but the Company will not indemnify the Insured against liability arising in the United
                          States of America or Canada.

                  2.      under any contract or agreement unless liability would have attached in the absence of such contract or
                          agreement.

                  3.      from delay in completion of any contract, liquidated damages, penalty clauses or performance warranties.

                  4.      from conspiracy, conversion, deceit, inducement of breach of contract, injurious falsehood, infringement of
                          patent, breach of copyright, breach of trade mark or trade name.

                  5.      out of any act or omission that is deliberately intended to cause a third party to suffer financial loss.



                                                                                                            - 9 -
                  ASPEN LOCAL AUTHORITY COMBINED LIABILITY 2015]]></page><page Index="136"><![CDATA[6.      out of any circumstance which the Insured was aware of or should have been aware of happening prior to the
                          inception date shown in the Schedule.

                  7.      out of any circumstance happening prior to the Retroactive Date shown in the Schedule.


                  Additional Exclusions to Section E – Officials Indemnity

                  The Company will not indemnify the Insured against liability arising:-

                  1.      from Bodily Injury caused to any person.

                  2.      from loss of or damage to tangible property.

                  3.      in respect of nuisance, trespass, obstruction or interference with any easement, right of light, air, water or
                          way.

                  4.      from  the  ownership,  possession  or  operation  by  or  on  behalf  of  the  Insured  of  any  aircraft,  hovercraft,
                          waterborne craft or offshore structure.

                  5.      from the ownership, possession or operation by or on behalf of the Insured of any vehicle or trailer other than
                          liability:-

                          i)     caused by the use of any tool or plant forming part of or attached to or used in connection with any
                                 vehicle or trailer
                          ii)    arising beyond the limits of any carriageway or thoroughfare caused by the loading or unloading of
                                 any vehicle or trailer
                          iii)   arising  out  of  any  vehicle  or  trailer  temporarily  in  the  Insured’s  care,  custody  or  control  for  the
                                 purpose of parking
                          iv)    caused by the use of any vehicle as a tool of trade

                          and where such liability does not require compulsory motor insurance governing the use of any vehicle or
                          trailer.

                          However, the Company will not indemnify the Insured against liability arising outside Great Britain, Northern
                          Ireland, the Isle of Man or the Channel Islands.

                  6.      out of or in connection with any:-

                          i)    advice, design, consultancy, specification or formulae given or undertaken by the Insured.
                          ii)   breach of professional duty by the Insured.

                  7.      in  respect  of  the  cost  of  removing,  repairing,  recalling,  rectifying,  modifying,  replacing  or  re-applying  any
                          Product or making good any faulty or inadequate workmanship performed by or on behalf of the Insured.

                  8.      which is inevitable having regard to the circumstances and nature of the work undertaken or the Product
                          supplied.

                  9.      out of the failure of any computer data processing equipment or media microchip, integrated circuit or similar
                          device or any computer software to correctly recognise the date as its true calendar date.



                                                                                                           - 10 -
                  ASPEN LOCAL AUTHORITY COMBINED LIABILITY 2015]]></page><page Index="137"><![CDATA[10.     out of any fraudulent or dishonest act.

                  11.     out of or in connection with the publication or utterance of a libel or slander by the Insured.


                  Additional Exclusions to Section F – Professional Indemnity

                  The Company will not indemnify the Insured against liability arising:-

                  1.      from  the  ownership,  possession  or  operation  by  or  on  behalf  of  the  Insured  of  any  aircraft,  hovercraft,
                          waterborne craft or offshore structure.

                  2.      from the ownership, possession or operation by or on behalf of the Insured of any vehicle or trailer other than
                          liability:-

                          i)     caused by the use of any tool or plant forming part of or attached to or used in connection with any
                                 vehicle or trailer
                          ii)    arising beyond the limits of any carriageway or thoroughfare caused by the loading or unloading of
                                 any vehicle or trailer
                          iii)   arising  out  of  any  vehicle  or  trailer  temporarily  in  the  Insured’s  care,  custody  or  control  for  the
                                 purpose of parking
                          iv)    caused by the use of any vehicle as a tool of trade

                  3.      in  respect  of  the  cost  of  removing,  repairing,  recalling,  rectifying,  modifying,  replacing  or  re-applying  any
                          Product or making good any faulty or inadequate workmanship performed by or on behalf of the Insured.

                  4.      out of or in connection with any negligent act, error or omission relating to a breach of statutory duty by the
                          Insured.

                  5.      which is inevitable having regard to the circumstances and nature of the work undertaken or the Product
                          supplied.

                  6.      out of the failure of any computer data processing equipment or media microchip, integrated circuit or similar
                          device or any computer software to correctly recognise the date as its true calendar date.

                  7.      out of any fraudulent or dishonest act.

                  8.      out of or in connection with the publication or utterance of a libel or slander by the Insured.


                  Additional Exclusions to Section G – Libel and Slander

                  The Company will not indemnify the Insured against liability arising:-

                  1.      out of or in connection with any:-

                          i)    advice, design, consultancy, specification or formulae given or undertaken by the Insured.
                          ii)   breach of professional duty by the Insured.

                  2.      out of or in connection with any negligent act, error or omission relating to a breach of statutory duty by the
                          Insured.

                                                                                                           - 11 -
                  ASPEN LOCAL AUTHORITY COMBINED LIABILITY 2015]]></page><page Index="138"><![CDATA[3.      out of any punitive or exemplary damages.


                  Additional Exclusions to Section H – Land Charges

                  The Company will not indemnify the Insured against liability arising:-

                  1.      out of or in connection with any:-

                          i)    advice, design, consultancy, specification or formulae given or undertaken by the Insured.
                          ii)   breach of professional duty by the Insured.

                  2.      out of or in connection with any negligent act, error or omission relating to a breach of statutory duty by the
                          Insured.

                  3.      out of any punitive or exemplary damages.




































                                                                                                           - 12 -
                  ASPEN LOCAL AUTHORITY COMBINED LIABILITY 2015]]></page><page Index="139"><![CDATA[DEFINITIONS

                  1.
                  Act of
                  Terrorism        "Act of Terrorism" means an act including, but not limited to, the use of force or violence and/or the
                                   threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in
                                   connection with any organisation(s) or government(s) committed for political, religious, ideological or
                                   similar purposes including the intention to influence any government and/or to put the public, or any
                                   section of the public, in fear.

                  2.
                  Bodily Injury    "Bodily  Injury"  includes  death,  injury,  illness,  disease,  false  arrest,  imprisonment,  false  eviction,
                                   mental injury, mental anguish, distress and nervous shock.

                  3.
                  Business         As set out in the proposal and described in the attached Schedule which includes:-

                                   i)     the  ownership,  repair,  maintenance  and  decoration  of  the  Insured’s  property  and  the
                                          provision and management of first aid, fire, security and ambulance services.
                                   ii)    the provision and management of catering, social, sports or welfare organisations primarily
                                          for the benefit of Employees.
                                   iii)   participation in exhibitions.
                                   iv)    private work undertaken by an Employee for any director or officer of the Insured.
                                   v)     the service or repair of the Insured’s own vehicles.

                  4.
                  Defence
                  Costs            "Defence  Costs"  means  all  costs  and  fees  and  expenses  incurred  with  the  Company’s  written
                                   consent  in  the  defence  or  settlement  of  any  claim  for  which  an  indemnity  is  provided  by  this
                                   insurance including legal expenses:-

                                   i)     incurred by the Insured arising out of any prosecution of the Insured for breach or alleged
                                          breach of Part 1 of the United Kingdom Health and Safety at Work etc Act 1974 (or similar
                                          European safety legislation) and the Consumer Protection Act 1987, the Data Protection
                                          Act 1998, the Food Safety Act 1990 or the Disability Discrimination Act 1995  relating to
                                          a)      if Section A of this insurance is operative, matters affecting the safety, health
                                                  and welfare of any Employee
                                          b)      if Section B of this insurance is operative, matters affecting the safety, health
                                                  and welfare of any person other than any Employee (but excluding legal fees
                                                  and expenses arising from a breach of Section 6 of the Act unless Section C of
                                                  this insurance is operative)
                                   ii)    arising out of representation at any coroner’s inquest or fatal accident enquiry.
                                   iii)   arising out of the defence of any proceedings in a Court of Summary Jurisdiction in respect
                                          of  matters  which  may  form  the  subject  of  indemnity  under  this  insurance  including  the
                                          defence of any charge of manslaughter.

                                   provided that the Company shall not be liable for any fines or penalties imposed as a consequence
                                   of any such prosecution.

                                                                                                           - 13 -
                  ASPEN LOCAL AUTHORITY COMBINED LIABILITY 2015]]></page><page Index="140"><![CDATA[Any consent given by the Company in relation to incurring Defence Costs shall cease if opinion is
                                   obtained from instructed solicitors or counsel stating that any of the following apply:-

                                   a)     there is no reasonable prospect of a defence to a prosecution relating to i), ii) or iii) above.
                                   b)     the defence of any such prosecution ceases to be relevant to the defence of any claim for
                                          damages for which an indemnity is provided by this insurance.
                                   c)     the  prosecution  relates  to  a deliberate  act  or omission  that  is intended  to  cause  Bodily
                                          Injury.

                  5.
                  Employee         "Employee"  means  any  person  under  a  contract  of  service  or  apprenticeship  with  the  Insured
                                   including:-

                                   i)     any labour master or any person supplied by him
                                   ii)    any person employed by any labour only sub-contractor
                                   iii)   any self-employed person
                                   iv)    any person hired to or borrowed by the Insured for the provision of their labour only
                                   v)     any person undertaking study or work experience or on any related scheme

                                   whilst engaged by and under the direct control and supervision of the Insured in connection with the
                                   Business.

                  6.
                  Insured          At the request of the Insured, the "Insured" includes:-

                                   i)     any principal, landlord, lessor, hirer or any other party as may be required by contract
                                   ii)    any party for whom the Insured is carrying out a contract away from the Insured’s own
                                          premises
                                   iii)   any director or partner of the Insured
                                   iv)    any Employee
                                   v)     any officer or member of the Insured’s catering, social, sports or welfare organisations, first
                                          aid, fire, security or ambulance services
                                   vi)    any Official
                                   vii)   the Insured’s executor in the event of the death of the Insured
                                   viii)   any Employee or director or any accompanying spouse whilst overseas in the course of the
                                          Business and acting in a personal capacity

                                   but  (other  than  in  respect of viii))  only  in  respect  of liability  for  which  the  Insured  named  in  the
                                   Schedule would have been entitled to indemnity under this insurance if the claim had been made
                                   directly against the Insured.

                  7.
                  Official         "Official" means any individual not under a contract of service or apprenticeship with the Insured but
                                   who is appointed or elected to carry out the Insured’s duties.

                  8.
                  Offshore         In respect of Section A, an Employee is deemed "Offshore" during the period of time commencing
                                   when such Employee embarks on to a conveyance at the point of final departure to an offshore rig
                                   or offshore platform and terminating when such Employee disembarks from the conveyance on to
                                   land upon his return from an offshore rig or offshore platform.

                  9.
                                                                                                           - 14 -
                  ASPEN LOCAL AUTHORITY COMBINED LIABILITY 2015]]></page><page Index="141"><![CDATA[Pollution        "Pollution" means:-
                                   i)     the contamination of the atmosphere or of any water, land or other tangible property by any
                                          pollutant (which shall include any solid, liquid, gaseous or thermal irritant or contaminant
                                          including smoke, vapour, soot, fumes, odour, chemical, waste or disease carrying water
                                          droplet).
                                   ii)    the ingestion or inhalation of any noxious substance or any pollutant by any person.

                  10.
                  Product          "Product"  means  any  product  or  goods  manufactured,  constructed,  installed,  altered,  repaired,
                                   serviced, processed, treated, sold, leased, supplied or distributed by or on behalf of the Insured from
                                   or  within  Great  Britain,  Northern  Ireland,  the  Isle  of  Man  or  the  Channel  Islands  (including  any
                                   advice, design, consultancy, plan, specification, formulae, labelling, packing or instructions for use
                                   given in connection therewith) but only after such item has left the Insured’s care, custody or control.





























































                                                                                                           - 15 -
                  ASPEN LOCAL AUTHORITY COMBINED LIABILITY 2015]]></page><page Index="142"><![CDATA[CONDITIONS

                  1.
                  Interpretation   This wording and Schedule shall be read together as one contract and any word or expression to
                                   which a specific meaning has been attached in any part of this wording or Schedule shall bear
                                   such specific meaning wherever it may appear.

                  2.
                  Precautions      The Insured shall take all reasonable precautions to prevent loss, damage or Bodily Injury and
                                   shall  maintain  all  buildings,  furnishings,  ways,  works,  machinery,  plant  and  vehicles  in  sound
                                   condition.  The Insured shall make good or remedy any defect or danger as soon as practicable.

                  3.
                  Alterations      The  Insured  shall  give  notice  to  the  Company  as  soon  as  practicable  of  any  alteration  that
                                   materially affects the subject matter of this insurance.

                  4.
                  Cancellation     The Company may cancel this insurance by sending thirty days’ written notice to the Insured at the
                                   Insured’s  last  known  address  whereupon  the  Insured  shall  be  entitled  to  a  refund  of  a
                                   proportionate part of the Premium subject always to Condition 6.

                  5.
                  Claims
                  Procedure        It is a condition precedent to indemnity that:-

                                   i)   the Insured shall give to the Company immediate written notice with full particulars of:-
                                        a)    any occurrence which may give rise to a claim for indemnity under this insurance.
                                        b)    (i)   any Employee Bodily Injury related absence of more than three working days
                                                    duration or
                                              (ii)   any disease contracted by any Employee
                                              but only providing such Bodily Injury or disease has arisen or is alleged to have
                                              arisen out of and in the course of employment with the Insured
                                        c)    any impending prosecution, coroner’s inquest or fatal accident enquiry in connection
                                              with  any  occurrence  which  may  give  rise  to  a  claim  for  indemnity  under  this
                                              insurance
                                   ii)   every letter, claim, writ, summons or process in connection with any occurrence which may
                                        form  the  subject  of  indemnity  hereunder shall  be  notified or  forwarded  to  the  Company
                                        immediately upon receipt
                                   iii)   the Insured shall neither admit liability for nor agree to settle or repudiate any claim without
                                        the  written  consent  of  the  Company.    The  Company  shall  be  entitled  to  conduct  the
                                        defence of any claim in the name of the Insured and to prosecute in the Insured’s name for
                                        the Company’s benefit any claim for indemnity against any third party and shall have full
                                        discretion in the conduct of any negotiations and proceedings and the settlement of any
                                        claim
                                   iv)   the Insured shall give to the Company all such information and assistance as the Company
                                        may reasonably require
                                   v)   the  Insured shall  at  all  times,  in  addition  to  their  obligations  set  out  above, afford such
                                        information to and co-operation with the Company or their appointed agents to allow the
                                        Company  to  be  able  to  comply  with  such  relevant  Practice  Directions  and  Pre-Action
                                        Protocols as may be issued and approved from time to time by the Head of Civil Justice

                                                                                                           - 16 -
                  ASPEN LOCAL AUTHORITY COMBINED LIABILITY 2015]]></page><page Index="143"><![CDATA[and failure to comply in full will result in the Company not providing an indemnity for any related
                                   claim.

                                   In addition,

                                   vi)   the Company may at any time pay to the Insured the Limit of Indemnity (after deducting
                                        any sums already paid) or any less amount for which any claim or claims can be settled
                                        and  thereafter  the  Company  shall  have  no  further  liability  under  this  insurance  in
                                        connection with such claim or claims except for Defence Costs incurred prior to the date of
                                        payment.
                                   vii)   for the purpose of Condition 5, "the Company" also means any loss adjuster nominated by
                                        the Company and acting on behalf of the Company.

                  6.
                  Adjustment       If any part of the Premium has been calculated on wageroll and/or turnover estimates given by the
                                   Insured, the Insured shall:-

                                   i)   keep  an  accurate  record  containing  all  relevant  particulars  and  allow  the  Company  to
                                        inspect such record at any time.
                                   ii)   within one month from the expiry of the Period of Insurance provide to the Company all
                                        such relevant particulars of the actual wageroll and/or turnover and the Premium for the
                                        Period of Insurance shall then be adjusted and the difference paid by or allowed to the
                                        Insured subject to any minimum premium that may apply.

                                   The  Company  may  require  that  such  particulars  are  confirmed  by  the  Insured’s  accountant  or
                                   auditor or any other party as may be nominated by the Company.

                                   The term wageroll is deemed to be the total gross remuneration paid to all Employees during the
                                   Period of Insurance.

                  7.
                  Other
                  Insurance        If an indemnity is granted in whole or in part by any other insurance, the liability of the Company
                                   hereunder shall apply as excess of, and not as contributory with, such other insurance.

                  8.
                  Fraud            If  the  Insured  shall  make  any  claim  knowing  such  claim  to  be  false  or  fraudulent  as  regards
                                   amount or otherwise, this insurance shall become void and the Company shall cease to deal with
                                   all claims hereunder and shall be entitled to reimbursement of all claims paid (including all costs
                                   and expenses).

                  9.
                  Disputes         This insurance is governed by the laws of England and Wales and the courts of England and
                                   Wales shall have exclusive jurisdiction in relation to any dispute about or in connection with this
                                   insurance.

                  10.
                  Limit            The  liability  of  the  Company  shall  not  exceed  the  Limit  of  Indemnity  stated  in  the  Schedule
                                   provided that under Sections B and C:-

                                   i)   in the event of the Company requiring any claims(s) to be contested by the Insured, the
                                        Company will, in addition, pay all Defence Costs in connection therewith.
                                                                                                           - 17 -
                  ASPEN LOCAL AUTHORITY COMBINED LIABILITY 2015]]></page><page Index="144"><![CDATA[ii)   if a payment exceeding the Limit of Indemnity has to be made by the Insured to dispose of
                                        a claim, the liability of the Company to pay any Defence Costs in connection therewith shall
                                        be limited to such proportion of the Defence Costs as the Limit of Indemnity bears to the
                                        amount paid to dispose of the claim.

                  11.
                  Defence
                  Costs            In the event of a loss arising to which the Company may be liable to contribute, no Defence Costs
                                   shall be incurred on its behalf without its written consent being first obtained.

                  12.
                  Multiple
                  Insureds         The  inclusion  in  the  Schedule  of  more  than  one  Insured  shall  not  increase  the  liability  of  the
                                   Company under this insurance.  If two or more such Insureds are involved in the same incident,
                                   such  incident  shall  be  treated  as  a  single  occurrence  for  the  purpose  of  indemnity  under  this
                                   insurance.

                  13.
                  Cross
                  Liabilities      Other than in respect of Sections E, F, G, H and I, each person or party specified as the Insured in
                                   the Schedule is separately indemnified in respect of claims made against any of them by any
                                   other.

                  14.
                  Observance       The liability of the Company shall be conditional on the observance by the Insured of the terms of
                                   this insurance.








































                                                                                                           - 18 -
                  ASPEN LOCAL AUTHORITY COMBINED LIABILITY 2015]]></page><page Index="145"><![CDATA[Aspen Complaint Procedure

                  If at any time the Insured has a complaint regarding this insurance then the matter should be raised first with the
                  Insured’s broker or intermediary or advisor.

                  If they are unable to resolve the complaint then the Insured may refer the matter to the Company in writing detailing
                  the nature of the complaint and should include copies of the Schedule and policy wording and any other relevant
                  information to:

                  The Compliance Officer
                  Aspen Insurance UK Ltd
                  30 Fenchurch Street
                  London
                  EC3M 3BD

                  Or by phone: 020 7184 8402

                  Or by fax: 020 7184 8500

                  Or by e-mail: complaints@aspen-insurance.com

                  A copy of the Company’s internal complaint handling procedure is available on request.

                  In the event that the Company is unable to resolve the matter to the Insured’s satisfaction, the Insured may, if
                  eligible, be entitled to refer it to the Financial Ombudsman Service.



























                                                                                                           - 19 -
                  ASPEN LOCAL AUTHORITY COMBINED LIABILITY 2015]]></page><page Index="146"><![CDATA[LOCAL AUTHORITY COMBINED LIABILITY SCHEDULE
                                                            .

        Policy Number         I0A5UYT18A0H / I0A5UYT18B0H                   Broker     JLT Speciality Ltd


        Insured               LONDON BOROUGH OF ENFIELD                     Employer Reference Number(s)  120/B32
        Subsidiary Companies  None

        Address               CIVIC CENTRE
                              SILVER STREET
                              ENFIELD
                              MIDDLESEX
                              EN1 3XF

        Business              Unitary Authority
        Wording               Aspen Local Authority Combined Liability 2015

        Period of Insurance   1 April 2018    to    31 March 2019  both days inclusive


        LIMIT OF INDEMNITY
                Section       Operative  Limit
        A   Employers’ Liability  YES   GBP       25,000,000  any one occurrence.
                                       (but GBP 5,000,000
                                       in respect of Offshore)
        B   Public Liability  YES      GBP        25,000,000  any one occurrence.
        C   Product Liability  YES     GBP        25,000,000  in all in the Period of Insurance.
        D   Pollution Liability  YES   GBP        25,000,000  in all in the Period of Insurance.
        E   Officials Indemnity  YES   GBP        10,000,000  in all in the Period of Insurance.
        F   Professional Indemnity  YES   GBP       1,000,000  in all in the Period of Insurance.
        G   Libel and Slander  YES     GBP          5,000,000  in all in the Period of Insurance.
        H   Land Charges      YES      GBP        10,000,000  in all in the Period of Insurance.
        I   Public Health Act  YES     GBP             100,000  in all in the Period of Insurance.

        PREMIUM

                Section         Minimum & Deposit  Method of Calculation                       Plus 12% IPT
        A   Employers’ Liability  GBP           Adjustable at    on Total wages GBP            GBP
        B   Public Liability  GBP               Adjustable at    on Total wages GBP            GBP
        C   Product Liability  Included in B
        D   Pollution Liability  Included in B
        E   Officials Indemnity  GBP            Adjustable at    on Total wages (for limits up to and including  GBP
                                                GBP       ) GBP
                              GBP               In full for any limit in excess of GBP         GBP
        F   Professional Indemnity  Included in B
        G   Libel and Slander  Included in B
        H   Land Charges      Included in B
        I   Public Health Act  Included in B


        In full premium GBP   for the following limits:
            Officials Indemnity  GBP      XS GBP
            Libel and Slander  GBP       XS GBP
            Land Charges      GBP         XS GBP






                                                         Page 1 of 3]]></page><page Index="147"><![CDATA[LOCAL AUTHORITY COMBINED LIABILITY SCHEDULE
                                                            .

        Policy Number         I0A5UYT18A0H / I0A5UYT18B0H                   Broker     JLT Speciality Ltd


        EXCESS
                Section       Excess
        A   Employers’ Liability  GBP     500,000 each and every claim inclusive of costs and expenses.
        B   Public Liability  GBP         500,000 each and every claim inclusive of costs and expenses.
        C   Product Liability  GBP        500,000 each and every claim inclusive of costs and expenses.
        D   Pollution Liability  GBP      500,000 each and every claim inclusive of costs and expenses.  Combined Liability
        E   Officials Indemnity  GBP      500,000 each and every claim inclusive of costs and expenses.  Aggregate Stop of
        F   Professional Indemnity  GBP   500,000 each and every claim inclusive of costs and expenses.  GBP
        G   Libel and Slander  GBP        500,000 each and every claim inclusive of costs and expenses.
        H   Land Charges      GBP         500,000 each and every claim inclusive of costs and expenses.
        I   Public Health Act  GBP        500,000 each and every claim inclusive of costs and expenses.

        The Insured shall be responsible for the first amount of each and every claim or series of claims arising from one source or original cause as indicated
        in the Excess.  The amount shown is inclusive of all costs, expenses and fees (other than the fees of Company’s nominated loss adjuster) incurred in
        the investigation, defence or settlement of any claim.  The Company may require the Excess to be paid at any time during the investigation, defence or
        settlement of any claim.  Notwithstanding this Excess, the Insured shall comply with Condition 5. Claims Procedure as if no Excess applied.  A “claim”
        is deemed to be any notification forwarded to the Company in accordance with Condition 5. Claims Procedure.


        RETROACTIVE DATE

                Section
        E   Officials Indemnity  01 April 2004
        F   Professional Indemnity  01 April 2010
        G   Libel and Slander  01 April 2004
        H   Land Charges      01 April 2004
        I   Public Health Act  01 April 2004


        MEMORANDA ATTACHING TO THE POLICY

        Data Protection Act – Amendment to Limit of Indemnity
        Election Indemnity Extension (162a)
        Long Term Agreement Clause (No Discount) (Jan 2010) (132b)
        Risk Management Bursary

        ENDORSEMENTS
        Data Protection Act – Amendment to Limit of Indemnity

        Extension to All Sections
        Data Protection Act is amended to read as follows:

        The Company will indemnify the Insured against all sums which the Insured becomes legally liable to pay under Section 13 of the Data Protection Act
        1998 in connection with personal data as defined by the said Act held by the Insured, but the Company will not indemnify the Insured for:-

        i)  the payment of fines or penalties.
        ii)  the cost of replacing, reinstating, rectifying or erasing any personal data.
        iii)  in respect of Sections E, G and H respectively, any Limit of Indemnity in excess of GBP 2,000,000.
        Subject to all other terms of the insurance.









                                                         Page 2 of 3]]></page><page Index="148"><![CDATA[LOCAL AUTHORITY COMBINED LIABILITY SCHEDULE
                                                            .

        Policy Number         I0A5UYT18A0H / I0A5UYT18B0H                   Broker     JLT Speciality Ltd


        Election Indemnity Extension [Aspen 162a]
        Extension to Section E: Officials’ Indemnity

        The Company will also indemnify the Insured against all sums which the Insured becomes legally liable to pay for damages and claimant’s costs and
        expenses arising out of or in connection with any accidental breach of duty by any Returning Officer, Acting Returning Officer, Deputy Acting Returning
        Officer or any other person employed or officially acting for them in connection with any local or United Kingdom parliamentary election, any Police and
        Crime Commissioners Election, or any referendum.
        It is further noted and agreed that the Excess in respect of this Extension is nil.
        The Company will also pay Defence Costs within the Limit of Indemnity.

        Subject  to all other terms of the insurance.


        Long Term Agreement [Aspen 132b]
        In consideration of the Insured having undertaken to offer the renewal of this insurance to the Company on the same basic rates and conditions for a
        period of 2 years from 01 April 2015, with the option to extend for a further 12 months from 01 April 2017, and for a further 12 months from 01 April
        2018, and to pay the premium annually, a discount has been allowed in arriving at the premium provided that:-
        i)  the premium shall be subject to revision on a reasonable and proper scale following advice of any alteration that materially affects the subject
            matter of this insurance.
        ii)  the minimum and/or deposit premium may be amended following any alteration in any estimate(s) provided (but the maximum reduction in the
            minimum and deposit premium following any reduction in wages and/or turnover estimates for any subsequent period shall be   ).
        If the Insured fails to adhere to his obligations under this agreement, the Company shall secure damages from the Insured in the sum of the total
        premium that the Company would have been entitled to receive had the Insured adhered to such obligations.
        Subject to all other terms of the insurance.


        Risk Management Bursary
        Upon request, the Company will contribute GBP   towards agreed risk management initiatives implemented during the Period of Insurance.

        Subject to all other terms of the insurance.




























                                                         Page 3 of 3]]></page><page Index="149"><![CDATA[QBE European Operations

                 Public Authority Combined Liability Insurance (UK)
                                                     Schedule



          Public Authority:            London Borough of Enfield

          Address:                     Civic Centre, Silver Street, Enfield, London, EN1 3XN

          Business:                    London Borough

          Policy Number:               Y129076QBE0119A

          Policy Wording Reference:    PPBL010119
                                       Cover is provided by the policy wording as above and the endorsements detailed
                                       below.

