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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

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Casualty Policy Wording TRV0126 02/14 Policy Code 2010 05/12