Allianz Insurance plc. Complete Contractor. Policy Wording TRADESMAN INSURANCE

Allinz Insurne pl Complete Contrtor Poliy Woring 2014 TRADESMAN INSURANCE

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.

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 www.fss.org.uk, y emiling enquiries@fss.org.uk or y phoning the FSCS on 0800 678 1100 or 0207 741 4100. 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

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

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

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

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

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

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

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

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

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

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 2007 - 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

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 250 5 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

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

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 6.5.1 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

Complete Contrtor Poliy Woring ginst whih the Insure re require to effet insurne uner the terms of Cluse 6.5.1. 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 5306 3 or ii hyruli hose reel provie the sitution is one where wter woul not ggrvte fire or explosion 15

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

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 2007 - 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

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 250 5 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

Complete Contrtor Poliy Woring The Insurer will not py for i ii iii iv 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 Conitions The Poliy Conitions pply to this Setion n in ition: 1 Compulsory Insurne Legisltion The inemnity grnte y this Setion is eeme to e in orne with the provisions of ny lw relting to ompulsory insurne of liility to Employees in the territories speifie y the Territoril Limits efinition of this Setion ut the Insure shll repy to the Insurer ll sums pi y the Insurer whih the Insurer woul not hve een lile to py ut for the provisions of suh lw. 2 Certifite of Employers Liility Insurne If this Poliy or Setion is nelle the ertifite of Employers Liility insurne is nelle from the sme te. v 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. Exlusions Poliy Exlusions 2 n 6 pply to this Setion n in ition this Setion oes not over: 1 Work on Offshore Instlltions Injury to ny Employee who is working on visiting or trvelling to or from Offshore Instlltions. 2 Mehnilly Propelle Vehiles Liility in respet of Injury to ny Employee rising out of the ownership possession or use y or on ehlf of the Insure of ny mehnilly propelle vehile or triler tthe thereto if suh liility is require y ny ro trffi legisltion to e the sujet of ompulsory insurne or other seurity. 3 Temporry Employees Liility in respet of Employees engge on temporry sis unless figure in respet of temporry employees is shown on the Sheule. 19

Complete Contrtor Poliy Woring Setion 3 Tools Definitions Mehnilly Propelle Constrution Plnt Self propelle vehiles esigne to e use solely s tool of tre on ontrt site or vehiles whih re not liense for ro use n use solely s tool of tre on ontrt site n mehnil plnt (exluing hn tools n ny hn hel portle power tools or their prts) Territoril Limits 1 Gret Britin, Northern Ireln, the Chnnel Islns n the Isle of Mn 2 ny other ountry in the Europen Union Insure Person Insure or ny prtner iretor or permnent Employee of the Insure Tool(s) Any hn tool or ny hn hel portle power tool or their prts (other thn ny Mehnilly Propelle Construtionl Plnt) elonging to or hire or lese y ny Insure Person for whih they re leglly responsile Cover The Insurer will inemnify the Insure ginst Dmge to Mehnilly Propelle Constrution Plnt n Tools ourring uring the Perio of Insurne n within the Territoril Limits efinition of this Setion. The Insurer will py the vlue of suh Mehnilly Propelle Constrution Plnt or Tool or t its option reple, reinstte or mke goo the Dmge. Limit of Inemnity The Insurer s liility uner this Setion shll not exee the Sum Insure in respet of ny one Tool n ny one Perio of Insurne in respet of Tools. Exlusions The Poliy Exlusions pply to this Setion n in ition this Setion oes not over 1 the Exess 2 ny onsequentil loss 3 ny Dmge y theft or ttempte theft of Tools y ny Insure Person or persons employe y the Insure left unttene on ny site or premises where the Insure or ny Employee is rrying out work in onnetion with the Business unless store in seurely loke uiling from within ny unttene vehile unless i ll oors n winows n other points of ess hve een lose n seurely loke ii suh vehile is in seurely loke uiling overnight. ( For the purpose of this Setion overnight shll men from 9.00pm, or whenever the vehile ws lst oupie, whihever is the erlier to 6.00m or until the vehile is first use, whihever is the lter). elsewhere within the Territoril Limits unless store in seurely loke uiling. 4 ny Dmge use y or rising out of wer n ter, orrosion, osolesene, rust, milew, wet or ry rot, frost or other eteriortion, norml upkeep or mking goo, epreition, mehnil or eletril rekown or erngement filures or rekges 5 ny Dmge to ny mehnilly propelle vehile or wterorne vessel or rft 6 ny Dmge to utting eges, utting tools, triling les, flexile pipes, riving hins, onveyor elts, riving elts or rtiles of rittle nture, unless use y fire lightning or storm or the theft of omplete item 7 unexpline ispperne or inventory shortge 8 ny Dmge to ruer tyres y the pplition of rkes or y puntures, uts or ursts Conitions The Poliy Conitions exept numer 10 pply to this Setion. 20

Complete Contrtor Poliy Woring Setion 4 Contrt Works Definitions Contrt Prie The sum gree etween the Insure n his prinipl or employee s pyment for ompletion of the works or where there is no prinipl or employee, the vlue of the works to e omplete on site. Territoril Limits 1 Gret Britin, Northern Ireln, the Chnnel Islns n the Isle of Mn. 2 ny other ountry of the Europen Union. Insure Person The Insure or ny prtner iretor or permnent Employee of the Insure. Mintenne Perio Perio speifie in the ontrt uring whih the Insure is responsile for retifying efets rising from the Contrt Works. Mehnilly Propelle Constrution Plnt Self propelle vehiles esigne to e use solely s tool of tre on ontrt site or vehiles whih re not liense for ro use n use solely s tool of tre on ontrt site. Money Csh, nk n urreny notes, heques, rosse nkers rfts, postl orers, lunheon vouhers, urrent postge stmps, tring stmps, holiy with py stmps, Ntionl Svings stmps, Ntionl Svings ertifites, Premium Bons, reit sles vouhers or reeipts, VAT purhse invoies, unexpire units in frnking mhines, gift tokens, ees, ons, ills of exhnge, promissory notes, tresury notes or seurities n onsumer reemption vouhers, elonging to the Insure or for whih the Insure re responsile. Property Insure Any property elonging to the Insure or for whih they re responsile n for whih Sum Insure is inlue in the Sheule whilst on or jent to the Contrt Works n intene for use in onnetion with the ontrt inluing e Contrt Works The permnent n temporry works unertken y or on ehlf of the Insure in performne of the ontrt or speultive evelopment inluing Site Mterils nywhere within the Territoril Limits ut exluing ny ontrt i ii where the originl Contrt Prie exees the mximum mount speifie in the Sheule whih is seprtely insure Site Mterils All unfixe mterils n goos elivere to or ple on or jent to the Contrt Works n intene for inorportion in them ut exluing Own Plnt n Tools, Hire in Plnt n Tools, Temporry Builings n Hire in Temporry Builings Own Plnt n Tools Tools, ontrtors plnt n equipment elonging to the Insure or hire to them uner hire purhse or lese greement or on free lon n for use in onnetion with the Contrt Works Hire in Plnt n Tools Tools, ontrtors plnt n equipment hire y the Insure n for whih they re responsile uner the terms of their hiring greement or otherwise ut not plnt on hire purhse or sujet to lese greement or on free lon n for use in onnetion with the Contrt Works Temporry Builings Site huts n other temporry ommotion n their ontents (other thn omputer or other t proessing equipment) elonging to the Insure or hire y them uner hire purhse or lese greement or on free lon n for use in onnetion with the Contrt Works 21