          Period of Insurance          From: 01 April 2019           To: 31 March 2020
                                       both days inclusive Greenwich Mean Time and for such further period or periods
                                       as may be mutually agreed upon.

          Date Issued:                 12 April 2019            Issue Number:           2
          Reason for Issue:            Revised Endorsement 002

          Insurer:                     QBE UK Limited (registered in England number 01761561; Home State - United
                                       Kingdom.   Authorised by the Prudential Regulation Authority and regulated by
                                       the Financial Conduct Authority and the Prudential Regulation Authority.;
                                       registration number 202842)

          Registered Address:          Plantation Place, 30 Fenchurch Street, London, EC3M 3BD
                                       Tel: + 44 (0) 20 7105 4000   Fax: + 44 (0) 20 7105 4019

          Contact Details
          Issue Office:                London

          Claim Notification:          Gallagher Bassett International

          Complaints:                  Customer Relations
                                       Plantation Place, 30 Fenchurch Street, London, EC3M 3BD
                                       Tel: + 44 (0) 20 7105 4000   Fax: + 44 (0) 20 7105 4032
                                       Email: CustomerRelations@uk.qbe.com






















                                                                                                 Page 1 of 12]]></page><page Index="150"><![CDATA[Cover Applicable

               The figures below apply other than where specifically stated to the contrary within an appendix of this
               Schedule or within a particular insured section of the policy.

                                                                                                       Non-
               Insured
              sections                  Limit / Sub-limit of indemnity                Retention      ranking
                                                                                                     excess
                             Limit of indemnity – GBP 50,000,000 any one occurrence
           A -               Including sub-limits of indemnity for:                   GBP 500,000       Nil
           Employers’        Offshore work
           Liability                          Not Insured                               any one       any one
                                                                                          claim
                                                                                                       claim
                             War and          GBP 50,000,000 any one occurrence
                              terrorism
                                                                                      GBP 500,000       Nil

                             Limit of indemnity – GBP 50,000,000 any one occurrence
                                                                                        any one       any one
                                                                                          claim        claim
                                                                                      GBP 500,000       Nil
           B -  Public                        GBP 10,000,000 any one claim or
           Liability         Data Protection   prosecution and in the aggregate         any one       any one
                                                                                          claim        claim
                                                                                      GBP 500,000       Nil
                             Libel or slander   GBP 5,000,000 any one claim or series of
                             (or defamation)   claims and in the aggregate              any one       any one
                                                                                          claim        claim
                                                                                      GBP 500,000       Nil
           C - Products      Limit of indemnity – GBP 50,000,000 any one occurrence
           liability         and in the aggregate                                       any one       any one
                                                                                          claim        claim
                                                                                      GBP 500,000       Nil
           D - Pollution
           liability         Limit of indemnity – GBP 50,000,000 any one occurrence     any one       any one
                                                                                          claim        claim
           E - Coverage                                                                                 Nil
                                                                                          Not

           extensions to     Hirers’ liability   Not Insured                           Applicable     any one
                             extension
           B, C, and D                                                                                 claim

           Combined  single limit  Insured sections         GBP 50,000,000 any one insured event
           B, C and D


           F- Premises
           environmental       Not insured                                                Not           Not
           liability                                                                   Applicable    Applicable












                                                                                                 Page 2 of 12]]></page><page Index="151"><![CDATA[Condition - Aggregate stop limit: GBP

               The non-ranking excess means the first amount payable by the insured in respect of each and every
               occurrence, claim or potential claim including any defence costs made against the insured, and all
               such payments are excluded from this insurance.   The non-ranking excess applies to any one claim
               and the meaning of “any one claim” is to be construed in accordance with the description given in the
               definitions of retention and series of claims in the policy.  The limit of indemnity by this policy is
               additional to the non-ranking excess which shall stand at:
               GBP Nil
               In addition the insured will pay the first amount of any covered loss as retention but the maximum
               amount for which the insured is responsible during any one period of insurance in respect of all
               amounts payable as retention will not exceed the figure shown above as the Aggregate stop limit.
               The amounts payable as non-ranking excess will not contribute to the Aggregate stop limit

               Further the Aggregate stop limit under this  policy  is shared with and eroded in like  manner by
               payments under the following coverages:

               Officials Indemnity – 037499/01/2019/0180
               Professional Indemnity – 037803/01/2019/0167

               Upon exhaustion of the Aggregate stop limit the insurer will reimburse the insured for subsequent
               loss payments within this retention but the non-ranking excess will stand at:

               GBP         in respect of Officials Indemnity and Professional Indemnity only













































                                                                                                 Page 3 of 12]]></page><page Index="152"><![CDATA[Annual Premium


                   Insured Sections A - E

                   Payment of the premium as specified below will be deemed acceptance by the public authority
                   of the policy terms.

                     Minimum and Deposit                      GBP

                     Insurance Premium Tax at 12%             GBP

                     Total Payable                            GBP






























               Signed on behalf of the insurer


















                                                                                                 Page 4 of 12]]></page><page Index="153"><![CDATA[Claims Handling Authority

               With regard to Clause 9 ‘Duties in the event of a claim or potential claim’ of this policy any reference
               to the  insurer  shall be deemed to include any party authorised to  handle claims on the insurer’s
               behalf.
               The insurer has authorised Gallagher Bassett International Limited to handle claims on the insurer’s
               behalf in respect of this policy.

               In-House Claims Handling Agreement including conditions and reporting requirements

               The insurer has agreed that the  public authority  may  handle claims that may be subject to an
               indemnity under this policy but limited to:

               Third Party Property Damage claims under Insured section B up to a Claims
               Handling Limit of GBP               any one insured event subject to a Notification
               Threshold of GBP            any one insured event

               and is granted subject to the following provisions:

               i)   the extent of this In-House Claims Handling Agreement is limited to
                    (a)  setting raising or amending appropriate reserves  without the consent of the  insurer  to a
                        Maximum Value of no more than the Claims Handling Limit shown above in respect of all
                        claims relating to any one insured event provided that;
                        (1)  no suit or legal proceedings have been filed against the insurer
                        (2)  no policy liability question is involved;
                    (b)  appointing any professional services which have been approved in writing by the insurer
                        prior to appointment in relation to claims which fall within the scope of item (a) above;
                    (c)  handling and settling any claim falling within the scope of item (a) above without the consent
                        of the insurer to a Maximum Value of no more than the Claims Handling Limit shown above
                        in respect of all claims relating to any one insured event.

               ii)   Maximum Value relates to the total financial value of the claim making no deductions for liability,
                    contributory negligence, unsecured recoveries, deductible, excess or other form of self insured
                    retentions.

               iii)  all claims falling outside the extent of this In-House Claims Handling Agreement must be
                    reported in accordance with policy conditions.

               iv)  in any event as soon as the public authority has become aware
                    (a)  of any claim where the Maximum Value reaches or exceeds any Notification  Threshold
                        shown above

                    (b)  that one of the following injury types has occurred
                        (1)  a fatality
                        (2)  an amputation of a major extremity
                        (3)  any serious head injury (including skull fracture or loss of sight of either or both eyes)
                        (4)  any injury to the spinal cord
                        (5)  any disability where it appears reasonably likely that there will be a disability of more
                            than one year
                        (6)  any second or third degree burn of 25% or more of the body
                        (7)  occupational disease
                        (8)  chronic pain syndrome or related disorders


                                                                                                 Page 5 of 12]]></page><page Index="154"><![CDATA[(c)  of any insured event involving any of the following
                        (1)  sexual or physical abuse
                        (2)  libel, slander and defamation
                        (3)  any claim that could be decided by courts representing jurisdictions outside of England,
                            Wales, Scotland and Northern Ireland
                        (4)  any claim where  we are  alleging fraud  in the defence of a claim or  where there  is
                            evidence of serious organised crime.
                        (5)  any claim involving pollution

                    the public authority will supply full details of the claim in writing to the insurer together with any
                    evidence and information that may be required by the insurer for the purpose of investigating or
                    verifying the claim.

               v)      it is a condition of this In-House Claims Handling Agreement that

                    (a)  the public authority shall provide to the insurer such information as the insurer requires
                        about the claims it is handling under this In-House Claims Handling Agreement irrespective
                        of status on a 6 monthly basis or at any other such time as the insurer shall reasonably
                        require. Prior to the granting of this In-House Claims Handling Agreement the insurer will
                        provide the public authority with details in writing of such information it requires in relation
                        to all claims handled by the public authority;
                    (b)  the insurer or its authorised representatives shall have access to all records and data on
                        any media relating to any or all claims the public authority is handling under this In-House
                        Claims Handling Agreement provided that the insurer or its authorised representatives give
                        no less than seven days’ notice in writing of their intention to access such records and data;
                    (c)  the  insurer  reserves the  right to  audit the in  house handled files  and any  associated
                        operational aspects as required by them;
                    (d)  the insurer reserves the right to take over the handling of any claim where the reporting
                        criteria identified in iv) above are met.

               vi)  this In-House Claims Handling  Agreement is provided subject to the  public authority
                    maintaining the following:

                    (a)  A team of competent and experienced Claims Handlers with sufficient capacity to maintain
                        an efficiency of workloads.
                    (b)  Appropriate claims management systems which can achieve the quality of service required,
                        including staffing numbers.
                    (c)  Robust Claims Management systems which can record the claims management information
                        in a manner acceptable to us.  This means recording the claims records on a ‘policy year
                        basis’  by coverage and the ability to meet the minimum data return requirements set out
                        above.

                    At all times the insurer retains the right to inspect and challenge any of the above aspects.

               vii)  under no circumstances does this In-House Claims  Handling Agreement apply to sub-agents
                    third party administrators brokers or others without the prior written approval of the insurer.

               viii)  the insurer reserves the right to withdraw this In-House Claims Handling Agreement by giving no
                    less than seven days’ notice in writing in the event that:

                    (a)  any of the provisions contained in this In-House Claims Handling Agreement are breached
                        or
                    (b)  the amount paid with regard to all losses within the retention in respect of the period of
                        insurance exceeds      of any Aggregate Stop Loss shown in the schedule.








                                                                                                 Page 6 of 12]]></page><page Index="155"><![CDATA[Indemnity to other persons

               The following persons or organisations shall at the request of the public authority and subject to the
               written approval of the insurer as indicated by the inclusion of the word “yes” in the applicable box
               next to each listed “entity to be indemnified” below, be included as part of the insured.
               The  limits of indemnity,  retention  and non-ranking retentions are applicable unless specifically
               stated to the contrary.

         Entities to be indemnified                 Insured sections under which indemnity is available
                                            Employers’     Public     Products    Pollution      Premises

                                              Liability   Liability   Liability    Liability   environmental
         Any member.                           YES          YES         YES          YES       Not Applicable
         Any principal for whom the public
         authority is or has been carrying
         out work but only to the extent       YES          YES          NO          NO        Not Applicable
         required by the contract for the
         work.
         Any governor, manager, trustee
         and/or head teacher of community
         or community special schools,
         colleges and similar establishments
         under the control of the public
         authority in respect of claims
         arising out of the use of such        YES          YES         YES          YES       Not Applicable
         schools, colleges and similar
         establishments for educational
         purposes or while engaged in their
         official duties and activities as
         governors, managers or trustees of
         such schools.
         Any governor, manager, trustee
         and/or head teacher of voluntary
         aided, voluntary controlled,
         foundation or trust schools within
         the public authority area arising     YES          YES         YES          YES       Not Applicable
         out the use of such schools for
         educational purposes or while
         engaged on their official duties and
         activities as governors, managers
         or trustees of such schools.
         Any member of the committee for
         the time being of Parent Teacher
         Associations or other bodies
         associated with schools, colleges,
         homes for the elderly, museums,
         libraries or other establishments      NO          YES         YES          NO        Not Applicable
         controlled by the public authority,
         but only in respect of any legal
         liability arising out of the
         performance of their duties in an
         official capacity as a member of
         such committees.




                                                                                                 Page 7 of 12]]></page><page Index="156"><![CDATA[Entities to be indemnified                 Insured sections under which indemnity is available
                                            Employers’     Public     Products    Pollution      Premises
                                              Liability   Liability   Liability    Liability   environmental

         Any person in the employment of
         governors, managers, head
         teachers and/or trustees of
         voluntary aided, voluntary
         controlled, foundation or trust
         schools within the public
         authority’s area, in respect of
         claims arising from the voluntary
         organisation or supervision of
         games, athletics, other sporting       NO          YES          NO          NO        Not Applicable
         activities, dramatic productions,
         clubs, camps, journeys and other
         similar activities on behalf of the
         public authority which are
         complementary to, but not part of,
         the duties of said persons under
         their contract of service with the
         public authority or such
         governors, managers, head
         teachers or trustees.
         The committee for the time being of
         the School Organisation
         Committee, but only in respect of     YES          YES         YES          NO        Not Applicable
         any legal liability arising out of such
         School Organisation Committee.

         Any member for the time being of
         the Duke of Edinburgh Award
         scheme committee where the
         public authority is the operating      NO          YES          NO          NO        Not Applicable
         Authority, but only in respect of any
         legal liability arising out of or in
         connection with award activities.

         Any person carrying out inspections
         of educational establishments on
         behalf of the Office for Standards in
         Education where the fees for such      NO          YES          NO          NO        Not Applicable
         services are paid to the public
         authority or any local authority
         maintained school insured under
         this policy.

         Any Coroner acting on behalf of the
         insured in connection with the        YES          YES         YES          NO        Not Applicable
         business.














                                                                                                 Page 8 of 12]]></page><page Index="157"><![CDATA[Entities to be indemnified                 Insured sections under which indemnity is available
                                            Employers’     Public     Products    Pollution      Premises
                                              Liability   Liability   Liability    Liability   environmental

         The members for the time being of
         the public authority’s Youth
         Offenders Team, but no liability
         shall attach to the Company for any
         claim directly attributable to the
         actions of member authorities, their
         employees and agents and in the       YES          YES         YES          NO        Not Applicable
         case of any Police Authority Police
         Officers, including Special
         Constables, other than in
         circumstances where a claim is
         made directly against the public
         authority.
         Any organisation which undertakes
         the supervision and control of and
         also participates in a Community
         Service for Offenders Scheme or        NO          YES          NO          NO        Not Applicable
         Supervised Attendance Order
         Scheme operated by the public
         authority.
         Any lay visitor or official visitor    NO          YES          NO          NO        Not Applicable

         Any foster parent, registered day
         carer, community carer, respite
         carer, home help, guardian ad
         litem, member of any care scheme,
         registered child minder, and the like
         appointed by and under the             NO          YES          NO          NO        Not Applicable
         guidance and supervision of the
         public authority, in respect of any
         legal liability arising out of their
         activities carried out in connection
         with the business.

         Any householder utilising the
         services of home helps employed
         by the public authority or any
         householder using the services of
         pupils under the public authority’s
         Community Works Placement
         Scheme but only in respect of          NO          YES          NO          NO        Not Applicable
         claims for bodily injury sustained by
         such home helps or pupils where
         such bodily injury arises in
         connection with the utilisation of the
         services of the home helps or
         pupils by the householder.













                                                                                                 Page 9 of 12]]></page><page Index="158"><![CDATA[Entities to be indemnified                 Insured sections under which indemnity is available
                                            Employers’     Public     Products    Pollution      Premises
                                              Liability   Liability   Liability    Liability   environmental

         Any householder, but in only in
         respect of any legal liability for
         bodily injury sustained by any of the
         public authority’s home helps,
         care staff or special educational     YES           NO          NO          NO        Not Applicable
         assistants while such householder
         utilises the public authority’s
         home help, care or special
         educational services.

         The public authority’s rent officers
         and registrars of births, deaths and   YES         YES         YES          YES       Not Applicable
         marriages within the public
         authority’s area and their staff.

         The Chief Land Registrar or local     YES          YES         YES          YES       Not Applicable
         registrar of land charges.

         Any party with whom the public
         authority enters into a contract,
         lease or other agreement to the        NO          YES          NO          NO        Not Applicable
         extent required by such contract,
         lease or other agreement.
         Any owner or supplier of plant hired
         in by the public authority, but only   NO          YES          NO          NO        Not Applicable
         to the extent required by the
         conditions of hire.

         Any trustee for the time being of the
         public authority’s Superannuation
         Fund, but only in respect of any       NO          YES          NO          YES       Not Applicable
         legal liability arising out of the
         ownership of the premises.






























                                                                                                Page 10 of 12]]></page><page Index="159"><![CDATA[Endorsements


               These endorsements are additional clauses that form part of the policy. The undernoted clauses
               amend the insured section and / or clause stated and is each otherwise subject to the terms and
               conditions of this policy.

               Endorsement 001 – Election Officials

               The retention stated in the schedule under Insured sections B, C, D and E is NIL in respect of any
               indemnity provided to any Election official at any Election held during the period of insurance.


               Endorsement 002 - Joint Indemnity to Governing Bodies

               Joint Indemnity under Employers Liability is provided to the governing bodies of the following schools
               as from the effective date shown

                School                                         Effective Date
                Latymer All Saints CofE Primary School         01 April 2019
                Our Lady of Lourdes Catholic Primary School    01 April 2019
                St Anne’s Catholic High School for Girls       01 April 2019
                St Edmunds Catholic Primary School             01 April 2019
                St George’s RC Primary School                  01 April 2019
                St John and St James CofE Primary School       01 April 2019
                St Mary’s Catholic Primary School              01 April 2019
                St Michaels at Bowes CofE Junior School        01 April 2019
                St Monica’s Catholic Primary School            01 April 2019


               Endorsement 003 - Tree Roots Condition (Public Liability)

               The insurance provided by Insured Section B – Public Liability in respect of damage arising from the
               action of the roots of trees owned by the public authority or for which they are responsible is not in
               operation.






























                                                                                                Page 11 of 12]]></page><page Index="160"><![CDATA[Long Term Agreement – Expiry Date: 31 March 2022


               Until the long term agreement Expiry Date shown above the public authority undertakes to offer to
               renew annually the insurance under this policy on the terms and conditions in force at the expiry of
               each period of insurance provided it is understood that;
               a)  the insurer is under no obligation to accept the offer to renew made in accordance with the above
                   mentioned undertaking;
               b)  the insurer may increase the Aggregate Stop Limit at each renewal date by up to    following
                   agreement to such increase by the public authority.
               The above mentioned undertaking applies to  any  policy  which may  be  issued by the  insurer  in
               substitution for this policy.
               Payment of the premium  as specified will be deemed acceptance by the  public  authority  of the
               policy terms.
               The public authority has the option to extend the expiry date annually by a further two years at its
               discretion.





















































          QBE European Operations is a trading name of QBE Europe SA/NV, VAT BE 0690.537.456, RPM/RPR Brussels, IBAN No.BE53949007944353 and SWIFT/BIC
          No.  HSBCBEBB,  ('QBE  Europe'),  and  of  (1)  QBE  UK  Limited,  no.  01761561  (‘QBE  UK’),  (2)   QBE  Underwriting  Limited,  no.  01035198  ('QUL'),  (3)  QBE
          Management Services (UK) Limited, no. 03153567 ('QMSUK') and (4) QBE Underwriting Services (UK) Limited, no. 02262145 ('QSUK'), all four companies having
          their registered offices at Plantation Place, 30 Fenchurch Street, London, EC3M 3BD, and being incorporated in England and Wales. QBE Europe is authorised by
          the National Bank of Belgium under licence number 3093. QBE UK and QUL are authorised by the Prudential Regulation Authority and regulated by the Financial
                                                                                                Page 12 of 12  of QBE
          Conduct Authority and the Prudential Regulation Authority. QUL is a Lloyd's managing agent. QMSUK and QSUK are both Appointed Representatives
          Europe and QUL.]]></page><page Index="161"><![CDATA[QBE European Operations

                Public Authority Combined Liability Insurance (UK)
                                                    Schedule



          Public Authority:            London Borough of Enfield

          Address:                     Civic Centre, Silver Street, Enfield, London, EN1 3XN

          Business:                    London Borough

          Policy Number:               Y129076QBE0120A

          Policy Wording Reference:  PPBL010419
                                       Cover is provided by the policy wording as above and the endorsements detailed
                                       below.

          Period of Insurance          From: 01 April 2020           To: 31 March 2021
                                       both days inclusive Greenwich Mean Time and for such further period or periods
                                       as may be mutually agreed upon.

          Date Issued:                 31 March 2020            Issue Number:           1
          Reason for Issue:            Renewal

          Insurer:                     QBE UK Limited (registered in England number 01761561; Home State - United
                                       Kingdom.   Authorised by the Prudential Regulation Authority and regulated by
                                       the Financial Conduct Authority and the Prudential Regulation Authority.;
                                       registration number 202842)

          Registered Address:          Plantation Place, 30 Fenchurch Street, London, EC3M 3BD
                                       Tel: + 44 (0) 20 7105 4000   Fax: + 44 (0) 20 7105 4019

          Contact Details
          Issue Office:                London

          Claim Notification:          Gallagher Bassett International

          Complaints:                  Customer Relations
                                       Plantation Place, 30 Fenchurch Street, London, EC3M 3BD
                                       Tel: + 44 (0) 20 7105 4000   Fax: + 44 (0) 20 7105 4032
                                       Email: CustomerRelations@uk.qbe.com






















                                                                                                Page 1 of 12]]></page><page Index="162"><![CDATA[Cover Applicable

               The figures below apply other than where specifically stated to the contrary within an appendix of this
               Schedule or within a particular insured section of the policy.

                                                                                                       Non-
               Insured                  Limit / Sub-limit  of indemnity               Retention      ranking
              sections                                                                               excess


                             Limit of indemnity – GBP 50,000,000 any one occurrence
           A -               Including sub-limits of indemnity for:                   GBP 500,000       Nil


           Employers’        Offshore work                                              any one       any one
           Liability                          Not Insured                                claim         claim
                             War and
                             terrorism        GBP 50,000,000 any one occurrence
                                                                                      GBP 500,000       Nil

                             Limit of indemnity – GBP 50,000,000 any one occurrence      any one      any one
                                                                                         claim         claim
                                                                                      GBP 500,000       Nil
           B -  Public                        GBP 10,000,000 any one claim or
           Liability         Data Protection   prosecution and in the aggregate         any one       any one
                                                                                         claim         claim
                                                                                      GBP 500,000       Nil
                             Libel or slander   GBP 5,000,000 any one claim or series of
                             (or defamation)   claims and in the aggregate              any one       any one
                                                                                         claim         claim
                                                                                      GBP 500,000       Nil
           C - Products      Limit of indemnity – GBP 50,000,000 any one occurrence
           liability         and in the aggregate                                       any one       any one
                                                                                         claim         claim
                                                                                      GBP 500,000       Nil
           D - Pollution
           liability         Limit of indemnity – GBP 50,000,000 any one occurrence     any one       any one
                                                                                         claim         claim
           E - Coverage                                                                 GBP 250         Nil


           extensions to     Hirers’ liability   GBP 2,000,000 any one claim or series of   any one   any one
                             extension
                                              claims arising out of any one occurrence
           B, C, and D                                                                   claim         claim

           Combined single limit Insured  sections          GBP 50,000,000 any one insured event
           B, C and D


           F- Premises
           environmental       Not insured                                                Not           Not
           liability                                                                   Applicable    Applicable












                                                                                                Page 2 of 12]]></page><page Index="163"><![CDATA[Condition - Aggregate stop limit: GBP

               The non-ranking excess means the first amount payable by the insured in respect of each and every
               occurrence, claim or potential claim including any defence costs made against the insured, and all
               such payments are excluded from this insurance.   The non-ranking excess applies to any one claim
               and the meaning of “any one claim” is to be construed in accordance with the description given in the
               definitions of retention and series of claims in the policy.  The limit of indemnity by this policy is
               additional to the non-ranking excess which shall stand at:
               GBP Nil
               In addition the insured will pay the first amount of any covered loss as retention but the maximum
               amount for which the insured is responsible during any one period of insurance in respect of all
               amounts payable as retention will not exceed the figure shown above as the Aggregate stop limit.
               The amounts payable as non-ranking excess will not contribute to the Aggregate stop limit

               Further  the  Aggregate stop  limit under this  policy is shared with and eroded in like manner by
               payments under the following coverages:

               Officials Indemnity – 037499/01/2020/0180
               Professional Indemnity – 037803/01/2020/0167

               Upon exhaustion of the Aggregate stop limit the insurer will reimburse the insured for subsequent
               loss payments within this retention but the non-ranking excess will stand at:

               GBP          in respect of Officials Indemnity and Professional Indemnity only













































                                                                                                Page 3 of 12]]></page><page Index="164"><![CDATA[Annual Premium


                   Insured Sections A - E

                   Payment of the premium as specified below will be deemed acceptance by the public authority
                   of the policy terms.

                     Minimum and Deposit                     GBP

                     Insurance Premium Tax at 12%            GBP

                     Total Payable                           GBP


























               Signed on behalf of the insurer
























                                                                                                Page 4 of 12]]></page><page Index="165"><![CDATA[Claims Handling Authority

               With regard to Clause 9 ‘Duties in the event of a claim or potential claim’ of this policy any reference
               to the insurer shall be deemed to include any party authorised to handle claims on the insurer’s
               behalf.
               The insurer has authorised Gallagher Bassett International Limited to handle claims on the insurer’s
               behalf in respect of this policy.

               In-House Claims  Handling Agreement including conditions and reporting requirements

               The insurer has agreed that the public authority may handle claims that may be subject to an
               indemnity under this policy but limited to:

               Third Party Property Damage claims  under Insured section B up to a Claims
               Handling Limit of GBP              any one insured event subject to a Notification
               Threshold of GBP            any one insured event

               and is granted subject to the following provisions:

               i)   the extent of this In-House Claims Handling Agreement is limited to
                    (a)  setting raising or amending appropriate reserves without the consent of the insurer to a
                        Maximum Value of no more than the Claims Handling Limit shown above in respect of all
                        claims relating to any one insured event provided that;
                        (1)  no suit or legal proceedings have been filed against the insurer
                        (2)  no policy liability question is involved;
                    (b)  appointing any professional services which have been approved in writing by the insurer
                        prior to appointment in relation to claims which fall within the scope of item (a) above;
                    (c)  handling and settling any claim falling within the scope of item (a) above without the consent
                        of the insurer to a Maximum Value of no more than the Claims Handling Limit shown above
                        in respect of all claims relating to any one insured event.

               ii)   Maximum Value relates to the total financial value of the claim making no deductions for liability,
                    contributory negligence, unsecured recoveries, deductible, excess or other form of self insured
                    retentions.
               iii)  all claims falling outside the extent of this In-House Claims Handling Agreement must be
                    reported in accordance with policy conditions.

               iv)  in any event as soon as the public authority has become aware
                    (a)  of any claim where the Maximum Value reaches or exceeds any Notification Threshold
                        shown above

                    (b)  that one of the following injury types has occurred
                        (1)  a fatality
                        (2)  an amputation of a major extremity
                        (3)  any serious head injury (including skull fracture or loss of sight of either or both eyes)
                        (4)  any injury to the spinal cord
                        (5)  any disability where it appears reasonably likely that there will be a disability of more
                            than one year
                        (6)  any second or third degree burn of 25% or more of the body
                        (7)  occupational disease
                        (8)  chronic pain syndrome or related disorders

                    (c)  of any insured event involving any of the following


                                                                                                Page 5 of 12]]></page><page Index="166"><![CDATA[(1)  sexual or physical abuse
                        (2)  libel, slander and defamation
                        (3)  any claim that could be decided by courts representing jurisdictions outside of England,
                            Wales, Scotland and Northern Ireland
                        (4)  any claim  where we  are  alleging  fraud  in the defence of a claim or where there is
                            evidence of serious organised crime.
                        (5)  any claim involving pollution

                    the public authority will supply full details of the claim in writing to the insurer together with any
                    evidence and information that may be required by the insurer for the purpose of investigating or
                    verifying the claim.

               v)      it is a condition of this In-House Claims Handling Agreement that

                    (a)  the public authority shall provide to the insurer such information as the insurer requires
                        about the claims it is handling under this In-House Claims Handling Agreement irrespective
                        of status on a 6 monthly basis or at any other such time as the insurer shall reasonably
                        require. Prior to the granting of this In-House Claims Handling Agreement the insurer will
                        provide the public authority with details in writing of such information it requires in relation
                        to all claims handled by the public authority;
                    (b)  the insurer or its authorised representatives shall have access to all records and data on
                        any media relating to any or all claims the public authority is handling under this In-House
                        Claims Handling Agreement provided that the insurer or its authorised representatives give
                        no less than seven days’ notice in writing of their intention to access such records and data;
                    (c)  the  insurer  reserves the right  to  audit the in  house  handled  files  and any associated
                        operational aspects as required by them;
                    (d)  the insurer reserves the right to take over the handling of any claim where the reporting
                        criteria identified in iv) above are met.

               vi)  this  In-House  Claims  Handling  Agreement  is  provided  subject  to  the  public  authority
                    maintaining the following:

                    (a)  A team of competent and experienced Claims Handlers with sufficient capacity to maintain
                        an efficiency of workloads.
                    (b)  Appropriate claims management systems which can achieve the quality of service required,
                        including staffing numbers.
                    (c)  Robust Claims Management systems which can record the claims management information
                        in a manner acceptable to us.  This means recording the claims records on a ‘policy year
                        basis’ by coverage and the ability to meet the minimum data return requirements set out
                        above.

