Allianz Insurance plc. Complete Contractor. Policy Wording TRADESMAN INSURANCE

Transcription

1 Allinz Insurne pl Complete Contrtor Poliy Woring 2014 TRADESMAN INSURANCE

2 Complete Contrtor Poliy Woring Complete Contrtor Poliy Woring Contents Insuring Cluse 2 Poliy Definitions 3 Poliy Conitions 4 Thnk you for hoosing Allinz Insurne pl. We re one of the lrgest generl insurers in the UK n prt of the Allinz Group, one of the worl s foremost finnil servies proviers. Poliy Exlusions 7 The Cover Provie Setion 1 Puli Liility 10 Setion 2 Employers Liility 17 Setion 3 Tools 20 Setion 4 Contrt Works 21 Setion 5 Personl Aient 28 Setion 6 Commeril Legl Expenses 32 Aitionl Benefits 48 How to Mke Clim 50 Complints Proeure 52 Dt Protetion 53 With Allinz Insurne pl, you n e onfient tht you re insure y ompny whih is relentless in its ommitment to proteting n serving you. You n trust us to insure your usiness, s we ve een proviing leing insurne solutions in the UK for over 100 yers. We work in prtnership with your insurne viser to ensure you reeive the highest levels of prout n servie exellene. Our tehnil experts unerstn how est to protet you ginst the risks your usiness fes. If you nee to mke lim you will e in sfe hns. Our professionlly trine stff im to tret you, s you woul expet, oth promptly n firly. By listening to you, n unerstning your nees we will provie you with the most pproprite solutions to get your usiness tring gin s quikly s possile. Shoul you nee further etils or hve ny questions your insurne viser will e elighte to help. Importnt This oument provies etils of your poliy n the terms n onitions tht pply. Plese re it refully n keep it in sfe ple.

3 Complete Contrtor Poliy Woring Introution Your Complete Contrtor Poliy is me up of severl prts whih must e re together s they form your ontrt of insurne with the Insurer. Plese tke time to re ll prts of the Poliy to mke sure they meet n ontinue to meet your nees n tht you unerstn the terms, exlusions n onitions. If you wish to hnge nything or if there is nything you o not unerstn, plese let your insurne viser know. The prts of the Poliy re: the Sttement of Ft this Introution; the Insuring Cluse; the Poliy Definitions; the Poliy Exlusions n the Poliy Conitions, ll of whih pply to ll Setions of the Poliy the Setions of over provie, inluing the Setion Definitions, Extensions, Conitions n Exlusions the Sheule, whih onfirms the Setions of over tht re insure n whih inlues ny itionl luses pplie to the Poliy Any Setion stte to e Not Insure in the Sheule shll e inopertive. Any wor or expression in the Poliy whih hs speifi mening hs the sme mening wherever it ppers in the Poliy, unless stte otherwise. Chnges to your irumstnes Plese tell your insurne viser s soon s resonly possile if there re ny hnges to your irumstnes whih oul ffet your insurne. Plese refer to Poliy Conition 3 on pge 4 of this Poliy. If your irumstnes hnge n you o not tell your insurne viser, you my fin tht you re not overe if you nee to lim. Finnil Servies Compenstion Sheme Allinz Insurne pl ontriutes to the Finnil Servies Compenstion Sheme (FSCS). You my e entitle to ompenstion from the FSCS if We re unle to meet Our liilities. Further informtion out ompenstion sheme rrngements is ville t y emiling enquiries@fss.org.uk or y phoning the FSCS on or Wht to o if you re not stisfie Allinz lwys ims to provie first-lss servie. However, if you re isstisfie in ny wy n you wish to mke omplint, plese ontt your insurne viser. 1

4 Complete Contrtor Poliy Woring Insuring Cluse The Sttement of Ft n ny informtion supplie y or on ehlf of the Insure forms the sis of this ontrt of insurne etween the Insure n the Insurer. In onsiertion of pyment of the premium the Insurer will inemnify or otherwise ompenste the Insure ginst loss, estrution, mge, injury, liility or ispute (s esrie in n sujet to the terms, onitions, limits n exlusions of this Poliy or ny Setion of it) ourring or rising in onnetion with the Business uring the Perio of Insurne or ny susequent perio for whih the Insurer grees to ept renewl premium. For Allinz Insurne pl Jonthn Dye Chief Exeutive 2

5 Complete Contrtor Poliy Woring Poliy Definitions The following efinitions pply to this Poliy (unless mene y Setion Definitions) n re enote y pitl first letter throughout this Poliy. Business The usiness esription stte in the Sheule n whih is onute solely from premises in Gret Britin, Northern Ireln, the Chnnel Islns or the Isle of Mn inluing 1 the ownership mintenne n repir of premises use in onnetion with suh usiness 2 the provision n mngement of nteen soil sports n welfre orgnistions for the enefit of Employees n the mulne first i fire meil n seurity servies of the Insure 3 the exeution of privte uties y Employees for ny prtner iretor or senior offiil of the Insure. Dmge Loss, estrution or mge Employee(s) 1 ny person uner ontrt of servie or pprentieship with the Insure 2 ny of the following persons whilst working for the Insure in onnetion with the Business e ny lour mster or lour only suontrtor or person supplie y them ny self-employe person proviing lour only ny person who is orrowe y or hire to the Insure ny voluntry helper ny trinee or person unergoing work experiene. Exess First prt of eh n every lim, for whih the Insure is responsile s stte in the Sheule Injury Boily injury, eth, isese, illness, mentl injury or nervous shok Insure Insure nme n shown in the Sheule Insurer Allinz Insurne pl Offshore Instlltions 1 ny instlltion in the se or til wters whih is intene for unerwter exploittion of minerl resoures or explortion with view to suh exploittion 2 ny instlltion in the se or til wters whih is intene for the storge or reovery of gs 3 ny pipe or system of pipes in the se or til wters 4 ny instlltion whih is intene to provie ommotion for persons who work on or from the lotions speifie in prgrphs 1, 2 or 3 of this efinition. Perio of Insurne Perio from the effetive te to the renewl te s shown in the Sheule Poliy Doument s esrie in the Introution Pollution or Contmintion 1 ll pollution or ontmintion of uilings or other strutures or of wter or ln or the tmosphere n 2 ll Injury or Dmge iretly or iniretly use y suh pollution or ontmintion. All pollution or ontmintion whih rises out of one inient shll e eeme to hve ourre t the time suh inient tkes ple. Sheule Prt of this Poliy tht etils informtion forming the sis of this ontrt n tht shows the Setions of this Poliy opertive Setion/Setions Prts of this Poliy tht etil the insurne over provie for eh iniviul setion of this Poliy Sum Insure The mximum mount the Insurer will py for eh item insure uner ny Setion Totl Sum Insure Totl mount pyle y the Insurer uner ny Setion Limit of Inemnity Limit of inemnity stte in the Sheule 3