Complete Contrtor Poliy Woring Setion 4 Contrt Works (ontinue) f g h Hire in Temporry Builings Site huts n other temporry ommotion n their ontents (other thn omputer or other t proessing equipment) hire y the Insure n for whih they re responsile uner the terms of their hiring greement ut not site huts n other temporry ommotion n their ontents on hire purhse greement or sujet to lese greement or on free lon n for use in onnetion with the Contrt Works Property Awiting Sle Property uilt y the Insure inluing show houses n show flts whilst not uner ontrt for sle or rentl fter the te of ompletion. Completion shll men omplete or omplete other thn the prospetive purhsers or tennts hoie of eortions or finl fitments Employees Tools n Personl Effets Employees hn tools n personl effets whilst on or jent to the Contrt Works n intene for use in onnetion with the ontrt. 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 1 The Insurer will inemnify the Insure ginst Dmge to the Property Insure ourring uring the Perio of Insurne y ny use not exlue y this Setion. 2 In ition the Insurer will inemnify the Insure ginst Dmge to the Contrt Works ourring uring the Perio of Insurne hppening uring ny Mintenne Perio n rising from use ourring prior to the ommenement of the Mintenne Perio use y the Insure in the ourse of ny opertions rrie out y them uring the Mintenne Perio for the purpose of omplying with their oligtions in respet of mintenne or mking goo of efets s my e referre to in the onitions of ontrt. Limit of Inemnity The Insurer s liility for ny one loss uring ny one Perio of Insurne shll not exee in totl the mximum ontrt prie or Sum Insure for eh item shown on the Sheule. Infltion Protetion If t ny time the Contrt Prie is exeee, the Sum Insure shown s the mximum ontrt prie shll e inrese similrly y n mount not exeeing 10%. Tool(s) Any hn tool or ny hn hel portle power tool or their prts (other thn ny Mehnilly Propelle Construtionl Plnt) Unoupie Builing Any uiling or prt of ny uiling whih is empty or not in use y the Insure or ny tennt of the Insure. 22

Complete Contrtor Poliy Woring Extensions 1 Employer s Interest This Setion extens to inlue the interest of ny employer for whom the Insure is rrying out ontrt to whih this Setion pplies ut only to the extent tht suh interest is require to e insure jointly with tht of the Insure uner the ontrt onitions. 2 Professionl Fees The mximum ontrt prie inlues n mount in respet of rhitets, surveyors, onsulting engineers n other fees neessrily inurre in the reinsttement, repir or replement of the Property Insure following Dmge y ny use insure y this Setion ut not suh fees for prepring or ontening ny lim. The mount pyle for suh fees shll not exee tht uthorise y the pproprite professionl oy. 3 Deris Removl The insurne y this Setion inlues osts n expenses neessrily inurre with the Insurer s onsent in: removing eris ismntling or emolishing shoring up or propping lening or repiring rins, servie mins, gullies, mnholes n the like within the site of the Contrt Works of the portion or portions of the Property Insure mge in irumstnes giving rise to lim uner this Setion. The Insurer will not py for suh osts n expenses i ii rising from Pollution or Contmintion of property not insure y this Setion exeeing 10% of the Sum Insure uner eh item of this Setion n provie lwys the Sum Insure shown in the Sheule remins the Insurer s mximum liility. 4 Property Store The insurne y this Setion extens to inlue Dmge to Site Mterils whih re intene for inorportion within the Contrt Works whilst temporrily store nywhere within the Territoril Limits ut only to the extent tht the Insure is lile uner the ontrt onitions or suh Site Mterils hve een llote to speifi ontrt unertken or to e unertken y the Insure. 5 Property in Trnsit The insurne y this Setion extens to inlue the Property Insure whilst in trnsit in the Territoril Limits y ro, ril or inln wterwy inluing Mehnilly Propelle Constrution Plnt whilst uner its own power. 6 Immoilise Plnt The insurne y this Setion extens to inlue ny neessry osts inurre in the reovery of Own Plnt n Tools or Hire in Plnt n Tools whih my eome immoilise or immovle whilst eing use in onnetion with the ontrt provie tht the use of suh immoilistion or immovility is the sujet of n missile lim uner this Setion. 7 Free Mterils Property for whih the Insure is responsile shll inlue ll mterils n goos supplie free of hrge for inorportion in ontrts insure y this Setion provie lwys the Sum Insure shown in the Sheule remins the Insurer s mximum liility. 8 Re-rwing Plns n Douments The insurne y this Setion extens to inlue Dmge to plns, rwings, speifitions, ouments n reors whilst nywhere in the Territoril Limits (exept on sites of ontrts not insure y this Setion) provie tht the Insurer s liility is limite to the vlue of the mterils s sttionery together with the ost of leril lour involve in their reproution, n not the vlue to the Insure of the informtion ontine therein 25,000 in respet of ny one lim or ny one Perio of Insurne. 23

Complete Contrtor Poliy Woring Setion 4 Contrt Works (ontinue) 9 Lol Authorities The insurne in respet of the Contrt Works extens to inlue suh itionl ost of reinsttement following Dmge to the Property Insure s my e inurre solely y reson of the neessity to omply with Builing or Other Regultions uner or frme in pursune of ny At of Prliment or with Bye-Lws of ny Puli Authority. The Insurer will not py for suh itionl ost inurre i whih n e reovere elsewhere ii where notie hs een serve upon the Insure prior to Dmge iii for whih there is n existing requirement whih hs een implemente within given perio iv in respet of ny prt of suh Property Insure whih is unmge other thn the fountions or tht prt whih is the sujet of Dmge the mount of ny rte, tx, uty, evelopment or other hrge or ssessment rising out of pitl ppreition whih my e pyle y reson of ompline with ny of the foresi Regultions or Bye-Lws provie tht the work of reinsttement shll e ommene n rrie out without unresonle ely. 10 Negligent Brekown n Continuing Hire Chrges Sujet to Sum Insure ppering ginst the Hire in Plnt n Tools n Hire in Temporry Builings items on the Sheule the Insurer will inemnify the Insure in respet of Dmge to Hire in Plnt n Tools or Hire in Temporry Builings hire y the Insure to unertke ontrt rising from ny rekown of suh property ue to the negligene of or misuse or misiretion of the property on the prt of the Insure or his employees. Provie lwys tht in respet of eh ourrene the Insure shll e responsile for the first 250 of ny Dmge n the Insurer s liility shll not exee the sum of 5,000 for ny one item. the Insure s liility uner the terms of hiring greement or otherwise to py ontinuing hire hrges onsequent upon Dmge to or negligent rekown of Hire in Plnt n Tools or Hire in Temporry Builings hire in y the Insure. The perio in respet of whih pyment is me uner this extension in respet of ny one ourrene shll e the perio eginning 72 hours fter the Dmge n ening not lter thn three (3) months fter the Dmge. The Insurer s liility shll not exee the sum of 10,000 for ny one loss. 11 Speultive Builing Property Awiting Sle The Insurer will inemnify the Insure in respet of Dmge to ny Property Awiting Sle ourring uring perio of ninety (90) ys fter the te of prtil ompletion. Provie tht in respet of eh ourrene the Insurer s liility shll not exee 100,000 in respet of ny one lim or series of lims rising out of ny one originl use in respet of eh ourrene the Insure shll e responsile for the first 500 of ny Dmge whenever ny show house or show flt is lose for usiness ll seurity evies shll e put into full n effetive opertion n tht suh evies shll inlue i British Stnr loks on ll externl oors ii key operte winow loks on ll groun floor n other essile winows iii n intruer lrm with n uile signlling evie. 12 Employees Tools n Personl Effets The insurne provie uner this Setion inlues Dmge to Employees Tools n Personl Effets whilst nywhere within the Territoril Limits. 13 Own Plnt n Tools The insurne provie uner this Setion extens to inlue Own Plnt n Tools t the Insure s own premises, or elsewhere in loke uiling or ompoun. 14 Conseutive Dmge Any Dmge to the Property Insure t ny one ontrt site uring ny perio of 72 hours use y or rising from storm, tempest, susiene ollpse, floo or other wter mge shll for the purpose of the Exess e eeme to e one ourrene. 24