                    At all times the insurer retains the right to inspect and challenge any of the above aspects.

               vii)  under no circumstances does this In-House Claims Handling Agreement apply to sub-agents
                    third party administrators brokers or others without the prior written approval of the insurer.

               viii)  the insurer reserves the right to withdraw this In-House Claims Handling Agreement by giving no
                    less than seven days’ notice in writing in the event that:

                    (a)  any of the provisions contained in this In-House Claims Handling Agreement are breached
                        or
                    (b)  the amount paid with regard to all losses within the retention in respect of the period of
                        insurance exceeds      of any Aggregate Stop Loss shown in the schedule.










                                                                                                Page 6 of 12]]></page><page Index="167"><![CDATA[Indemnity to other persons

               The following persons or organisations shall at the request of the public authority and subject to the
               written approval of the insurer as indicated by the inclusion of the word “yes” in the applicable box
               next to each listed “entity to be indemnified” below, be included as part of the insured.
               The limits of indemnity, retention and non-ranking retentions are applicable unless specifically
               stated to the contrary.


         Entities to be indemnified                Insured sections under which indemnity is available
                                            Employers’     Public     Products    Pollution      Premises

                                             Liability    Liability   Liability    Liability   environmental
         Any member.                           YES          YES         YES          YES       Not Applicable
         Any principal for whom the public
         authority is or has been carrying
         out work but only to the extent       YES          YES          NO          NO        Not Applicable
         required by the contract for the
         work.
         Any governor, manager, trustee
         and/or head teacher of community
         or community special schools,
         colleges and similar establishments
         under the control of the public
         authority in respect of claims
         arising out of the use of such        YES          YES         YES          YES       Not Applicable
         schools, colleges and similar
         establishments for educational
         purposes or while engaged in their
         official duties and activities as
         governors, managers or trustees of
         such schools.
         Any governor, manager, trustee
         and/or head teacher of voluntary
         aided, voluntary controlled,
         foundation or trust schools within
         the public authority area arising     YES          YES         YES          YES       Not Applicable
         out the use of such schools for
         educational purposes or while
         engaged on their official duties and
         activities as governors, managers
         or trustees of such schools.
         Any member of the committee for
         the time being of Parent Teacher
         Associations or other bodies
         associated with schools, colleges,
         homes for the elderly, museums,
         libraries or other establishments
         controlled by the public authority,    NO          YES         YES          NO        Not Applicable
         but only in respect of any legal
         liability arising out of the
         performance of their duties in an
         official capacity as a member of
         such committees.




                                                                                                Page 7 of 12]]></page><page Index="168"><![CDATA[Entities to be indemnified                Insured sections under which indemnity is available
                                            Employers’     Public     Products    Pollution      Premises

                                             Liability    Liability   Liability    Liability   environmental
         Any person in the employment of
         governors, managers, head
         teachers and/or trustees of
         voluntary aided, voluntary
         controlled, foundation or trust
         schools within the public
         authority’s area, in respect of
         claims arising from the voluntary
         organisation or supervision of
         games, athletics, other sporting
         activities, dramatic productions,      NO          YES          NO          NO        Not Applicable
         clubs, camps, journeys and other
         similar activities on behalf of the
         public authority which are
         complementary to, but not part of,
         the duties of said persons under
         their contract of service with the
         public authority or such
         governors, managers, head
         teachers or trustees.
         The committee for the time being of
         the School Organisation
         Committee, but only in respect of     YES          YES         YES          NO        Not Applicable
         any legal liability arising out of such
         School Organisation Committee.

         Any member for the time being of
         the Duke of Edinburgh Award
         scheme committee where the
         public authority is the operating      NO          YES          NO          NO        Not Applicable
         Authority, but only in respect of any
         legal liability arising out of or in
         connection with award activities.

         Any person carrying out inspections
         of educational establishments on
         behalf of the Office for Standards in
         Education where the fees for such
         services are paid to the public        NO          YES          NO          NO        Not Applicable
         authority or any local authority
         maintained school insured under
         this policy.

         Any Coroner acting on behalf of the
         insured in connection with the        YES          YES         YES          NO        Not Applicable
         business.














                                                                                                Page 8 of 12]]></page><page Index="169"><![CDATA[Entities to be indemnified                Insured sections under which indemnity is available
                                            Employers’     Public     Products    Pollution      Premises

                                             Liability    Liability   Liability    Liability   environmental
         The members for the time being of
         the public authority’s Youth
         Offenders Team, but no liability
         shall attach to the Company for any
         claim directly attributable to the
         actions of member authorities, their
         employees and agents and in the       YES          YES         YES          NO        Not Applicable
         case of any Police Authority Police
         Officers, including Special
         Constables, other than in
         circumstances where a claim is
         made directly against the public
         authority.
         Any organisation which undertakes
         the supervision and control of and
         also participates in a Community
         Service for Offenders Scheme or        NO          YES          NO          NO        Not Applicable
         Supervised Attendance Order
         Scheme operated by the public
         authority.
         Any lay visitor or official visitor    NO          YES          NO          NO        Not Applicable

         Any foster parent, registered day
         carer, community carer, respite
         carer, home help, guardian ad
         litem, member of any care scheme,
         registered child minder, and the like
         appointed by and under the             NO          YES          NO          NO        Not Applicable
         guidance and supervision of the
         public authority, in respect of any
         legal liability arising out of their
         activities carried out in connection
         with the business.

         Any householder utilising the
         services of home helps employed
         by the public authority or any
         householder using the services of
         pupils under the public authority’s
         Community Works Placement
         Scheme but only in respect of          NO          YES          NO          NO        Not Applicable
         claims for bodily injury sustained by
         such home helps or pupils where
         such bodily injury arises in
         connection with the utilisation of the
         services of the home helps or
         pupils by the householder.













                                                                                                Page 9 of 12]]></page><page Index="170"><![CDATA[Entities to be indemnified                Insured sections under which indemnity is available
                                            Employers’     Public     Products    Pollution      Premises

                                             Liability    Liability   Liability    Liability   environmental
         Any householder, but in only in
         respect of any legal liability for
         bodily injury sustained by any of the
         public authority’s home helps,
         care staff or special educational     YES           NO          NO          NO        Not Applicable
         assistants while such householder
         utilises the public authority’s
         home help, care or special
         educational services.
         The public authority’s rent officers
         and registrars of births, deaths and
         marriages within the public           YES          YES         YES          YES       Not Applicable
         authority’s area and their staff.

         The Chief Land Registrar or local     YES          YES         YES          YES       Not Applicable
         registrar of land charges.

         Any party with whom the public
         authority enters into a contract,
         lease or other agreement to the        NO          YES          NO          NO        Not Applicable
         extent required by such contract,
         lease or other agreement.
         Any owner or supplier of plant hired
         in by the public authority, but only
         to the extent required by the          NO          YES          NO          NO        Not Applicable
         conditions of hire.

         Any trustee for the time being of the
         public authority’s Superannuation
         Fund, but only in respect of any       NO          YES          NO          YES       Not Applicable
         legal liability arising out of the
         ownership of the premises.


         Any person appointed to assist the
         public authority in considering and
         determining complaints made           YES          YES         YES          YES       Not Applicable
         against a member in relation to the
         public authority Code of Conduct.





















                                                                                               Page 10 of 12]]></page><page Index="171"><![CDATA[Endorsements


               These endorsements are additional clauses that form part of the policy. The undernoted clauses
               amend the insured section and / or clause stated and is each otherwise subject to the terms and
               conditions of this policy.

               Endorsement 001 – Election Officials

               The retention stated in the schedule under Insured sections B,C,D and E is NIL in respect of any
               indemnity provided to any Election official at any Election held during the period of insurance.

               Endorsement 002 - Joint Indemnity  to Governing Bodies

               Joint Indemnity under Employers Liability is provided to the governing bodies of the following schools
               as from the effective date shown
                 School                                        Effective Date
                 Latymer All Saints CofE Primary School        01 April 2020
                 Our Lady of Lourdes Catholic Primary School   01 April 2020
                 St George’s RC Primary School                 01 April 2020
                 St John and St James CofE Primary School      01 April 2020
                 St Mary’s Catholic Primary School             01 April 2020
                 St Michaels at Bowes CofE Junior School       01 April 2020
                 St Monica’s Catholic Primary School           01 April 2020
                 West Lea School                               01 April 2020


               Endorsement 003 - Tree Roots Condition (Public Liability)

               The insurance provided by Insured Section B – Public Liability in respect of damage arising from the
               action of the roots of trees owned by the public authority or for which they are responsible is not in
               operation.



































                                                                                               Page 11 of 12]]></page><page Index="172"><![CDATA[Long Term Agreement – Expiry Date: 31 March 2022

               Until the long term agreement Expiry Date shown above the public authority undertakes to offer to
               renew annually the insurance under this policy on the terms and conditions in force at the expiry of
               each period of insurance provided it is understood that;
               a)  the insurer is under no obligation to accept the offer to renew made in accordance with the above
                   mentioned undertaking;
               b)  the insurer may increase the Aggregate Stop Limit at each renewal date by up to    following
                   agreement to such increase by the public authority.
               The  above mentioned undertaking  applies to any policy which may be issued by the insurer in
               substitution for this policy.
               Payment of the premium as specified will be deemed acceptance by the public authority of the
               policy terms.

               The public authority has the option to extend the expiry date annually by a further two years at its
               discretion.






















































          QBE European Operations is a trading name of QBE Europe SA/NV, VAT BE 0690.537.456, RPM/RPR Brussels, IBAN No.BE53949007944353 and SWI FT/ BIC
          No.  HSBCBEBB,  ('QBE  Europe'),  and  of   (1)  QBE  UK  Limited, no. 01761561 (‘QBE UK’), (2)  QBE Underwriting Limited, no. 01035198 ('QUL'), (3) QBE
          Management Services (UK) Limited, no. 03153567 ('QMSUK') and (4) QBE Underwriting Services (UK) Limited, no. 02262145 ('QSUK'), all four companies having
                                                                                               Page 12 of 12
          their registered offices at Plantation Place, 30 Fenchurch Street, London, EC3M 3BD, and being incorporated in England and Wales. QBE Europe is authorised by
          the National Bank of Belgium under licence number 3093. QBE UK and QUL are authorised by the Prudential Regulation Authority and regulated by the Fin
                                                                                                            ancial
          Conduct Authority and the Prudential Regulation Authority. QUL is a Lloyd's managing agent. QMSUK and QSUK are both Appointed Representativ es of  QBE
          Europe and QUL.]]></page><page Index="173"><![CDATA[QBE European Operations

                 Public Authority Combined Liability Insurance (UK)
                                                     Schedule



          Public Authority:            London Borough of Enfield

          Address:                     Civic Centre, Silver Street, Enfield, London, EN1 3XN

          Business:                    London Borough

          Policy Number:               Y129076QBE0121A

          Policy Wording Reference:    PPBL010121
                                       Cover is provided by the policy wording as above and the endorsements detailed
                                       below.

          Period of Insurance          From: 01 April 2021           To: 31 March 2022
                                       both days inclusive Greenwich Mean Time and for such further period or periods
                                       as may be mutually agreed upon.

          Date Issued:                 30 March 2021            Issue Number:           1
          Reason for Issue:            Renewal

          Insurer:                     QBE UK Limited (registered in England number 01761561; Home State - United
                                       Kingdom.   Authorised by the Prudential Regulation Authority and regulated by
                                       the Financial Conduct Authority and the Prudential Regulation Authority.;
                                       registration number 202842)

          Registered Address:          30 Fenchurch Street, London, EC3M 3BD
                                       Tel: + 44 (0) 20 7105 4000   Fax: + 44 (0) 20 7105 4019

          Contact Details
          Issue Office:                London

          Claim Notification:          Gallagher Bassett International

          Complaints:                  Customer Relations
                                       30 Fenchurch Street, London, EC3M 3BD
                                       Tel: + 44 (0) 20 7105 4000   Fax: + 44 (0) 20 7105 4032
                                       Email: CustomerRelations@uk.qbe.com






















                                                                                                 Page 1 of 15]]></page><page Index="174"><![CDATA[Cover Applicable

               The figures below apply other than where specifically stated to the contrary within an appendix of this
               Schedule or within a particular insured section of the policy.

                                                                                                       Non-
               Insured
              sections                  Limit / Sub-limit of indemnity                Retention      ranking
                                                                                                     excess
                             Limit of indemnity – GBP 50,000,000 any one occurrence
           A -               Including sub-limits of indemnity for:                   GBP 500,000       Nil
           Employers’        Offshore work
           Liability                          Not Insured                               any one       any one
                                                                                                       claim
                                                                                          claim
                             War and          GBP 50,000,000 any one occurrence
                              terrorism
                                                                                      GBP 500,000       Nil
                             Limit of indemnity – GBP 50,000,000 any one occurrence
                                                                                        any one       any one
                                                                                          claim        claim
                                                                                      GBP 500,000       Nil
           B -  Public                        GBP 10,000,000 any one claim or
           Liability         Data Protection   prosecution and in the aggregate         any one       any one
                                                                                          claim        claim
                                                                                      GBP 500,000       Nil
                             Libel or slander   GBP 5,000,000 any one claim or series of
                             (or defamation)   claims and in the aggregate              any one       any one
                                                                                          claim        claim
                                                                                      GBP 500,000       Nil
           C - Products      Limit of indemnity – GBP 50,000,000 any one occurrence
           liability         and in the aggregate                                       any one       any one
                                                                                          claim        claim
                                                                                      GBP 500,000       Nil
           D - Pollution
           liability         Limit of indemnity – GBP 50,000,000 any one occurrence     any one       any one
                                                                                          claim        claim
           E - Coverage                                                                 GBP 250         Nil


           extensions to     Hirers’ liability   GBP 2,000,000 any one claim or series of   any one   any one
                                              claims arising out of any one occurrence
                             extension
           B, C, and D                                                                    claim        claim

           Combined  single limit  Insured sections         GBP 50,000,000 any one insured event
           B, C and D


           F- Premises
           environmental       Not insured                                                Not           Not
           liability                                                                   Applicable    Applicable











                                                                                                 Page 2 of 15]]></page><page Index="175"><![CDATA[Condition - Aggregate stop limit: GBP

               The non-ranking excess means the first amount payable by the insured in respect of each and every
               occurrence, claim or potential claim including any defence costs made against the insured, and all
               such payments are excluded from this insurance.   The non-ranking excess applies to any one claim
               and the meaning of “any one claim” is to be construed in accordance with the description given in the
               definitions of retention and series of claims in the policy.  The limit of indemnity by this policy is
               additional to the non-ranking excess which shall stand at:
               GBP Nil
               In addition the insured will pay the first amount of any covered loss as retention but the maximum
               amount for which the insured is responsible during any one period of insurance in respect of all
               amounts payable as retention will not exceed the figure shown above as the Aggregate stop limit.
               The amounts payable as non-ranking excess will not contribute to the Aggregate stop limit

               Further the Aggregate stop limit under this  policy  is shared  with  and eroded in like manner by
               payments under the following coverages:

               Officials Indemnity – 037499/01/2021/0180
               Professional Indemnity – 037803/01/2021/0167

               Upon exhaustion of the Aggregate stop limit the insurer will reimburse the insured for subsequent
               loss payments within this retention but the non-ranking excess will stand at:

               GBP         in respect of Officials Indemnity and Professional Indemnity only














































                                                                                                 Page 3 of 15]]></page><page Index="176"><![CDATA[Annual Premium


                   Insured Sections A - E

                   Payment of the premium as specified below will be deemed acceptance by the public authority
                   of the policy terms.


                     Minimum and Deposit                      GBP

                     Insurance Premium Tax at 12%             GBP

                     Total Payable                            GBP













               Signed on behalf of the insurer







































                                                                                                 Page 4 of 15]]></page><page Index="177"><![CDATA[Claims Handling Authority

               With regard to Clause 9 ‘Duties in the event of a claim or potential claim’ of this policy any reference
               to the  insurer  shall be deemed to include any party authorised to  handle claims on the insurer’s
               behalf.
               The insurer has authorised Gallagher Bassett International Limited to handle claims on the insurer’s
               behalf in respect of this policy.
               In-House Claims Handling Agreement including conditions and reporting requirements
               The insurer has agreed that the  public authority  may  handle claims that may be subject to an
               indemnity under this policy but limited to:

               Third Party Property Damage claims under Insured section B up to a Claims
               Handling Limit of GBP              any one insured event subject to a Notification
               Threshold of GBP            any one insured event

               and is granted subject to the following provisions:

               i)   the extent of this In-House Claims Handling Agreement is limited to
                    (a)  setting raising or amending appropriate reserves  without the consent of the  insurer  to a
                        Maximum Value of no more than the Claims Handling Limit shown above in respect of all
                        claims relating to any one insured event provided that;
                        (1)  no suit or legal proceedings have been filed against the insurer
                        (2)  no policy liability question is involved;
                    (b)  appointing any professional services which have been approved in writing by the insurer
                        prior to appointment in relation to claims which fall within the scope of item (a) above;
                    (c)  handling and settling any claim falling within the scope of item (a) above without the consent
                        of the insurer to a Maximum Value of no more than the Claims Handling Limit shown above
                        in respect of all claims relating to any one insured event.

               ii)   Maximum Value relates to the total financial value of the claim making no deductions for liability,
                    contributory negligence, unsecured recoveries, deductible, excess or other form of self insured
                    retentions.

               iii)  all claims falling outside the extent of this In-House Claims Handling Agreement must be
                    reported in accordance with policy conditions.
               iv)  in any event as soon as the public authority has become aware
                    (a)  of any claim where the Maximum Value reaches or exceeds any Notification  Threshold
                        shown above

                    (b)  that one of the following injury types has occurred
                        (1)  a fatality
                        (2)  an amputation of a major extremity
                        (3)  any serious head injury (including skull fracture or loss of sight of either or both eyes)
                        (4)  any injury to the spinal cord
                        (5)  any disability where it appears reasonably likely that there will be a disability of more
                            than one year
                        (6)  any second or third degree burn of 25% or more of the body
                        (7)  occupational disease
                        (8)  chronic pain syndrome or related disorders
                        (9)  where the claim involved alleges exposure either in full or as part of the claim to COVID
                            – 19 or any other disease or virus which is declared a pandemic by the World Health
                            Organisation (WHO) or by any Regulatory Body (including Central Government) who
                            may have jurisdiction with the UK


                                                                                                 Page 5 of 15]]></page><page Index="178"><![CDATA[(c)  of any insured event involving any of the following
                        (1)  sexual or physical abuse
                        (2)  libel, slander and defamation
                        (3)  any claim that could be decided by courts representing jurisdictions outside of England,
                            Wales, Scotland and Northern Ireland
                        (4)  any claim where  we are  alleging fraud  in the defence of a claim or  where there  is
                            evidence of serious organised crime.
                        (5)  any claim involving pollution

                    the public authority will supply full details of the claim in writing to the insurer together with any
                    evidence and information that may be required by the insurer for the purpose of investigating or
                    verifying the claim.

               v)      it is a condition of this In-House Claims Handling Agreement that

                    (a)  the public authority shall provide to the insurer such information as the insurer requires
                        about the claims it is handling under this In-House Claims Handling Agreement irrespective
                        of status on a 6 monthly basis or at any other such time as the insurer shall reasonably
                        require. Prior to the granting of this In-House Claims Handling Agreement the insurer will
                        provide the public authority with details in writing of such information it requires in relation
                        to all claims handled by the public authority;
                    (b)  the insurer or its authorised representatives shall have access to all records and data on
                        any media relating to any or all claims the public authority is handling under this In-House
                        Claims Handling Agreement provided that the insurer or its authorised representatives give
                        no less than seven days’ notice in writing of their intention to access such records and data;
                    (c)  the  insurer  reserves the  right to  audit the in  house handled files  and any  associated
                        operational aspects as required by them;
                    (d)  the insurer reserves the right to take over the handling of any claim where the reporting
                        criteria identified in iv) above are met.

               vi)  this In-House Claims Handling  Agreement is provided subject to the  public authority
                    maintaining the following:

                    (a)  A team of competent and experienced Claims Handlers with sufficient capacity to maintain
                        an efficiency of workloads.
                    (b)  Appropriate claims management systems which can achieve the quality of service required,
                        including staffing numbers.
                    (c)  Robust Claims Management systems which can record the claims management information
                        in a manner acceptable to us.  This means recording the claims records on a ‘policy year
                        basis’  by coverage and the ability to meet the minimum data return requirements set out
                        above.

                    At all times the insurer retains the right to inspect and challenge any of the above aspects.

               vii)  under no circumstances does this In-House Claims Handling Agreement apply to sub-agents
                    third party administrators brokers or others without the prior written approval of the insurer.

               viii)  the insurer reserves the right to withdraw this In-House Claims Handling Agreement by giving no
                    less than seven days’ notice in writing in the event that:

                    (a)  any of the provisions contained in this In-House Claims Handling Agreement are breached
                        or
                    (b)  the amount paid with regard to all losses within the retention in respect of the period of
                        insurance exceeds      of any Aggregate Stop Loss shown in the schedule.








                                                                                                 Page 6 of 15]]></page><page Index="179"><![CDATA[Indemnity to other persons

               The following persons or organisations shall at the request of the public authority and subject to the
               written approval of the insurer as indicated by the inclusion of the word “yes” in the applicable box
               next to each listed “entity to be indemnified” below, be included as part of the insured.
               The  limits of indemnity,  retention  and non-ranking retentions are applicable unless specifically
               stated to the contrary.

         Entities to be indemnified                 Insured sections under which indemnity is available
                                            Employers’     Public     Products    Pollution      Premises

                                              Liability   Liability   Liability    Liability   environmental
         Any member.                           YES          YES         YES          YES       Not Applicable
         Any principal for whom the public
         authority is or has been carrying
         out work but only to the extent       YES          YES          NO          NO        Not Applicable
         required by the contract for the
         work.
         Any governor, manager, trustee
         and/or head teacher of community
         or community special schools,
         colleges and similar establishments
         under the control of the public
         authority in respect of claims
         arising out of the use of such        YES          YES         YES          YES       Not Applicable
         schools, colleges and similar
         establishments for educational
         purposes or while engaged in their
         official duties and activities as
         governors, managers or trustees of
         such schools.
         Any governor, manager, trustee
         and/or head teacher of voluntary
         aided, voluntary controlled,
         foundation or trust schools within
         the public authority area arising     YES          YES         YES          YES       Not Applicable
         out the use of such schools for
         educational purposes or while
         engaged on their official duties and
         activities as governors, managers
         or trustees of such schools.
         Any member of the committee for
         the time being of Parent Teacher
         Associations or other bodies
         associated with schools, colleges,
         homes for the elderly, museums,
         libraries or other establishments      NO          YES         YES          NO        Not Applicable
         controlled by the public authority,
         but only in respect of any legal
         liability arising out of the
         performance of their duties in an
         official capacity as a member of
         such committees.




                                                                                                 Page 7 of 15]]></page><page Index="180"><![CDATA[Entities to be indemnified                 Insured sections under which indemnity is available
                                            Employers’     Public     Products    Pollution      Premises
                                              Liability   Liability   Liability    Liability   environmental

         Any person in the employment of
         governors, managers, head
         teachers and/or trustees of
         voluntary aided, voluntary
         controlled, foundation or trust
         schools within the public
         authority’s area, in respect of
         claims arising from the voluntary
         organisation or supervision of
         games, athletics, other sporting       NO          YES          NO          NO        Not Applicable
         activities, dramatic productions,
         clubs, camps, journeys and other
         similar activities on behalf of the
         public authority which are
         complementary to, but not part of,
         the duties of said persons under
         their contract of service with the
         public authority or such
         governors, managers, head
         teachers or trustees.
         The committee for the time being of
         the School Organisation
         Committee, but only in respect of     YES          YES         YES          NO        Not Applicable
         any legal liability arising out of such
         School Organisation Committee.

         Any member for the time being of
         the Duke of Edinburgh Award
         scheme committee where the
         public authority is the operating      NO          YES          NO          NO        Not Applicable
         Authority, but only in respect of any
         legal liability arising out of or in
         connection with award activities.

         Any person carrying out inspections
         of educational establishments on
         behalf of the Office for Standards in
         Education where the fees for such      NO          YES          NO          NO        Not Applicable
         services are paid to the public
         authority or any local authority
         maintained school insured under
         this policy.

         Any Coroner acting on behalf of the
         insured in connection with the        YES          YES         YES          NO        Not Applicable
         business.














                                                                                                 Page 8 of 15]]></page><page Index="181"><![CDATA[Entities to be indemnified                 Insured sections under which indemnity is available
                                            Employers’     Public     Products    Pollution      Premises
                                              Liability   Liability   Liability    Liability   environmental

         The members for the time being of
         the public authority’s Youth
         Offenders Team, but no liability
         shall attach to the Company for any
         claim directly attributable to the
         actions of member authorities, their
         employees and agents and in the       YES          YES         YES          NO        Not Applicable
         case of any Police Authority Police
         Officers, including Special
         Constables, other than in
         circumstances where a claim is
         made directly against the public
         authority.
         Any organisation which undertakes
         the supervision and control of and
         also participates in a Community
         Service for Offenders Scheme or        NO          YES          NO          NO        Not Applicable
         Supervised Attendance Order
         Scheme operated by the public
         authority.
         Any lay visitor or official visitor    NO          YES          NO          NO        Not Applicable

         Any foster parent, registered day
         carer, community carer, respite
         carer, home help, guardian ad
         litem, member of any care scheme,
         registered child minder, and the like
         appointed by and under the             NO          YES          NO          NO        Not Applicable
         guidance and supervision of the
         public authority, in respect of any
         legal liability arising out of their
         activities carried out in connection
         with the business.

         Any householder utilising the
         services of home helps employed
         by the public authority or any
         householder using the services of
         pupils under the public authority’s
         Community Works Placement
         Scheme but only in respect of          NO          YES          NO          NO        Not Applicable
         claims for bodily injury sustained by
         such home helps or pupils where
         such bodily injury arises in
         connection with the utilisation of the
         services of the home helps or
         pupils by the householder.