6 Complete Contrtor Poliy Woring Poliy Conitions Applile to the Poliy unless stte to the ontrry uner the onitions in the Setions. 1 Lw Applile n Jurisition Unless the Insurer grees otherwise: the lnguge of the Poliy n ll ommunitions relting to it will e English; n ll spets of the Poliy inluing negotition n performne re sujet to English lw n the eision of the English ourts 2 Resonle Preutions The Insure shll tke ll resonle re e to prevent ients n ny Injury or Dmge to oserve n omply with sttutory or lol uthority lws, oligtions n requirements in the seletion n supervision of Employees to mintin the uilings, ontents n everything use in the Business in effiient n sfe working orer to mke goo or remey ny efet or nger whih eomes pprent n tke suh itionl preutions s the irumstnes my require. 3 Chnge of Risk This insurne shll ese to e in fore if there is ny ltertion in the Business whih inreses the risk of Injury or Dmge, unless suh ltertion is gree in writing y the Insurer. 4 Fru If the Insure or nyone ting on ehlf of the Insure mkes ny flse or fruulent lim or supports lim y flse or fruulent oument, evie or sttement, this Poliy shll e voi n the Insure will forfeit ll rights uner the Poliy. In suh irumstnes, the Insurer retins the right to keep the premium n to reover ny sums pi y wy of enefit uner the Poliy. 5 Poliy Voile This Poliy shll e voile in the event of misrepresenttion, misesription or non-islosure of ny mteril prtiulr. 6 Cnelltion Insure s Cnelltion Rights The Insure hs the right to nel the over within fourteen (14) ys from the ommenement of over or the reeipt of Poliy oumenttion, whihever is the lter (this perio is referre to s the ooling off perio ). The Insure shoul exerise this right y ontting their insurne viser. If the Insure oes exerise their right to nel uring the ooling off perio, they will e entitle to return of premium. Any return of premium will e lulte on proportionte sis, less n ministrtion hrge of 25 to over opertionl osts. The mount of premium to e refune uner this onition will e reue y ll unpi premiums or unpi premium instlments ue. If the Insure oes not exerise their right to nel uring the ooling off perio, the Poliy premium eomes ue, they my not e entitle to refun of premium n the Poliy my run for its full term. If the ooling off perio hs expire, the Insure my nel the Poliy uring the Perio of Insurne y giving fourteen (14) ys notie in writing to their insurne viser or y writing to the Allinz offie whih issue the Poliy. Provie no lim hs een me or inient hs risen whih is likely to give rise to lim uring the urrent Perio of Insurne they will e entitle to proportionte return of the premium pi, less n ministrtion hrge of 25 to over opertionl osts. The mount of ny premium to e refune uner this onition will e reue y ll unpi premiums or unpi premium instlments ue. In the event of nelltion the Insure must return to the Insurer the urrent Certifite(s) of Employers Liility Insurne. The Insurer s Cnelltion Rights Allinz my nel this Poliy y giving the Insure fourteen (14) ys notie in writing sent to the Insure s lst known ress. Provie no lim hs een me or inient hs risen whih is likely to give rise to lim uring the urrent Perio of Insurne the Insure my e entitle to proportionte return of the premium in respet of the unexpire Perio of Insurne. The mount of premium to e refune uner this onition will e reue y ll unpi premiums or unpi premium instlments ue. 4

7 Complete Contrtor Poliy Woring If the premium for the Poliy is pi y instlments, plese refer to the instlment greement for etils of the nelltion perio tht will pply. In the event of nelltion the Insure must return to Allinz the urrent Certifite(s) of Employers Liility Insurne 7 Clims Ation y the Insure The Insure shll in the event of ny Injury, Dmge or onsequentil loss s result of whih lim is or my e me uner this Poliy or ny Setion of it, n gin upon the reeipt y the Insure in writing of ny notie of ny lim or legl proeeing, notify the Insurer within thirty (30) ys, or within (7) ys in the se of Dmge or onsequentil loss ue to riot, ivil ommotion, strikers, loke-out workers, persons tking prt in lour isturnes, mliious persons or theft, or suh further time s the Insurer my llow notify the Insurer immeitely upon eing vise of ny proseution, inquest or enquiry onnete with ny Injury, Dmge or onsequentil loss whih my form the sujet of lim uner this Poliy j llow the Insurer in the nme of n on ehlf of the Insure to tke over n, uring suh perios s the Insurer thinks proper, to hve the solute onut n ontrol of ll negotitions n proeeings whih my rise in respet of ny lim n the settlement thereof n the Insure shll give the Insurer ll neessry ssistne for tht purpose. No lim uner this Poliy shll e pyle unless the terms of this Poliy Conition hve een omplie with n ny pyment on ount of lim lrey me shll e repi to the Insurer. 8 Clims The Rights of the Insurer In respet of Dmge for whih lim is me the Insurer n ny person uthorise y the Insurer my without inurring ny liility or iminishing ny of the Insurer s rights uner this Poliy, enter premises where suh Dmge hs ourre n tke possession of or require to e elivere to the Insurer ny property insure n to el with suh property for ll resonle purposes n in ny resonle mnner. No property my e none to the Insurer or eeme to hve een none whether tken possession of y the Insurer or not. e f g h i notify the polie s soon s it eomes evient tht ny Dmge hs een use y theft or mliious persons pss immeitely, n unknowlege, ny letter of lim to the Insurer rry out n permit to e tken ny tion tht my e resonly prtile to prevent further Dmge or onsequentil loss retin unltere n unrepire nything in ny wy onnete with the Injury, Dmge or onsequentil loss for s long s the Insurer my resonly require furnish with ll resonle espth t the Insure s expense i suh further prtiulrs n informtion s the Insurer my resonly require ii if require, sttutory elrtion of the truth of the lim iii etils of ny other insurnes overing the sujet mtter of the lim uner this Poliy n ny mtters onnete with it mke ville t the Insure s expense ny ouments require y the Insurer with regr to ny letter of lim not py or offer or gree to py ny money or mke ny mission of liility without the previous onsent of the Insurer The Insurer will not py for ny lim unless the terms of this Poliy Conition hve een omplie with. 9 Surogtion Any limnt uner this Poliy shll t the Insurer s request n expense tke or permit to e tken ll neessry steps for enforing rights ginst ny other prty in the nme of the Insure efore or fter the Insurer mkes ny pyment. 10 Dishrge of Liility The Insurer my t ny time py to the Insure in onnetion with ny lim or series of lims the Limit of Inemnity, or the Sum Insure, or lesser mount for whih suh lim or lims n e settle fter eution of ny sums lrey pi n less the mount of ny Exess. The Insurer will not mke ny further pyment in respet of suh lim or lims exept for osts n expenses whih the Insurer hs lrey gree to er n whih were inurre prior to suh pyment. 5