Complete Contrtor Poliy Woring 15 Expeiting Costs The insurne provie uner this Setion extens to inlue ny itionl osts of overtime, weeken n shift working hours, onus pyments, plnt hire hrges, express elivery n the like neessrily n resonly inurre y the Insure with the onsent of the Insurer to expeite reinsttement or replement or repir of or Dmge to the Contrt Works for whih n inemnity is eing provie y this Setion. Provie tht the Insurer will not e lile for ny osts inurre whih relte either to expeition or the ompletion of ny onstrution, eretion or instlltion of Property Insure not Dmge or to the expeition of the ompletion of the Contrt Works t fster rte thn woul hve een otine h no Dmge ourre the Insurer s liility for suh itionl osts is limite to 10% of the Contrt Prie ut not exeeing 25,000. 16 Housing Grnts At The Insurne y this Setion will inemnify the Insure ginst n wr (or ny prt thereof) me in respet of onstrution ispute n resulting from n juition proeure whih omplies with the provisions of the Housing Grnts Constrution n Regenertion At 1996. Provie tht inemnity shll only pply to the extent tht suh n wr reltes to loss mge or liility for whih n inemnity is provie y this Setion ny pyment me y the Insurer in respet of suh n wr shll e me without prejuie to ny other rights of the Insurer uner this Setion it is onition preeent to ny liility of the Insurer to mke ny pyment uner this Setion tht where there is onstrution ontrt ispute relting to Dmge or liility for whih n inemnity is or my e provie y this Setion i ny notie reeive y the Insure from ny prty of intention to refer suh ispute for juition shll e forwre to the Insurer immeitely upon reeipt ii the Insure shll provie notie to the Insurer of ny intention y the Insure to refer ny suh ispute for juition iii the Insure shll not ept ny wr me y n juitor to suh ispute s eing finl without prior greement of the Insurer. Exlusions Poliy Exlusions pply to this Setion n, in ition, this Setion oes not over: 1 Dmge to: e f g h i j k ny irrft, erosptil evie, tower rne, vessel, rft, or evie esigne to flot in or on or trvel through wter or plnt n equipment mounte on or ny mehnilly propelle vehile (inluing ny tthe triler) for whih ertifite of Motor Insurne is require, other thn Mehnilly Propelle Constrution Plnt Money property forming or whih hs forme prt of ny struture prior to the ommenement of the Contrt Works property for whih the Insure is relieve of responsiility y onitions of ontrt property more speifilly insure the Contrt Works or ny prt of them for whih Certifite of Prtil Completion hs een issue or whih hve een hne over to the employer or purhser or ourring fter the Contrt Works hve een omplete pening sle other thn to the extent stte in respet of the: i Mintenne Perio ii Extension 11 Speultive Builing Property Awiting Sle iii perio of 14 ys immeitely following the issue of Certifite of Prtil Completion uring whih the Insure shll uner the onitions of the ontrt remin responsile for suh permnent work or ny prt thereof utting eges, tools, triling les, flexile pipes, riving elts n hins or onveyor elts unless ompnie y Dmge to the omplete item ruer tyres y the pplition of rkes or y puntures, uts or ursts Hire in Plnt n Tools n Hire in Temporry Builings unless suh hire is sujet to the reommene hire onitions of the Constrution Plnt Assoition or onitions no more onerous to the Insure trees, shrus n plnts use y frost n filure of sees to germinte 25

Complete Contrtor Poliy Woring Setion 4 Contrt Works (ontinue) l ny mounts in exess of 2,500 in respet of omputer n nillry equipment. 2 Dmge to n the ost neessry to repir, reple or retify Property Insure whih is in efetive onition ue to efet in esign, pln, speifition, mterils or workmnship of suh Property Insure or ny prt thereof Dmge to enle the replement, repir or retifition of Property Insure exlue y 2 ove. Exlusion 2 shll not pply to other Property Insure whih is free of suh efetive onition ut is Dmge s onsequene of suh efet. For the purpose of this Setion n not merely this Exlusion the Property Insure shll not e regre s Dmge solely y virtue of the existene of ny efet in esign, pln, speifition, mterils or workmnship in the Property Insure or ny prt thereof 3 ny Dmge y theft or ttempte theft of tools y ny Insure Person or persons employe y the Insure left unttene on ny site or premises where the Insure or ny Employee is rrying out work in onnetion with the Business unless store in seurely loke uiling from within ny unttene vehile unless i ll oors n winows n other points of ess hve een lose n seurely loke ii suh vehile is in seurely loke uiling overnight. ( For the purpose of this Setion overnight shll men from 9.00pm or whenever the vehile ws lst oupie, whihever is the erlier to 6.00m or until the vehile is first use, whihever is the lter). 4 Dmge use y e mehnil or eletril rekown or erngement of mhinery, plnt or equipment wer, ter, orrosion, osolesene, rust, milew, wet or ry rot, or other eteriortion iret pplition of tools or the entry of foreign oies unless solely ue to the ts of mliious persons Pollution or Contmintion other thn tht of or to the Property Insure onfistion, ommneering, ntionlistion or requisition or estrution y or uner the orer of ny government or puli muniipl or lol uthority 5 Dmge use y or rising from ispperne or shortge whih is only revele when n inventory is me or is not trele to n ientifile event 6 liquite mges or penlties for non-ompletion or ely in ompletion of the Contrt Works or for non-ompline with ontrt onitions or onsequentil Dmge of ny kin or esription 7 the Exess 8 the site of ny Contrt Works involving work on wterwys or motorwys following stoppge of work from ny use for perio of three (3) onseutive months. 9 norml upkeep or norml mking goo. elsewhere within the Territoril Limits unless store in seurely loke uiling. 26

Complete Contrtor Poliy Woring Conitions The Poliy Conitions exept numer 10 pply to this Setion n in ition 1 Resonle Preutions The Insure shll tke ll resonle preutions in the seletion of lour n mintin in effiient onition ll plnt n pplines use in onnetion with ny ontrt overe y this Setion n the Insurer shll t ll times hve ess to exmine ny suh plnt n pplines. The Insure shll ensure tht ll equipment n plnt requiring inspetion uner ny Sttute or Orer shll e so inspete. 2 Aitionl Clims Requirement The Insure shll if require y the Insurer proue or give ess to ny property llege to e mge n the Insure shll e oun to stisfy the Insurer y suh eviene s my e resonly require tht the loss or mge in respet of whih lim is me hs tully risen from one of the risks insure ginst. 3 Surogtion Wiver In the event of lim rising uner this Setion following Dmge to the Contrt Works, the Insurer grees to wive ny rights, remeies, or relief to whih they might eome entitle y surogtion ginst ny nominte or omesti su-ontrtor referre to in ny ontrt uner the Joint Contrts Triunl Stnr Form of Builing Contrt. 4 Automti Reinsttement of Sum Insure The insurne y this Setion shll not e reue y the mount of ny lim pi provie the Insure pys the pproprite itionl premium on the mount of ny loss from the te of the loss to the expiry of the Perio of Insurne. 5 Reinsttement If ny property is to e reinstte or reple y the Insurer, the Insure shll t their own expense provie ll suh plns, ouments, ooks n informtion s my resonly e require. The Insurer shll not e oun to reinstte extly ut only s irumstnes permit n in resonly suffiient mnner n shll not in ny se e oun to expen in respet of ny one of the items insure more thn its Sum Insure. 27