                                                                                                 Page 9 of 15]]></page><page Index="182"><![CDATA[Entities to be indemnified                 Insured sections under which indemnity is available
                                            Employers’     Public     Products    Pollution      Premises
                                              Liability   Liability   Liability    Liability   environmental

         Any householder, but in only in
         respect of any legal liability for
         bodily injury sustained by any of the
         public authority’s home helps,
         care staff or special educational     YES           NO          NO          NO        Not Applicable
         assistants while such householder
         utilises the public authority’s
         home help, care or special
         educational services.

         The public authority’s rent officers
         and registrars of births, deaths and   YES         YES         YES          YES       Not Applicable
         marriages within the public
         authority’s area and their staff.

         The Chief Land Registrar or local
         registrar of land charges.            YES          YES         YES          YES       Not Applicable

         Any party with whom the public
         authority enters into a contract,
         lease or other agreement to the        NO          YES          NO          NO        Not Applicable
         extent required by such contract,
         lease or other agreement.
         Any owner or supplier of plant hired
         in by the public authority, but only   NO          YES          NO          NO        Not Applicable
         to the extent required by the
         conditions of hire.

         Any trustee for the time being of the
         public authority’s Superannuation
         Fund, but only in respect of any       NO          YES          NO          YES       Not Applicable
         legal liability arising out of the
         ownership of the premises.


         Any person appointed to assist the
         public authority in considering and
         determining complaints made           YES          YES         YES          YES       Not Applicable
         against a member in relation to the
         public authority Code of Conduct.





















                                                                                                Page 10 of 15]]></page><page Index="183"><![CDATA[Endorsements


               These endorsements are additional clauses that form part of the policy. The undernoted clauses
               amend the insured section and / or clause stated and is each otherwise subject to the terms and
               conditions of this policy.

               Endorsement 001 – Election Officials

               The retention stated in the schedule under Insured sections B,C,D and E is NIL in respect of any
               indemnity provided to any Election official at any Election held during the period of insurance.

               Endorsement 002 - Joint Indemnity to Governing Bodies

               Joint Indemnity under Employers Liability is provided to the governing bodies of the following schools
               as from the effective date shown
                School                                         Effective Date
                St John and St James CofE Primary School       01 April 2021
                St Mary’s Catholic Primary School              01 April 2021
                West Lea School                                01 April 2021


               Endorsement 003 - Tree Roots Condition (Public Liability)

               The insurance provided by Insured Section B – Public Liability in respect of damage arising from the
               action of the roots of trees owned by the public authority or for which they are responsible is not in
               operation.











































                                                                                                Page 11 of 15]]></page><page Index="184"><![CDATA[Endorsement 004 - Conditions: Self-insurance retention – Covid-19/Pandemic
               related claims occurring in care home and domiciliary care
               Insured section: ‘Employers’ Liability’ and ‘Public Liability’

               The retention included in the schedule for the ‘Employers’ Liability’ and ‘Public Liability’ sections of
               this  policy  is  respectively  amended  to  GBP  500,000  any  one  claimant  for  Covid-19/Pandemic
               related claims arising out of and in connection with the business during the period of insurance.

               For the purpose of this endorsement, the  ‘General  definitions and  interpretations’  section  of this
               policy is amended as follows:

               A. The definition of retention is deleted and replaced with the following definition:

               Retention
               Retention means the first  amount payable  by  the  insured  in respect of  each  and every  claimant,
               potential claimant; and/or  defence costs  (excluding adjusters’ fees) as  ascertained after the
               application of all other terms and conditions of this policy. The limit of indemnity will be reduced by
               the retention.

               B. A definition of Covid-19/Pandemic related claims is added:

               Covid-19/Pandemic related claims
               Covid-19/Pandemic related claims means any amount for which the insurer would otherwise be liable
               directly or indirectly caused by, resulting from, arising out of, in connection  with, attributable to, or
               occurring concurrently or in any sequence with:

                       1.1. any coronavirus (or similar or equivalent virus in the future);

                       1.2. any mutation or variation of 1.1 above;

                       1.3. any coronavirus disease (or similar or equivalent disease in the future);

                       1.4. any epidemic, or pandemic which poses a threat to human health or human welfare;

                       1.5. any fear or threat of 1.1, 1.2, 1.3 or 1.4 above;

                       1.6. the costs to clean-up, detoxify, remove, monitor or test for the actual, alleged,
                       perceived or suspected presence of 1.1, 1.2, 1.3 or 1.4 above; or

                      1.7. the  insured’s  compliance or non-compliance with  any advice, guidance,  regulation,
                      order,  decree or law issued by a Public Authority in response to 1.1, 1.2, 1.3 or 1.4 above.

               2. Public Authority means  any  national, regional,  local or municipal government or any national or
               international organisation with the responsibility to promote or protect public health.

               This policy will only provide indemnity in respect of Covid-19/Pandemic related claims as defined
               above in this endorsement.


               CLAUSE : PBLCOP 010820











                                                                                                Page 12 of 15]]></page><page Index="185"><![CDATA[Endorsement 005 - Exclusion: Cyber Risks

               The following clause and definitions are added to and incorporated into the policy and shall replace
               and supersede any existing and comparable provision:


               1.      The policy shall exclude:

               1.1.1.   any actual or alleged loss, damage, liability, bodily injury, personal injury, compensation,
                        medical payment, claim or cost,  defence cost, expense, statutory fine or penalty  or any
                        other amount incurred or accruing by the insured, howsoever incurred or accruing, directly
                        or indirectly arising out of, caused by, contributed to, resulting from, or in connection with
                        any of the following:

               a)       an unauthorised, malicious or criminal act or series  of related unauthorised, malicious or
                        criminal acts, regardless of time and place, or the threat  or hoax  of such acts, involving
                        access to, processing of, use of or operation of any computer system;
               b)       any failure to act, error or omission or series of related failures to act, errors or omissions
                        involving access to, processing of, use of or operation of any computer system;
               c)       any partial or total unavailability or failure or series of related partial or total unavailability or
                        failures to access, process, use or operate any computer system; or
               d)       any breach of duty (including statutory or regulatory duty), or breach of trust or any series of
                        related breaches of duty (including statutory or regulatory duty) or breaches of trust involving
                        or affecting the use  or operation  of, or access to,  any  computer system.

               1.1.2.   any  actual or alleged  loss,  damage, liability,  bodily injury, compensation, claim or cost,
                        defence cost, expense, statutory fine or penalty or any other amount incurred or accruing
                        by the insured, howsoever incurred or accruing, directly or indirectly caused by, contributed
                        to by, resulting from, arising out of or in connection with any loss  of use, reduction in
                        functionality, repair, replacement, restoration or reproduction of any  electronic data,
                        including  any  amount pertaining to the  value of such  electronic data; regardless of any
                        other cause of event contributing concurrently.
               1.1.3.   This exclusion shall not apply to:

               a)       liability for any bodily injury or damage arising out of terrorism, to the extent that cover is
                        expressly provided elsewhere in the policy and shown as covered in the schedule;
               b)       any  liability arising out of any ‘Data Protection’ extension(s) to the extent that cover is
                        expressly provided elsewhere in the policy and shown as covered in the schedule;
               c)       the Employers’ Liability  section  of the  policy  in respect of liability for any  bodily injury
                        sustained by an employee arising out of their employment and caused during the period of
                        insurance; or
               d)       the General  Liability section of the  policy  in respect  of liability for  any  ensuing  accidental
                        bodily injury or accidental damage which is not otherwise excluded.

               Definitions

               To the extent that a defined term is used which is neither defined in the underlying policy or below,
               such word shall be construed in accordance with its ordinary meaning. For the purposes of this
               Exclusion:







                                                                                                Page 13 of 15]]></page><page Index="186"><![CDATA[Computer System means any computer, hardware, software, programs, telecommunications system,
               email system, electronic device (including,  but not limited to, smart phone,  laptop, tablet,  wearable
               device), server, cloud or  microcontroller including any similar system or any  configuration of the
               aforementioned and  including any  associated input,  output, data storage device, networking
               equipment or back up facility, owned or operated by the insured or any other party.
               Damage means loss of, destruction of or physical damage to tangible property.
               Electronic Data means facts, concepts, code, and any other information converted to a form usable
               for communication, display, distribution, interpretation or processing by a computer system or any
               electronic  and electromechanical  processing or  electronically controlled equipment, including
               programmes, software and other coded instructions for such equipment.




































































                                                                                                Page 14 of 15]]></page><page Index="187"><![CDATA[Long Term Agreement – Expiry Date: 31 March 2022


               Until the long term agreement Expiry Date shown above the public authority undertakes to offer to
               renew annually the insurance under this policy on the terms and conditions in force at the expiry of
               each period of insurance provided it is understood that;
               a)  the insurer is under no obligation to accept the offer to renew made in accordance with the above
                   mentioned undertaking;
               b)  the insurer may increase the Aggregate Stop Limit at each renewal date by up to    following
                   agreement to such increase by the public authority.
               The above mentioned undertaking applies to  any  policy  which may  be  issued by the  insurer  in
               substitution for this policy.
               Payment  of the premium as specified  will  be deemed  acceptance by  the  public  authority  of the
               policy terms.
               The public authority has the option to extend the expiry date annually by a further two years at its
               discretion.





















































          QBE European Operations is a trading name of QBE Europe SA/NV, VAT BE 0690.537.456, RPM/RPR Brussels, IBAN No.BE53949007944353 and SWIFT/BIC
          No.  HSBCBEBB,  ('QBE  Europe'),  and  of  (1)  QBE  UK  Limited,  no.  01761561  (‘QBE  UK’),  (2)   QBE  Underwriting  Limited,  no.  01035198  ('QUL'),  (3)  QBE
          Management Services (UK) Limited, no. 03153567 ('QMSUK') and (4) QBE Underwriting Services (UK) Limited, no. 02262145 ('QSUK'), all four companies having
          their registered offices at 30 Fenchurch Street, London, EC3M 3BD, and being incorporated in England and Wales. QBE Europe is authorised by the National Bank
          of Belgium under licence number 3093. QBE UK and QUL are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority
                                                                                                Page 15 of 15
          and the Prudential Regulation Authority. QUL is a Lloyd's managing agent. QMSUK and QSUK are both Appointed Representatives of QBE Europe and QUL.]]></page><page Index="188"><![CDATA[PPBL010121                                        Exclusive
                                       Public Authority Combined

                                       Liability Insurance Policy

                                       Underwritten by QBE










































                                        This policy is available to the public and education
                                        sector exclusively through RMP.
                                        As your insurance partner we regularly review
                                        cover available in the market to ensure that you are
                                        suitably protected.









                  Risk Management Partners
                  rmpartners.co.uk]]></page><page Index="189"><![CDATA[Public Authority



                        Combined Liability



                        Insurance (UK) Policy]]></page><page Index="190"><![CDATA[Contents


                        1  Our agreement in general ................................................................................ 3
                        2  Insured section A - Employers’ liability ............................................................. 4

                        3  Insured section B - Public liability ................................................................... 10
                        4  Insured section C - Products liability............................................................... 13
                        5  Insured section D - Pollution liability ............................................................... 14

                        6  Insured section E – Coverage extensions to insured sections B, C and D ....... 16
                        7  Exclusions to insured sections B, C, D and E ................................................. 22
                        8  Insured section F - Premises environmental liability ........................................ 27

                        9  Duties in the event of a claim or potential claim .............................................. 30
                        10  General terms and conditions ........................................................................ 33
                        11  General definitions and interpretation ............................................................. 39

                        12  How to Complain ........................................................................................... 48























































               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 2 of 48]]></page><page Index="191"><![CDATA[1        Our agreement in general

               1.1      Parties to this agreement
                        This policy is between the insured and the insurer as declared in the schedule. This
                        document, together with its schedule and any attached endorsements is the policy which
                        sets out this insurance. It is a legal contract so please read all of it carefully.

               1.2      Words in bold
                        Words in bold typeface used in this policy document, other than in the headings,  have
                        specific meanings attached to them as set out in the General definitions and interpretation.

               1.3      Policy structure

               1.3.1    The insured sections set out the scope of main coverage and the circumstances in which
                        the insurer’s liability to the insured is limited or may be excluded. Further, each insured
                        section sets out other terms and conditions. The cover by each insured section is only
                        operative if stated as ‘insured’ in the  schedule. Where any schedule heading or sub-
                        heading states ‘n/a’, ‘not applicable’ or ‘not insured’ then no cover applies for that item.
               1.3.2    Additional clauses set out terms, exclusions or limitations that may apply to more than one
                        insured section.
               1.3.3    The following general terms apply to all insured sections, clauses and endorsements:
                        a)  claims handling terms and conditions;
                        b)  general terms and conditions;
                        c)  general definitions and interpretations; and
                        d)  complaints.

               1.4      Period of insurance and premium

               1.4.1    The policy will provide insurance as described herein for the period of insurance provided
                        the premium and other charges are paid to and accepted by the insurer on or before the
                        payment date shown in the schedule. Taxes, levies and other relevant fiscal charges are
                        payable in addition to the premium.
               1.4.2    The  premium  is  deemed  paid  and  accepted  on  receipt  by  the  insurer or the broker
                        appointed to place this insurance with the insurer.
               1.4.3    If any premium (including the instalment of premium) is not paid and accepted by the insurer
                        on or before its payment date shown in the schedule the insurer can give written notice to
                        the insured at its address shown on the schedule, cancelling the policy with effect from the
                        seventh (7th) day after the notice has been served, but that cancellation will be prevented
                        from taking effect and the policy continue if the late premium instalment and any other
                        remaining premium instalments are paid and accepted before the cancellation takes effect.
                        Without prejudice to other forms of service, notice of cancellation is deemed to be served on
                        the third (3rd) day after being posted if sent by pre-paid letter post properly addressed.






















               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 3 of 48]]></page><page Index="192"><![CDATA[2        Insured section A - Employers’ liability

               2.1      Employers’ liability cover

               2.1.1    The insurer agrees to indemnify the insured for all sums that the insured will become
                        legally liable to pay as damages or compensation, including claimant costs recoverable from
                        the insured, arising out of bodily injury caused during the period of insurance to an
                        employee who, at the time of the cause, was working in the course of employment by the
                        public  authority  in  the  business  except  that  where  such  employment is undertaken
                        temporarily outside the United Kingdom:
                        a)  the employee must be intending to return to the United Kingdom following completion
                           of the temporary overseas employment; and
                        b)  the temporary overseas employment outside the United Kingdom is not intended or
                           planned to exceed twelve (12) months duration; and
                        c)  any temporary overseas employment undertaken in North America applies only to
                           clerical, promotional, sales conference attendance and other similar non-manual work.

               2.1.2    Unless expressly stated to the contrary, cover granted by any clause or any endorsement to
                        this policy does not increase the limit of indemnity. Any sub-limit of indemnity stated
                        forms part of and is not additional to the limit of indemnity.
               2.2      Employers’ liability defence costs

               2.2.1    Following any event which is or may be the subject of indemnity under the ‘Employers’
                        liability cover’ clause above whether or not bodily injury has occurred the insurer agrees to
                        indemnify the insured for defence costs but such defence costs form part of the limit of
                        indemnity and do not increase the limit of indemnity or any sub-limit of indemnity.

               2.2.2    This indemnity is subject to the exclusion ‘Defence costs incurred without the insurer’s
                        consent’.
               2.3      Employers’ liability extensions

               2.3.1    Contractual liability
                        Where any contract or agreement entered into by the insured so requires the insurer will
                        indemnify  the insured against liability arising in connection with and assumed by the
                        insured by virtue of such contract or agreement but only so far as concerns liabi lity as
                        defined in this insured section to employees of the insured provided that the terms and
                        conditions of this insurance will apply as far may be practicable.

               2.3.2    Cross liabilities
                        For each legal entity comprising the insured, the insurer will separately indemnify each
                        party as if a separate policy had been issued to each. Where claims are made against any
                        such insured by any other insured, the insurer's total liability to all parties will not exceed
                        the limit of indemnity or any applicable sub-limit of indemnity.
               2.3.3    Data Protection
                        The insurer will indemnify the public authority and, if the public authority so requires, any
                        employee in respect of their liability to pay:

                        a)  any valid compensation, including any associated defence costs, in respect of:
                           i.   damage or distress under section 13 of Part II of the Data Protection Act 1998
                                (‘DPA’),  or  any  equivalent  provision  under  any  subsequent  amending  or
                                replacement legislation; or

                           ii.   material or non-material damage under Article 82 of the General Data Protection
                                Regulation (‘GDPR’),

                            first occurring during the period of insurance and resulting in a claim or claims brought
                            by any employee and notified to the insurer during the period of insurance; and



               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 4 of 48]]></page><page Index="193"><![CDATA[b)  defence costs in relation to a prosecution commenced during the period of insurance
                           under the DPA, any subsequent amending or replacement legislation or the GDPR and
                           incurred with the prior written consent of the insurer.
                        This extension shall not apply in respect of:

                        a)  the cost of replacing, reinstating, rectifying or erasing any personal data;
                        b)  any cost relating to the investigation of a data breach, or any obligation to report a data
                            breach to the Information Commissioner’s Office or any other supervisory authority or
                            other regulator or to data subjects;
                        c)   liability caused by or arising from a deliberate act by or omission of any party entitled to
                            indemnity under this policy, the effect of which would knowingly result in liability under
                            the DPA, or any subsequent amending or replacement legislation, or the GDPR but this
                            exclusion shall not apply to the liability of the public authority in respect of a deliberate
                            or intentional act by or omission of any employee or any other individual person;
                        d)  claims which arise out of circumstances that are notified to any previous insurer or
                            known to the insured at inception of this policy;
                        e)  liability for which indemnity is provided under any other insurance; or
                        f)   claims or prosecutions brought against the insured outside the Courts of the United
                            Kingdom.
               2.3.4    Indemnity to other parties
                        At the request of the public authority, the insurer will separately indemnify each other
                        insured party provided that the:
                        a)  public authority would have been entitled to indemnity by this policy had the claim or
                           suit been made against the public authority;
                        b)  insurer has the sole conduct and control of any claim;
                        c)  other insured party shall, as though he were the public authority, observe, fulfil and
                           be subject to the terms and conditions of this policy in so far as they can apply;
                        d)  insurer’s liability under this clause shall in no way operate to increase the limit of
                           indemnity or any applicable sub-limit of indemnity.

               2.3.5    Medical treatment
                        This  insurance  extends  to  indemnify  the  public  authority  and  any  qualified medical
                        practitioner or health care practitioner employed by the public authority in respect of liability
                        to any person under a contract of service or apprenticeship with the public authority
                        resulting from treatment given provided that:
                        a)  any such qualified medical practitioner or health care practitioner shall, as though they
                           were the insured, be subject to the terms of this policy so far as they can apply; and
                        b)  the indemnity granted by this clause shall not apply where there is any other valid or
                           collectible insurance available to the public authority, the qualified medical practitioner
                           or  health  care  practitioner nor shall this insurance contribute to any other valid or
                           collectible insurance.
               2.3.6    Offshore activities
                        The insurance by this insured section is extended to cover liability to an employee for
                        bodily injury caused by visits, work or activities undertaken  offshore except that the
                        insurer shall not be liable to pay any amount in excess of a sub-limit of indemnity stated in
                        the schedule in respect of:
                        a)  any one claim against the insured or series of claims against the insured; and
                        b)  any claim or series of claims made by the insured under this insured section;
                        arising out of one occurrence.

               2.3.7    Principals
                        The  insurer  will  indemnify  any  party  including  any  principal  whom  under contract or
                        agreement the insured has agreed to indemnify and/or insure but only to the extent required
                        by such contract or agreement and only to the extent that liability arises solely out of the
                        work performed for the principal by or on behalf of the insured and provided that:



               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 5 of 48]]></page><page Index="194"><![CDATA[a)  such party shall, as though they were the insured, observe, fulfil and be subject to the
                           terms and conditions of this policy in so far as they can apply; and
                        b)  the insurer’s liability under this clause shall in no way operate to increase the limit of
                           indemnity or any applicable sub-limit of indemnity.
                        and, for the avoidance of doubt, to the extent only of the indemnity provided by this insured
                        section.
               2.3.8    Schools governing bodies
                        For the purposes of this extension the definition of insured is amended to include the
                        governing body for the time being of any school that is specifically listed in the schedule,
                        provided that:
                        a)  if at the time of any claim under this policy there is any other valid and collectible
                           insurance available to the governing body (other than any insurance that is specifically
                           stated to be in excess of this policy) then the insurance afforded by this policy will be in
                           excess of and will not contribute with such other insurance. If the other insurance is
                           provided by the insurer or by another company/entity within the QBE group, then the
                           total limit of indemnity available from this policy shall be reduced by the limit of
                           indemnity of the other insurance.
                        b)  the amount of the retention shall be paid by the insurer but the public authority shall
                           upon  request  from  the  insurer  promptly  but  in  any  event  within  thirty  (30)  days
                           reimburse the insurer for any amounts so paid in respect of the retention.
               2.3.9    Statutory defence costs including Health and Safety At Work, etc. Act 1974
                        The insurer agrees to indemnify the public authority and at the request of the public
                        authority, any other insured party, in respect of legal defence costs reasonably incurred
                        in defending:
                        a)  any alleged breach of statutory duty (including any prosecution brought under sections
                           2 to 8 of the Health and Safety at Work, etc. Act 1974, Health and Safety at Work
                           (Northern Ireland) Order 1978 or similar legislation in the Isle of Man or the Channel
                           Islands) or criminal proceedings brought; and / or
                        b)  any alleged breach of statutory duty under the Protection from Harassment Act 1997;
                           and/or
                        c)  allegations  (whether  under  common  law  or  statute)  of  manslaughter,  corporate
                           manslaughter or corporate homicide made against the insured or any other insured
                           party;
                        provided that the prosecution or proceedings relate to:
                           i)  an offence alleged to have been committed during the period of insurance and in
                               the course of business;
                           ii)  bodily injury to or potential bodily injury to employees including their health,
                               safety and welfare;
                        d)  The insurer will also pay to the insured:
                           i)  defence costs of appeal including appeal against improvement and prohibition
                               notices incurred with the prior consent of the insurer;
                           ii)  prosecution costs awarded against the insured.
                        e)  The indemnity by this clause excludes and does not cover any amount (including
                           defence costs):
                           i)  for which the public authority or any other insured party is entitled to indemnity by
                               any other legal expenses, motor or employment protection policy;
                           ii)  any  amount  in  excess  of  the  amount  shown  in  the  schedule  as  the limit of
                               indemnity for this insured section, for any one claim or series of claims arising out
                               of the same prosecution or proceedings, provided that any amounts paid under this
                               extension count towards and are not additional to the limit of indemnity for this
                               insured section.







               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 6 of 48]]></page><page Index="195"><![CDATA[2.3.10   Transfer  of  Undertakings  (Protection  of  Employment)  Regulations  2006  (TUPE)
                        liability
                        The insurer agrees to indemnify the insured for liability incurred by virtue of the Transfer of
                        Undertakings (Protection of Employment) Regulations 2006 in respect of bodily injury
                        caused after 6  April 2006 but prior to the date on which:
                                     th
                        a)  any subsidiary is included and forms part of the insured; or
                        b)  there is a relevant transfer of any economic entity as defined by the legislation;
                        for which a claim is first made in writing to the insured during the period of insurance. The
                        indemnity provided by this extension
                           i)  shall only apply in so far as the insured is unable to obtain indemnity under any
                               previous policy of insurance in respect of such bodily injury;
                           ii)  shall only apply to any business undertaken by the insured or their predecessors in
                               business;
                           iii)  is conditional upon any claim notified under this clause being treated as having
                               occurred in the year of notification;
                           iv)  shall only apply on condition that before making a claim the insured (or another
                               insured party) agrees to be bound by this policy (other than premium in respect of
                               the other insured party) as if it were the insured.
                           v)  excludes and does not provide an indemnity from the date of sale or disposal in the
                               event of the sale or disposal of any subsidiary company or economic unit which
                               constitutes a relevant transfer under the legislation.
               2.3.11   Unsatisfied court judgments
                        In the event of a judgment for damages being obtained during the period of insurance:
                        a)  by any employee or the personal representatives of any employee in respect of bodily
                           injury to such employee that arises out of and in the course of his employment by the
                           public authority in the business, against any person operating from premises in the
                           European Economic Area; and
                        b)  which remains unsatisfied in whole or in part six (6) months after the date of such
                           judgment;
                        c)  in any court of law except a court operating under the laws of North America;
                        then at the insured’s request, the insurer will pay the amount of damages or costs awarded
                        to the employee or the personal representatives of the employee to the extent that they
                        remain unsatisfied provided that:
                           i)  there is no appeal outstanding; and
                           ii)  the judgment relates to bodily injury which would otherwise be indemnified by this
                               insured section; and
                           iii)  the insurer will be entitled to take over and prosecute for its own benefit any claim
                               against  any  other  person  and  the  insured,  the  employee  or  the  personal
                               representatives  of  the  employee  will  give  the  insurer all the information and
                               assistance the insurer may require.
               2.3.12   War and terrorism
                        The insurance by this insured section is extended to cover liability to an employee arising
                        from or caused by an act of war or terrorism except that the insurer shall not be liable to
                        pay any amount in excess of a sub-limit of indemnity for war and terrorism stated in the
                        schedule in respect of:
                        a)  any one claim against the insured or series of claims against the insured; and
                        b)  any claim or series of claims made by the insured under this insured section;
                        arising out of one occurrence.
               2.3.13   Waiver of subrogation
                        In respect of contracts or agreements which impose upon the insured conditions waiving the
                        rights of the insured to recover from any other party, the insurer agrees to the extent
                        required by such contract or agreement to waive any rights of subrogation to which they




               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 7 of 48]]></page><page Index="196"><![CDATA[might otherwise have been entitled in such circumstances in respect of any payments which
                        they may make under this policy.
                        Further, where requested by the insured, the insurer will waive all rights of subrogation
                        against a subsidiary of the insured or from a subsidiary against the parent.
                        For the purpose of this clause, subrogation means the right of the insurer who has granted
                        indemnity to take over any recovery rights the insured may have against third parties liable
                        for the same loss.

               2.4      Employers’ liability limitations and exclusions
                        This insured section excludes and does not cover:

               2.4.1    Data Protection liabilities
                        liability which arises under the Data Protection Act 1998 (‘DPA’), any subsequent amending
                        legislation or the General Data Protection Regulation other than as provided for by the ‘Data
                        Protection’ extension clause.
               2.4.2    Defence costs incurred without the insurer’s consent
                        any defence costs for which the insurer’s prior written consent has not been obtained (as
                        provided for in the definition of defence costs).
               2.4.3    Employment practices dispute
                        liability which arises out of employment practice disputes directly or indirectly related to
                        employment or prospective employment of any person or persons by the insured including
                        but not limited to:
                        a)  wrongful unfair or constructive dismissal;
                        b)  denial of natural justice, defamation, misleading representation or advertising;
                        c)  refusal to employ a suitably qualified applicant or failure to promote;
                        d)  coercion,  demotion,  evaluation,  relocation,  punishment,  slander,  humiliation,
                           harassment, bullying or discrimination
                        but this exclusion shall not apply in respect of compensatory damages for bodily injury
                        required by the Employers’ Liability (Compulsory insurance) Regulations 1998.