8 Complete Contrtor Poliy Woring Poliy Conitions (ontinue) 11 Aritrtion If ny ifferene rises s to the mount to e pi uner this Poliy (liility eing otherwise mitte y the Insurer) suh ifferene shll e referre to n ritrtor to e ppointe y the Insure n the Insurer in orne with sttutory provisions. Where ny ifferene is referre to ritrtion in orne with this onition, the mking of n wr shll e onition preeent to ny right of tion ginst the Insurer. 12 Numer of Persons The premium for this Poliy is se on the mximum numer of persons engge in the Business t ny one time. The Insure shll notify the Insurer immeitely if this numer shll hnge. 13 Rights of Prties A person or ompny who ws not prty to this Poliy hs no right uner the Contrts (Rights of Thir Prties) At 1999 or ny susequent legisltion to enfore ny term of this Poliy ut this oes not ffet ny right or remey of thir prty whih exists or is ville prt from suh At. 14 Other Insurnes If t the time of ny Dmge there is ny other insurne overing suh inients, the Insurer will only py their rtele proportion of suh loss. 6

9 Complete Contrtor Poliy Woring Poliy Exlusions Applile unless stte to the ontrry uner Exlusions in the Setions This Poliy oes not over: 1 Wr Loss, estrution, mge, eth, Injury, islement or liility or ny onsequentil loss osione y wr invsion, t of foreign enemy, hostilities (whether wr e elre or not), ivil wr, reellion, revolution, insurretion or militry or usurpe power 2 Riotive Contmintion Loss or estrution of or mge to ny property whtsoever or ny loss or expense whtsoever resulting or rising therefrom or ny onsequentil loss or ny legl liility of whtsoever nture iretly or iniretly use y or ontriute to or rising from ionising ritions from or ontmintion y riotivity from ny nuler fuel or from ny nuler wste or from the omustion of nuler fuel the riotive, toxi, explosive or other hzrous or ontminting properties of ny nuler instlltion, retor or other nuler ssemly or nuler omponent thereof ny wepon or other evie utilizing riotive mteril n/or mtter n/or ionising rition n/or tomi or nuler fission n/or fusion or other like retion the riotive, toxi, explosive or other hzrous or ontminting properties of ny riotive mtter Exlusion n o not pply to Setion 2 Employers Liility other thn in respet of i the liility of ny prinipl ii liility ssume y the Insure uner ontrt or greement whih woul not hve tthe in the sene of suh ontrt or greement. Exlusions n o not pply to Setion 1 Puli Liility Setion 2 Employers Liility n Setion 5 Personl Aient. 3 Soni Bngs Dmge iretly osione y pressure wves use y irrft n other eril evies trvelling t soni or supersoni spees 4 Northern Ireln Exlusion Loss, estrution or mge n ny onsequentil loss in Northern Ireln osione y or hppening through or in onsequene iretly or iniretly of riot, ivil ommotion n (exept in respet of Dmge or ny onsequentil loss y fire or explosion) strikers, loke out workers, persons tking prt in lour isturnes or mliious persons 5 Computer Dte Exlusion Dmge or liility iretly or iniretly use y or onsisting of or rising from the filure of ny omputer or other equipment or system for proessing, storing or retrieving t, whether the property of the Insure or not, to hieve ny or ll of the purposes n onsequentil effets intene y the use of ny numer to enote te inluing the filure orretly to reognise ny te s its true lenr te to reognise, pture, sve, retin, restore n/or orretly to mnipulte, interpret, lulte or proess ny t or informtion or ommn or instrution s result of treting ny te otherwise thn s its true lenr te to reognise, pture, sve, retin, restore n/or orretly to mnipulte, interpret, lulte or proess ny t or informtion s result of the opertion of ny ommn whih hs een progrmme into ny omputer softwre or firmwre, eing ommn whih uses the loss of t or the inility to reognise, pture, sve, retin, restore or orretly to mnipulte, interpret, lulte or proess ny t on or fter ny te. ut the insurne shll not exlue ny susequent Dmge whih is not otherwise exlue 6 Tre Exlusions Liility in respet of ny work of emolition exept i of uilings or prt of uiling when suh work forms prt of ontrt for reonstrution ltertion or repir y the Insure ii of other strutures not exeeing four (4) metres in height n not omprising or forming prt of ny uiling 7

