PPBL010121 Public Authority Combined Liability Insurance Policy (UK) :@0.119792:0.943001:0.548797:0.943001:0.548797:0.932403:0.119792:0.932403:0.009395:0.009395:0.009395:0.008051:0.008051:0.008051:0.008229:0.008065:0.006720:0.008065:0.002739:0.009395:0.008051:0.008051:0.002688:0.002688:0.006720:0.002688:0.009395:0.008051:0.004019:0.006720:0.008051:0.004032:0.002688:0.004019:0.006720:0.002688:0.009409:0.008051:0.010753:0.008051:0.002688:0.008051:0.008051:0.008051:0.002688:0.008051:0.002688:0.008051:0.006720:0.002688:0.002688:0.002688:0.004019:0.006720:0.002688:0.004019:0.008051:0.006720:0.008051:0.004032:0.008051:0.008051:0.006720:0.006720:0.002688:0.009395:0.008051:0.002688:0.002688:0.006720:0.006720:0.002688:0.004032:0.009409:0.009395:0.004758:0.003737 Page 2 of 48 :@0.604301:0.943001:0.783004:0.943001:0.783004:0.932403:0.604301:0.932403:0.004019:0.004019:0.002688:0.004019:0.004019:0.004019:0.002688:0.004019:0.004019:0.004019:0.004019:0.002688:0.004019:0.004019:0.004019:0.002688:0.004019:0.004019:0.004019:0.004019:0.002688:0.004019:0.004019:0.004019:0.002688:0.004405:0.009395:0.008051:0.008051:0.008051:0.002792:0.008098:0.002688:0.008051:0.004019:0.002715:0.008065:0.008098:0.003737 :@0.905796:0.944332:0.908834:0.944332:0.908834:0.934827:0.905796:0.934827:0.003038 :@0.882897:0.954408:0.886633:0.954408:0.886633:0.943809:0.882897:0.943809:0.003737 Contents :@0.191112:0.103504:0.302806:0.103504:0.302806:0.084393:0.191112:0.084393:0.017498:0.014808:0.014808:0.008070:0.013475:0.014711:0.008070:0.013516:0.006738 :@0.191112:0.125391:0.197850:0.125391:0.197850:0.106280:0.191112:0.106280:0.006737 1:@0.191112:0.144548:0.201575:0.144548:0.201575:0.129710:0.191112:0.129710:0.010462 :@0.201865:0.145081:0.206118:0.145081:0.206118:0.131773:0.201865:0.131773:0.004253 Our agreement in general ................................................................................ 3:@0.222077:0.144548:0.881262:0.144548:0.881262:0.129710:0.222077:0.129710:0.014772:0.010726:0.006699:0.005363:0.009409:0.010726:0.005382:0.010726:0.010726:0.014790:0.010726:0.009409:0.005363:0.005363:0.004027:0.010726:0.004027:0.010726:0.010726:0.009409:0.010726:0.006699:0.009409:0.004657:0.002688:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005595:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005628:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005494:0.004032:0.010462 :@0.881552:0.145081:0.885805:0.145081:0.885805:0.131773:0.881552:0.131773:0.004253 2:@0.191112:0.167398:0.201575:0.167398:0.201575:0.152559:0.191112:0.152559:0.010462 :@0.201865:0.167930:0.206118:0.167930:0.206118:0.154622:0.201865:0.154622:0.004253 Insured section A - Employers’ liability ............................................................. 4:@0.222077:0.167398:0.881262:0.167398:0.881262:0.152559:0.222077:0.152559:0.005363:0.010726:0.009409:0.010726:0.005382:0.010726:0.010726:0.005363:0.008073:0.010726:0.009409:0.005363:0.004027:0.009409:0.010726:0.005363:0.012099:0.005782:0.005376:0.005376:0.012099:0.014790:0.010726:0.004027:0.010726:0.009409:0.010726:0.005382:0.009409:0.004027:0.005363:0.004027:0.004027:0.009679:0.010726:0.004027:0.004027:0.004027:0.005363:0.009515:0.004032:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005628:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005578:0.004032:0.010462 :@0.881552:0.167930:0.885805:0.167930:0.885805:0.154622:0.881552:0.154622:0.004253 3:@0.191112:0.189285:0.201575:0.189285:0.201575:0.174446:0.191112:0.174446:0.010462 :@0.201865:0.189817:0.206118:0.189817:0.206118:0.176509:0.201865:0.176509:0.004253 Insured section B - Public liability ................................................................... 10:@0.222077:0.189285:0.881229:0.189285:0.881229:0.174446:0.222077:0.174446:0.005363:0.010726:0.009409:0.010726:0.005382:0.010726:0.010726:0.005363:0.008073:0.010726:0.009409:0.005363:0.004027:0.009409:0.010726:0.005363:0.012099:0.005782:0.005376:0.005376:0.012099:0.010726:0.010726:0.004027:0.004027:0.009409:0.005363:0.004027:0.004027:0.009409:0.010726:0.004027:0.004027:0.004027:0.005363:0.008375:0.002688:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005578:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005645:0.005376:0.005376:0.005376:0.004032:0.010753:0.010462 :@0.881552:0.189817:0.885805:0.189817:0.885805:0.176509:0.881552:0.176509:0.004253 4:@0.191112:0.211183:0.201575:0.211183:0.201575:0.196345:0.191112:0.196345:0.010462 :@0.201865:0.211716:0.206118:0.211716:0.206118:0.198408:0.201865:0.198408:0.004253 Insured section C - Products liability............................................................... 