Complete Contrtor Poliy Woring Setion 5 Personl Aient Definitions Aientl Boily Injury/Injuries Boily injury use y 1 ientl violent externl n visile mens or 2 exposure to the elements following mishp to ny vehile, vessel or irrft in whih the Memer is trvelling. Loss of Hering Totl n permnent loss of hering whih hs lste three (3) onseutive months of the Memer s lifetime n is t the en of tht perio in the opinion of n inepenently qulifie meil referee eyon hope of improvement. Loss of Lim Totl n permnent loss y physil seprtion or totl n permnent loss of use of hn t or ove the wrist or foot t or ove the nkle. Loss of Sight Totl n permnent loss of sight will e onsiere s hving ourre: 1 in oth eyes if the Memer s nme hs een e to the Register of Blin persons on the uthority of fully qulifie ophthlmi speilist or 2 in one eye if the egree of sight remining fter orretion is 3/60 or less on the Snellen Sle whih hs lste three (3) onseutive months of the Memer s lifetime n is t the en of tht perio in the opinion of n inepenent optiin (eptle to the Insurer) eyon hope of improvement. Opertive Time of Cover 24 hours. Memer Any prtner, proprietor or working iretor of the Insure etween the ges of 16 n 65 yers. Permnent Totl Dislement Dislement other thn Loss of Sight, Loss of Hering or Loss of Lim whih permnently, ompletely n ontinuously prevents the Memer from performing eh n every funtion of his/her Usul Ouption, n whih hving lste 104 weeks of the Memer s lifetime is t the en of tht perio eyon hope of improvement Temporry Prtil Dislement Dislement tht ompletely prevents Memer from performing more thn 50% of the funtions of their Usul Ouption. Temporry Totl Dislement A islement whih wholly prevents the Memer from performing eh n every funtion of his/her Usul Ouption ut is not Permnent Totl Dislement. Usul Ouption The tsks, uties n other funtions whih the Insure normlly pys the Memer to perform in onnetion with the Business of the Insure. Weekly Compenstion Compenstion pyle s result of Temporry Totl Dislement. Cover The Insurer will py the Insure ompenstion in orne with the Sum Insure if ny Memer shll sustin n Aientl Boily Injury uring the Perio of Insurne n Opertive Time of Cover whih within twelve (12) months thereof iretly n inepenently of ny other use results in Permnent Totl Dislement or Temporry Totl Dislement of Memer. 28

Complete Contrtor Poliy Woring Bsis of Settlement Compenstion will e pi in orne with the following perentges sujet to mximum totl of 100% of the Sum Insure in the ggregte. Perentge pyment 1 Deth 100% 2 Permnent Totl Dislement 100% 3 Loss of Lim 100% 4 Loss of Sight 100% Loss of Hering 50% Loss of Hering in one er 10% 5 Permnent loss y physil seprtion of one thum i oth phlnges 20% ii one phlnge 7% e one inex finger i three phlnges 9% ii two phlnges 6% iii one phlnge 3% one other finger i three phlnges 7% ii two phlnges 5% iii one phlnge 2% one gret toe i two phlnges 6% ii one phlnge 3% one other toe i three phlnges 3% ii two phlnges 2% iii one phlnge 1% whih the Memer hs survive for t lest one (1) month. 2 Weekly Compenstion in respet of one or more Aientl Boily Injuries ourring in ny one Perio of Insurne will not e pi for more thn 104 weeks in totl. 3 Weekly Compenstion will e pi t the en of eh perio of four (4) onseutive weeks islement. 4 Weekly Compenstion will not e pi for the first two (2) weeks of eh perio of Temporry Totl Dislement. Exlusions Poliy Exlusion 1 pplies to this Setion. In ition the Insurer will not e lile to mke ny pyment in respet of injury or islement of ny Memer 1 sustine whilst or onsequent upon or ontriute to iretly or iniretly y the Memer engging in motor yling (other thn in respet of mopes or sooters up to 50), hunting, winter sports (other thn urling or skting), mountineering or rok liming (neessitting the use of ropes or guies), pot-holing, ving, ny unerwter tivities involving the use of externl rething pprtus, rme or unrme omt sports, riing or riving in ny kin of re or enurne test (or prtie therefore) vition other thn s pssenger (not s memer of the rew nor for the purpose of unertking ny tre or tehnil opertion) in fully liense pssenger-rrying irrft ny ginful ouption outsie the Business. 2 rising s onsequene of the suiie, intentionl self-injury or insnity of or the influene of lohol or rugs (other thn rugs tken in orne with the tretment presrie n irete y qulifie meil prtitioner ut not for the tretment of rug ition) 3 use or ontriute to iretly or iniretly y pregnny or hilirth Limittions In respet of eh Memer: 1 this Setion shll ese to e in fore immeitely fter the ourrene of ny Aientl Boily Injury qulifying for pyment uner perentge pyment 1, 2 or 3. sexully trnsmitte iseses HIV (Humn Immunoefiieny Virus) n/or ny HIV relte illness inluing AIDS (Aquire Immune Defiieny Synrome) n/or ny mutnt erivtive or vritions thereof however use 29

Complete Contrtor Poliy Woring Setion 5 Personl Aient (ontinue) 4 rising from trvel to or from or work on Offshore Instlltions 5 rising out of or onsequent upon servie in the Arme Fores of ny Ntion or Interntionl Authority or other suh orgnistion 6 rising out of or onsequent upon or ontriute iretly or iniretly y ny Memer(s) ommitting riminl t or tking prt or whilst engge in ivil ommotions or riots of ny kin 7 rising out of Aientl Boily Injury, eth or islement s result of or ontriute to y sikness or isese ny nturlly ourring onition or grully operting use. 8 for ny lim or series of lims rising out of or onsequent upon (or ontriute to iretly or iniretly y) ny one originting event in exess of 750,000 9 s result of ny event iretly or iniretly rising out of ny nuler, hemil or iologil Contmintion ue to ny t of Terrorism regrless or ny other use or ny other event ontriuting t the sme time or in ny other sequene to suh event. For the purpose of this Exlusion: An t of Terrorism mens n 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 to put the puli, or ny setion of the puli, in fer. Contmintion mens ontmintion or poisoning of people y nuler n/or iologil sustnes whih use illness n/or islement n/or eth. If the Insurer lleges tht y reson of this Exlusion ny loss, mge, ost or expense is not overe, the uren of proving the ontrry shll e upon the Insure. Conitions The Poliy Conitions 1 6 n 11 15 pply to this Setion n in ition 1 Clims No lim will e pi unless the Insure n where pplile the Memer omplies stritly with these onitions: e f The Insure or the Memer must give notie to the Insurer s soon s possile n in ny event within 30 ys fter the hppening of ny loss mge or ourrene whih my result in lim uner this Poliy. The Insure or the Memer must provie the Insurer with ll informtion n eviene whih the Insurer my resonly require t no ost to the Insurer. The Insure or the Memer must t the Insurer s request provie meil exmintion report in respet of ny Aientl Boily Injury where the Insure requires the Insurer to onsier lim uner this poliy for whih the Insurer will py the ost of the meil exmintion fee. The Insure must ensure tht s soon s possile fter the ourrene of ny Aientl Boily Injury the Memer otins n follows the vie of registere meil prtitioner. The Insurer will not e lile for ny oily injury or meil onition whih is worsene or prolonge or ny other onsequenes whih rise s result of the Memer s filure to otin n follow suh vie n to use suh tretment remeies or pplines s my e presrie. In the event of the Deth of n the Memer the Insurer will e entitle to hve post-mortem exmintion rrie out t its expense. For the Insure to lim for Weekly Benefits uner this poliy the Memer must hve no other weekly enefits insurne in fore exept s elre to n epte y the Insurer uring the Perio of Insurne. 30

Complete Contrtor Poliy Woring 2 Mteril Fts The Insure shll give the Insurer notie in writing of ny mteril ltertion ffeting the risk insure n of ny vrition in the Business, ouption or tivities or the helth of ny Memer. This Setion shll ontinue in fore until expiry of the urrent Perio of Insurne notwithstning ny vrition in the helth of ny Memer uring suh perio, ut in the event of ny other ltertion or vrition in the risk insure the Insurer shll not e lile to mke ny pyment uner this Setion unless the Insurer hs gree in writing to mintin the Setion in fore following suh ltertion or vrition. 3 The mximum Sum Insure for Temporry Totl Dislement shoul in no instne exee 100% of the Memer s norml weekly wge. It is the uty of the Insure n Memer(s) to inform the Insurer if ny lim pyment oes exee these limits n pyment will e proportiontely reue until these limits re not exeee. 4 If lim or series of lims uner this Setion rising out of or onsequent upon (or ontriute to iretly or iniretly y) ny one originting event exees 750,000 the mount of enefit pi will e proportiontely reue to n mount tht oes not exee 750,000. 5 Age Limittion Unless otherwise gree y the Insurer n speifilly note in this Setion no person ge 65 or over t ommenement of the Perio of Insurne will e overe y this Setion 31