10 Complete Contrtor Poliy Woring Poliy Exlusions (ontinue) work in or on i irrft n/or erosptil evies runwys n/or nillry res to whih irrft n/or erosptil evies hve ess ii ny vessel or rft or evie esigne to flot on or in or trvel through wter n/or hrours n nillry res to whih suh vessels or rft or evies hve ess Loss or estrution of or mge to ny property other thn Computer Equipment where it rises iretly or iniretly out of Dmge to ny Computer Equipment of the type esrie in prgrph of this Exlusion unless, in respet of Dmge to other property rising from i, ii or iii ove, resulting from onurrent or susequent use not exlue y this or ny other poliy exlusion e f g work on i ulk oil, petrol, gs or hemil storge tnks or hmers ii rilwys, tunnels or motorwys iii lst furnes, riges, himney shfts, ollieries, oks, gs works, mines, oil refineries, power sttions, pylons, reservoirs, steeples, towers or viuts qurrying, lsting or iving opertions, wter iversion, m onstrution or work ehin ms the use of explosives, tunnelling or piling work, unerpinning or elierte e-wtering of the site the mking of exvtions exeeing in ny prt epth of two (2) metres from the surfe the onstrution of puli ros or the lying of min sewers unless inientl to ny uiling ontrt unertken y the Insure. 7 Exess Any Exess 8 E-Risks Loss or estrution of or mge to ny Computer Equipment (s efine elow) onsisting of or use iretly or iniretly y: i progrmming or opertor error whether y the Insure or ny other person ii Virus or Similr Mehnism (s efine elow) iii Hking (s efine elow) iv mliious persons v filure of externl networks unless, in respet of i, ii n iii ove, suh Dmge results from onurrent or susequent use not exlue y this or ny other poliy exlusion ny finnil loss or expense of whtsoever nture, inluing ut not limite to usiness interruption, resulting iretly or iniretly from the type of Dmge esrie in prgrph of this Exlusion unless, in respet of i, ii or iii ove, the finnil loss or expense results from onurrent or susequent use not exlue y this or ny other poliy exlusion e Loss or estrution of or mge either to Computer Equipment or ny other property where it onsists of or rises iretly or iniretly out of: i the ersure, loss, istortion, orruption or unuthorise ess to or moifition of informtion on omputer systems or other reors, progrms or softwre y rioters, strikers, loke-out workers, persons tking prt in lour isturnes or ivil ommotions, or mliious persons ii the ersure, loss, istortion, orruption or unuthorise ess to or moifition of informtion on omputer systems or other reors, progrms or softwre ue to ny use not inlue in iove iii ny misinterprettion, use or misuse of informtion on omputer systems or other reors, progrms or softwre unless, in respet of ii n iii ove, suh Dmge results from onurrent or susequent use not exlue y this or ny other poliy exlusion ny finnil loss or expense of whtsoever nture, inluing ut not limite to usiness interruption, where it rises iretly or iniretly from the type of Dmge esrie in prgrphs n of this Exlusion unless, in respet of, ii n iii ove, the finnil loss or expense results from onurrent or susequent use not exlue y this or ny other poliy exlusion. For the purpose of this Exlusion: Computer Equipment mens omputer equipment, omponent, system or item whih proesses, stores, trnsmits or retrieves t, or ny prt thereof, whether the property of the Insure or not, whether tngile or intngile n inluing without limittion ny informtion, progrms or softwre. Virus or Similr Mehnism mens ny progrm oe, progrmming instrution or other set of instrutions intentionlly onstrute with the ility to mge, interfere with or otherwise versely ffet omputer progrms, t files or opertions (whether involving self replition or not), inluing ut not limite to Trojn Horses, Worms or Logi Boms. 8

11 Complete Contrtor Poliy Woring Hking mens unuthorise ess to ny omputer or omputer equipment, omponent, system or item, whether the property of the Insure or not, whih proesses, stores, trnsmits or retrieves t. 9 Terrorism in respet of Engln, Wles n Sotln ut not the territoril ses jent thereto s efine in the Territoril Se At 1987: In ny tion suit or other proeeings where the Insurer lleges tht y reson of this Exlusion ny Loss or estrution or mge or ny onsequentil loss is not overe (or is overe only up to speifie limit of liility), the uren of proving to the ontrry shll e upon the Insure. In the event ny prt of this Exlusion is foun to e invli or unenforele, the reminer shll remin in fore n effet. Loss or estrution or mge or onsequentil loss of whtsoever nture, iretly or iniretly use y, resulting from or in onnetion with i ny At of Terrorism, regrless of ny other use or event ontriuting onurrently or in ny other sequene to suh At of Terrorism ii ny tion tken in ontrolling, preventing or suppressing ny At of Terrorism, or in ny other wy relte to suh At of Terrorism In respet of ove n At of Terrorism (Terrorism) mens: Ats of persons ting on ehlf of, or in onnetion with, ny orgnistion whih rries out tivities irete towrs the overthrowing or influening, y fore or violene, of Her Mjesty s government in the Unite Kingom or ny other government e jure or e fto. in respet of territories other thn those stte in ove Loss or estrution or mge or ny onsequentil loss of whtsoever nture, iretly or iniretly use y, resulting from or in onnetion with i ny t of Terrorism, regrless of ny other use or event ontriuting onurrently or in ny other sequene to suh t of Terrorism ii ny tion tken in ontrolling, preventing or suppressing ny t of Terrorism, or in ny wy relte to suh t of Terrorism In respet of ove n t of Terrorism (Terrorism) mens: An t, inluing ut not limite to the use of fore or violene n/or the thret thereof, of ny person or group(s) of persons whether ting lone or on ehlf of or in onnetion with ny orgnistion(s) or government(s), ommitte for politil, religious, ieologil or similr purposes inluing the intention to influene ny government n/or put the puli or ny setion of the puli in fer 9

12 Complete Contrtor Poliy Woring Setion 1 Puli Liility Definitions At of Terrorism Any t inluing ut not limite to the use of fore or violene n/or thret thereof of ny person or group(s) of persons whether ting lone or on ehlf of or in onnetion with ny orgnistion(s) or government(s) ommitte for politil religious ieologil or similr purposes inluing the intention to influene ny government n/or to put the puli or ny setion of the puli in fer. Asestos Asestos or fires or prtiles of sestos or ny mteril ontining sestos Injury 1 oily injury, eth, isese, illness, mentl injury or nervous shok 2 invsion of the right of privy, flse rrest, flse imprisonment, flse evition or mliious proseution of ny person other thn n Employee. Pollution or Contmintion 1 ll pollution or ontmintion of uilings or other strutures or of wter or ln or the tmosphere n 2 ll Injury, loss or mge iretly or iniretly use y suh pollution or ontmintion. All pollution or ontmintion whih rises out of or in onnetion with one inient shll e eeme to hve ourre t the time suh inient tkes ple. Cover The Insurer will inemnify the Insure ginst legl liility to py ompenstion n limnts osts n expenses in respet of ientl Injury to ny person Dmge to mteril property nuisne, trespss, ostrution or interferene with ny right of wy, light, ir or wter resulting in finnil loss ourring within the Territoril Limits uring the Perio of Insurne in onnetion with the Business. Costs n Expenses In ition the Insurer will py osts n expenses inurre y the Insurer or with its written onsent in onnetion with the efene of ny lim for representtion of the Insure i ii t ny oroner s inquest or ftl ient inquiry in respet of eth t proeeings in ny ourt of summry jurisition or on initment in ny higher ourt in respet of ny llege reh of sttutory uty resulting in Injury or Dmge whih my e the sujet of inemnity uner this Setion. Limit of Inemnity A The Insurer s liility for ll ompenstion pyle in respet of Territoril Limits 1 Gret Britin, Northern Ireln, the Chnnel Islns n the Isle of Mn 2 ny other memer ountry of the Europen Union 3 elsewhere in the worl in respet of Injury or Dmge use y or rising from non-mnul tivities of ny prtner iretor or Employee of the Insure normlly resient within Gret Britin, Northern Ireln, the Chnnel Islns n the Isle of Mn n ourring uring ny journey or temporry visit. B 1 ny one ourrene or ll ourrenes of series onsequent on or ttriutle to one soure or originl use 2 ll Pollution or Contmintion whih is eeme to hve ourre uring ny one Perio of Insurne shll not exee the Limit of Inemnity. In respet of ll lims ginst the lnsure me within the legl jurisition of the Unite Sttes of Ameri or Cn or ny epeneny or trust territory the Limit of lnemnity shll e inlusive of the mount of ll i ii limnts' osts n expenses osts n expenses inurre y the lnsurer or with the written onsent of the lnsurer in onnetion with the efene of suh lims. 10

