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DEFINITIONS

1.
Act of
Terrorism "Act of Terrorism" means an act including, but not limited to, the use of force or violence and/or the
threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in
connection with any organisation(s) or government(s) committed for political, religious, ideological or
similar purposes including the intention to influence any government and/or to put the public, or any
section of the public, in fear.

2.
Bodily Injury "Bodily Injury" includes death, injury, illness, disease, false arrest, imprisonment, false eviction,
mental injury, mental anguish, distress and nervous shock.

3.
Business As set out in the proposal and described in the attached Schedule which includes:-

i) the ownership, repair, maintenance and decoration of the Insured’s property and the
provision and management of first aid, fire, security and ambulance services.
ii) the provision and management of catering, social, sports or welfare organisations primarily
for the benefit of Employees.
iii) participation in exhibitions.
iv) private work undertaken by an Employee for any director or officer of the Insured.
v) the service or repair of the Insured’s own vehicles.

4.
Defence
Costs "Defence Costs" means all costs and fees and expenses incurred with the Company’s written
consent in the defence or settlement of any claim for which an indemnity is provided by this
insurance including legal expenses:-

i) incurred by the Insured arising out of any prosecution of the Insured for breach or alleged
breach of Part 1 of the United Kingdom Health and Safety at Work etc Act 1974 (or similar
European safety legislation) and the Consumer Protection Act 1987, the Data Protection
Act 1998, the Food Safety Act 1990 or the Disability Discrimination Act 1995 relating to
a) if Section A of this insurance is operative, matters affecting the safety, health
and welfare of any Employee
b) if Section B of this insurance is operative, matters affecting the safety, health
and welfare of any person other than any Employee (but excluding legal fees
and expenses arising from a breach of Section 6 of the Act unless Section C of
this insurance is operative)
ii) arising out of representation at any coroner’s inquest or fatal accident enquiry.
iii) arising out of the defence of any proceedings in a Court of Summary Jurisdiction in respect
of matters which may form the subject of indemnity under this insurance including the
defence of any charge of manslaughter.

provided that the Company shall not be liable for any fines or penalties imposed as a consequence
of any such prosecution.

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ASPEN LOCAL AUTHORITY COMBINED LIABILITY 2015