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2.3 Indemnity to Other Persons Including Personal Representatives
We will also indemnify under the terms of this part any current, former or retired Employee.
Provided always that:
a) you would have been entitled to indemnity had the claim been made against you; and

b) no indemnity will be provided to any person in respect of the consequences of their own fraud,
dishonesty or criminal act; and

c) any person claiming indemnity:
i) is not entitled to indemnity from any other source; and
ii) was at the time of the incident giving rise to the claim acting within the scope of their
authority; and
iii) will be subject to the terms and conditions of this part in so far as they can apply; and

d) we have the sole conduct and control of any claim.

2.4 Legal Representation Cover
We will also cover any reasonable costs and expenses necessarily incurred with our written consent for
representation at any official examination, enquiry, investigation or other proceedings ordered or
commissioned by a body legally empowered to investigate your affairs that are first instigated against
you and notified to us during the period of insurance and which may otherwise be the subject of
indemnity under this part.
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.

Section 3 – Special Exclusions

This part does not cover:

1. Asbestos
liability, loss, cost or expense directly or indirectly caused by, contributed to by or arising out of any
asbestos, asbestos fibres or any derivatives of asbestos including any product containing any asbestos
fibres or derivatives
2. Bodily Injury and Property Damage
liability for :
a) death, bodily injury, disease or sickness sustained by any person

b) loss of or damage to property
unless arising out of a breach of professional duty from the conduct of the Services due to any
negligent act, error or omission committed or alleged to have been committed by you

3. Contractual Liability
liability arising from:
a) any express warranty, guarantee, contractual promise, indemnity, waiver or express agreement
given by you unless you would have been liable even if there had not been any such warranty,
guarantee, contractual promise, indemnity, waiver or agreement

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