13 Complete Contrtor Poliy Woring Provie tht in respet of n At of Terrorism the Limit of Inemnity shll not exee 5,000,000. If the Insurer lleges tht y reson of this limittion ny loss mge ost or expense is not overe the uren of proving the ontrry shll e upon the Insure. in respet of Injury, loss or mge ourring uring ny one Perio of Insurne iretly or iniretly use y rising from in onsequene of or in ny wy involving Asestos the Limit of Inemnity uner this Setion shll not exee the Limit of Inemnity or 5,000,000 whihever is the lesser inlusive of ll osts n expenses. For the purposes of this limittion ll suh Injury, loss or mge whih rises from one inient shll e eeme to hve ourre t the time suh inient tkes ple. in respet of the inemnity provie uner this Setion for Extension 11 Corporte Mnslughter n Corporte Homiie At Legl Defene Costs i ii iii the liility of the Insurer shll not exee 5,000,000 or the Limit of Inemnity (whihever is lesser) in ny one Perio of Insurne ll mounts pyle will form prt of n not e in ition to the Limit of Inemnity where the Insurer hs lrey inemnifie the Insure in respet of legl osts or expenses inurre in onnetion with the efene of riminl proeeings (inluing ppels ginst onvition rising from suh proeeings) rising out of the sme use or ourrene whih gve rise to si proeeings uner nother Setion of the Poliy the mount pi uner tht Setion shll ontriute to the mximum mount pyle uner this Setion. Extensions (Sujet to the terms, limits, onitions n exlusions of this Setion n the Poliy) 1 Inemnity to Other Prties If the Insure so requests the Insurer will inemnify the following prties: ny offier, ommittee memer or other memer of the Insure s nteen, soil, sports or welfre orgnistions or mulne first i, fire, meil or seurity servies ginst liility inurre in suh pity ny prtner, iretor or Employee of the Insure ginst liility inurre in suh pity n in respet of whih the Insure woul hve een entitle to inemnity uner this Setion if the lim h een me ginst the Insure s though eh suh prty ws iniviully nme s the Insure in this Setion ny prinipl for whom the Insure hve gree to exeute work uner ontrt or greement ginst liility rising out of the performne of suh work y the Insure n in respet of whih the Insure is leglly lile n woul hve een entitle to inemnity uner this Setion if the lim h een me ginst the Insure. Provie tht i eh suh prty shll oserve fulfil n e sujet to the terms n onitions of this Setion n the Poliy Conitions in so fr s they n pply ii the Insurer s liility to the Insure n ll prties inemnifie shll not exee in totl the Limit of Inemnity. 2 Helth n Sfety t Work Legl Defene Costs The Insurer will inemnify the Insure n if the Insure so requests ny prtner, iretor or Employee of the Insure in the terms of this Setion in respet of osts n expenses inurre with the Insurer s written onsent osts n expenses of the proseution wre ginst ny suh prty in onnetion with riminl proeeings or n ppel ginst onvition rising from suh proeeings rought in respet of ny offene uner the Helth n Sfety t Work et. At 1974 or the Helth n Sfety t Work (Northern Ireln) Orer 1978 ommitte or llege to hve een ommitte uring the Perio of Insurne in onnetion with the Business. Provie tht i ii the proeeings relte to the helth sfety or welfre of ny person other thn n Employee the Insurer shll hve the solute onut n ontrol of ll the si proeeings n ppels The Insurer will not py for fines or penlties of ny kin proeeings or ppels in respet of ny elierte or intentionl riminl t or omission osts or expenses insure y ny other poliy. 11

14 Complete Contrtor Poliy Woring Setion 1 Puli Liility (ontinue) 3 Motor Contingent Liility The Insurer will inemnify the Insure in the terms of this Setion ginst liility rising out of the use in onnetion with the Business of ny vehile not owne provie or eing riven y the Insure ut this Setion oes not over ny suh liility in respet of Dmge to the si vehile rising out of ny suh use in ny ountry outsie the Europen Union inurre y ny prty other thn the Insure inurre y ny prty ientifie in Extension 1 Inemnity to Other Prties other thn n Employee 4 Court Attenne Compenstion If uring the Perio of Insurne ny prtner, iretor or Employee of the Insure is require to tten ourt s witness t the request of the Insurer in onnetion with lim whih is the sujet of inemnity uner this Setion the Insurer will py ompenstion to the Insure on the following sle for eh y tht ttenne is require: i ny iretor or prtner 500 ii ny Employee Joint Insure Cross Liilities If more thn one prty is nme s the Insure this Setion shll pply s though eh were insure seprtely provie tht the Insurer s liility to ll prties inemnifie shll not exee in totl the Limit of Inemnity. 6 Overses Personl Liility The Business is extene to inlue personl tivities (not onnete with ny ginful ouption or profession nor with the ownership or tenure of ny ln or uiling) of ny prtner iretor or Employee of the Insure or fmily memer of suh prtner, iretor or Employee normlly resient within the Territoril Limits s efine in this Setion, in the ourse of ny journey or temporry visit to ny other ountry me in onnetion with the Business. 7 Dt Protetion The Insurer will inemnify the Insure n t the Insure s request ny prtner iretor or Employee of the Insure ginst the sums whih the Insure or ny iretor, prtner or Employee of the Insure eome(s) leglly lile to py s ompenstion for mge or istress resulting from filure of the Insure to omply with t protetion legisltion n use in onnetion with the Business uring the Perio of Insurne. Provie tht the Insure is i ii registere user in orne with the terms of the At not in usiness s omputer ureu The totl mount pyle inluing ll osts n expenses uner this Extension in respet of ll lims ourring uring ny one Perio of Insurne is limite to 250,000 The Insurer will not py for i ny mge or istress use y ny elierte t or omission y the Insure the result of whih oul resonly hve een expete y the Insure hving regr to the nture n irumstnes of suh t or omission ii iii iv v ny mge or istress use y ny t of fru or ishonesty the osts n expenses of retifying rewriting or ersing t liility rising from the reoring proessing or provision of t for rewr or to etermine the finnil sttus of ny person the pyment of fines or penlties. 8 Defetive Premises At 1972 The Insurer will inemnify the Insure in the terms of this Setion ginst liility inurre y the Insure uner Setion 3 of the Defetive Premises At 1972 or Setion 5 of the Defetive Premises (Northern Ireln) Orer 1975 in onnetion with premises or ln ispose of y the Insure. This extension oes not over the ost of retifying ny Dmge or efet in the premises or ln ispose of liility for whih the Insure is entitle to inemnity uner ny other insurne liility rising out of the presene of Asestos 9 Contrtul Liility In respet of liility ssume y the Insure y ontrt or greement entere into y the Insure n whih woul not hve tthe in the sene of suh ontrt or greement the inemnity provie y this Setion shll only pply if the sole onut n ontrol of ny lim is veste in the Insurer. The Insurer will not py for liquite mges or fines or mges impose y or pyle uner ny penlty luse. 12