               2.4.4    Fees for intervention
                        any payments raised under the Health and Safety (Fees) Regulations 2012 relating to ‘fees
                        for intervention’.
               2.4.5    Fines and penalties
                        liability for payment of any fines or penalties imposed or ordered to be paid.
               2.4.6    Limit of indemnity
                        liability in excess of the limit of indemnity stated in the schedule.
               2.4.7    North American jurisdiction
                        liability for payment of any judgment, award, payment or settlement made (or to any order
                        made anywhere in the world to enforce such judgment, award, payment or settlement either
                        in whole or in part) within countries which operate under the laws of North America to:
                        a)  any party incorporated, domiciled or resident in North America;
                        b)  pay any sum in excess of a limit of indemnity which sum shall be the maximum amount
                           payable including any defence costs recoverable hereunder;
                        c)  pay punitive, multiple or exemplary damages.
               2.4.8    Nuclear hazards
                        liability that attaches by or arising from the terms of any contract (other than contracts of
                        employment  between the insured and its employees) or agreement for bodily injury
                        caused by nuclear hazards.







               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 8 of 48]]></page><page Index="197"><![CDATA[2.4.9    Offshore
                        liability which arises directly or indirectly out of or caused by visits, work or activities
                        undertaken offshore except that this exclusion shall not apply in respect of and to the extent
                        of the indemnity provided by the ‘Offshore activities’ extension clause.

               2.4.10   Road traffic legislation
                        liability for bodily injury sustained by an employee when the employee is
                        a)  being carried in or upon a vehicle; or
                        b)  entering or getting onto or alighting from a vehicle
                        in circumstances where insurance or security is required to be effected by the insured to
                        comply with the Road Traffic Act 1988 as amended by The Motor Vehicles (Compulsory
                        Insurance) Regulations 1992 or any alteration to such regulations or any similar legislation
                        applying to Northern Ireland, the Isle of Man or the Channel Islands or to any other territory
                        consequent on the Third Council Directive 90/232/EEC of 14/05/1990 relating to insurance
                        against civil liability in respect of the use of motor vehicles or in circumstances where such
                        insurance or security would have been required but for the insured being exempted from
                        such requirements under the terms of the legislation.
               2.4.11   War or terrorism
                        liability which arises directly or indirectly out of or caused by war or terrorism except that
                        this exclusion shall not apply in respect of and to the extent of the indemnity provided by the
                        ‘War and terrorism’ extension clause.
               2.4.12   Workman’s compensation or social security payment
                        any obligation for which the insured or insurer may be held liable under any workers’
                        compensation law, legislation, regulation or policies or obligation to maintain healthcare,
                        social security or similar finding but this exclusion will not apply to payments required to be
                        made to the Compensation Recovery Unit or its successor.

               2.5      Other employers’  liability terms and conditions
               2.5.1    Conflict of interest
                        In the event of a conflict of interest between the public authority and any other insured
                        party indemnified by this insurance, separate representation will be arranged for each party.








































               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 9 of 48]]></page><page Index="198"><![CDATA[3        Insured section B - Public liability

               3.1      Public liability cover
                        The insurer agrees to indemnify the insured by the terms of this insured section against
                        legal liability to pay damages or compensation, including claimant costs recoverable from the
                        insured, as a result of personal injury, damage, denial of access or nuisance that occurs
                        during the period of insurance and arises out of and in connection with the business.
               3.2      Public liability defence costs

               3.2.1    North American jurisdiction
                        Where any clause or endorsement to this policy extends cover to apply to North American
                        jurisdiction, the insurer agrees to indemnify the insured for defence costs but the said
                        defence costs count towards and are not additional to the limit of indemnity.

               3.2.2    All other jurisdictions
                        a)  For claims not involving North American jurisdiction, the insurer agrees to indemnify
                           the insured for defence costs but the said defence costs are payable in addition to
                           and do not count towards the limit of indemnity.
                        b)  Where payment exceeding the limit of indemnity has to be made to dispose of a claim,
                           the insurer’s liability for defence costs shall be limited to such proportion of the said
                           defence costs as the limit of indemnity bears to the total amount paid to dispose of
                           the claim.

               3.2.3    All jurisdictions
                        This indemnity is subject to the exclusion ‘Defence costs incurred without the insurer’s
                        consent’.
               3.3      Public liability extensions
               3.3.1    Data Protection

                        The insurer will indemnify the public authority and, if the public authority so requires, any
                        director, partner or employee in respect of their liability to pay:

                        a)   any valid compensation, including any associated defence costs, in respect of:

                            i.   damage or distress under section 13 of Part II of the Data Protection Act  1998
                                (‘DPA’),  or  any  equivalent  provision  under  any  subsequent  amending  or
                                replacement legislation; or

                            ii.   material or non-material damage under Article 82 of the General Data Protection
                                Regulation (‘GDPR’),
                            first occurring during the period of insurance and resulting in a claim or claims brought
                            by any person not being a director, partner or employee and notified to the insurer
                            during the period of insurance; and

                        b)   defence costs in relation to a prosecution commenced during the period of insurance
                            under the DPA, any subsequent amending or replacement legislation or the GDPR and
                            incurred with the prior written consent of the insurer.
                        This extension shall not apply in respect of:

                        a)  the cost of replacing, reinstating, rectifying or erasing any personal data;
                        b)  any cost relating to the investigation of a data breach, or any obligation to report a data
                            breach to the Information Commissioner’s Office or any other supervisory authority or
                            other regulator or to data subjects;
                        c)   liability caused by or arising from a deliberate act by or omission of any party entitled to
                            indemnity under this policy, the effect of which would knowingly result in liability under
                            the DPA, or any subsequent amending or replacement legislation, or the GDPR but this



               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 10 of 48]]></page><page Index="199"><![CDATA[exclusion shall not apply to the liability of the public authority in respect of a deliberate
                            or intentional act by or omission of any employee or any other individual person;
                        d)  claims which arise out of circumstances that are notified to any previous insurer or
                            known to the insured at inception of this policy;
                        e)  liability for which indemnity is provided under any other insurance; or
                        f)   claims or prosecutions brought against the insured outside the Courts of the United
                            Kingdom.
                        The insurer’s maximum liability during the period of insurance in respect of all claims
                        under this extension shall not exceed the sub-limit stated in the schedule, which amount
                        shall be inclusive of all defence costs and shall be part of and not in addition to the limit of
                        indemnity specified in the schedule.

               3.3.2    Defective Premises Act 1972
                        The insurance provided by this insured section is extended to indemnify the insured
                        against any liability incurred by the insured by virtue of Section 3 of the Defective Premises
                        Act, 1972 or Section 5 of the Defective Premises Act (Northern Ireland) Order 1975 or any
                        amendment thereto in connection with premises that have been disposed of by the insured,
                        except that the insurer will not be liable to provide an indemnity for the cost of remedying
                        any defect or alleged defect in such premises.
               3.3.3    Libel and slander
                        The insurer will indemnify the insured against legal liability arising from any claim or claims
                        first made against the insured and reported to the insurer during the period of insurance
                        stated in the schedule or within 28 days of the expiry of the period of insurance in respect
                        of libel or slander (or in Scotland defamation) committed by:
                        a)  the insured;
                        b)  any person at any time employed by the insured;
                        provided that
                        c)  such libel, slander or defamation has been committed in the conduct of the business as
                           stated in the schedule;
                        d)  this extension excludes libel or slander (or defamation)
                           i)  made by or at the direction of the public authority or any person with knowledge of
                               the defamatory nature of the acts or omissions giving rise to a claim of libel, slander
                               or defamation;
                           ii)  made by any person acting outside the scope of their authority;
                        e)  this extension excludes any amount in respect of liquidated damages or penalties which
                           attach solely because of a contract or agreement, or fines; and
                        f)  the insurer shall not be liable to pay any amount in excess of a sub-limit of indemnity
                           stated in the schedule, any one claim or series of claims arising out of the same
                           libellous, slanderous or defamatory statement and in the aggregate for all claims during
                           the period of insurance.
               3.3.4    Temporary business trips overseas
                        At the request of the insured, this insured section is extended to indemnify the insured
                        and any employee or member of the insured (including their family or persons normally
                        resident with them) against legal liability as described in Public liability cover above but
                        incurred whilst outside the United Kingdom provided that:
                        a)  legal liability is incurred in a personal capacity whilst undertaking a business trip;
                        b)  such temporary business trip outside the United Kingdom does not exceed twelve (12)
                           months;
                        c)  such liability does not arise out of the ownership or occupation of land or buildings.
               3.4      Public liability limitations and exclusions

                        In addition to the limitations and exclusions in the ‘Exclusions to insured sections B, C, D and
                        E’ clause, this insured section excludes and does not cover:




               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 11 of 48]]></page><page Index="200"><![CDATA[3.4.1    Libel and slander
                        liability arising from any claim or claims in respect of libel, slander or defamation except that
                        this exclusion shall not apply in respect of and to the extent of the indemnity provided by the
                        Libel and slander extension;

               3.4.2    Materials prior to installation
                        damage to materials, parts or equipment furnished in connection with performance of the
                        work away but this limitation shall not be applied to products previously supplied under any
                        previous contract;
               3.4.3    Pollution and products
                        liability arising from personal injury, damage, denial of access or nuisance arising out of or
                        from or:
                        a)  brought about by or contributed to by pollution;
                        b)  in connection with a product;

               3.4.4    Rectification of defective work
                        a)  damage to; or
                        b)  any expenditure incurred by the insured for the removal, repair, adjustment, alteration,
                           reinstatement, withdrawal, inspection or disposal of
                        any property (including any part of the property) furnished in connection with performance of
                        work away as a result of any defect (suspected or known) therein or any unsuitability for its
                        intended purpose.























































               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 12 of 48]]></page><page Index="201"><![CDATA[4        Insured section C - Products liability

               4.1      Products liability cover
                        The insurer agrees to indemnify the insured by the terms of this insured section against
                        legal liability to pay damages or compensation, including claimant costs recoverable from the
                        insured as a result of personal injury, damage, denial of access or nuisance that occurs
                        during the period of insurance and arising out of or in connection with a product.
               4.2      Products liability defence costs

               4.2.1    North American jurisdiction
                        Where any clause or endorsement to this policy extends cover to apply to North American
                        jurisdiction, the insurer agrees to indemnify the insured for defence costs but the said
                        defence costs count towards and are not additional to the limit of indemnity.

               4.2.2    All other jurisdictions
                        a)  For claims not involving North American jurisdiction, the insurer agrees to indemnify
                           the insured for defence costs but the said defence costs are payable in addition to
                           and do not count towards the limit of indemnity.
                        b)  Where payment exceeding the limit of indemnity has to be made to dispose of a claim,
                           the insurer’s liability for defence costs shall be limited to such proportion of the said
                           defence costs as the limit of indemnity bears to the total amount paid to dispose of
                           the claim.

               4.2.3     All jurisdictions
                        This indemnity is subject to the exclusion ‘Defence costs incurred without the insurer’s
                        consent’.
               4.3      Products liability extensions
                        Not applicable to this insured section C.

               4.4      Products liability limitations and exclusions
                        In addition to the limitations and exclusions applicable in the ‘Exclusions to insured sections
                        B, C, D and E’ clause, this insured section excludes and does not cover:
               4.4.1    Aircraft
                        liability arising from any product or part thereof which, with the insured’s knowledge, is
                        intended to be incorporated into the structure, machinery or controls of any aircraft or other
                        aerial device or satellite.

               4.4.2    Pollution
                        liability arising out of or from or brought about by or contributed to by pollution.



























               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 13 of 48]]></page><page Index="202"><![CDATA[5        Insured section D - Pollution liability

               5.1      Pollution liability
                        The insurer agrees to indemnify the insured by the terms of this insured section against
                        legal liability to pay damages or compensation, including claimant costs recoverable from the
                        insured arising from personal injury, damage, denial of access or nuisance occurring in
                        its entirety during the period of insurance arising out of or from pollution, provided that
                        such pollution:
                        a)  arises solely out of the course of the business; and
                        b)  is the direct result of a sudden, specific and identif iable event occurring during the
                           period of insurance.

               5.2      Pollution liability defence costs

               5.2.1    Except for any matter relating to  North American jurisdiction, the insurer agrees to
                        indemnify the insured for defence costs which are payable in addition to and do no t count
                        towards the limit of indemnity.
               5.2.2    Where payment exceeding the limit of indemnity has to be made to dispose of a claim, the
                        insurer’s liability for defence costs shall be limited to such proportion of the said defence
                        costs as the limit of indemnity bears to the total amount paid to dispose of the claim.
               5.2.3    This indemnity is subject to the exclusion ‘Defence costs incurred without the insurer’s
                        consent’.
               5.3      Pollution liability extensions

               5.3.1    Environmental statutory liability
                        The insurance provided by this insured section is extended to indemnify the insured for all
                        sums, including statutory debts, that the insured is legally liable to pay or legally obliged to
                        incur for remediation in respect of environmental damage where such liability arises under
                        an environmental protection directive, statute or statutory instrument, provided that:
                        a)  liability arises from pollution occurring during the course of business, within a state of
                           the  European  Union  and  is  caused  by  a  sudden,  identifiable,  unintended  and
                           unexpected incident that takes place in its entirety at a specific moment in time and
                           place during the period of insurance;
                        b)  the insurance by this extension excludes and does not cover any sum incurred in respect
                           of:
                           i)  preventative costs for prevention of imminent threat of environmental damage;
                           ii)  primary, complementary or compensatory remediation for damage;
                           iii)  the removal of any significant risk of an adverse effect on human health;
                           to or on the insured’s land, premises, watercourse or body of water whether owned,
                           leased, hired, tenanted or otherwise in the insured’s care, custody or control;
                        c)  the insurance by this extension excludes and does not cover any sum incurred in
                           achieving any improvement or alteration in the condition of the land, the atmosphere or
                           any  watercourse  or  body  of  water  beyond  that  required  under  any  relevant  and
                           applicable law or statutory enactment at the time remediation commences; and
                        d)  the total amount payable by the insurer inclusive of all defence costs for any one
                           occurrence or in the aggregate during any one period of insurance shall not exceed the
                           sub-limit of indemnity as stated in the schedule (but if no sub-limit is shown in the
                           schedule the amount of the sub-limit shall be GBP 5,000,000);
                        and provided also that the exclusion in proviso b) i) above shall not apply to preventative
                        costs that are incurred with the insurer’s written consent that must be obtained prior to
                        each claim, where a pollution event is taking place or has occurred and such preventative
                        costs relate solely to halt or limit further pollution to third party property except that nothing
                        in this clause shall imply that the insurer will indemnify the insured for preventative costs
                        relating to the insured’s own land, premises or watercourse or body of water.



               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 14 of 48]]></page><page Index="203"><![CDATA[5.3.2    Legionella
                        Notwithstanding exclusion ‘Legionella’, the insurer will indemnify the insured and any other
                        insured party for all sums (including claimants’ costs and expenses) which the insured
                        becomes legally liable to pay in respect of any claim(s) first made against the insured and
                        notified to the insurer during the period of insurance resulting from legionella causing
                        bodily injury, personal injury, damage or denial of access except that the insurer shall
                        not be liable for:
                        a)  any claims which arise out of any circumstances notified to previous insurers or known to
                           the insured at the inception of this policy;
                        b)  any claims for bodily injury or personal injury arising from employment;
                        c)  any claims made against the insured for legionella where the insured event giving rise
                           to the claim happened prior to the inception date stated in the schedule.
               5.4      Pollution liability limitations and exclusions
                        In  addition  to the limitations and exclusions applicable to this  insured section in the
                        ‘Exclusions to insured sections B, C, D and E’ clause, this insured section excludes and
                        does not cover:

               5.4.1    Owned or previously owned premises
                        liability for damage, denial of access or nuisance to land or premises (including land or
                        water within or below the boundaries of such land or premises) that are presently or were at
                        any time previously owned, leased, hired or tenanted by the insured or otherwise in the
                        insured’s care, custody or control.






















































               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 15 of 48]]></page><page Index="204"><![CDATA[6        Insured section E – Coverage extensions to insured sections
                        B, C and D

               6.1      Asbestos accidental discovery
               1.       The insurer will indemnify the insured against legal liability to pay damages or
                        compensation including claimants’ costs recoverable from the insured arising from any
                        claim first made against the insured during the period of insurance for personal injury,
                        damage or nuisance, caused at any time after the inception date of the period of
                        insurance, following the accidental discovery of asbestos or asbestos containing materials.
               2.       The insurer agrees that any circumstance notified to the insurer during the period of
                        insurance which subsequently gives rise to a claim after expiry of the period of insurance
                        shall be deemed to be a claim first made during the period of insurance.
               3.       The insurance  by this extension excludes and does not cover:
                         a)   personal injury, damage or nuisance arising from any subsequent
                               activities related or connected to dealing with the asbestos and/or asbestos
                               containing materials once discovered, which shall be carried out by
                               qualified licensed sub-contractors on terms which indemnify the insured
                               for liability arising out of such work;
                         b)   personal injury, damage or nuisance caused by the exposure
                               to asbestos or asbestos containing materials occurred on or before
                              the inception date of the period of insurance;
                         c)   any claim arising directly or indirectly out of a circumstance or
                               event of which the insured was aware before the effective date of
                               this Asbestos accidental discovery clause; or
                         d)   any claim arising directly or indirectly out of the diminution in the
                               value of property or loss of or potential loss of rental income or any
                               other consequential loss (including business interruption) whatever
                               and howsoever arising.
               4.       Any claim for damages or compensation including claimant costs recoverable from the
                        insured and defence costs in excess of the sub-limit of indemnity of GBP 1,000,000
                        which sum shall be the maximum the insurer will pay in the aggregate during any one
                        period of insurance.
               6.2      Contractual liability
                        Subject always to the exclusions ‘North American jurisdiction’ and ‘North American territory ’,
                        where any contract or agreement entered into by the insured so requires the insurer will
                        indemnify the insured against liability arising from obligations undertaken by the insured by
                        virtue of such contract or agreement but only to the extent of the indemnity defined in these
                        insured sections provided that the terms and conditions of this insurance will apply as far
                        as may be practicable.
               6.3      Cross liabilities
                        For each legal entity comprising the insured, the insurer will separately indemnify each
                        party as if a separate policy had been issued to each. Where claims are made against any
                        such insured by any other insured, the insurer’s total liability to all parties will not exceed
                        the limit of indemnity or any applicable sub-limit of indemnity.
               6.4      Hirers’ liability

               6.4.1    At the request of the public authority the insurer will indemnify any hirer as an other
                        insured party in respect of liability arising out of or from:
                        a)  personal injury to any person (other than personal injury to an employee of the hirer
                           arising out of and in the course of employment by the hirer);
                        b)  damage to the premises (including contents therein) hired from the public authority;
                        c)  damage to any other property not belonging to the hirer nor in the care, custody or
                           control of the hirer or any person in the hirer’s service;


               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 16 of 48]]></page><page Index="205"><![CDATA[occurring during the period of insurance at the premises hired from the public authority
                        arising out of the activities of the hirer for which such premises were hired
                        provided that
                        d)  the insurer shall not be liable to pay any amount for which indemnity to the hirer is
                           provided under any other insurance or in any other way;
                        e)  the insurer shall not be liable to pay any amount in excess of a sub-limit of indemnity
                           stated in the schedule in respect of any one claim against the hirer or series of claims
                           against the hirer arising out of one occurrence;
                        f)  liability for which indemnity to the principal is provided under any other i nsurance or in
                           any other way is excluded;
                        g)  the retention applicable to such indemnity is as stated in the schedule and all of this
                           retention shall be a non-ranking excess;
                        h)  any claim for personal injury or damage arising out of the use of the premises for any
                           of the following activities or purposes is excluded:
                           i)  for meetings organised by political parties;
                           ii)  for professional entertainment purposes;
                           iii)  for commercial or business functions which involve bringing into the premises
                               equipment which operates by means of the application of heat;
                           iv)  for martial arts activities; or
                           v)  for any sporting activity but only in respect of personal injury or damage suffered
                               by one participant that was caused by another participant.
                        i)  any claim for personal injury or damage arising out of the use of or caused by use of
                           any aircraft or other aerial device or satellite or vehicle or any watercraft is excluded.

               6.5      Indemnity to other parties
                        At the request of the insured, the insurer will separately indemnify each other insured
                        party provided that the:
                        a)  insured would have been entitled to indemnity by this policy had the claim or suit been
                           made against the insured;
                        b)  insurer has the sole conduct and control of any claim;
                        c)  other insured party shall as though he were the insured observe, fulfil and be subject
                           to the terms and conditions of this policy in so far as they can apply;
                        d)  insurer’s liability under this clause shall in no way operate to increase the limit of
                           indemnity or any applicable sub-limit of indemnity.
               6.6      Local Authority National Type Approval Confederation (LANTAC)
                        The insurer will indemnify the public authority in respect of liability which the insured shall
                        become legally liable to pay by virtue of any indemnity provided in respect of the insured’s
                        participation in the Local Authority National Type Approval Confederation.

               6.7      Local Democracy,  Economic Development  and Construction Act 2009
                        The insurer will indemnify the insured and any other insured party in respect of liability
                        which the insured may incur in respect of any claim(s) first made against the insured during
                        the period of insurance for claimants’ costs and expenses as a result of any decision by an
                        adjudicator appointed to resolve a dispute in accordance with the Scheme for Construction
                        Contracts as contained in the Local Democracy, Economic Development and Construction
                        Act  2009  (formerly  Housing  Grants,  Construction  and  Regeneration  Act  1996)  or  an
                        adjudication clause or rules contained in a contract.
               6.8      Motor liability

               6.8.1    Notwithstanding the exclusion ‘Ownership or use of mechanically propelled vehicles’, the
                        insurer agrees to indemnify the public authority and any other insured party in respect of
                        liability arising out of or from:
                        a)  the use or movement of any mechanically propelled vehicle as a tool or plant;



               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 17 of 48]]></page><page Index="206"><![CDATA[b)  the loading or unloading of any mechanically propelled vehicle or trailer when carried out
                           beyond the limits of any carriageway or thoroughfare but this extension shall not apply to
                           damage to any property being loaded or unloaded;
                        c)  the movement of any mechanically propelled vehicle not owned, hired or borrowed by or
                           leased to the public authority or any other insured party on or under any premises
                           occupied by the public authority where such vehicle is causing an obstruction and
                           interfering with the performance of the business;
                        d)  damage to visitors’ or employees’ mechanically propelled vehicle (including contents
                           and/or accessories) while parked within any car park for which the public authority is
                           responsible or on any premises occupied by the public authority provided that:
                           i)  such vehicle is not lent or hired to the public authority;
                           ii)  the damage to an employee’s vehicle does not arise out of the maintenance,
                               operation or use of a vehicle by that employee;
                        e)  the  unauthorised  use  of  any mechanically propelled vehicle by any person in the
                           employment of the public authority provided that the public authority shall have taken
                           all reasonable precautions to ensure that its employees are made aware of and comply
                           with restrictions applicable to the use of the vehicle;
                        f)  the servicing, maintenance and testing of Hackney Carriages or other mechanically
                           propelled vehicles used for private hire, but excluding any expenditure incurred for any
                           repair, adjustment, alteration, reinstatement, withdrawal or replacement required as a
                           result of any defect in the work.
               6.8.2    except always that the indemnity provided by this clause excludes liability:
                        a)  for which indemnity is provided by any motor insurance or fleet insurance policy held in
                           the name of the public authority; or
                        b)  for which insurance is necessary to comply with the Road Traffic Act 1988 as amended
                           by The Motor Vehicles (Compulsory Insurance) Regulations 1992 or any  alteration to
                           such regulations or any similar legislation applying to Northern Ireland, the Isle of Man or
                           the Channel Islands or to any other territory consequent on the Third Council Directive
                           90/232/EEC of 14/05/1990 relating to insurance against civil liability in respect of the use
                           of motor vehicles or similar legislation in any country outside the European Union, or in
                           circumstances where such insurance or security would have been required but for the
                           public  authority  being  exempted from such requirements under the terms of the
                           legislation.
               6.9      Motor contingent liability
                        Notwithstanding the exclusion ‘Ownership or use of mechanically propelled vehicles’, the
                        insurer agrees to indemnify the public authority in respect of liability arising out of or from
                        the operation or use of any mechanically propelled vehicle not owned, hired or borrowed by
                        or leased to the insured which is used in the course of business provided that this clause
                        excludes and the insurer will not be liable for:
                        a)  damage to such vehicle or to property conveyed therein or thereon,
                        b)  bodily injury or damage arising while such vehicle is being driven by;
                           i)  any person other than an employee or member; or
                           ii)  any person who to the insured’s knowledge or the knowledge of any member,
                               director, officer or manager of the insured, does not hold a licence to drive such
                               vehicle;
                        c)  bodily injury or damage caused or arising while such vehicle is:
                           i)  engaged in racing, pace-making, reliability trials or speed testing;
                           ii)  being used outside the European Union;
                        d)  bodily injury or damage in respect of which the insured is entitled to indemnity under
                           any other insurance.
               6.10     Motor trade liability

                        The insurer will indemnify the the public authority in respect of liability arising out of or
                        from the servicing, repair, maintenance and testing of motor vehicles not belonging to or


               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 18 of 48]]></page><page Index="207"><![CDATA[hired, leased or loaned to the public authority in the course of the business provided that
                        this clause excludes and the insurer will not be liable for the cost of repairing, reinstating,
                        replacing or rectifying any original work giving rise to the liability of the public authority.
               6.11     Principals
                        The  insurer  will  indemnify  any  party  including any principal whom, under contract or
                        agreement, the public authority has agreed to indemnify and/or insure but only to the
                        extent required by such contract or agreement and only to the extent that liability arises
                        solely out of the work performed for the principal by or on behalf of the public authority and
                        provided that:
                        a)  the principal shall as though he were the public authority observe, fulfil and be subject
                           to the terms and conditions of this policy in so far as they can apply; and
                        b)  the insurer’s liability under this clause shall in no way operate to increase the limit of
                           indemnity or any applicable sub-limit of indemnity.
                        and, for the avoidance of doubt, to the extent only of the indemnity provided by this insured
                        section.

               6.12     Property in the insured’s care, custody and control
               6.12.1   Notwithstanding the pollution exclusions under insured section B and C and the exclusion
                        of ‘Property in the insured’s care, custody and control’ but subject always to the exclusion
                        ‘Owned or previously owned premises’ under insured section D, the insurer agrees to
                        extend coverage under insured sections B, C and D to indemnify the public authority in
                        respect of liability arising out of or from:
                        a)  damage to personal effects (including vehicles and their contents) of employees or
                           members, officials, visitors or guests;
                        b)  damage to premises including landlord’s contents, fixtures and fittings not owned by the
                           public authority but leased or rented by them in the course of business but always
                           excluding liability:
                           i)  which attaches by way of any contract or agreement that would not have attached in
                               the absence of such contract or agreement; or
                           ii)  for which indemnity to the public authority is provided under any other insurance or
                               in any other way;
                        c)  damage to premises or their contents thereof not belonging to or leased to or rented to
                           the public authority or otherwise in the public authority’s custody or control but
                           temporarily occupied by the public authority for work away therein but no indemnity is
                           provided by this clause for damage to that part of the property on which the public
                           authority is working and which arises out of such work away.
                        d)  damage to property held by the public authority which has been the subject of a legal
                           dispute or illegal distraint;
                        e)  damage to vehicles, trailers and their contents removed under the powers granted to the
                           public authority by any statute or bye-law.
                        f)  damage to motor vehicles or their contents not belonging to or hired, leased or loaned to
                           the public authority which are undergoing service or repair by the public authority in
                           accordance with the terms of the ‘Motor trade liability’ extension clause.