Complete Contrtor Poliy Woring Setion 6 Commeril Legl Expenses The over provie uner this Setion is lims me inemnity n only overs Clims tht the Insure first notifies to the Insurer uring the Perio of Insurne. Definitions In ition to the Poliy Definitions the following lso pply to this Setion: Ats of Prliment All Ats of Prliment referre to in this Setion will inlue referene to ll Orers n Regultions me uner them n to ny susequent menments, re-entments, equivlent legisltion, Regultions or Coes of Prtie, enforele within the Territoril Limits. Ajuition Ajuition whether rising uner the Housing Grnt Constrution n Regenertion At 1996 or the Sheme or n juition rising out of ny term in Contrt. Any One Clim All Clims inluing ny ppel ginst jugment or eision rising out of the sme originl use, event or irumstne without the intervention of ny other use strting from new n inepenent soure will e regre s one Clim. Awrs of Compenstion Bsi Awrs n Compenstory Awrs me ginst the Insure y n Employment Triunl, Employment Appel Triunl or Superior Court, or settlements gree s result of negotition, onilition or ritrtion proeeings n to whih the Insurer s previous Consent hs een given, other thn: ny wrs of ompenstion ginst the Insure for reunny pyment or monies ue uner ontrt of employment, or ny wr rising from filure y the Insure to provie written resons for ismissl, or ny wr or py speifie in reinsttement or re-enggement orer, or ny finnil enefit or ompenstion pyle uner ny shre option sheme or pension sheme. Bsi Awrs Bsi Awrs re s etermine in orne with setion 119 of the Employment Rights At 1996. For the voine of out Bsi Awrs o not inlue Aitionl Awrs, Protetive Awrs, Aggrvte Dmges or Interim Relief. Clim Cover Event 1 Employment Defene n 1 Awrs of Compenstion An pplition to n Employment Triunl rought y or on ehlf of ny Employee ginst the Insure for monetry mges or other relief, inluing request for reinsttement or re-enggement. The irumstnes tht give rise to Clim will egin immeitely the Insure first reeives n Employee s Clim Form (ETI) from n Employment Triunl. Cover Event 1 Employment Servie Oupny A ivil proeeing rought y the Insure for the pursuit of vnt possession of Premises elonging to the Insure n oupie y previous Employee of the Insure. The irumstnes tht give rise to Clim will egin immeitely the Insure is first wre, or shoul resonly hve een wre, tht previous Employee hs file, or will fil, to vte the Premises t the termintion te of tht Employee s ontrt of employment, resulting in provle finnil loss to the Insure. Cover Event 1 Breh of Restritive Covennt A ivil proeeing rought y the Insure following n tul reh y previous Employee of n express restritive ovennt in tht previous Employee s ontrt of employment in respet of Employees or ustomers of the Insure. The irumstnes tht give rise to Clim will egin immeitely the Insure is first wre, or shoul resonly hve een wre, tht previous Employee hs rehe suh n express restritive ovennt, resulting in provle finnil loss to the Insure. Cover Event 2 Txtion Proeeings An HMRC Investigtion. The irumstnes tht give rise to Clim will egin immeitely the Insure or the Insure s ountnt is first wre, or shoul resonly hve een wre, tht n HMRC Investigtion will our. Cover Event 3 Criminl Proseution Defene A riminl proseution rought ginst the Insure Person. The irumstnes tht give rise to Clim will egin immeitely the Insure Person is first wre, or shoul resonly hve een wre, tht riminl proeeings hve een, or re to e, issue ginst tht Insure Person. Cover Event 4 Dmge to Premises A ivil proeeing rought y the Insure for the pursuit of monetry mges or other relief. The irumstnes tht give rise to Clim will egin immeitely the Insure is first wre, or shoul resonly hve een wre, of tul physil mge use to the Premises y n ientifile prty resulting in provle finnil loss to the Insure. 32

Complete Contrtor Poliy Woring Cover Event 5 Dt Protetion A ivil proeeing rought ginst the Insure Person uner Dt Protetion legisltion. The irumstnes tht give rise to Clim will egin immeitely the Insure Person first reeives: writ, summons or similr pleing for injuntive or nonpeuniry relief, thir prty proeeing, or ounterlim, or written notifition from the Informtion Commissioner of refusl of the Insure Person s pplition for registrtion or n ltertion to the Insure Person s registrtion prtiulrs, or n Enforement, De-registrtion or Trnsfer Prohiition Notie from the Informtion Commissioner. Cover Event 6 Commeril Tenny Agreement A ivil proeeing rought y the Insure for the pursuit of monetry mges or other relief. The irumstnes tht give rise to Clim will egin immeitely the Insure is first wre, or shoul resonly hve een wre, of reh of the Insure s Tenny Agreement y the other prty to tht greement. Cover Event 7 Sttutory Liene Appel An ppel y the Insure Person ginst eision y liensing or regultory uthority to suspen, revoke, lter or refuse to renew the Insure Person s Sttutory Liene. The irumstnes tht give rise to Clim will egin immeitely the Insure Person first reeives notifition from the relevnt liensing or regultory uthority of their intention to suspen, revoke, lter or refuse renewl of the Insure Person s Sttutory Liene. The Insurer will only egin proviing inemnity from the time tht Clim hs een epte following the reeipt y the Insure Person of written onfirmtion from the relevnt liensing or regultory uthority of the eision to suspen, revoke, lter or refuse renewl of the Insure Person s Sttutory Liene. Cover Event 8 Pension Trustee Defene A ivil proeeing rought ginst the Insure Person for monetry mges or other relief. The irumstnes tht give rise to Clim will egin immeitely the Insure Person is first wre, or shoul resonly hve een wre, of the intention of n Employee to hol the Insure Person responsile for ny tul or llege filure to fulfil his or her oligtions s trustee of pension fun set up for the enefit of the Insure s Employees. Cover Event 9 Employee s Civil Defene A ivil proeeing rought ginst n Employee for the pursuit of monetry mges or other relief. The irumstnes tht give rise to Clim will egin immeitely the Insure Person is first wre, or shoul resonly hve een wre, of n event rising from his or her work s n Employee tht oul le to ivil tion eing tken ginst him or her uner legisltion for unlwful isrimintion on the grouns of sex, sexul orienttion, re, isility, ge, religious elief, politil opinion or ny other isrimintion ientifie y Ats of Prliment. Cover Event 10 Personl Injury A ivil proeeing rought y the Insure Person for monetry mges. The irumstnes tht give rise to Clim will egin immeitely the Insure Person suffers eth or oily injury. Cover Event 11 Jury Servie Allowne The irumstnes tht give rise to Clim for Jury Servie Allowne will egin immeitely the Insure first knows, or shoul hve known, tht they hve suffere proven finnil loss s result of proprietor, prtner, iretor or Employee of the Insure hving een sent from work s result of ttenne for jury servie. Cover Event 12 Contrt Disputes Below Smll Clims Limit A ivil proeeing rought y or ginst the Insure for monetry mges or other relief. The irumstnes tht give rise to Clim will egin immeitely the Insure: is first wre, or shoul resonly hve een wre, of n tul or llege reh of Contrt y nother prty to tht Contrt, or is first wre, or shoul resonly hve een wre, of the intention of nother prty to Contrt to hol the Insure responsile for ny tul or llege reh of tht Contrt. Compenstory Awrs Compenstory Awrs re the mounts wre t the isretion of n Employment Triunl, Employment Appel Triunl or Superior Court intene to ompenste for loss of ernings n enefits. For the voine of out Compenstory Awrs o not inlue Aitionl Awrs, Protetive Awrs, Aggrvte Dmges or Interim Relief. Commeril Tennt The tennt nme in the Commeril Tenny Agreement who oupies the Premises for non-resientil purposes. 33