15 Complete Contrtor Poliy Woring 10 Consumer Protetion n Foo Sfety Ats Legl Defene Costs The Insurer will inemnify the Insure n if the Insure so request ny prtner, iretor or Employee of the Insure in the terms of this Setion in respet of legl osts n expenses inurre with the written onsent of the Insurer in onnetion with the efene of ny riminl proeeings or n ppel ginst onvition rising from suh proeeings rought in respet of ny offene uner prt 2 of the Consumer Protetion At 1987 or setion(s) 7, 8, 14 n/or 15 of the Foo Sfety At 1990 ommitte or llege to hve een ommitte uring the Perio of Insurne in onnetion with the Business. Provie tht the Insurer shll hve the onut n ontrol of ll si proeeings n ppels. The Insurer will not py for i ii fines or penlties of ny kin proeeings or ppels in respet of ny elierte t or omission The Insurer will not py for i ii iii iv v ny fines or penlties impose on the Insure or the ost of implementing ny remeil orer or puliity orer legl osts n expenses in onnetion with n ppel unless soliitor or ounsel vise tht there re strong prospets of sueeing in the ppel or reovering osts wre ginst the Insure t ll times throughout the ppels proess. Any hnge to suh prospet of suess uring the ppels proess my result in over eing remove osts n expenses provie y nother soure or ny other insurne or where ut for the existene of this Extension woul hve een provie y suh soure or insurne osts n expenses in onnetion with the efene of ny riminl proeeings rought in ny ountry other thn Gret Britin, Northern Ireln, the Chnnel Islns n the Isle of Mn osts n expenses in onnetion with the efene of ny riminl proeeings resulting from ny elierte or intentionl riminl t or omission y the Insure or ny prtner or iretor of the Insure or ny Employee iii osts or expenses insure y ny other poliy. 11 Corporte Mnslughter n Corporte Homiie At 2007 Legl Defene Costs The Insurer will inemnify the Insure in respet of legl osts n expenses inurre with the prior written onsent of the Insurer n osts of the proseution wre ginst the Insure in onnetion with the efene of ny riminl proeeings (inluing ny ppel ginst onvition rising from suh proeeings) rought uner The Corporte Mnslughter n Corporte Homiie At 2007 or ny equivlent in the Chnnel Islns or the Isle of Mn in respet of ny ftl injury ourring uring the Perio of Insurne in the ourse of the Business n whih my e the sujet of inemnity uner this Setion Provie tht the Insurer grees etils of the speifi soliitor or ounsel who re to t on ehlf of the Insure prior to their ppointment 13

16 Complete Contrtor Poliy Woring Setion 1 Puli Liility (ontinue) Exlusions Poliy Exlusions 1, 2, 5 n 6 pply to this Setion n in ition the Insurer will not py for: 1 Injury to Employees Liility in respet of Injury to ny Employee rising out of n in the ourse of the employment or enggement of suh person y the Insure. 2 Work on Offshore Instlltions Liility in respet of Injury or Dmge rising in onnetion with work on, or trvel to or from Offshore Instlltions. 3 Fines, penlties, liquite, punitive, exemplry or ggrvte mges Liility in respet of fines, penlties or liquite mges punitive, exemplry or ggrvte mges or ny mges resulting from the multiplition of ompenstory mges. 4 Pollution or Contmintion Liility in respet of Pollution or Contmintion ourring in the Unite Sttes of Ameri or Cn or ny epeneny or trust territory Pollution or Contmintion ourring elsewhere unless use y suen ientifile unintene n unexpete inient whih tkes ple in its entirety t speifi time n ple uring the Perio of Insurne. 5 Mehnilly Propelle Vehiles Liility rising out of the ownership, possession or use y or on ehlf of the Insure of ny mehnilly propelle vehile (or triler tthe thereto) whih is require y ny ro trffi legisltion to e the sujet of ompulsory insurne or other seurity ut this Exlusion shll not pply while suh vehile is eing use s tool of tre (other thn in respet of liility whih is ompulsorily insurle uner ro trffi legisltion) in respet of the loing or unloing of suh vehile or the elivery or olletion of goos to or from suh vehile exept where more speifilly insure y ny other poliy. 6 Vessels or Crft Liility rising out of the ownership, possession or use y or on ehlf of the Insure of ny vessel or rft esigne to trvel in, on or through wter, ir or spe (other thn hn-propelle wterrft). 7 Property in the hrge or ontrol of the Insure Liility in respet of Dmge to ny property elonging to or in the hrge or ontrol of the Insure other thn personl effets or vehiles of ny prtner, iretor or Employee of or visitor to the Insure premises (n their ontents) not elonging, lese, rente or hire to the Insure ut temporrily in the hrge of the Insure for the purpose of rrying out work premises (inluing their fixtures n fittings) lese, rente or hire to the Insure ut this Setion oes not over liility tthing to the Insure solely uner the terms of ny tenny or other greement. 8 Dmge to Goos Supplie Liility in respet of Dmge to ny goos or other property sol, supplie, elivere, instlle or erete y or on ehlf of the Insure ll osts of or rising from the nee for mking goo, removl, repir, retifition, replement or rell of i ny suh goos or property ii ny efetive work exeute y or on ehlf of the Insure exept tht 8 n 8i ove shll not pply to liility in respet of Dmge to the si goos or property if suh Dmge is use y or rises from 1 ny ltertion, repir or serviing work exeute 2 ny other goos or property sol, supplie, elivere, instlle or erete y the Insure uner seprte ontrt. 9 Avie n Design Liility for Injury or Dmge rising out of or in onnetion with vie, esign, formul, speifition, inspetion, ertifition or testing provie or performe for fee y or on ehlf of the Insure. 10 Contrt Works n J.C.T. Cluse Liility in respet of Dmge to ny property omprising or to e inorporte in the ontrt works in respet of ny ontrt unertken y the Insure 14

