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General (Terms and (b) the provision and management by the Named
Insured of the following where such organisations
and services are ancillary to the main activities of
Conditions) the Named Insured
(i) catering sports social welfare and
educational organisations
General Definitions
(ii) health and safety fire first aid medical dental
ambulance and security services
1. Abuse
The word ‘Abuse’ shall mean any illegal or offensive owned by the Named Insured in their respective
act or omission that results in the maltreatment of a capacities as such
person and which may be of (but not limited to) a
physical sexual verbal psychological or emotional or (c) work carried out by the Named Insured on behalf
financial nature of any other public authority including but not
limited to any
2. Agent
The word 'Agent' shall mean any person company firm (i) local authority
or subcontractor directly appointed by the Insured to
act on their behalf (ii) government department
3. Aggregate Deductible Limit (iii) health police or fire authority
The words ‘Aggregate Deductible Limit’ shall mean the
maximum amount stated in the Policy in respect of all (iv) water authority
claims arising under the Policy for which the Named
Insured shall be responsible in the aggregate during (d) the activities of any other association within the
the Period of Insurance in respect of those amounts area of control of and acting on behalf of the
stated as a Deductible applying to any Section where Named Insured
stated as subject to the Aggregate Deductible Limit
and which once exceeded shall thereafter for the (e) activities undertaken by any joint venture which
remainder of the Period of Insurance not be the the Named Insured is engaged in which has been
responsibility of the Named Insured declared to and accepted by the Company
4. Ancillary Equipment (f) the participation by the Named Insured in
The words ‘Ancillary Equipment’ shall mean air exhibitions and corporate events in connection
conditioning equipment generating equipment voltage with the business interests of the Named Insured
regulating equipment temperature and humidity
recording equipment electronic access equipment 7. Case Reserve
heat and smoke detection equipment gas flooding The words ‘Case Reserve’ shall mean the monetary
cylinders pipework and computer room partitioning amount for
used solely in connection with Computer and
Telecommunication Equipment (a) circumstances that exist and/or
5. Bodily Injury (b) on the happening of any Event
The words ‘Bodily Injury’ shall mean
which may give rise to a claim that is the difference
(a) death injury disease or illness of any person between the expectation of what is the final cost of the
claim (including claim expenses embracing legal
(b) (i) mental injury defence costs and expenses and Claim Investigation
Expenses associated with every such claim or
(ii) mental anguish potential claim) and what has actually been paid
(iii) shock 8. Claim Investigation Expenses
The words ‘Claim Investigation Expenses’ shall mean
that results in a recognisable psychiatric injury costs and expenses incurred by the Company or on its
behalf to a third party in connection with the
6. Business investigation handling and/or control of any claim but
The word ‘Business’ shall mean any activities of the for the avoidance of doubt does not relate to claimants
Named Insured as a public authority and as described and defence costs and expenses or other prosecution
in the Master Schedule carried on by the Named defence costs as indemnified under this Policy
Insured at or from premises within the Territorial Limits
and shall include 9. Company
The word ‘Company’ shall mean Travelers Insurance
(a) the ownership occupancy repair maintenance or Company Limited
decoration of the property by the Named Insured
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Public Sector General Terms and Conditions Policy Wording TRV0125 02/14 Policy Code 2009 05/12