Complete Contrtor Poliy Woring Setion 6 Commeril Legl Expenses (ontinue) Contrt An tul or llege ontrt, whether verl or in writing n to whih the Insure is prty, for the sle, purhse, hire, servie, supply or repir of goos or for the supply or purhse of servie. A Contrt oes not inlue ny tul or llege ontrt with n Employee or ny ontrt of servie entere into etween the Insure n ny su-ontrtor or with nyone who is self-employe. Employer Compline Dispute A ispute whih tkes ple following forml written expression of isstisftion with the Insure s PAYE, Ntionl Insurne Contriutions or Constrution Inustry Sheme ffirs following n employer ompline hek y HMRC or following forml written expression of isstisftion with the Insure s P11Ds or P9Ds; or Dt Protetion Compenstion Awrs Compenstion wre uner the terms of setion 13 of the Dt Protetion At 1998 ginst the Insure for the holing, loss or unuthorise islosure of t. Det Reovery Servie The et olletion servie nominte y the Insurer whih is provie s n Aitionl Servie to the Insure for the reovery of Unispute Dets. Employee Any person uner permnent full or permnent prt time ontrt of servie or pprentieship with the Insure. Exess The mount speifie in the Exlusions tht the Insure Person must first py in respet of Any One Clim uner this Setion efore the Insurer then eomes lile to mke pyment uner tht Clim. HMRC HM Revenue & Customs. HMRC Investigtion Business Self Assessment Aspet Enquiry An enquiry following the issue of forml written notie y HMRC uner Prgrph 24(1) Sheule 18 Finne At 1998 or S9A or S12AC of the Txes Mngement At 1970 in orer to mke n enquiry into one or more speifi spets of the Insure s usiness self ssessment return; or Business Self Assessment Full Enquiry An enquiry following the issue of forml written notie y HMRC uner Prgrph 24(1) Sheule 18 Finne At 1998 or uner S9A or S12AC of the Txes Mngement At 1970 to exmine the whole of the Insure s usiness self ssessment return. VAT Dispute A ispute whih tkes ple following: i VAT ompline hek where written eision, ssessment or sttement of llege rrers is reeive from HMRC in respet of the Insure s Vlue Ae Tx Return; or ii the reeipt y the Insure of forml written notie of VAT efult surhrge. Insure Person The Insure n, t the request of the Insure with the greement of the Insurer, the Insure s proprietors, prtners n iretors n lso ll Employees ting in the norml ourse of their employment. Insurer Allinz Insurne pl tring s Allinz Legl Protetion. Jury Servie Allowne The pyment of up to 100 per y to the Insure in respet of n Insure Person who is sent from work s result of his or her ttenne for jury servie within the Territoril Limits, ut only in so fr s this is not otherwise reoverle from the relevnt ourt n pyment of suh sum hs een me y the Insure to the Insure Person uner ny ontrt of employment. The mount tht the Insurer will py is se on: the time the Insure Person is off work inluing the time it tkes to trvel to n from the ourt. This will e lulte to the nerest hlf y ssuming tht whole y is eight hours. if the Insure Person works full time, the slry or wges for eh y equls 1/250th of the Insure Person s nnul slry or wges. if the Insure Person works prt time, the slry or wges will e proportion of the Insure Person s weekly slry or wges. 34

Complete Contrtor Poliy Woring Lwphone Legl Helpline A telephone visory servie provie y the Insurer: to vise the Insure on Business relte legl mtters, n for the Insure to report ll Clims uner this Setion to the Insurer. Legl Expenses Fees n Expenses ny unreovere professionl fees, expenses or other isursements resonly n properly inurre y the Legl Representtive on the Stnr Bsis n up to the stnr rtes set y the ourts, s my e gree n onfirme y the written onsent of the Insurer in respet of ny Clim, inluing osts n expenses of expert witnesses n those inurre y the Insurer in onnetion with suh Clim. ny osts inurre y other prties, insofr s the Insure Person is hel lile in ivil ourt or triunl to py suh osts or uner settlement me with nother prty with the Insurer s onsent, ut exluing ny osts whih the Insure Person my e orere to py y ourt of riminl jurisition. ny unreovere professionl fees, expenses or other isursements resonly n properly inurre y the Legl Representtive on the Stnr Bsis n up to the stnr rtes set y the ourts, s my e gree n onfirme y the written onsent of the Insurer in n ppel, or in resisting n ppel, ginst the jugment of relevnt ourt or triunl. ny unreovere professionl fees, expenses or other isursements resonly n properly inurre y the Legl Representtive on the Stnr Bsis n up to the stnr rtes set y the ourts or t suh rtes, or in suh mounts, s my e gree n onfirme y the written onsent of the Insurer where it is neessry for n ountnt to represent the Insure in onnetion with ny Clim relting to n HMRC Investigtion or susequent ppel, ut exluing ny tx or interest n penlties emne, ssesse or requeste y HMRC. Legl Representtive A soliitor, rrister, ountnt or ny other ppropritely qulifie person ppointe in the nme of n on ehlf of the Insure Person with the greement of the Insurer to t for the Insure Person in orne with the terms of this Setion. Resonle Prospets of Stisftory Outome In ivil proeeings Resonle Prospets of Stisftory Outome only exist if the Legl Representtive vises tht the Insure Person is more likely thn not to suee, ssuming the se ws etermine t tril or other finl hering t first instne n the likely mges lime n reovere y or ginst the Insure Person will exee the Insure Person s own likely Legl Expenses. In riminl proeeings Resonle Prospets of Stisftory Outome only exist if: i the Insure Person is more likely thn not to suee in efening the proseution ssuming the se ws etermine t tril or other finl hering t first instne or ii the Insure Person is more likely thn not to suee in signifint mitigtion of their sentene or fine where the Insure Person intens to ple guilty to the offene, or is vise to o so y the Legl Representtive. In n Employer Compline Dispute or VAT Dispute n in ll ppels following n HMRC Investigtion Resonle Prospets of Stisftory Outome only exist if the Insure is more likely thn not to suee in reversing the eision me or reuing the liilities llege y HMRC. Smll Clims Court A ourt in Engln & Wles tht hers Clim flling uner the smll lims trk in the County Court s efine y Setion 26.6 (1) of the Civil Proeure Rules 1999; or A Sheriff Court in Sotln tht hers smll lim; or A Smll Clims Court in Northern Ireln; or Any equivlent Court tht hers smll lim elsewhere within the Territoril Limits. Smll Clims Limit The mximum vlue of Clim tht n e her in the Smll Clims Court. Stnr Bsis The ssessment of Legl Expenses whih re proportionte to the Insure Person s Clim. Sttutory Liene A liene or ertifite of registrtion issue uner sttute, sttutory instrument or y Government or lol uthority to the Insure Person n whih is require to enle the Insure Person to rry on the norml tivities of the Business. 35