17 Complete Contrtor Poliy Woring ginst whih the Insure re require to effet insurne uner the terms of Cluse of the J.C.T. (R.I.B.A.) Conitions of Contrt or of ny other ontrt onition requiring insurne of like kin. 11 Exess The Exess. 12 Temporry Employees Liility in respet of Employees engge on temporry sis unless figure in respet of temporry employees is shown on the Sheule. Conitions The Poliy Conitions pply to this Setion n in ition 1 Fire Preutions It is onition preeent to ny liility tht the following preutions shll e omplie with y the Insure, their Employees or y their su-ontrtors whenever rrying out ny work involving the pplition of het or use of ngle griners n no liility shll tth to the Insurer unless the preutions shll hve een omplie with: when low torhes, low lmps, eletri oxy-etylene or other weling or flme utting equipment, hot ir guns or ngle griners re to e use i thorough exmintion of the immeite viinity of the work (inluing the re of work itself n inluing the re on the other sie of ny wll or prtition) shll e me to see whether ny omustile mteril is in nger of ignition either iretly n/or y onution of het n reor of inspetion kept ii ll movele n omustile mterils (inluing mterils to e worke upon or whih hve een worke upon n to the gretest extent prtile, ny mterils in the ourse of eing worke upon) shll e remove wy from the immeite viinity of the work (to istne of not less thn fifteen (15) metres from the point of pplition of het or use of ngle griners) iii ll omustile mterils whih nnot e move (inluing mterils to e worke upon or whih hve een worke upon n to the gretest extent prtile, ny mterils in the ourse of eing worke upon) shll e overe n fully protete y overlpping sheets or sreens of non-omustile mteril there shll e ville for immeite use t the site of the work either i two (2) portle multi-purpose ry power fire extinguishers to Europen Stnr BS EN3 or British Stnr BS 5423 with minimum pity of 4.0 kilogrms eh n servie in orne with BS or ii hyruli hose reel provie the sitution is one where wter woul not ggrvte fire or explosion 15

18 Complete Contrtor Poliy Woring Setion 1 Puli Liility (ontinue) e f the lighting of ll low lmps, low torhes, weling n utting equipment shll e rrie out stritly in orne with the mnufturers instrutions n no piee of lighte equipment shll e left unttene where the equipment involves the use of gs yliners, those not require for immeite use shll e kept outsie the uiling in whih the work is tking ple (n in ny event t lest fifteen (15) metres from the point of pplition of het or use of ngle griners) ny tr itumen or sphlt oiler shll not e left unttene n shll e lote t groun level on non-omustile surfe n in the open ir whilst lighte for one (1) hour fter ompletion of eh perio of work or stge of work involving the pplition of het or use of ngle griners or for one (1) hour fter the ompletion of work involving the pplition of het or use of ngle griners in ny re in ll irumstnes tht the re previously worke upon eses to e suffiiently visile to ensure tht ny outrek of fire or signs of the possile outrek of fire will e notie ny re or res in whih work hs een rrie out shll not e left unttene n thorough inspetion of the re surrouning the work (inluing tht esrie in prgrph i of this onition) shll e me t frequent intervls up to the en of the perio of one (1) hour to ensure tht nothing is smoulering n there is no risk of fire (n reor of inspetions shll e kept). 2 Unergroun Servies It is onition preeent to ny liility in respet of Dmge to pipes, les, mins or other unergroun servies rising out of or use y igging, rilling, oring, exvtion, or erth moving opertions, tht the Insure shll prior to the ommenement of suh work i hve me enquiries with the owner or relevnt uthority responsile s to the lotion of existing pipes, les, mins or other unergroun servies n shll hve reeive written onfirmtion or hve onfirme ny onverstion in writing ii rry out investigtion using remote eletril evies to lote existing pipes, les, mins or other unergroun servies where prtile iii onvey the lotion of suh pipes, les, mins n unergroun servies to those Employees or ontrtors rrying out suh work on ehlf of the Insure the Insure shll opt or use to e opte metho of work whih minimises the risk of Dmge to pipes, les, mins n other unergroun servies the Insure shll retin full written reor of the enquiries n mesures tken to lote n minimise the risk of Dmge to suh pipes les mins n other unergroun servies. 3 Bon Fie Suontrtors In respet of work ommening within the Perio of Insurne it is onition preeent to liility in respet of Injury or Dmge rising out of or use y work unertken on ehlf of the Insure y on fie suontrtors tht: the Insure otin n retin written reor tht suh suontrtors hve in fore throughout the urtion of ny work unertken y them on ehlf of the Insure Puli Liility Insurne with limit of inemnity not less thn 1,000,000 overing legl liility for Dmge to property n Injury to ny person other thn n employee in the event of lim relte to work unertken y on fie suontrtors the Insure shll provie oumentry eviene of the Puli Liility Insurne hel y suh suontrtors t the time of their ppointment to rry out the work. 16

