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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

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Public Sector General Terms and Conditions Policy Wording TRV0125 02/14 Policy Code 2009 05/12