               6.13     Reputational damage - mitigation costs
                        Following an insured event, then where required the insurer will pay all reasonable costs
                        incurred by the public authority with the insurer’s prior written consent to mitigate damage
                        to the reputation of the public authority, as a result of adverse publicity or adverse media
                        coverage (whether by radio or television in the press), provided that
                        a)  this extension shall only apply to an insured event for which the total amount of such
                           costs has exceeded, or in the opinion of the insurer is likely to exceed, the limit for this
                           extension stated in the schedule (or if no limit is shown, a limit of GBP1,000,000 for any
                           one occurrence); and





               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 19 of 48]]></page><page Index="208"><![CDATA[b)  the insurer shall not be liable to pay any amount in excess of GBP50,000 under the
                           terms of this extension for any one occurrence and in the aggregate in respect of all
                           insured events during the period of insurance); and
                        c)  the insured shall at all times observe and fulfil and the provisions contained in the
                           ‘Duties in the event of a claim or potential claim’ section this policy.

               6.14     Schools governing bodies
                        For the purposes of this extension the definition of insured is amended to include the
                        governing body for the time being of any local authority maintained school within the public
                        authority’s area provided that:
                        a)  if at the time of any claim under this policy there is any other valid and collectible
                           insurance available to the governing body (other than any insurance that is specifically
                           stated to be in excess of this policy) then the insurance afforded by this policy will be in
                           excess of and will not contribute with such other insurance. If the other insurance is
                           provided by the insurer or by another company/entity within the QBE group, then the
                           total limit of indemnity available from this policy shall be reduced by the limit of
                           indemnity of the other insurance.
                        b)  the amount of the retention shall be paid by the insurer but the public authority shall
                           upon  request  from  the  insurer  promptly  but  in  any  event  within  thirty  (30)  days
                           reimburse the insurer for any amounts so paid in respect of the retention.
               6.15     Statutory  defence  costs  including  Health  and  Safety  At  Work,  etc.  Act
                        1974

               6.15.1   The insurer agrees subject to its prior written consent having been obtained to indemnify the
                        public authority and at the request of the public authority, any other insured party, in
                        respect of legal defence costs reasonably incurred in defending:
                        a)  any alleged breach of statutory duty (including any prosecution brought under sections 2
                           to  8  of  the Health and Safety at Work, etc. Act 1974, Health and Safety at Work
                           (Northern Ireland) Order 1978 or similar legislation in the Isle of Man or the Channel
                           Islands) or criminal proceedings brought; and / or
                        b)  any alleged breach of statutory duty under the Protection from Harassment Act 1997;
                           and/or
                        c)  allegations  (whether  under  common  law  or  statute)  of  manslaughter,  corporate
                           manslaughter or corporate homicide made against the public authority or any other
                           insured party;
                        provided that the prosecution or proceedings relate to:
                           i)  an offence alleged to have been committed during the period of insurance and in
                               the course of business;
                           ii)  bodily  injury  to  or  potential  bodily  injury to persons other than employees
                               including their health, safety and welfare.
                        and, the insurer will also pay to the public authority:
                           iii)  defence costs of appeal including appeal against improvement and prohibition
                               notices;
                           iv)  prosecution costs awarded against the insured;
                        but the indemnity by this clause excludes and does not cover any amount (including defence
                        costs):
                           v)  for which the public authority or any other insured party is entitled to indemnity by
                               any other legal expenses, motor or employment protection policy;
                           vi)  in excess of the amount shown in the schedule as the limit of indemnity for this
                               insured section, for any one claim or series of claims arising out of the same
                               prosecution or proceedings, provided that any amounts paid under this extension
                               count towards and are not additional to the limit of indemnity for this insured
                               section.
               6.15.2   For the avoidance of doubt the following statutes, whilst not exhaustive, are included within
                        the statutes or regulations contemplated for which defence costs are insured by this clause:

               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 20 of 48]]></page><page Index="209"><![CDATA[a)  Health and Safety at Work, etc. Act 1974, but only sections 2 to 8,
                        b)  Health and Safety at Work (Northern Ireland) Order 1978,
                        c)  The Trade Description Act 1968
                        d)  Part II of the Consumer Protection Act 1987
                        e)  Part II of the Food Safety Act 1990
                        f)  Corporate Manslaughter and Corporate Homicide Act 2007.

               6.16     Waiver of subrogation
                        In respect of contracts or agreements which impose upon the public authority conditions
                        waiving the rights of the public authority to recover from any other party, the insurer
                        agrees  to  the  extent  required  by  such  contract  or  agreement  to  waive  any  rights of
                        subrogation to which it might otherwise have been entitled in such circumstances in respect
                        of any payments which it may make under this policy.
                        Further,  where  requested  by  the  public  authority,  the  insurer will waive all rights of
                        subrogation against a subsidiary of the public authority or from a subsidiary against the
                        parent.
                        For the purpose of this clause, subrogation means the right of the insurer who has granted
                        indemnity to take over any recovery rights the public authority may have against third
                        parties liable for the same loss.


























































               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 21 of 48]]></page><page Index="210"><![CDATA[7        Exclusions to insured sections B, C, D and E
                        Insured sections B, C, D and E exclude and do not cover:

               7.1      Advertising injury
                        liability arising out of advertising injury.

               7.2      Advice, design or plans provided for a fee
                        liability arising out of or from advice, design, plans, specifications, formulae, surveys or
                        directions prepared or given by the  insured or other insured party for a fee but this
                        exclusion shall not apply to liability arising in conjunction with products.
               7.3      Aircraft and watercraft
                        liability arising out of or from the ownership, possession or use of any aircraft or other aerial
                        device or satellite or vehicle or any watercraft other than:
               7.3.1    motor barges not exceeding seventy five (75) ton capacity on inland waterways;

               7.3.2    hand-propelled craft, sailing vessels and motor launches not exceeding fifteen (15) metres in
                        length;
               7.3.3    watercraft  not  belonging  to  or  chartered  by the  insured but used by it for business
                        entertainment provided that;
                        a)  such watercraft is primarily owned and operated as a river cruise vessel;
                        b)  such watercraft is insured by the owner or charterer under a policy of marine insurance;
                           and
                        c)  the insurer will not indemnify the insured in respect of liability which attaches by way of
                           any contract or agreement that would not have attached in the absence of such contract
                           or agreement.

               7.4      Airports
                        liability arising out of flying operations and activities incidental to such operations in respect
                        of any airport owned or operated by the insured.

               7.5      Asbestos
                        liability arising from or caused by any work involving the manufacture, mining, processing,
                        use, installation, storage, removal, stripping out, demolition, disposal, distribution, inspection
                        or testing of or exposure to asbestos, asbestos fibres, asbestos dust or asbestos-containing
                        materials.

               7.6      Costs of recall or guarantee
                        expenditure, whether incurred by the insured or others, for the withdrawal, recall, disposal,
                        removal, repair, adjustment, alteration, reconditioning, replacement, reinstatement of any
                        product or part thereof and/or financial loss consequent upon the necessity for such
                        withdrawal,  recall,  disposal,  removal,  repair,  adjustment,  alteration,  reconditioning,
                        replacement or reinstatement.

               7.7      Data Protection
                        liability which arises under the Data Protection Act 1998 (‘DPA’), any subsequent amending
                        legislation or the General Data Protection Regulation other than as provided for by the ‘Data
                        Protection’ extension clause.

               7.8      Defence costs incurred without the insurer’s consent
                        any defence costs for which the insurer’s prior written consent has not been obtained (as
                        provided for in the definition of defence costs).






               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 22 of 48]]></page><page Index="211"><![CDATA[7.9      Deliberate acts

               7.9.1    damages or compensation, including claimant costs and any associated defence costs,
                        which result from personal injury, damage, denial of access or nuisance either expected
                        or intended by the insured or other insured party but this exclusion does not apply to
                        personal injury resulting from the use of reasonable force to protect persons or property.
               7.9.2    other  defence  costs  incurred  in  proceedings  other  than  in  respect  of  manslaughter,
                        corporate manslaughter or corporate homicide consequent upon any deliberate act or
                        omission by or on behalf of the insured or other insured party, if the result of such act  or
                        omission  could  reasonably  have  been  expected  to  constitute  an  offence  under  any
                        legislation.
               7.10     Electronic data
                        liability arising from:
                        a)  loss, alteration or impairment of or damage to information and/or data in electronic form;
                        b)  malicious acts of any person carried out by electronic means;
                        but this exclusion shall not apply in respect of ;
                        a)  liability  for any ensuing accidental  bodily injury (save for mental injury or mental
                           disease) or accidental damage which is not otherwise excluded; or
                        b)  liability which arises under the Data Protection Act 1998, any subsequent amending
                           legislation or the General Data Protection Regulation.

               7.11     Employment practices dispute
                        liability which arises out of employment practice disputes directly or indirectly related to
                        employment or prospective employment of any person or persons by the insured including
                        but not limited to:
                        a)  wrongful unfair or constructive dismissal;
                        b)  denial of natural justice, defamation, misleading representation or advertising;
                        c)  refusal to employ a suitably qualified applicant or f ailure to promote;
                        d)  coercion,  demotion,  evaluation,  relocation,  punishment,  slander,  humiliation,
                           harassment, bullying or discrimination
                        but this exclusion shall not apply in respect of compensatory damages for bodily injury
                        required by the Employers’ Liability (Compulsory insurance) Regulations 1998.
               7.12     Financial loss
                        liability  for  economic loss not consequent upon  bodily injury or damage except for
                        nuisance, and the cover provided by the ‘Data Protection’ and ‘Libel and slander’ extension
                        clauses under insured section B.

               7.13     Fines, penalties or multiplication  of compensatory  damages

               7.13.1   any fines or penalties;
               7.13.2   any punitive damages, exemplary damages, aggravated damages, treble damages or any
                        other increase in damages resulting from the multiplication of compensatory damages but
                        this exclusion shall not apply in respect of such damages incurred within the jurisdiction of
                        the United Kingdom.
               7.14     Legionella

                        bodily injury, personal injury, damage or denial of access arising out of, alleging or
                        attributable to the existence of legionella except as stated as insured in the ‘Legionella’
                        extension clause under insured section D;

               7.15     Liability from employment
                        bodily injury caused to or sustained by any employee arising out of or in the course of
                        employment by the insured in the business;




               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 23 of 48]]></page><page Index="212"><![CDATA[7.16     Limit of indemnity
                        liability in excess of the limit of indemnity stated in the schedule except for payment of
                        defence costs where defence costs are stated to be payable in addition to the limit of
                        indemnity.
               7.17     Liquidated damages
                        any loss arising out of or from any liquidated damages clauses or penalty clauses or
                        performance warranties in any contract or agreement which the insured or other insured
                        party has entered into unless it is proven that, and then only to the extent that, liability would
                        have attached in the absence of such clauses or warranties.

               7.18     Medical malpractice
                        Liability arising in whole or in part from:
               7.18.1   the provision of services by:
                        a)  a hospital or clinic;
                        b)  a physician, medical doctor, osteopath, chiropractor, resident, extern or intern;
                        c)  a psychiatrist;
                        d)  a pharmacist;
                        e)  a dentist, orthodontist or periodontist;
               7.18.2   the prescribing of any drugs or medicines;

               7.18.3   the use of equipment for diagnostic purposes;
               7.18.4   the rendering or failure of any other medical or paramedical services other than in respect of:
                        a)  emergency and/or first aid medical services;
                        b)  the administering of drugs or medicines or procedures pre-prescribed by a medical
                           practitioner  and  subject  to  any  written  guidelines  by  an  employee  of the public
                           authority in connection with the business of the public authority provided that no
                           indemnity is available from any other source.

               7.19     North American jurisdiction

               7.19.1   liability in respect of any judgment, award, payment, defence costs or settlement delivered,
                        made or incurred within countries which operate under the laws of North America (or any
                        order made anywhere in the world to enforce such judgment, award, payment, defence
                        costs or settlement either in whole or in part) unless otherwise stipulated in the schedule;
               7.19.2   but this exclusion shall not apply to visits to North America in the course of business to
                        undertake non-manual work including but not limited to clerical work, sales and promotional
                        activities and conference attendance providing that, in such circumstances:
                        a)  the insurer will not be liable to indemnify any entity based in, operating in or domiciled in
                           North America; and
                        b)  the  insurer  will  not  be  liable  to  indemnify  for  any  liability  that  arises  under  any
                           agreement or contract that would not arise in the absence of any agreement or contract;
                        c)  the insurer will not be liable to indemnify for liability arising directly or indirectly from the
                           ownership, maintenance, operation or use of any mechanically propelled vehicle or
                           watercraft;
                        d)  the insurer will not be liable to indemnify for liability arising directly or indirectly from
                           pollution;
                        e)  defence costs are inclusive and form part of the limit of indemnity.

               7.20     North American territory
               7.20.1   liability in respect of personal injury, damage, denial of access or nuisance occurring
                        within North America but this exclusion shall not apply to temporary non-manual visits to
                        North America as provided for in the ‘North American jurisdiction’ clause in this insured
                        section;


               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 24 of 48]]></page><page Index="213"><![CDATA[7.20.2   liability in respect of or arising from pollution occurring within North America;
               7.21     Nuclear risks

               7.21.1   loss or destruction of or damage to any property whatsoever or any loss or expense
                        whatsoever resulting or arising therefrom or any consequential loss;

               7.21.2   any legal liability of whatsoever nature;
               7.21.3   any sum which the insured becomes legally liable to pay or any loss or expense;
                        directly or indirectly caused by or contributed to by or arising from or, in the case of clause
                        7.21.3 above, attributable to nuclear hazard.

               7.22     Overseas domiciled operations
                        the  insured’s  subsidiary companies, branch offices or representatives  with power of
                        attorney that are domiciled outside of the United Kingdom.
               7.23     Ownership or use of mechanically  propelled vehicles
                        personal  injury,  damage,  denial  of  access  or  nuisance  arising  out  of  or  from  the
                        ownership, maintenance, operation or use of any mechanically propelled vehicle by or on
                        behalf of the insured or any other insured party except that this exclusion shall not apply in
                        respect of and to the extent of the indemnity provided by the ‘Motor liability’ and ‘Motor
                        contingent liability’ clauses under insured section E.

               7.24     Property in the insured’s care, custody and control
                        damage to property owned, leased, hired or held in trust by the insured or under hire,
                        purchase or on loan to the insured or held otherwise in the insured’s care, custody or
                        control except that this exclusion shall not apply in respect of and to the extent of the
                        indemnity provided by the ‘Property in the insured’s care, custody and control’ clause under
                        insured section E.

               7.25     Property modification

               7.25.1   costs or liability incurred by any insured to modify any building property or facility to make
                        their said building property or facility more accessible or accommodating to any disabled
                        person.
               7.26     Retention
                        the amount of the retention as applicable and stated in the schedule.

               7.27     Riot
               7.27.1   liability directly or indirectly arising out of a payment or an entitlement to payment of
                        compensation in respect of damage occasioned by riot as provided under the terms of
                        a)  the Riot Compensation Act of 2016 or
                        b)  the Riotous Assemblies (Scotland) Act 1882 or
                        c)  the Criminal Damage (Compensation) (Northern Ireland) Order 1977
                        or any amending or subsequent legislation.
               7.28     Statutory defence costs
                        liability for defence costs arising out of or in respect of any alleged breach of statutory duty
                        or any allegation of manslaughter, corporate manslaughter or corporate homicide except as
                        stated as insured in the clause entitled ‘Statutory defence costs including Health and Safety
                        at Work, etc. Act 1974’ under insured section E.
               7.29     The product itself
                        liability for damage to the insured’s product or any part thereof arising from a defect or
                        unsuitability thereof and economic loss or other loss of any kind arising therefrom.




               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 25 of 48]]></page><page Index="214"><![CDATA[7.30     War
                        personal injury, damage, denial of access or nuisance directly or indirectly caused by or
                        contributed to by or arising from war.




















































































               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 26 of 48]]></page><page Index="215"><![CDATA[8        Insured section F - Premises environmental liability
               8.1      Premises environmental  liability cover

                 8.1.1   Own clean-up costs cover
                        The insurer will pay clean-up costs beyond the boundaries of an insured premises arising
                        from a pollution condition which has migrated beyond the boundaries of the insured
                        premises providing such clean-up costs are the result of a claim against the insured by a
                        regulator.

                        All claims made against the insured during the period of insurance must be notified to the
                        insurer during the same period of insurance. The insurer will also pay defence costs in
                        respect of any clean-up costs.

               8.1.2    Premises environmental liability cover
                        The insurer will pay loss resulting from:
                        a)  bodily injury;
                        b)  property damage;
                        c)  clean-up costs incurred by a third party in accordance with environmental law;
                        beyond the boundaries of an insured premises, which arises from any pollution condition
                        which has migrated beyond the boundaries of an insured premises providing the claim for
                        such loss is made against the insured during the period of insurance.
                        All claims made against the insured during the period of insurance must be notified to the
                        insurer during the same period of insurance. The insurer will also pay defence costs in
                        respect of any loss.

               8.2      Premises environmental  liability extensions
               8.2.1    Indemnity to other insured parties
                        At the request of the public authority, the insurer will separately indemnify each other
                        insured party provided that the:
                        a)  public authority would have been entitled to indemnity by this policy had the claim or
                           suit been made against the public authority;
                        b)  insurer has the sole conduct and control of any claim;
                        c)  other insured party shall, as though he were the public authority, observe, fulfil and
                           be subject to the terms and conditions of this policy in so far as they can apply;
                        d)  insurer’s liability under this clause shall in no way operate to increase the aggregate
                           environmental limit of liability or limit each pollution condition.
               8.3      Premises environmental  liability limitations  and exclusions
                        This policy does not apply to:

               8.3.1    Abandoned premises
                        clean-up costs, loss or defence costs arising from any premises owned or leased by the
                        insured subsequent to the time when such premises is abandoned, sold, given away or
                        operational control is relinquished.

               8.3.2    Aboveground storage
                        arising from any storage container (excluding underground storage tanks) with volume
                        greater than 200 litres containing oils, chemicals or other liquids hazardous to human health
                        or the environment unless such storage container is subject to secondary containment with
                        sufficient capacity to contain spills or releases from the storage containers therein.  The
                        secondary containment is not deemed to have sufficient capacity unless it has at least 110%
                        of the capacity of the storage container.







               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 27 of 48]]></page><page Index="216"><![CDATA[8.3.3    Asbestos and lead
                        clean-up costs, loss or defence costs arising out of or related in any way to asbestos,
                        asbestos fibres, asbestos dust or asbestos-containing materials or lead-based paint installed
                        or applied in on or to any structure or building;
                        provided  that  this exclusion does not apply to  clean-up costs in respect of soil and
                        groundwater.

               8.3.4    Capital expenditure
                        expenditure, costs or any other liability of any nature in relation to reinstatement, upgrade,
                        maintenance,  improvement or supplementation of any equipment, plant, foundations,
                        building or any above or below ground structure.

               8.3.5    Construction and maintenance activities
                        clean-up costs, loss or defence costs arising out of construction or maintenance activities
                        undertaken by the insured
               8.3.6    Contractual liability
                        liability  for  clean-up  costs,  loss  or  defence  costs  assumed  under  any  contract  or
                        agreement.

               8.3.7    Conveyance
                        clean-up  costs,  loss  or  defence  costs  arising  from  or  caused  by  the  ownership,
                        possession,  control,  maintenance,  operation,  use,  loading  or  unloading  beyond  the
                        boundaries of insured premises of any conveyance.

               8.3.8    Custody or control
                        loss of, damage to, loss of use of or diminishment in value of property belonging to the
                        insured or in the custody or control of the insured or any employee or agent of the insured
                        other than in respect of clean-up costs.
               8.3.9    Employee injury
                        bodily injury sustained by any employee arising out of and in the course of employment by
                        the insured.
               8.3.10   Fines and penalties
                        criminal, civil or administrative fines, penalties liquidated damages punitive or exemplary
                        damages or contractual penalties.
               8.3.11   Housing stock
                        clean-up costs, loss or defence costs arising out of owned or formerly owned housing
                        stock properties.

               8.3.12   Internal Expenses
                        costs incurred by the insured for services performed by any employee of the insured.

               8.3.13   Known conditions
                        clean-up costs, loss or defence costs arising from any pollution condition which was in
                        existence prior to the inception of this policy and was known or should have been known to
                        any responsible insured.

               8.3.14   Microbial matter
                        clean-up costs, loss or defence costs arising out of any microbial matter.

               8.3.15   Naturally occurring materials
                        clean-up costs, loss or defence costs arising from the presence or required removal of
                        naturally occurring materials other than where such materials are identified at an insured
                        premises  in  concentrations  in  excess  of  their  natural  concentration  at  that  insured
                        premises.


               8.3.16   Non-compliance
                        clean-up  costs,  loss or defence costs arising from the intentional, knowing, wilful or
                        deliberate non-compliance with any European Union, national or local statute, regulation or

               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 28 of 48]]></page><page Index="217"><![CDATA[bye-law or instruction, notice or order of any national or local governmental or statutory
                        authority, agency or body.

               8.3.17   Products
                        clean-up costs, loss or defence costs arising from goods or products which are provided
                        manufactured sold supplied or distributed by or on behalf of the insured
               8.3.18   Radioactive contamination
                        clean-up costs, loss or defence costs of whatsoever nature directly or indirectly caused by or
                        contributed to by or arising from:
                        a)  ionising radiations or contamination by radioactivity from any nuclear f uel or f rom any
                           nuclear waste from the combustion of nuclear fuel;
                        b)  the radioactive toxic explosive or other hazardous properties of any explosive nuclear
                           assembly or nuclear component thereof.
               8.3.19   Redevelopment
                        clean-up costs, loss or defence costs arising from the excavation or movement of any
                        ground material as part of any redevelopment, refurbishment or construction on or at any
                        insured premises.

               8.3.20   Retroactive coverage
                        clean-up  costs, loss or defence costs arising from a pollution condition which first
                        commences prior to the retroactive dates stated in the schedule to this policy.

               8.3.21   Terrorism
                        clean-up costs, loss or defence costs arising directly or indirectly as a result of or in
                        connection with terrorism, including, but not limited to any contemporaneous or ensuing
                        liability, clean-up costs or loss caused by fire looting or theft.
                        If the insurer alleges that by reason of this exclusion any liability is not covered by this
                        insured section F, the onus of proving to the contrary shall be upon the insured.

               8.3.22   Underground storage tanks
                        arising from a pollution condition, which emanates from an underground storage tank the
                        presence of which was known to or should have been known to a responsible insured prior
                        to the inception of this policy.

               8.3.23   Voluntary site investigation
                        clean-up costs, loss or defence costs arising from any site investigation not required by
                        environmental law, including but not limited to intrusive investigations undertaken at an
                        insured premises for the purposes of soil and water sampling and testing.
               8.3.24   War
                        arising directly or indirectly as a result of war.
               8.3.25   Waste operations
                        Clean-up costs, loss or defence costs arising out of any insured premises utilised for
                        waste operations.























               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 29 of 48]]></page><page Index="218"><![CDATA[9        Duties in the event of a claim or potential claim
                        The  due  observance  and  fulfilment  of  Claim  notification,  Insured’s  duties  and Claim
                        procedure is a condition precedent to the insurer’s liability for any claim under this policy.
                        The ‘Compliance with policy terms’ clause sets out the consequences of a failure to comply
                        with conditions precedent or policy provisions such as the said clauses.
               9.1      Claim notification – insured sections A-E

               9.1.1    In respect of insured sections A, B, C, D and E, the insured will give notice in writing or by
                        an agreed electronic medium to the insurer:
                        a)  immediately on but in any event within fourteen (14) days from:
                           i)  receipt of notice of any impending inquest, fatal accident inquiry, prosecution or
                               other legal proceedings that include alleged personal injury;
                           ii)  coming into possession of actual knowledge that notice of an Industrial Tribunal
                               hearing includes alleged personal injury;
                           iii)  the insured’s actual knowledge of any death or personal injury to any person
                               involving a stay in hospital in excess of three (3) business days;
                        b)  as soon as practicable after any other accident, event or the coming into possession of
                           actual knowledge of personal injury or damage, with full particulars thereof;
                        which may be the subject of indemnity under this policy.
               9.1.2    Such notice to the insurer must be given in writing or by an agreed electronic format to the
                        claims notification addresses specified in the schedule.
               9.2      Claim notification – insured section F
                        In respect of insured section F, the insured shall notify the insurer of any claim as soon as
                        possible but in any event within fourteen (14) days of becoming aware of an actual or alleged
                        pollution condition and always prior to the end of the period of insurance.  Wherever
                        possible, such notification must include the following information:
                        a)  how, when and where the pollution condition took place;
                        b)  names and addresses of any injured parties or witnesses;
                        c)  nature and location of any injury or damage that has or could arise out of such pollution
                           condition;
                        d)  date the claim was received;
                        e)  any response or actions taken by the insured.

               9.2.2    The insured must immediately provide to the insurer copies of all written communications,
                        demands, writs, summonses, remediation notices, statements, declarations or similar,
                        instructions, notices, orders, documents or other papers filed in any court of law or by any
                        regulator.
               9.2.3    Any notifications should be made to the insurer at the address stated in the schedule.
               9.3      Legal defence and expenses  – insured section F only
                        The insurer shall have the right but not the duty to defend the insured against a claim to
                        which this policy applies. The insurer’s right to defend and continue defending and to pay
                        for any clean-up costs, loss, and defence costs shall cease once the limit of liability is
                        exhausted. Defence costs are included within the limit of liability under this section F and
                        shall erode such limit of liability under this section F. Defence costs are also included within
                        any retention applicable.
                        The insurer shall have the right at any time to take over and conduct in the name of the
                        insured, the investigation, adjustment and settlement of any claim to which this policy
                        applies. The insurer will have total discretion in the conduct of any such proceedings and
                        settlement of any claim.






               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 30 of 48]]></page><page Index="219"><![CDATA[9.4      Duty to mitigate and remediate – insured section F only
                        In the event of a pollution condition, the insured must take all necessary actions to
                        mitigate or avoid a claim and to comply with environmental law, including, with respect  to
                        clean-up costs, the retention of competent professionals and contractors. The insurer has
                        the right to review and approve all such actions of the insured. The insurer also has the
                        right but not the duty to participate in decisions regarding the mitigation and avoidance of a
                        claim and clean-up costs in order to comply with environmental law if the insured fails to do
                        so. All costs incurred by the insurer in following such course of action shall be considered
                        incurred by the insured and will reduce the applicable limit of liability under this insured
                        section F.

               9.5      Insured’s duties - Insured sections A - E

               9.5.1    For each and every claim or RIDDOR incident, the insured and any person acting on behalf
                        of the insured must:
                        a)  not admit responsibility or liability, make an offer or promise nor offer payment or
                           indemnity without the written consent of the insurer;
                        b)  not incur any expense without the consent of the insurer except at the insured’s own
                           cost;
                        c)  give all such information, assistance and forward all documents to enable the insurer to
                           investigate, settle or resist any claim as the insurer may require;
                        d)  provide such proofs and information with respect to the claim as may reasonably be
                           required together with (if demanded) a statutory declaration of the truth of the claim and
                           any matters connected therewith;
                        e)  not destroy evidence or supporting information or documentation without the insurer’s
                           prior consent; nor destroy any plant or other property relating to an occurrence, loss or
                           suit that may give rise to a claim under this policy;
                        f)  comply with any reporting obligations provided for under the General Data Protection
                           Regulation.