13:@0.222077:0.211183:0.881229:0.211183:0.881229:0.196345:0.222077:0.196345:0.005363:0.010726:0.009409:0.010726:0.005382:0.010726:0.010726:0.005363:0.008073:0.010726:0.009409:0.005363:0.004027:0.009409:0.010726:0.005363:0.013435:0.004446:0.006720:0.005376:0.012099:0.006699:0.009409:0.010726:0.010726:0.009409:0.004027:0.009409:0.005363:0.004027:0.004027:0.009409:0.010726:0.004027:0.004027:0.004027:0.005363:0.009735:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005628:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005595:0.004032:0.010753:0.010462 :@0.881552:0.211716:0.885805:0.211716:0.885805:0.198408:0.881552:0.198408:0.004253 5:@0.191112:0.233997:0.201575:0.233997:0.201575:0.219159:0.191112:0.219159:0.010462 :@0.201865:0.234529:0.206118:0.234529:0.206118:0.221221:0.201865:0.221221:0.004253 Insured section D - Pollution liability ............................................................... 14:@0.222077:0.233997:0.881229:0.233997:0.881229:0.219159:0.222077:0.219159:0.005363:0.010726:0.009409:0.010726:0.005382:0.010726:0.010726:0.005363:0.008073:0.010726:0.009409:0.005363:0.004027:0.009409:0.010726:0.005363:0.013435:0.004446:0.006720:0.005376:0.012099:0.010726:0.004027:0.004027:0.010726:0.005363:0.002691:0.010726:0.010726:0.005363:0.004027:0.004027:0.009409:0.010726:0.004027:0.004027:0.004027:0.005363:0.008440:0.002688:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005628:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005595:0.004032:0.010753:0.010462 :@0.881552:0.234529:0.885805:0.234529:0.885805:0.221221:0.881552:0.221221:0.004253 6:@0.191112:0.255884:0.201575:0.255884:0.201575:0.241046:0.191112:0.241046:0.010462 :@0.201865:0.256416:0.206118:0.256416:0.206118:0.243108:0.201865:0.243108:0.004253 Insured section E – Coverage extensions to insured sections B, C and D ....... 16:@0.222077:0.255884:0.881229:0.255884:0.881229:0.241046:0.222077:0.241046:0.005363:0.010726:0.009409:0.010726:0.005382:0.010726:0.010726:0.005363:0.008073:0.010726:0.009409:0.005363:0.004027:0.009409:0.010726:0.005363:0.012099:0.005782:0.010753:0.004032:0.013435:0.010726:0.009409:0.009409:0.006699:0.009409:0.010726:0.010726:0.005363:0.009409:0.009409:0.005363:0.010726:0.009409:0.009409:0.004027:0.010726:0.010726:0.009409:0.004027:0.005363:0.010726:0.005363:0.004027:0.009409:0.009409:0.010726:0.005382:0.010726:0.010726:0.005363:0.008073:0.010726:0.009409:0.005363:0.004027:0.009409:0.010726:0.009409:0.005363:0.012099:0.005363:0.005363:0.013435:0.005363:0.009409:0.009409:0.010726:0.005363:0.013220:0.004032:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005427:0.004032:0.010753:0.010462 :@0.881552:0.256416:0.885805:0.256416:0.885805:0.243108:0.881552:0.243108:0.004253 7:@0.191112:0.277783:0.201575:0.277783:0.201575:0.262944:0.191112:0.262944:0.010462 :@0.201865:0.278315:0.206118:0.278315:0.206118:0.265007:0.201865:0.265007:0.004253 Exclusions to insured sections B, C, D and E ................................................. 22:@0.222077:0.277783:0.881229:0.277783:0.881229:0.262944:0.222077:0.262944:0.012099:0.009409:0.009409:0.004027:0.010726:0.009409:0.004027:0.010726:0.010726:0.009409:0.004027:0.005363:0.010726:0.005363:0.004027:0.009409:0.009409:0.010726:0.005382:0.010726:0.010726:0.005363:0.008073:0.010726:0.009409:0.005363:0.004027:0.009409:0.010726:0.009409:0.005363:0.012099:0.005363:0.005363:0.013435:0.004027:0.005363:0.013435:0.005363:0.009409:0.010726:0.010726:0.005363:0.011694:0.004032:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005595:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005511:0.004032:0.010753:0.010462 :@0.881552:0.278315:0.885805:0.278315:0.885805:0.265007:0.881552:0.265007:0.004253 8:@0.191112:0.300596:0.201575:0.300596:0.201575:0.285758:0.191112:0.285758:0.010462 :@0.201865:0.301129:0.206118:0.301129:0.206118:0.287821:0.201865:0.287821:0.004253 Insured section F - Premises environmental liability ........................................ 