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b) any claim where your right to recovery from any third party has been restricted by the terms of any
contract entered into by you

4. Courts Jurisdiction
any claim made or brought outside of the European Union

5. Defamation or Malicious Falsehood
liability arising from libel, slander, defamation, malicious falsehood or injurious falsehood

6. Directors and Officers Liability
liability arising out of the duties of any member or any trustee of any pension fund or any other
employee benefit scheme

7. Employment
a) liability arising out of any bodily injury, sickness, disease or the death of any member, trustee,
or Employee

b) liability arising out of any obligation owed by you or your relevant officer as an employer or
potential employer to any member, trustee or Employee or applicant for employment

8. Joint Ventures
liability arising out of your involvement in any joint venture, consortium or other profit sharing scheme

9. Liquidated or Punitive Damages or Fines
any amount in respect of:
a) liquidated damages, penalties or fines which attach solely because of a contract or agreement
b) punitive or exemplary damages

10. Medical Malpractice
liability arising out of the provision of or failure to provide medical treatment of any kind

11. Pollution or Contamination
liability arising directly or indirectly out of Pollution or Contamination other than caused by a sudden,
identifiable, unintended and unexpected incident which takes place in its entirety at a specific time and
place during the period of insurance

12. Prior Circumstances and Claims
liability for any claim arising from any circumstance, fact, matter or occurrence that:
a) you knew or that in our reasonable opinion you ought to have known prior to inception of this
part which might give rise to a claim against you
b) was notified by you under any other insurance policy prior to inception of this part
c) was disclosed or in our reasonable opinion ought to have been disclosed on your latest proposal
to us

13. Retroactive Date
liability for any claim arising from the Services provided by you prior to the retroactive date stated in
the schedule

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