               9.6      Claim procedure - Insured sections A - E
                        Unless stated otherwise, all claims will be handled and overseen by the insurer but day to
                        day  handling  may  be  managed  by a third party claim management company or loss
                        adjusters. For each and every claim, the insured and any person acting on behalf of the
                        insured must:

               9.6.1    immediately, but not later than fourteen (14)  business days, send the insurer copies of any
                        request, demand, order, notice, summons legal paper and all documents relating thereto in
                        connection with an insured event as soon as received by the insured. In addition, the
                        insured must co-operate with the insurer or their appointed agents to allow them to comply
                        with such relevant practice directions and pre-action protocols as may be issued and
                        approved from time to time by the head of civil justice;
               9.6.2    authorise the insurer to obtain medical records or other pertinent information upon request
                        but only where legally permitted to do so in the event of an insured event involving bodily
                        injury;
               9.6.3    prove, if it is alleged that an event is not covered or that the indemnity is otherwise limited,
                        being war or an act of terrorism, that the said exclusion or limit of indemnity does not
                        apply, it being understood and agreed that any portion of an exclusion or limit of indemnity
                        being found invalid, inapplicable or unenforceable will not in any way render the remainder of
                        the exclusion or limit invalid, inapplicable or unenforceable.
               9.7      Insurer’s rights

               9.7.1    The insurer’s preferred intention is to investigate any potential claim and to undertake the
                        conduct of any proceedings in connection with such claims on behalf of the insured. It is one
                        of the services offered and provided by this policy. However, there may be occasions, for
                        example, in relation to potential proceedings in North America, when this is not appropriate.




               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 31 of 48]]></page><page Index="220"><![CDATA[9.7.2    Therefore, it is agreed that the insurer has the right not to, and shall be under no obligation
                        to, investigate any potential claims or to undertake the conduct of any proceedings in
                        connection with such claims but will be free to leave the conduct of such proceedings wholly
                        with the insured.
               9.7.3    In such cases, the insurer will transfer the conduct of proceedings to the insured and will
                        clearly set out the conditions as regards the payment of costs and the insured’s freedom to
                        commit the insurer to any settlement by compromise or otherwise. Provided that any
                        settlement or compromise is made within these conditions, this policy will provide an
                        indemnity as otherwise stated.
               9.7.4    Further, the insurer may at any time pay the limit of indemnity (af ter deduction of any
                        sums already paid) or such lesser sum for which the claim can be settled and will relinquish
                        the conduct and control of the claim and be under no further liability except (where payable
                        under the relevant insured section) for payment of defence costs incurred prior to the date
                        of payment.
               9.8      Disputed defence or appeal
                        If any dispute arises between the insured and the insurer as to whether a prosecution
                        should be defended or an appeal made, such dispute will be referred to a Queen’s Counsel
                        (or equivalent) to be mutually agreed between the parties (or in default of agreement to be
                        nominated by the President of the Law Society) whose decision will be final. In the event of
                        conflict between any other insured party separate representation will be arranged for each
                        party.
               9.9      Retention

               9.9.1    If the insured event forms the subject of indemnity under more than one of the insured
                        sections to this policy, the insured’s maximum liability for the retention will be the highest
                        applicable retention.
               9.9.2    If settlement of an insured event investigated or defended by the insurer under this policy
                        does not exceed the amount of the applicable retention, the insured will pay, or reimburse
                        the insurer for, as applicable, any defence costs and paid damages including claimant
                        costs recoverable from the insured and incurred in connection with such insured event.

               9.10     Subrogation
               9.10.1   Except as provided by the ‘Waiver of subrogation’ clause under insured section A and the
                        ‘Statutory defence costs including Health and Safety At Work, etc. Act 1974’ clause under
                        insured section E, for each and every claim, the insured and any person acting on behalf
                        of the insured must not waive any rights of recourse or recovery against any other person
                        relating to an occurrence, loss or suit that may give rise to a claim under this insurance.
               9.10.2   The insured or any other party insured by this policy will, at the request and expense of the
                        insurer, do and concur in doing and permit to be done all such acts and things as may be
                        necessary or reasonably required by the insurer for the purpose of enforcing any rights and
                        remedies, whether such acts and things will be or become necessary or required before or
                        after their indemnification by the insurer.
               9.10.3   In the event of any payment under this insurance, the insurer will act in concert with all other
                        interested  persons  (including  the  insured) concerned in the exercise of any rights of
                        recovery.
               9.10.4   The apportioning of any amounts which may be so recovered will follow the principle that any
                        interested persons (including the insured) who will have paid an amount over and above
                        any payment hereunder will first be reimbursed up to the amount paid by them; the insurer
                        is  then  to  be  reimbursed  out  of  any  balance  then  remaining  up  to  the  amount  paid
                        hereunder; lastly, the interested persons (including the insured) to whom this coverage is in
                        excess shall be entitled to claim the residue, if any.
               9.10.5   Expenses necessary to the recovery of any such amounts will be apportioned between the
                        interested parties concerned in the ratio of their respective recoveries as finally settled.




               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 32 of 48]]></page><page Index="221"><![CDATA[10       General terms and conditions

               10.1     Applicable law
                        The law allows the parties to this contract of insurance to select the law and jurisdiction to be
                        applied to this policy. Unless it is agreed otherwise, the law that applies to this contract is
                        the law of that part of the United Kingdom where the public authority is headquartered.
                        It is agreed that any legal proceedings between the insured and the insurer in connection
                        with this contract will only take place in the courts of that part of the United Kingdom where
                        the public authority is headquartered and they are subject to the exclusive jurisdiction of
                        that court.

               10.2     Assignment
                        Assignment of interest under this  policy will not bind the insurer unless and until the
                        insurer’s written consent is endorsed hereon.

               10.3     Basis of contract
                        Any reference to ‘basis of the contract’ in this policy or in the proposal form (if any) is of no
                        effect.

               10.4     Cancellation
                        The insurer may at any time during the period of insurance serve written notice on the
                        insured at the address shown on the schedule cancelling the policy with effect from the
                        thirtieth (30th) day after service of the notice.
                        Such cancellation shall not affect the coverage or premium attributable under this insurance
                        to the period prior to cancellation. Upon demand and subject to no claims having been
                        notified under this policy, the insurer will return to the insured a part of any premium paid
                        in excess of that proportionate to the pre-cancelled portion of the policy.
                        Without prejudice to any other forms of service, the notice of cancellation is deemed to be
                        served on the third (3rd) day after being posted if sent by pre-paid letter post properly
                        addressed.

               10.5     Changes to policy
                        Any changes to this policy will only be by written endorsement thereto issued by the
                        insurer. Such endorsement must be signed by an authorised representative of the insurer.

               10.6     Compliance with policy terms
               10.6.1   The insured and anyone acting on its behalf must each comply with every applicable
                        provision of the policy.
               10.6.2   To the extent this insurance provides a benefit to any other party, the insured shall arrange
                        for each insured party to comply with every applicable provision of this policy.

               10.6.3   If the insured or anyone acting on its behalf breaches any provision of the policy, the
                        insurer may, without prejudice to any of the insurer’s other rights, reject or reduce sums
                        payable to the extent that the insurer’s liability under the policy has been incurred or
                        increased by reason of the breach.
               10.6.4   If the insurer has paid any sums to the insured or anyone acting on its behalf for which the
                        insurer was not liable (whether by reason of breach of any provision of the policy by the
                        insured or anyone acting on its behalf or for any other reason) the insured shall promptly
                        repay such sums to the insurer.

               10.6.5   To the extent the insurer waives all or some of its rights in relation to any obligation on the
                        insured, this shall not prevent the insurer from relying on any provisions in the future and
                        any delay in reliance or any partial reliance by the insurer shall not prevent the insurer from
                        relying on any such provisions, in whole or in part, in the future.





               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 33 of 48]]></page><page Index="222"><![CDATA[10.7     Contract (Rights of Third Parties) Act 1999
                        This insurance does not confer or create any right enforceable under the Contracts (Rights
                        of Third Parties) Act 1999 or any amending or subsequent legislation by any person who is
                        not named as the insured and both the insurer and insured may amend, cancel or lapse
                        this insurance without giving notice to, or requiring the consent of, any other third party.
                        However, this will not preclude rights enforceable under the Third Parties (Rights against
                        Insurers) Act 2010.

               10.8     Dispute resolution

               10.8.1   All matters in dispute between the insured, other insured parties and the insurer arising
                        out of or in connection with this insurance will be referred to a mediator to be agreed by the
                        parties within fourteen (14) working days of a written notice served on one party by the other
                        requesting such an agreement. If a mediator is not agreed, then either party may apply to the
                        Centre for Effective Dispute Resolution (‘CEDR’) for the appointment of a mediator. The
                        parties shall share equally the costs  of CEDR and of the mediator and the reference,
                        conduct and any settlement of the dispute at mediation will be conducted in confidence.
               10.8.2   The parties shall continue to perform their respective continuing obligations under this
                        insurance, if any, while the dispute is resolved unless the nature of the dispute prevents such
                        continued performance of those obligations.

               10.8.3   If any such dispute is not resolved by mediation or the parties cannot agree upon the
                        appointment of a mediator or the form that the mediation will take, the dispute will be referred
                        by either party to courts, subject to the law and jurisdiction set down in the Applicable law
                        clause above.
               10.9     Duty of fair presentation
                        The insured must make a fair presentation of the risk (as set out in the Insurance Act 2015
                        or successor or amending legislation) in proposing for, or proposing to vary, this insurance.
               10.10  Duty  of  fair  presentation  -  remedies  for  breach  –  proposing  for  this
                        insurance
                        If the insured or anyone acting on its behalf breaches the insured’s duty of fair presentation
                        then the insurer’s remedies shall be as follows:
                        a)  if such breach is deliberate or reckless, the insurer may:
                           i)  treat this policy as having been terminated from its inception; and
                           ii)  retain the premium;
                        b)  if such breach is not deliberate or reckless and the insurer would not have entered into
                           this policy but for the breach, the insurer may by notice to the insured treat this policy
                           as having been terminated from its inception in which case the insurer shall return the
                           premium; and
                        c)  in all other cases if, but for the said breach, the insurer would have entered into this
                           policy but:
                           i)  on different terms (other than terms relating to the premium), the insurer may
                               require that this policy is treated as if it had been entered into on those different
                               terms from the outset; or
                           ii)  would  have  charged  a  higher  premium,  the  insurer  may  charge  such  higher
                               premium, effective from inception, and the insured shall pay such higher premium
                               no later than fourteen (14) days after receiving the insurer’s written notice that such
                               higher premium is payable.

               10.11  Duty of fair presentation  - remedies for breach – variation
                        If the insured or anyone acting on its behalf breaches the insured’s duty of fair presentation
                        in relation to a variation of this policy, the insurer’s remedies shall be as follows:
                        a)  if such breach is deliberate or reckless, the insurer may:
                           i)  by notice to the insured treat this policy as having been terminated from the time
                               when the variation was concluded; and


               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 34 of 48]]></page><page Index="223"><![CDATA[ii)  retain the premium;
                        b)  if such breach is not deliberate or reckless, and the insurer would not have entered into
                           the variation but for the breach, the insurer may treat this policy as if the variation was
                           never made, in which case the insurer shall return any additional premium relating to
                           the variation; and
                        c)  in all other cases if, but for the said breach, the insurer would have entered into the
                           variation but:
                           i)  on different terms (other than terms relating to the premium), the  insurer may
                               require that the variation is treated as if it had been entered into on those different
                               terms;
                           ii)  would have increased the premium by more than it did or at all, the insurer may
                               charge such higher premium, effective from the effective date of the variation, and
                               the insured shall pay such higher premium no later than fourteen (14) days after
                               receiving the insurer’s written notice that such higher premium is payable; or
                           iii)  would not have reduced the premium by as much as it did or at all, the insurer may
                               require the insured to reimburse to the insurer a sum equal to any reduction in
                               premium no later than fourteen (14) days after receiving the insurer’s written notice
                               that such amount is payable.

               10.12  Employers’ Liability (Compulsory Insurance) Act 1969
                        The indemnity granted by insured section A clause 2 is deemed to be in accordance with
                        the  provisions  of  the  Employers’  Liability  (Compulsory  Insurance)  Act  1969  and  the
                        Employers  Liability  (Compulsory  Insurance)  Regulations  1998  or  any  subsequent
                        amendment or re-enactment or similar legislation in Northern Ireland, the Isle of Man and the
                        Channel Islands. Where any condition precedent, exclusion, term or condition of this policy
                        is deemed prohibited by the act or regulations, then the insurer will provide an indemnity to
                        the employee under the terms of clause 2 but the insured will repay to the insurer that part
                        of the insurer’s indemnity for which it would not otherwise have been liable under this policy
                        by reason of any such breach of condition precedent, term, condition or exclusion.

               10.13  Fraudulent claims

               10.13.1  If the insured or anyone acting on its behalf makes a fraudulent claim under this policy, the
                        insurer:
                        a)  is not liable to pay the claim;
                        b)  may recover any part of the claim already paid from the relevant insured; and
                        c)  may by notice to the insured treat this policy as having been terminated with effect from
                           the time of the first fraudulent act, in which case the insurer is not liable to that insured
                           in respect of a relevant event occurring after that time and may retain any premium.

               10.13.2  These remedies shall not be available against any other entity insured under this policy that
                        was not implicated in the fraud.
               10.14  Inspection and audit
                        The insurer, or such representative as the insurer may designate, will be permitted but not
                        obligated to inspect the insured’s property and operations and any insured premises at
                        any time given reasonable notice. Neither the insurer’s right to make inspections nor the
                        making thereof nor any report thereon will constitute an undertaking on behalf of or for the
                        benefit of the insured or others to determine or warrant that such property or operations are
                        safe or that any insured premises is in compliance with any environmental law.
               10.15  Late payment of claims
                        The insurer shall, pursuant to section 13A of the Insurance Act 2015, pay any sum due in
                        respect of a valid claim within a reasonable time (which includes a reasonable time to
                        investigate and assess the claim).







               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 35 of 48]]></page><page Index="224"><![CDATA[10.16  Material changes during the policy period

               10.16.1  The insured must notify the insurer as soon as reasonable of any material change to the
                        insured, its business or the risks insured if indemnity under this insurance is sought in
                        relation to any such change.
               10.16.2  The insurer shall not indemnify the insured for any liability arising out of a material change
                        for which indemnity would otherwise have been available under this insurance unless the
                        insurer has provided valid confirmation of cover, whether by an express term of this policy,
                        endorsement, written confirmation or otherwise.
               10.17  Minimisation of risk

               10.17.1  The insured will take all reasonable steps at its own expense to prevent an insured event
                        arising or continuing.
               10.17.2  Upon the happening of an insured event and at all times thereafter, the insured shall act as
                        a  prudent uninsured and take all reasonable measures as are appropriate to avoid or
                        minimise any claims which arise or may arise from that insured event. Any failure by the
                        insured to take such steps shall reduce or extinguish the insurer’s liability to indemnify the
                        insured under the policy to the extent that such failure has increased the claim under the
                        policy.
               10.18  Multiple periods of insurance  – insured section F
                        Where the insurer has issued claims-made premises environmental liability coverage for the
                        insured premises in one or more periods of insurance and a claim is first made against the
                        insured and reported to the insurer in writing in accordance with the terms and conditions of
                        this policy, all claims arising out of the same, continuous, repeated or related pollution
                        condition shall be deemed to have been first made and notified to the insurer during the
                        period of insurance, provided the insured has maintained premises environmental liability
                        cover with the insurer on an uninterrupted basis since that first claim was made.

               10.19  Other Insurance
               10.19.1  If at the time of any claim under  insured sections A to E there is any other valid and
                        collectible  insurance  available  to  the  insured  or  any other insured party, other than
                        insurance that is specifically stated to be in excess of this policy and names the insured or
                        other insured party for the insurance, then the insurance afforded by this policy will be in
                        excess of and will not contribute with such other insurance.
               10.19.2  If at the time of any claim under insured section F there is any other valid and collectible
                        insurance in force, which covers the insured for clean-up costs, loss or defence costs to
                        which this insured section F applies, this insured section F is primary and will operate as if
                        such other insurance were not in force other than with respect to any insurance available
                        under insured sections A to E of this policy where insured section F will be excess
                        thereof.

               10.20  Premium adjustment  – Insured sections A - E
                        Where the premium in whole or part is provisionally based on estimates provided by the
                        insured, the insured will keep accurate records and declare such information as the insurer
                        requires within three (3) months of the expiry of the period of insurance. The premium will
                        then be adjusted and any difference paid by or allowed to the insured as the case may be
                        but subject to any minimum premium that may apply. The insurer reserves the right to
                        request that the insured supplies an auditor’s certificate with such calculations as are
                        subject to adjustment attesting the accuracy thereof.

               10.21  Records
                        The insurer may hold documents relating to this insurance and any claims under it in
                        electronic form and may destroy the originals. An electronic copy of any such document will
                        be admissible in evidence to the same extent as, and carry the same weight as, the original.





               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 36 of 48]]></page><page Index="225"><![CDATA[10.22  Recovery of benefits
                        In the event that the insured’s liability in damages is reduced because benefits and/or
                        charges  included  in  the  damages  are  to  be  paid  under statute to the Compensation
                        Recovery Unit or its successor, the insured’s liability in damages for the purposes of this
                        insurance will be deemed to include such benefits and charges.

               10.23  Representation
                        The public authority will act on behalf of the insured and other insured parties under this
                        policy with respect to the giving and receiving of any notices from the insurer or their
                        representatives including any notice of cancellation. The payment to the public authority of
                        any  return  premium  that  may  be  payable  under  this  policy  will  satisfy  the insurer’s
                        obligations to return premium to any other insured party.
               10.24  Sanction limitation and exclusion
                        The insurer shall not provide cover nor be liable to pay any claim or provide any benefit
                        hereunder to the extent that the provision of such cover, payment of such claim or provision
                        of such benefit would expose the insurer or any member of the insurer’s group to any
                        sanction, prohibition or restriction under United Nations resolutions or the trade or economic
                        sanctions, laws or regulations of any country.

               10.25  Shared limits - insured section F
                        The insured understand, agree and acknowledge that insured section F of this policy is
                        subject to an aggregate environmental limit of liability, which is applicable to and will be
                        shared  by  the  insured  and  any other insured party under the policy. Therefore, the
                        insured and any other insured party agree that such aggregate environmental limit of
                        liability may be exhausted or reduced by prior payments for other claims under insured
                        section F.

               10.26  Subscribing insurer
                        The insurer’s obligations under this policy are several and not joint and are limited solely to
                        the  extent  of  their  individual  subscriptions.  The  insurers  are  not responsible for the
                        subscription of any co-subscribing insurer who for any reason does not satisfy all or part of
                        its obligations.

               10.27  Terms not relevant to the actual loss
                        Where:
                           i)  the insured has failed to comply with any express or implied term of this policy,
                               other than a term that defines the risk as a whole; and
                           ii)  compliance with such term would tend to reduce the risk of loss of a particular kind,
                               at a particular location and/or at a particular time,
                        the insurer cannot rely on the failure to comply to exclude, limit or discharge the insurer’s
                        liability if the insured shows that the failure to comply could not have increased t he risk of
                        the loss which actually occurred in the circumstances in which it occurred.

               10.28  Tracing office database
                        Where  the  insurer  provides an indemnity under the Employers’ Liability (Compulsory
                        Insurance) Regulations 1998, the insurer is required by regulation to maintain a database of
                        the employing organisation and any subsidiaries covered by such insurance. The insurer
                        supports and will add details to the Employers’ Liability Tracing Office database.
                        Accordingly, it is a condition of this insurance that the insured undertakes to supply full
                        details (as required by the Employers’ Liability Tracing Office) of the employing organisation
                        and  all subsidiaries to the insurer at inception of this policy and promptly thereafter
                        following acquisition or disposal of any subsidiary company.








               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 37 of 48]]></page><page Index="226"><![CDATA[10.29  Voluntary payments  – insured section F
                        Other  than  with  respect  to  emergency  expenditure,  the  insured  is  not  permitted to
                        voluntarily enter into settlement or make any payment or assume any obligation without the
                        insurer’s prior written consent, not to be unreasonably withheld.


















































































               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 38 of 48]]></page><page Index="227"><![CDATA[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]]></page><page Index="228"><![CDATA[conditions to the extent required by environmental law including those incurred by a
                           regulator acting in accordance with environmental law;
                        b)  emergency expenditure.

               11.7     Compensatory remediation – insured section F
                        Compensatory remediation means any action taken to compensate for interim losses of
                        natural resources and/or services to other natural resources that arise from the date of
                        damage occurring until primary remediation has achieved its full effect.
               11.8     Complementary  remediation – insured section F
                        Complementary  remediation  means  any  remedial  measure  taken in relation to natural
                        resources and/or services to compensate for the fact that primary remediation does not
                        result in fully restoring the damaged natural resource and/or services.

               11.9     Conveyance  – insured section F
                        Conveyance means:
                        a)  any aerospatial device or any airborne or waterborne craft or vessel;
                        b)  any mechanically propelled vehicle or trailer attached thereto.
               11.10  Damage
                        Damage means:

               11.10.1  loss of, destruction of or damage to tangible property; and/or
               11.10.2  loss of use of tangible property that has been lost, destroyed or damaged but not economic
                        loss.

               11.11  Data protection law
                        Data protection law means the Data Protection Act 1998 and any applicable subordinate,
                        amending or successor legislation or regulation in force from time to time.

               11.12  Defence costs
                        Defence costs means
               11.12.1  costs (other than claimant costs recoverable from the insured or any other insured party)
                        incurred at the request of the insured, with the insurer’s written consent that must be
                        obtained prior to each claim, and in the investigation, adjustment, appraisal, defence or
                        settlement of an insured event or claim in connection with clean-up costs or loss, including
                        expert, legal, appeal and defence costs;
               11.12.2  costs and expenses incurred by the insured in pre-trial and case reviews;
               11.12.3  pre-judgment interest awarded against the insured on that part of any judgment covered
                        under this policy but where the insurer offers to pay the limit of indemnity in settlement of
                        a claim or suit, the insurer will not pay any pre-judgment interest imposed or accruing after
                        the date of such offer;
               11.12.4  all interest accruing on that part of any judgment within the limit of indemnity after entry of
                        the judgment and before insurer has paid, offered to pay or deposited in court that part of
                        any judgment that is within the applicable limit of indemnity;
               11.12.5  the cost of attendance in court as a witness at the insurer’s request, payable at the rate of
                        GBP250 per employee or member or governor per day;

               11.12.6  costs incurred at the request of the insured, with the insurer’s written consent that must be
                        obtained prior to each claim, of legal representation at any coroner's inquest or inquiry in
                        respect of any death which may be the subject of indemnity under this policy;
               11.12.7  In respect of insured section F Defence costs are included within the limit of liability and
                        the retention.





               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 40 of 48]]></page><page Index="229"><![CDATA[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]]></page><page Index="230"><![CDATA[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]]></page><page Index="231"><![CDATA[11.26  Interim losses - insured section F
                        Interim losses means losses which result from the fact that the damaged natural resources
                        and/or services are not able to perform their ecological functions or provide services to other
                        natural resources or to the public until the primary or complementary measures have taken
                        effect. It does not consist of financial compensation to members of the public.

               11.27  Legionella
                        Legionella means any discharge release or escape of legionella or other airborne pathogens
                        from water tanks, water systems, air-conditioning plants, cooling towers and the like.
               11.28  Limit each pollution condition – insured section F
                        Limit each pollution condition means subject to the aggregate environmental limit of
                        liability, the maximum the insurer will pay for all clean-up costs, loss and defence costs
                        arising from the same, continuous repeated or related pollution condition and is the limit
                        each pollution condition as detailed in the schedule to this policy.
                        If the aggregate environmental limit of liability has been reduced by payment of clean-up
                        costs, loss or defence costs to an amount less than the limit each pollution condition
                        detailed in the schedule to this policy, the remaining aggregate environmental limit of
                        liability is the maximum the insurer will pay for any further clean-up costs, loss and
                        defence costs arising out of any subsequent pollution condition.

               11.29  Limit of indemnity - insured sections A - E
                        Limit of indemnity means:
               11.29.1  the amount stated in the schedule which is the maximum amount of the insurer’s liability for
                        any one (1) occurrence regardless of the number of:
                        a)  insureds or other insured parties;
                        b)  persons or organisations bringing claims or suits; or
                        c)  claims against the insured or series of claims against the insured or claims or series of
                           claims made by the insured;

               11.29.2  where a limit of indemnity is stated in the schedule as in the aggregate, that aggregate is
                        the maximum the insurer will pay for all insured events during the period of insurance;
               11.29.3  any  sub-limit  of  indemnity  stated  in  the  schedule  applies  as  if  it  was  the  limit  of
                        indemnity for the claims specified in the schedule for that sub-limit of indemnity and is
                        deemed to be part of and not in addition to the limit of indemnity specified in the schedule
                        unless expressly stated otherwise;
               11.29.4  where indemnity may be provided under two (2) or more insured sections of this policy,
                        then the combined single limit stated in the schedule is the maximum the insurer will pay
                        for any insured event to which such insured sections apply in combination.
               11.30  Limit of Liability – insured section F
                        Limit of liability means:

               11.30.1  aggregate environmental limit of liability;
               11.30.2  limit each pollution condition.
               11.31  Loss – insured section F
                        Loss means any and all sums which the insured becomes legally liable to pay as damages
                        under environmental law resulting from bodily injury, property damage, or clean-up costs
                        incurred by a third party.

               11.32  Member
                        Member means any person elected to serve as an official of the public authority or any
                        person co-opted or appointed to serve on any committees of the public authority.





               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 43 of 48]]></page><page Index="232"><![CDATA[11.33  Microbial matter – insured section F
                        Microbial matter means mould, mildew or any other fungi or bacterial matter, including any
                        mycotoxins, spores, scents or other by products produced or released thereby.

               11.34  Nominated representative
                        Nominated  representative  means  any  employee  or  member  acting  at  the  request  or
                        direction of the public authority as a director, officer or trustee of or in any managerial or
                        supervisory capacity of any outside entity.

               11.35  North America
                        North America means the United States of America or its territories or possessions or
                        Canada.

               11.36  North American jurisdiction
                        North  American  jurisdiction  means  any  judgment,  award,  payment,  defence costs or
                        settlement delivered, made or incurred within countries which form part of North America or
                        which operate under the laws of such countries or any states, provinces or territories forming
                        part of them (or to any order made anywhere in the world to enforce such judgment, award,
                        payment, defence costs or settlement either in whole or in part) then following any event
                        which is or may be the subject of indemnity under the laws of North America.

               11.37  Nuclear hazards
                        Nuclear hazards means:
               11.37.1  ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear
                        waste from the combustion of nuclear fuel;
               11.37.2  the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear
                        assembly or nuclear component thereof.
               11.38  Offshore

                        Offshore means:
               11.38.1  work in or on (and any other visits made in the course of the business to) any offshore rig or
                        platform or support or accommodation vessel for any offshore rig or platform or other
                        offshore structure;
               11.38.2  in transit to and from or between any offshore rig or platform or support or accommodation
                        vessel from the time of embarkation onto a conveyance at the point of final departure to an
                        offshore rig or platform until disembarkation from the conveyance onto land upon return
                        from an offshore rig or platform.

               11.39  Other insured party
                        Other insured party means any of the following parties:
               11.39.1  any director, partner, member, employee or a former employee of the insured;

               11.39.2  any officers, members’ committee and/or employee and voluntary helpers of the insured’s
                        canteen and welfare organisations, nursery, crèche or child care facilities, sports and social
                        organisations, in their respective capacities as such;
               11.39.3  any officers and members of the insured’s security, rescue, first aid or fire and ambulance
                        services or medical organisation other than any qualified medical practitioner while working
                        in a professional capacity in their respective capacities as such;
               11.39.4  any director or partner, member or executive of the insured in respect of private work
                        undertaken by any employee for a director, partner member or executive of the insured;
               11.39.5  any officers or trustees of the insured’s pension scheme(s);
               11.39.6  or specified in the schedule under ‘Indemnity to other persons’.