27:@0.222077:0.300596:0.881229:0.300596:0.881229:0.285758:0.222077:0.285758:0.005363:0.010726:0.009409:0.010726:0.005382:0.010726:0.010726:0.005363:0.008073:0.010726:0.009409:0.005363:0.004027:0.009409:0.010726:0.004027:0.012081:0.005793:0.006720:0.005376:0.010745:0.006699:0.010726:0.014790:0.004027:0.009409:0.010726:0.009409:0.004027:0.010726:0.010726:0.009409:0.004027:0.005382:0.010726:0.010726:0.014790:0.010726:0.009409:0.005363:0.009409:0.004027:0.005363:0.004027:0.004027:0.009409:0.010726:0.004027:0.004027:0.004027:0.005363:0.010062:0.001344:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005628:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005427:0.004032:0.010753:0.010462 :@0.881552:0.301129:0.885805:0.301129:0.885805:0.287821:0.881552:0.287821:0.004253 9:@0.191112:0.322483:0.201575:0.322483:0.201575:0.307645:0.191112:0.307645:0.010462 :@0.201865:0.323016:0.206118:0.323016:0.206118:0.309708:0.201865:0.309708:0.004253 Duties in the event of a claim or potential claim .............................................. 30:@0.222077:0.322483:0.881229:0.322483:0.881229:0.307645:0.222077:0.307645:0.013435:0.010726:0.005363:0.004027:0.010726:0.009409:0.005363:0.002847:0.010726:0.005363:0.005363:0.009409:0.010726:0.005363:0.010726:0.008073:0.010726:0.010726:0.005363:0.004027:0.009409:0.006699:0.005363:0.009409:0.005363:0.009409:0.004027:0.009409:0.004027:0.014790:0.005363:0.010726:0.006699:0.005363:0.010726:0.010726:0.004027:0.010726:0.010726:0.005363:0.004027:0.009409:0.004027:0.005363:0.009409:0.004027:0.009409:0.004027:0.015698:0.004032:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005628:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005460:0.004032:0.010753:0.010462 :@0.881552:0.323016:0.885805:0.323016:0.885805:0.309708:0.881552:0.309708:0.004253 10 General terms and conditions ........................................................................ 33:@0.191112:0.344370:0.881229:0.344370:0.881229:0.329532:0.191112:0.329532:0.010753:0.010462:0.009749:0.014772:0.010726:0.010726:0.009409:0.006699:0.009409:0.004027:0.005363:0.005363:0.010726:0.006699:0.014790:0.009409:0.005363:0.009409:0.010726:0.010726:0.005363:0.008073:0.010726:0.010726:0.010726:0.002691:0.005363:0.004027:0.010726:0.010726:0.008788:0.004015:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005595:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005628:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005427:0.004032:0.010753:0.010462 :@0.212651:0.344903:0.216904:0.344903:0.216904:0.331595:0.212651:0.331595:0.004253 :@0.881552:0.344903:0.885805:0.344903:0.885805:0.331595:0.881552:0.331595:0.004253 11 General definitions and interpretation ............................................................. 39:@0.191112:0.366269:0.881229:0.366269:0.881229:0.351431:0.191112:0.351431:0.010753:0.010462:0.009749:0.014772:0.010726:0.010726:0.009409:0.006699:0.009409:0.004027:0.005363:0.010726:0.009409:0.006699:0.004027:0.010726:0.002691:0.005363:0.004027:0.010726:0.010726:0.008073:0.005363:0.009409:0.010726:0.010726:0.005363:0.004027:0.010726:0.004027:0.010726:0.006699:0.009409:0.006699:0.010726:0.005363:0.009409:0.005363:0.004027:0.009409:0.010326:0.002671:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005595:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005595:0.004032:0.010753:0.010462 :@0.212651:0.366801:0.216904:0.366801:0.216904:0.353493:0.212651:0.353493:0.004253 :@0.881552:0.366801:0.885805:0.366801:0.885805:0.353493:0.881552:0.353493:0.004253 12 How to Complain ........................................................................................... 48:@0.191112:0.389083:0.881229:0.389083:0.881229:0.374244:0.191112:0.374244:0.010753:0.010462:0.009749:0.013435:0.010726:0.013435:0.005363:0.005363:0.010726:0.005363:0.012099:0.010726:0.014790:0.010726:0.004027:0.009409:0.004027:0.011116:0.002688:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005595:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005628:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005376:0.005544:0.004032:0.010753:0.010462 :@0.212651:0.389615:0.216904:0.389615:0.216904:0.376307:0.212651:0.376307:0.004253 :@0.881552:0.389615:0.885805:0.389615:0.885805:0.376307:0.881552:0.376307:0.004253 :@0.191112:0.414638:0.197850:0.414638:0.197850:0.395527:0.191112:0.395527:0.006737