Complete Contrtor Poliy Woring Setion 6 Commeril Legl Expenses (ontinue) Tx Avoine Sheme Any mtter whih is notifile to HMRC uner the regultions for Dislosure of Tx Avoine Shemes (DOTAS). Tenny Agreement A written greement uner whih the Insure: lets the Premises to Commeril Tennt; or oupies the Premises s Commeril Tennt in onnetion with the Business n in return for the pyment of rent. Territoril Limits (Events 1, 2, 3, 4, 5, 6, 7, 8, 9, 11 & 12) Gret Britin, Northern Ireln, the Chnnel Islns n the Isle of Mn. Territoril Limits (Event 10 only) Any memer ountry of the Europen Union n Croti, Ieln, Norwy n Switzerln. Unispute Det Money n interest tht hs not een pi to the Insure uner the terms of Contrt, in respet of whih the other prty to tht Contrt woul not, in the opinion of the Det Reovery Servie or the Insurer, hve relisti hne of sueeing in the efene of ny legl tion tken in respet of the mount ue. Witness Attenne Allowne The pyment of up to 100 per y to the Insure in respet of the Insure Person who is sent from work s result of his or her ttening s witness for the Insure t hering, ourt, triunl or ritrtion within the Territoril Limits t the request of the Legl Representtive with the Insurer s written onsent of, ut only in so fr s this is not otherwise reoverle from the relevnt hering, ourt, triunl or ritrtion. The mount tht the Insurer will py is se on: Limit of Inemnity The mximum mount the Insurer is lile to py uner this Setion is: 1 100,000 Any One Clim other thn Clim relting to Business Self Assessment Aspet Enquiry uner Event 2 Txtion Proeeings, Event 11 Jury Servie Allowne, Event 12 Contrt Disputes Below Smll Clims Limit n Witness Attenne Allowne. 2 2,000 Any One Clim relting to Business Self Assessment Aspet Enquiry uner Event 2 Txtion Proeeings. 3 5,000 Any One Clim relting to Event 11 Jury Servie Allowne. 4 50,000 Any One Clim relting to Event 12 Contrt Disputes Below Smll Clims Limit. 5 5,000 Any One Clim relting to Witness Attenne Allowne. 6 1,000,000 for ll Clims first notifie to the Insurer uring the Perio of Insurne. (olletively the Limit of Inemnity ) The ove mounts re ll inlusive of Legl Expenses. Cover The Insurer grees to py up to the Limit of Inemnity n on ehlf of the Insure Person, Legl Expenses, Awrs of Compenstion, Dt Protetion Compenstion Awrs, Jury Servie Allowne n Witness Attenne Allowne inurre y the Insure Person in the pursuit or efene of ny Clim rought within the Territoril Limits, whih is first notifie to the Insurer uring the Perio of Insurne n whih flls within the Cover provie y Events 1 to 12 esrie elow. the time the Insure Person is off work inluing the time it tkes to trvel to n from the hering, ourt, triunl or ritrtion. This will e lulte to the nerest hlf y ssuming tht whole y is eight hours. if the Insure Person works full time, the slry or wges for eh y equls 1/250th of the Insure Person s nnul slry or wges. if the Insure Person works prt time, the slry or wges will e proportion of the Insure Person s weekly slry or wges. Events (s shown in the Poliy Sheule) 1 Employment Disputes n Awrs of Compenstion The Insure hs over for: Employment Defene the efene of the legl rights of the Insure in ispute in n Employment Triunl with previous, present or prospetive Employee n whih rises out of or reltes to ontrt of employment or reh of employment or isrimintion legisltion. 36

Complete Contrtor Poliy Woring Awrs of Compenstion. Employment Servie Oupny the pursuit of previous Employee to reover possession of Premises elonging to the Insure n oupie for resientil purposes y tht previous Employee provie tht: i the ouption of the Property y the previous Employee ws onitionl on his or her employment y the Insure n ws speifilly inlue s prt of the remunertion within tht previous Employee s ontrt of employment; n ii the previous Employee s ontrt of employment hs terminte n ny notie perio hs een omplete (whether notie of resigntion or notie of ismissl n inluing where the Employee ws ple on leve y the Insure for the whole, or prt, of tht notie perio); n iii the te of termintion of the previous Employee s ontrt of employment ws not efore the te this Setion strte. Breh of Restritive Covennt the pursuit of n injuntion ginst previous Employee following reh of n express restritive ovennt in tht Employee s ontrt of employment with the Insure, where the previous Employee hs: i soliite other Employees of the Insure, or ii soliite ustomers of the Insure, resulting in proven finnil loss to the Insure. Provie tht for ll Clims me uner Event 1: the Insure hs issue ll neessry oumenttion to n Employee s require y legisltion. the Insure hs onsulte with n then followe with ue iligene the vie n proeures provie y the Lwphone Legl Helpline efore mking ny signifint vrition to n Employee s ontrt or tking ny tion whih might le to the giving of forml wrning to, or the ismissl of, n Employee. the Insure hs onsulte with the Lwphone Legl Helpline immeitely the Insure knew, or ought resonly to hve known, of ny use, event or irumstne whih hs given or my give rise to Clim involving the Insure. the inient giving rise to the Clim ours t lest 3 months fter the strt of the first Perio of Insurne. This will not pply if the Insure h over whih is equivlent to tht provie uner this Setion uner nother legl expenses poliy up to the strt of the first Perio of Insurne. 2 Txtion Proeeings The Insure hs over for representtion of the Insure in n HMRC Investigtion, n in ny ppel proeeings rising from tht HMRC Investigtion. Provie tht: the HMRC Investigtion rises out of the Business; n the Insure hs kept urte usiness reors in orne with ny relevnt tx requirements; n ll relevnt tx returns hve een file on time; n Resonle Prospets of Stisftory Outome exist in respet of n Employer Compline Dispute, VAT Dispute n in ll ppels following n HMRC Investigtion. 3 Criminl Proseution Defene The Insure Person hs over for the efene of riminl proseution. Provie tht the riminl proseution rises out of the Business. 4 Dmge to Premises The Insure hs over for the pursuit of the legl rights of the Insure in ispute relting to physil mge to the Insure s Premises use y nother person or orgnistion resulting in proven finnil loss to the Insure. Provie tht: the Premises re use solely for the Insure s Business; n the inient giving rise to the Clim ours t lest 3 months fter the strt of the first Perio of Insurne. This will not pply if the Insure h over whih is equivlent to tht provie uner this Setion uner nother legl expenses poliy up to the strt of the first Perio of Insurne. 5 Dt Protetion The Insure hs over for: the efene of the legl rights of the Insure in ivil ispute rising out of the Dt Protetion At 1998; n ppel y the Insure ginst refusl of n pplition for registrtion or ltertion of registere prtiulrs; n ppel y the Insure ginst ny Enforement, Deregistrtion or Trnsfer Prohiition Notie; Dt Protetion Compenstion Awrs. 37

Complete Contrtor Poliy Woring Setion 6 Commeril Legl Expenses (ontinue) 6 Commeril Tenny Agreement The Insure hs over for the pursuit of the Insure s legl rights in ispute relting to the Insure s Tenny Agreement. 7 Sttutory Liene Appel The Insure Person hs over to ppel to the relevnt uthority, ourt or triunl following eision me y suh liensing or regultory uthority to suspen, revoke, lter or refuse to renew Sttutory Liene. 8 Pension Trustee Defene The Insure Person hs over for the efene of his or her legl rights in ivil proeeings rising from the Insure Person s pity s trustee of pension fun set up for the enefit of Employees. 9 Employee s Civil Defene The Insure Person hs over for the efene of his or her legl rights in ivil proeeings rising from the Insure Person s work s n Employee uner legisltion for unlwful isrimintion on the grouns of sex, sexul orienttion, re, isility, ge, religious elief, politil opinion or ny other isrimintion ientifie y Ats of Prliment. 10 Personl Injury The Insure Person hs over for the pursuit of his or her legl rights following n event whih uses the Insure Person s eth or oily injury. Provie tht the eth or oily injury rises out of the Business 11 Jury Servie Allowne The Insure hs over for Jury Servie Allowne. 12 Contrt Disputes Below Smll Clims Limit The Insure hs over for the pursuit or efene of ispute with mnufturer or supplier or ustomer in respet of Contrt. Provie tht: the goos or servies in question re supplie in onnetion with the norml Business tivities of the Insure; n the mount in ispute is more thn 250 ut equl to or less thn the Smll Clims Limit; n the Clim is her within Smll Clims Court; n Exlusions In ition to the Poliy Exlusions the following lso pply to this Setion. 1 In respet of ll prts of Event 1 Employment Disputes n Awrs of Compenstion there is no over for: ny Clim rising s result of the Insure s filure to onsult with n then follow with ue iligene the vie n proeures provie y the Lwphone Legl Helpline efore mking ny signifint vrition to n Employee s ontrt or tking ny tion whih les to the giving of forml wrning to, or the ismissl of, n Employee. e f ny ispute with n Employee who ws sujet to either written or verl wrning (forml or informl) in the 6 months immeitely preeing the first Perio of Insurne. ny ispute whih neessittes the estlishment of trnsfer of employment uner the Trnsfer of Unertkings (Protetion of Employment) Regultions 2006 or the Aquire Rights Diretive or reh, or llege reh, of either. ny ispute rising out of ny ontrt of servie entere into etween the Insure n ny su-ontrtor or with nyone who is self-employe. ny ispute se upon, rising from or in onsequene of ny inustril ispute, inustril or lour ritrtion or olletive rgining greements. ny osts or expenses inurre y the Insure rising out of n internl isiplinry hering or grievne relting to n Employee. In respet of Event 1 Employment Servie Oupny there is no over for the efene of the Insure s legl rights, other thn to efen ounter-lim. In respet of Event 1 - Breh of Restritive Covennt there is no over for ny ispute with ny iniviul who efore the ineption of this Setion either ese to e n Employee, or ws working uring his or her notie perio (whether notie of resigntion or notie of ismissl n inluing where the Employee ws ple on leve y the Insure for the whole, or prt, of tht notie perio). if the Insure is pursuing nother prty to the Contrt for n mount of money n interest, tht mount is not n Unispute Det. 38