               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 44 of 48]]></page><page Index="233"><![CDATA[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]]></page><page Index="234"><![CDATA[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]]></page><page Index="235"><![CDATA[11.57  Schedule
                        Schedule means the document titled schedule that includes the name and address of the
                        insured, the premium and other variables to this policy (including endorsement clauses)
                        and is incorporated in this policy and accepted by the insured. Schedules may be re-issued
                        from time to time where each successor overrides the earlier document.

               11.58  Series of claims
                        Series of claims means a number of claims under any one insured section (whether made
                        against or involving one or more persons or entities comprising the insured and whether
                        made by the same or different claimants) that arise directly or indirectly from the same
                        originating cause.

               11.59  Sub-limit of indemnity
                        Sub-limit of indemnity means the maximum liability of the insurer under a specified section,
                        clause or other part of this policy and is the amount stated in the schedule.

               11.60  Terrorism
                        Terrorism means an activity that involves a violent act or the unlawful use of force or an
                        unlawful act dangerous to human life, tangible or intangible property or infrastructure or
                        threat thereof; and appears to be intended to
               11.60.1  intimidate or coerce a civilian population, or

               11.60.2  disrupt any segment of the economy of a government de jure or de facto, state, or country,
                        or
               11.60.3  overthrow, influence, or affect the conduct or policy of any government de jure or de facto
                        by intimidation or coercion, or
               11.60.4  affect the conduct or policy of any government de jure or de facto by mass destruction,
                        assassination, kidnapping or hostage-taking.

               11.61  Underground storage tank – insured section F
                        Underground storage tank means any tank and associated piping and appurtenance which
                        tank has more than 10% of its volume below ground.

               11.62  United Kingdom
                        United Kingdom means Great Britain, Northern Ireland, the Channel Islands or the Isle of
                        Man.

               11.63  War
                        War means war, invasion, acts of foreign enemies, hostilities or warlike operations (whether
                        war be declared or not), civil war, mutiny, revolution, rebellion, insurrection, uprising, military
                        or usurped power or confiscation by order of any public authority or government de jure or
                        de facto or martial law but not including terrorism.

               11.64  Work away - insured sections A - E
                        Work away means work, operations, installation or services performed by or on behalf of the
                        insured but not on its premises.


















               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 47 of 48]]></page><page Index="236"><![CDATA[12       How to Complain

               12.1     Complaints to QBE
                        The insured can complain about this policy by contacting its broker or where the insured’s
                        policy is insured by QBE Europe SA/NV, QBE UK Limited or the insurer is or includes a
                        Lloyd’s syndicate write to:
                        Customer Relations, QBE European Operations, 30 Fenchurch Street, London EC3M 3BD
                        Email: CustomerRelations@uk.qbe.com

                        Telephone: 020 7105 5988

               12.2     The UK Financial Ombudsman Service (UK FOS)
                        If the insured feels that its complaint has not been satisfactorily resolved, the insured may
                        be eligible to contact the UK FOS to review the complaint. Information about the eligibility
                        criteria   is   available   on   the   UK   FOS    website:   https://www.financial-
                        ombudsman.org.uk/consumers/how-to-complain.

                        The insured can contact the UK FOS via its website, or write to Exchange Tower, London
                        E14 9SR, Tel: +44 (0)800 023 4567.

               12.3     Financial Services Compensation Scheme (FSCS)
                        The insured may be entitled to compensation from the FSCS if the insurer is unable to
                        meet its obligations under the policy.  Further information is available from www.fscs.org.uk,
                        or the insured can write to the Financial Services Compensation Scheme, PO Box 300,
                        Mitcheldean, GL17 1DY.
















































               PPBL010121 Public Authority Combined Liability Insurance Policy (UK)                             Page 48 of 48]]></page><page Index="237"><![CDATA[QBE European Operations















            QBE European Operations is a trading name of QBE Europe SA/NV, VAT BE 0690.537.456, RPM/RPR Brussels, IBAN No. BE53949007944353 and SWIFT/BIC No. HSBCBEBB, ('QBE
            Europe'), and of (1) QBE UK Limited, no. 01761561 (‘QBE UK’), (2)  QBE  Underwriting Limited, no. 01035198 ('QUL'), (3) QBE Management Services (UK) Limited, no. 03153567

            ('QMSUK') and (4) QBE Underwriting Services (UK) Limited, no. 02262145 ('QSUK'), all four companies having their registered offices at 30 Fenchurch Street, London, EC 3M  3BD , and
            being incorporated in England and Wales. QBE Europe is authorised by the National Bank of Belgium under licence number 3093. QBE UK and QUL are authorised by the Prudential
            Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. QUL is a Lloyd's managing agent. QMSUK and QSUK are both Appointed
            Representatives of QBE Europe and QUL.]]></page><page Index="238"><![CDATA[DATA PROTECTION OFFICE

                     RISK MANAGEMENT PARTNERS LIMITED SHORT FORM PRIVACY NOTICE

                                          WORDING EFFECTIVE 1 JULY 2020



               How do we maintain your privacy?
               We are the data controller of any personal data you provide to us. We collect and process
               personal data in order to offer and provide insurance services and policies and to process
               claims. Personal data is also used for business purposes such as fraud prevention and
               detection, financial management, to generate risk modelling, conduct analytics including to
               advise, improve and develop our products and services and to comply with our legal and
               regulatory obligations. This may involve sharing information with, and obtaining information
               from, our group companies and third parties such as (re)insurers, other brokers, loss
               adjusters, credit reference agencies, service providers, professional advisors, our regulators
               or fraud prevention agencies.

               We may record telephone calls to help us to monitor and improve the service we provide as
               well as for regulatory purposes.

               Please see our Privacy Notice for further information on how your personal data is used,
               shared, disclosed and retained, your rights in relation to your personal data and how to
               contact our Data Protection Officer. Our Privacy Notice can be found at
               https://rmpartners.co.uk/privacy-policy/.  From time to time we may make important updates
               to our Privacy Notice and these may in turn affect the way we use and handle your data.
               Please ensure you review our Privacy Notice periodically to ensure you are aware of any
               changes.

               If you are entering into this agreement in the course of your business, or as a charity, for
               charitable purposes and providing information on other individuals to us, for example your
               employees and/or any other party that would be covered under the insurance policy we may
               be placing or services we may provide to you, you shall ensure that individuals whose
               personal data you are providing to us have been provided with fair processing notices that
               are sufficient in scope and purpose, and that you have obtained all appropriate consents,
               where required, or are otherwise authorised, to transfer the personal data to us and enable
               us to use the personal data and process the personal data for the purposes of this
               agreement and as set forth in our Privacy Notice. You must not share personal data with us
               that is not necessary for us to offer, provide or administer our services to you.]]></page><page Index="239"><![CDATA[About RMP

                 For over 25 years RMP has been dedicated to understanding and providing solutions for public and
                 education sector risks.
                 Our work with brokers as well as their local government, education and emergency service clients has
                 helped to shape best practice and advance their risk management practices.
                 We work with a panel of highly-rated insurers to source policies that we believe best meet the needs of
                 public and education sector risk managers.
                 This is an exclusive policy wording, only available to RMP clients. If there is anything that requires
                 clarification, please ask your broker to get in touch with us.

                 RMP privacy policy:
                 rmpartners.co.uk/privacy-policy











































                 Risk Management Partners
                 The Walbrook Building
                 25 Walbrook
                 London EC4N 8AW
                 020 7204 1800
                 rmpartners.co.uk

                 Risk Management Partners Limited is authorised and regulated by the
                 Financial Conduct Authority. Registered office: The Walbrook Building,
                 25 Walbrook, London EC4N 8AW. Registered in England and Wales.
                   Company no. 2989025.]]></page><page Index="240"><![CDATA[QBE European Operations

                 Public Authority Officials Indemnity Insurance (UK)
                                                     Schedule


             Public Authority:             London Borough of Enfield

             Address:                      Civic Centre, Silver Street, Enfield, London, EN1 3XN

             Business:                     London Borough

             Policy Number:                037499/01/2019/0180

             Unique Market Reference:      B1263EG0259919

             Policy Wording Reference:     PPAO050718
                                           Cover is provided by the policy wording as above and the endorsements
                                           detailed below.

             Period of Insurance           From: 01 April 2019            To: 31 March 2020
                                           both days inclusive Greenwich Mean Time and for such further period or
                                           periods as may be mutually agreed upon.

             Retroactive Date:             01 April 2004

             Date Issued:                  01 May 2019            Issue Number:       3
             Reason for Issue:             Addition of Endorsement 002

             Insurer:                      QBE UK Ltd
                                           (registered in England number 1761561; Home State - United Kingdom.
                                           Authorised by the Prudential Regulation Authority and regulated by the
                                           Financial Conduct Authority and the Prudential Regulation Authority.;
                                           registration number 202842)

             Registered Address:           Plantation Place, 30 Fenchurch Street, London, EC3M 3BD
                                           Tel: + 44 (0) 20 7105 4000  Fax + 44 (0) 207 105 4019

             Contact Details
             Issue Office:                 London

             Claim Notification:           Gallagher Bassett International

             Complaints:                   Customer Relations
                                           Plantation Place, 30 Fenchurch Street, London, EC3M 3BD
                                           Tel: + 44 (0) 20 7105 4000  Fax: + 44 (0) 20 7105 4032
                                           Email: CustomerRelations@uk.qbe.com
                                           If an eligible complainant and the matter has not been resolved to your
                                           satisfaction you may contact: The Financial Ombudsman Service, South
                                           Quay Plaza 2, 183 Marsh Wall, Docklands, London E14 9SR.
                                           Where the insurer is or includes a Lloyd’s syndicate policyholders may
                                           also be eligible to complain to: Policyholder and Market Assistance, Lloyd’s
                                           Market Services, One Lime Street, London EC3M 7HA, tel: +44 (0)20 7327
                                           5693, fax: +44 (0)20 7327 5225.
                                           A summary of the insurer’s complaint handling procedure is available on
                                           request and will also be provided to you when acknowledging a complaint.]]></page><page Index="241"><![CDATA[Cover Applicable

               The figures below apply other than where specifically stated to the contrary within an appendix of this
               Schedule or within a particular insured section of the policy.

                 Insured
                 section                       Sub/ Limit of indemnity                         Retention
                               Limit of indemnity- GBP 10,000,000 any one claim and in the
                               aggregate.
                               Including sub-limits of indemnity for:
                                                     GBP 250,000 each and every claim or series of
                               Consumer Protection Act   claims and for all claims in the aggregate during
                               1987
                                                     the period of insurance
                                                     GBP 250,000 each and every claim or series of   GBP 500,000
              Officials        Data Protection       claims and for all claims in the aggregate during
                                                     the period of insurance
              Indemnity                                                                      each and every
                               Food Safety Act 1990   GBP 250,000 each and every claim or series of   claim or series of
                                                     claims and for all claims in the aggregate during
                                                     the period of insurance                     claims
                                                     GBP 10,000,000 each and every claim or series
                               Land charges          of claims and for all claims in the aggregate
                                                     during the period of insurance

                                                     GBP  250,000 each and every claim or series of
                               Public Health Act     claims and for all claims in the aggregate during
                                                     the period of insurance]]></page><page Index="242"><![CDATA[Condition – Aggregate Stop Loss: GBP

               The non-ranking excess means the first amount payable by the insured in respect of each and every
               occurrence, claim or potential claim including any defence costs made against the insured, and all
               such payments are excluded from this insurance.  The limit of indemnity by this policy is additional
               to the non-ranking excess which shall stand at:
               GBP Nil

               In addition the insured will pay the first amount of any covered loss as retention but the maximum
               amount for which the insured is responsible for each and every occurrence, claim or potential claim
               including any defence costs during any one period of insurance in respect of all amounts payable
               as  retention  will  not exceed the figure shown  above as the  Aggregate stop  limit.   The amounts
               payable as non-ranking excess will not contribute to the Aggregate stop limit

               Further  the Aggregate stop limit under this  policy  is shared with and eroded in like  manner by
               payments under the following coverages:

               Combined Liability – Y129076QBE0119A
               Professional Indemnity – 037803/01/2019/0167

               Upon exhaustion of the Aggregate stop limit the insurer will reimburse the insured for subsequent
               loss payments within this retention but the non-ranking excess will stand at:

               GBP         in respect of Officials Indemnity and Professional Indemnity only]]></page><page Index="243"><![CDATA[Additional Premium Due For This Transaction



                   Payment of the premium as specified below will be deemed acceptance by the public authority
                   of the policy terms.


                     Minimum and Deposit                      GBP

                     Insurance Premium Tax at 12%             GBP

                     Total Payable in this Transaction        GBP




               Future Annual Premium



                   Payment of the premium as specified below will be deemed acceptance by the public authority
                   of the policy terms.

                     Minimum and Deposit                      GBP

                     Insurance Premium Tax at 12%             GBP

                     Total Payable                            GBP










               Signed on behalf of the insurer]]></page><page Index="244"><![CDATA[Claims Handling Authority

               With regard to Clause 3 ‘Duties in the event of a claim or potential claim’ of this policy any reference
               to the  insurer  shall be deemed to include any party authorised to  handle claims on the insurer’s
               behalf.
               The insurer has authorised Gallagher Bassett International Limited to handle claims on the insurer’s
               behalf in respect of this policy.
               In-House Claims Handling Agreement including conditions and reporting requirements


               There is no authority granted to the public authority in respect of the handling of claims that may be
               subject to indemnity under this policy.]]></page><page Index="245"><![CDATA[Endorsements

               Endorsement 001 - Pension Administration

               Notwithstanding exclusion 2.4.24, the policy is extended to indemnify the public authority in respect
               of office administration tasks undertaken in respect of providing a pension scheme for employees for
               all sums which the public authority becomes legally liable to pay.

               For the purposes of this extension office administration shall mean –

                  a)   Managing the addition and removal of members from the pension scheme.
                  b)   Answering enquiries by telephone, post or email.
                  c)   Using a computer system to look up information and update records.
                  d)   Calculating pension forecasts and preparing statements.
                  e)   Processing pension contributions.
                  f)   Transferring benefits to another pension provider if a customer changes employer.
                  g)   Arranging payment of pensions and lump sums.
                  h)   Keeping accurate records.


               The minimum retention applicable to this extension will be GBP 100,000 each and every claim or
               series of claims; or as per the policy schedule whichever is greater.

               All other terms, conditions and exceptions remain unchanged.

               Endorsement 002 - Retention – Election officials

               The retention stated in the schedule is NIL in respect of any indemnity provided to any Election
               official with regard to any election held during the period of insurance.]]></page><page Index="246"><![CDATA[Long Term Agreement – Expiry Date: 31 March 2022

               Until the long term agreement expiry date shown above the public authority undertakes to offer to
               renew annually the insurance under this policy on the terms and conditions in force at the expiry of
               each period of insurance provided it is understood that;

               a)  the insurer is under no obligation to accept the offer to renew made in accordance with the above
                   mentioned undertaking;
               b)  the insurer may increase the Aggregate Stop Limit at each renewal date by up to   following
                   agreement to such increase by the public authority.
               The above mentioned undertaking applies to  any  policy  which may  be  issued by the  insurer  in
               substitution for this policy.
               Payment of the premium  as specified will be deemed acceptance by the  public  authority  of the
               policy terms.
               The public authority has the option to extend the expiry date annually by a further two years at its
               discretion.]]></page><page Index="247"><![CDATA[QBE European Operations

                Public Authority Officials Indemnity Insurance (UK)
                                                    Schedule


             Public Authority:             London Borough of Enfield

             Address:                      Civic Centre, Silver Street, Enfield, London, EN1 3XN

             Business:                     London Borough

             Policy Number:                037499/01/2020/0180

             Unique Market Reference:      B1263EG0259920

             Policy Wording Reference:     PPAO011119
                                           Cover is provided by the policy wording as above and the endorsements
                                           detailed below.

             Period of Insurance           From: 01 April 2020            To: 31 March 2021
                                           both days inclusive Greenwich Mean Time and for such further period or
                                           periods as may be mutually agreed upon.

             Retroactive Date:             01 April 2004

             Date Issued:                  17 April 2020          Issue Number:        2
             Reason for Issue:             Amendment to Retroactive Date

             Insurer:                      QBE UK Ltd
                                           (registered in England number 1761561; Home State - United Kingdom.
                                           Authorised by the Prudential Regulation Authority and regulated by the
                                           Financial Conduct Authority and the Prudential Regulation Authority.;
                                           registration number 202842)

             Registered Address:           Plantation Place, 30 Fenchurch Street, London, EC3M 3BD
                                           Tel: + 44 (0) 20 7105 4000  Fax + 44 (0) 207 105 4019

             Contact Details
             Issue Office:                 Risk Management Partners Ltd, 67 Lombard Street, London, EC3V 9LJ

             Claim Notification:           Gallagher Bassett International

             Territorial Limits:           Worldwide

             Jurisdiction:                 Worldwide excluding North America

             Policy Law and Jurisdiction:  The law of that part of the United Kingdom where the authority is
                                           headquartered]]></page><page Index="248"><![CDATA[Cover Applicable

               The figures below apply other than where specifically stated to the contrary within an appendix of this
               Schedule or within a particular insured section of the policy.

                 Insured                       Sub/ Limit of indemnity                         Retention
                 section
                               Limit of indemnity- GBP 10,000,000 any one claim and in the
                               aggregate.
                               Including sub-limits of indemnity for:
                                                     GBP 250,000 each and every claim or series of
                               Consumer Protection Act
                               1987                  claims and for all claims in the aggregate during
                                                     the period of insurance
                                                     GBP 250,000 each and every claim or series of   GBP 500,000
              Officials        Data Protection       claims and for all claims in the aggregate during
                                                     the period of insurance
              Indemnity                                                                      each and every
                               Food Safety Act 1990   GBP 250,000 each and every claim or series of   claim or series of
                                                     claims and for all claims in the aggregate during
                                                     the period of insurance                     claims
                                                     GBP 10,000,000 each and every claim or series
                               Land charges          of claims and for all claims in the aggregate
                                                     during the period of insurance

                                                     GBP  250,000 each and every claim or series of
                               Public Health Act     claims and for all claims in the aggregate during
                                                     the period of insurance]]></page><page Index="249"><![CDATA[Condition – Aggregate Stop Loss: GBP

               The non-ranking excess means the first amount payable by the insured in respect of each and every
               occurrence, claim or potential claim including any defence costs made against the insured, and all
               such payments are excluded from this insurance.  The limit of indemnity by this policy is additional
               to the non-ranking excess which shall stand at:
               GBP Nil

               In addition the insured will pay the first amount of any covered loss as retention but the maximum
               amount for which the insured is responsible for each and every occurrence, claim or potential claim
               including any defence costs during any one period of insurance in respect of all amounts payable
               as  retention  will not exceed the figure shown above as the Aggregate stop limit.  The amounts
               payable as non-ranking excess will not contribute to the Aggregate stop limit

               Further  the  Aggregate stop  limit under this  policy is shared with and eroded in like manner by
               payments under the following coverages:

               Combined Liability – Y129076QBE0120A
               Professional Indemnity – 037803/01/2020/0167

               Upon exhaustion of the Aggregate stop limit the insurer will reimburse the insured for subsequent
               loss payments within this retention but the non-ranking excess will stand at:

               GBP          in respect of Officials Indemnity and Professional Indemnity only]]></page><page Index="250"><![CDATA[Annual Premium



                   Payment of the premium as specified below will be deemed acceptance by the public authority
                   of the policy terms.

                     Minimum and Deposit                     GBP

                     Insurance Premium Tax at 12%            GBP

                     Total Payable                           GBP























               Signed on behalf of the insurer]]></page><page Index="251"><![CDATA[Claims Handling Authority


               With regard to Clause 3 ‘Duties in the event of a claim or potential claim’ of this policy any reference
               to the insurer shall be deemed to include any party authorised to handle claims on the insurer’s
               behalf.
               The insurer has authorised Gallagher Bassett International Limited to handle claims on the insurer’s
               behalf in respect of this policy.
               In-House Claims  Handling Agreement including conditions and reporting requirements

               There is no authority granted to the public authority in respect of the handling of claims that may be
               subject to indemnity under this policy.]]></page><page Index="252"><![CDATA[Endorsements

               Endorsement 001 - Retention – Election officials

               The retention stated in the schedule is NIL in respect of any indemnity provided to any Election
               official with regard to any election held during the period of insurance.]]></page><page Index="253"><![CDATA[Long Term Agreement – Expiry Date: 31 March 2022

               Until the long term agreement expiry date shown above the public authority undertakes to offer to
               renew annually the insurance under this policy on the terms and conditions in force at the expiry of
               each period of insurance provided it is understood that;

               a)  the insurer is under no obligation to accept the offer to renew made in accordance with the above
                   mentioned undertaking;
               b)  the insurer may increase the Aggregate Stop Limit at each renewal date by up to    following
                   agreement to such increase by the public authority.

               The  above  mentioned  undertaking  applies  to any policy which may be issued by the insurer in
               substitution for this policy.
               Payment of the premium as specified will be deemed acceptance by the public authority of the
               policy terms.
               The public authority has the option to extend the expiry date annually by a further two years at its
               discretion.]]></page><page Index="254"><![CDATA[QBE European Operations

                 Public Authority Officials Indemnity Insurance (UK)
                                                     Schedule


             Public Authority:             London Borough of Enfield

             Address:                      Civic Centre, Silver Street, Enfield, London, EN1 3XN

             Business:                     London Borough

             Policy Number:                037499/01/2021/0180

             Unique Market Reference:      B1263EG0259921

             Policy Wording Reference:     PPAO010121
                                           Cover is provided by the policy wording as above and the endorsements
                                           detailed below.

             Period of Insurance           From: 01 April 2021            To: 31 March 2022
                                           both days inclusive Greenwich Mean Time and for such further period or
                                           periods as may be mutually agreed upon.

             Retroactive Date:             01 April 2004

             Date Issued:                  31 March 2021          Issue Number:       2
             Reason for Issue:             Amendment to Retroactive Date

             Insurer:                      QBE UK Ltd
                                           (registered in England number 1761561; Home State - United Kingdom.
                                           Authorised by the Prudential Regulation Authority and regulated by the
                                           Financial Conduct Authority and the Prudential Regulation Authority.;
                                           registration number 202842)

             Registered Address:           30 Fenchurch Street, London, EC3M 3BD
                                           Tel: + 44 (0) 20 7105 4000  Fax + 44 (0) 207 105 4019

             Contact Details
             Issue Office:                 Risk Management Partners Ltd, 67 Lombard Street, London, EC3V 9LJ

             Claim Notification:           Gallagher Bassett International

             Territorial Limits:           Worldwide

             Jurisdiction:                 Worldwide excluding North America

             Policy Law and Jurisdiction:   The law of that part of the United Kingdom where the authority is
                                           headquartered]]></page><page Index="255"><![CDATA[Cover Applicable

               The figures below apply other than where specifically stated to the contrary within an appendix of this
               Schedule or within a particular insured section of the policy.

                 Insured
                 section                       Sub/ Limit of indemnity                         Retention

                               Limit of indemnity- GBP 10,000,000 any one claim and in the
                               aggregate.
                               Including sub-limits of indemnity for:

                               Consumer Protection Act   GBP 250,000 each and every claim or series of
                                                     claims and for all claims in the aggregate during
                               1987                  the period of insurance
                                                     GBP 250,000 each and every claim or series of   GBP 500,000
              Officials        Data Protection       claims and for all claims in the aggregate during
                                                     the period of insurance
              Indemnity                                                                      each and every
                               Food Safety Act 1990   GBP 250,000 each and every claim or series of   claim or series of
                                                     claims and for all claims in the aggregate during
                                                     the period of insurance                     claims
                                                     GBP 10,000,000 each and every claim or series
                               Land charges          of claims and for all claims in the aggregate
                                                     during the period of insurance
                                                     GBP  250,000 each and every claim or series of
                               Public Health Act     claims and for all claims in the aggregate during
                                                     the period of insurance]]></page><page Index="256"><![CDATA[Condition – Aggregate Stop Loss: GBP

               The non-ranking excess means the first amount payable by the insured in respect of each and every
               occurrence, claim or potential claim including any defence costs made against the insured, and all
               such payments are excluded from this insurance.  The limit of indemnity by this policy is additional
               to the non-ranking excess which shall stand at:
               GBP Nil

               In addition the insured will pay the first amount of any covered loss as retention but the maximum
               amount for which the insured is responsible for each and every occurrence, claim or potential claim
               including any defence costs during any one period of insurance in respect of all amounts payable
               as  retention  will  not exceed the figure shown  above as the  Aggregate stop  limit.   The amounts
               payable as non-ranking excess will not contribute to the Aggregate stop limit

               Further the Aggregate stop limit under this  policy  is shared  with  and eroded in like manner by
               payments under the following coverages:

               Combined Liability – Y129076QBE0121A
               Professional Indemnity – 037803/01/2021/0167

               Upon exhaustion of the Aggregate stop limit the insurer will reimburse the insured for subsequent
               loss payments within this retention but the non-ranking excess will stand at:

               GBP         in respect of Officials Indemnity and Professional Indemnity only]]></page><page Index="257"><![CDATA[Annual Premium



                   Payment of the premium as specified below will be deemed acceptance by the public authority
                   of the policy terms.

                     Minimum and Deposit                      GBP

                     Insurance Premium Tax at 12%             GBP

                     Total Payable                            GBP


























               Signed on behalf of the insurer]]></page><page Index="258"><![CDATA[Claims Handling Authority


               With regard to Clause 3 ‘Duties in the event of a claim or potential claim’ of this policy any reference
               to the  insurer  shall be deemed to include any party authorised to  handle claims on the insurer’s
               behalf.
               The insurer has authorised Gallagher Bassett International Limited to handle claims on the insurer’s
               behalf in respect of this policy.
               In-House Claims Handling Agreement including conditions and reporting requirements

               There is no authority granted to the public authority in respect of the handling of claims that may be
               subject to indemnity under this policy.]]></page><page Index="259"><![CDATA[Endorsements

               Endorsement 001 - Retention – Election officials

               The retention stated in the schedule is NIL in respect of any indemnity provided to any Election
               official with regard to any election held during the period of insurance.]]></page><page Index="260"><![CDATA[Long Term Agreement – Expiry Date: 31 March 2022

               Until the long term agreement expiry date shown above the public authority undertakes to offer to
               renew annually the insurance under this policy on the terms and conditions in force at the expiry of
               each period of insurance provided it is understood that;

               a)  the insurer is under no obligation to accept the offer to renew made in accordance with the above
                   mentioned undertaking;
               b)  the insurer may increase the Aggregate Stop Limit at each renewal date by up to    following
                   agreement to such increase by the public authority.
               The above mentioned undertaking applies to  any  policy  which may  be  issued by the  insurer  in
               substitution for this policy.
               Payment  of the premium as specified  will  be deemed  acceptance by  the  public  authority  of the
               policy terms.
               The public authority has the option to extend the expiry date annually by a further two years at its
               discretion.]]></page><page Index="261"><![CDATA[Subjectivities


               1.  Terms are subject to the satisfactory completion of a no claims declaration being returned prior to
                  01 April 2021 otherwise we reserve our right to amend the terms & conditions &/or premium and a
                  retroactive date of 01 April 2021 will be applied to the policy.


               This Insurance is subject to satisfactory receipt of the above within 14 days of inception/renewal date.
               This insurance will remain in full force and effect pending receipt of such items except that:

               If a claim is first made against the insured  on or before receipt of the above, the insurer  shall not be
               liable to pay any loss under the Policy that is causally and directly connected to that part of the
               information required that is materially changed from information previously provided.

               The insurer has the right to amend terms within 7 working days of receipt of the above and during that
               period this insurance will remain in full force and effect except that if a claim is made against the
               insured during this period the insurer shall not be liable to pay any loss under the Policy that is
               causally and directly connected to that part of the information required that is materially changed from
               the information previously provided.]]></page></pages></Search>
