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Part K – Professional Indemnity

Section 1 – Special Definitions

Costs and Expenses
a) Claimants’ costs and expenses which you become legally liable to pay
b) costs incurred with our written consent in defending any claim for damages which may be the
subject of indemnity under this part.

Employee
Any natural person who is:
a) under a contract of service or apprenticeship with you or your relevant officer
b) a labour master or labour only subcontractor or persons supplied by any of them

c) self employed
d) under a work experience or similar scheme
e) hired or borrowed by you from another employer

f) a chief officer
g) a special constable

and working for you or your relevant officer in connection with the business while under your or
your relevant officer’s direct control or supervision.

Pollution or Contamination
Pollution or contamination of buildings or other structures or of water or land or the atmosphere.

Services
Services stated in the schedule.

Section 2 – The Cover

We will indemnify you in respect of all sums which you become legally liable to pay as damages arising
out of the provision of the Services within the territorial limits that result in a claim being first made
against you and notified to us during the period of insurance for any breach of professional duty due
to any negligent act, error or omission committed or alleged to have been committed by any Employee.

In addition we will pay Costs and Expenses.
Costs and Expenses will not be subject to any excess.

2.1 Court Attendance Costs
We will pay you a daily rate of £500 if any member, Employee or volunteer is required to attend
court as a witness at our request.

Our liability will not exceed £10,000 in the aggregate during the period of insurance and this limit will
form part of and not be in addition to the limit of indemnity stated in the schedule.

2.2 Extended Reporting Period
In the event that you elect not to renew or extend this part and do not effect any similar policy or
scheme of self insurance in substitution then this insurance includes any claim made and notified to us
within 30 days immediately following the expiry of this part but the cause of which occurred prior to
the expiry of this period and is otherwise covered under this part.
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