19 Complete Contrtor Poliy Woring Setion 2 Employers Liility Definitions Territoril Limits 1 Gret Britin, Northern Ireln, the Chnnel Islns n the Isle of Mn 2 elsewhere in the worl in respet of Injury sustine y ny Employee resient within the territories speifie in efinition 1 ove n use whilst suh Employee is temporrily employe outsie these territories provie tht ny tion for ompenstion in respet of suh Injury is rought in ourt of lw within the si territories or ny other memer ountry of the Europen Union. At of Terrorism Any t inluing ut not limite to the use of fore or violene n/or thret thereof of ny person or group(s) of persons whether ting lone or on ehlf of or in onnetion with ny orgnistion(s) or government(s) ommitte for politil religious ieologil or similr purposes inluing the intention to influene ny government n/or to put the puli or ny setion of the puli in fer. Cover The Insurer will inemnify the Insure ginst legl liility to py ompenstion n limnts osts n expenses in respet of Injury sustine y ny Employee rising out of n in the ourse of the employment or enggement of suh person y the Insure in onnetion with the Business n use within the Territoril Limits uring the Perio of Insurne. Costs n Expenses The Insurer will lso py osts n expenses inurre y the Insurer or with its written onsent in onnetion with the efene of ny lim for representtion of the Insure i t ny oroner s inquest or ftl ient inquiry in respet of eth ii t proeeings in ny ourt of summry jurisition or on initment in ny higher ourt in respet of ny llege reh of sttutory uty resulting in Injury whih my e the sujet of inemnity uner this Setion. Limit of Inemnity The Insurer s Limit of Inemnity for ll ompenstion, osts n expenses pyle in respet of ny one lim or series of lims rising out of one ourrene shll not exee the Limit of Inemnity. Provie tht in respet of n At of Terrorism the Limit of Inemnity shll not exee 5,000,000. If the Insurer lleges tht y reson of this limittion ny loss mge ost or expense is not overe the uren of proving the ontrry shll e upon the Insure. in respet of the inemnity provie uner this Setion for Extension 5 - Corporte Mnslughter n Corporte Homiie At Legl Defene Costs i ii iii the liility of the Insurer shll not exee 5,000,000 in ny one Perio of Insurne ll mounts pyle will form prt of n not e in ition to the Limit of Inemnity where the Insurer hs lrey inemnifie the Insure in respet of legl osts or expenses inurre in onnetion with the efene of ny riminl proeeings (inluing ppels ginst onvition rising from suh proeeings) rising out of the sme ourrene whih gve rise to si proeeings uner nother Setion of the Poliy the mount pi uner tht Setion shll ontriute to the mximum mount pyle uner this Setion. Extensions (Sujet to the terms, limits, onitions n exlusions of this Setion n the Poliy) 1 Inemnity to Other Prties If the Insure so requests the Insurer will inemnify the following prties ny offier or ommittee memer or other memer of the Insure s nteen, soil, sports or welfre orgnistions or mulne, first i, fire, meil or seurity servies ginst liility inurre in suh pity ny prtner, iretor or Employee of the Insure ginst liility inurre in suh pity n in respet of whih the Insure woul hve een entitle to inemnity uner this Setion if the lim h een me ginst the Insure s though eh prty ws iniviully nme s the Insure in this Setion 17

20 Complete Contrtor Poliy Woring Setion 2 Employers Liility (ontinue) ny prinipl for whom the Insure hs gree to exeute work uner ontrt or greement ginst liility rising out of the performne of suh work y the Insure n in respet of whih the Insure is leglly lile n woul hve een entitle to inemnity uner this Setion if the lim h een me ginst the Insure. Provie tht i eh suh prty shll oserve fulfil n e sujet to the terms n onitions of this Setion n the Poliy Conitions in so fr s they n pply ii the Insurer s liilities to the Insure n ll prties inemnifie shll not exee in the ggregte the Limit of Inemnity. 2 Helth n Sfety t Work Legl Defene Costs The Insurer will inemnify the Insure n if the Insure so requests ny prtner, iretor or Employee of the Insure in the terms of this Setion in respet of osts n expenses inurre with the Insurer s written onsent osts n expenses of the proseution or n ppel ginst ny suh prty in onnetion with riminl proeeings or n ppel ginst onvition rising from suh proeeings rought in respet of ny offene uner the Helth n Sfety t Work et. At 1974 or the Helth n Sfety t Work (Northern Ireln) Orer 1978 ommitte or llege to hve een ommitte uring the Perio of Insurne in onnetion with the Business. Provie tht i the proeeings relte to the helth, sfety or welfre of ny Employee ii the Insurer shll hve the solute onut n ontrol of ll the si proeeings n ppels iii the Insurer will not py for fines or penlties of ny kin proeeings or ppels in respet of ny elierte or intentionl riminl t or omission osts or expenses insure y ny other poliy. 3 Unstisfie Court Jugements If jugement for ompenstion or osts in respet of Injury sustine y ny Employee rising out of n in the ourse of employment or enggement y the Insure in onnetion with the Business n use within the Territoril Limits uring the Perio of Insurne is otine y suh Employee in ny ourt situte within Gret Britin, Northern Ireln, the Chnnel Islns n the Isle of Mn ginst ny person or orporte oy omiile or operting from premises within suh territories n remins wholly or prtly unstisfie six (6) months fter the te of suh jugement the Insurer will if the Insure so requests py to the si Employee the mount of ny suh ompenstion n osts to the extent tht they remin unstisfie. Provie tht i there is no ppel outstning ii the Employee shll hve ssigne the jugement to the Insurer iii this Setion ws shown s opertive in the Sheule t the time of the Injury. 4 Court Attenne Compenstion If uring the Perio of Insurne ny prtner, iretor or Employee of the Insure is require to tten ourt s witness t the request of the Insurer in onnetion with lim whih is the sujet of inemnity uner this Setion the Insurer will py ompenstion to the Insure on the following sle for eh y tht ttenne is require i ny iretor or prtner 500 ii ny Employee Corporte Mnslughter n Corporte Homiie At 2007 Legl Defene Costs The Insurer will inemnify the Insure in respet of legl osts n expenses inurre with the prior written onsent of the Insurer n osts of the proseution wre ginst the Insure in onnetion with the efene of ny riminl proeeings (inluing ny ppel ginst onvition rising from suh proeeings) rought uner The Corporte Mnslughter n Corporte Homiie At 2007 or ny equivlent legisltion in the Chnnel Islns or the Isle of Mn in respet of ny ftl injury sustine n use uring the Perio of Insurne in the ourse of the Business n whih my e sujet to inemnity uner this Setion Provie tht the Insurer grees etils of the speifi soliitor or ounsel who re to t on ehlf of the Insure prior to their ppointment. 18