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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