Complete Contrtor Poliy Woring 2 In respet of Event 2 Txtion Proeeings there is no over for: n Exess of 200 in respet of Business Self Assessment Aspet Enquiry. e f g h i j k the preprtion of ounts or self ssessment returns. n HMRC Investigtion whih rises out of: i elierte or rekless or reless missttements y the Insure in returns or sumissions me to the relevnt uthorities; ii filure y the Insure to mke urte, truthful n up to te sumissions or returns; or iii filure y the Insure to oserve sttutory time limits or requirements. n HMRC Investigtion whih rises solely from n investigtion of erlier ounts or reors. n enquiry uner Puli Notie 160 or Setion 60 of the VAT At 1994. ny mtter onute y HMRC Speilist Investigtions or onute uner the HMRC Civil Investigtion of Fru or Criminl Investigtions proeures. the efene of ny riminl proseution. ny mtter rising from the filure of the Insure to register for PAYE, VAT, or the Constrution Inustry Sheme or to notify hrgeility in reltion to ny tx within the relevnt time limits. ny mtter relting to Tx Avoine Sheme. ny mtter relting to IR35 legisltion. n HMRC Investigtion rising from the pyment of the Ntionl Minimum Wge. 3 In respet of Event 3 Criminl Proseution Defene there is no over for: the efene of proseution rising from or in onnetion with: i fru, theft or other ishonesty; ii offenes ginst nother person, inluing offenes of sexul nture; iii the mnufture, eling in or use of lohol, illegl rugs, ineent or osene mterils; iv the ownership, possession, hiring or use of irrft, wterrft, motor vehiles, trilers or rvns; v ny investigtion y HMRC; vi pollution. ny osts wre ginst the Insure Person y ourt of riminl jurisition. 4 In respet of Event 4 Dmge to Premises there is no over for: ny ispute rising from the tul or llege performne of, or filure to perform, in whole or in prt, n tul or llege Contrt etween the Insure n thir prty. e f g h i ny ispute relting to mining or other susiene or heve. ny ispute relting to plnning or uiling regultions or eisions. ny ispute relting to the renewl of lese or Tenny Agreement. ny ispute over the freehol or lesehol or ommonhol or title of the Premises. Ajuition. ny ispute with Government or lol uthority eprtments onerning the imposition of rtes or other lol txes. ny ispute relting to the ownership, possession, hiring or use of irrft, wterrft, motor vehiles, trilers or rvns. the efene of the Insure s legl rights other thn in efening ounter-lim y the other prty to the ispute. 5 In respet of Event 5 Dt Protetion there is no over for ny ispute or legl proeeing: whih reltes to the proseution of the Insure. whih rises from filure to register s Dt Controller. whih rises from filure to omply with ny legisltive requirement onerning the proessing of Sensitive Personl Dt. 6 In respet of Event 6 Commeril Tenny Agreement there is no over for: ny ispute relting to rent or servie hrges, tx, plnning or uiling regultions or eisions. e ny ispute relting to the renewl of lese or Tenny Agreement. ny ispute rising from n greement the Insure enters into to let the Premises for resientil purposes. ny ispute over the freehol or lesehol or ommonhol or title of the Premises. Ajuition. 39

Complete Contrtor Poliy Woring Setion 6 Commeril Legl Expenses (ontinue) f g ny ispute with Government or lol uthority eprtments onerning the imposition of rtes or other lol txes. the efene of the Insure s legl rights other thn in efening ounter-lim y the other prty to the Tenny Agreement. 7 In respet of Event 7 Sttutory Liene Appel there is no over for: ny ppel rising out of hering tht took ple euse of ommeril eision me y the Insure Person in reltion to the Business; ny ppel following hering tht the Insure Person knew out, or shoul resonly hve known out, efore this Setion ommenes; ny ppel involving Sttutory Liene for whih the Insure Person hs me n ppel in the 12 months efore this Setion ommenes; ny isiplinry or internl proeures onute y uthorities hrge with the regultion of the Insure Person in the performne of their norml Business tivities, or for ny ppel following suh proeures; e f g the reovery of ny Unispute Det other thn where the other prty to the Contrt hs inite n intention to efen the Clim n tht prty hs relisti hne of efening the Clim. the pursuit or efene of ny Clim rought y or ginst the Insure Person use y or rising from or in reltion to professionl servies, vie or speifition given y the Insure or on ehlf of the Insure Person. ny ispute rising from or s onsequene of ny reh or llege reh of professionl uty or ny error or omission in ny vie given y the Insure Person or on ehlf of the Insure Person. ny ispute where Clim is rought ginst the Insure use y or rising from the provision of goos or servies y the Insure relting to the onstrution, ltertion or repir of ny uiling, or prt of tht uiling, or struture. ny ispute relting to omputer hrwre, softwre, systems or servies. ny ritrtion unless wholly in orne with the Aritrtion At 1996. e f g the first pplition for, or pplition for the renewl of, the Insure Person s Sttutory Liene; ny suspension, revotion, ltertion or refusl to renew Sttutory Liene whih is impose y Ats of Prliment or ntionl or lol government regultion or orer; ny ppel rising out of herings relting in whole or in prt to: i owning, riving or using motor vehile; ii rug offenes; iii uner ge rinking or uner ge mission to Premises; or iv llegtions of sexul or ineent tivities. 8 In respet of Event 10 Personl Injury there is no over for isputes etween the Insure n the Insure Person. 9 In respet of Event 12 Contrt Disputes Below Smll Clims Limit there is no over for: ny ispute whih ours within the first three months of the strt of the first Perio of Insurne. This will not pply if the Insure h over whih is equivlent to tht provie uner this Setion uner nother legl expenses poliy up to the strt of the first Perio of Insurne. h i j k l m Ajuition. ny ispute in respet of ssignment, ilment, ills of exhnge, reit, insurne, seurities or gurntee. ny ispute relting to lese, liene or tenny of ln or uilings other thn ispute with professionl viser in onnetion with the rfting of lese, liene or Tenny Agreement. ny ispute relting to the legl right of the Insure to own, oupy or use ny ln or uiling or ny enefit or llege enefit tthing to the ln. ny ispute relting to the ownership, possession, hiring or use of motor vehiles. ny ispute rising out of the mount pyle uner n insurne poliy. In respet of ll Events there is no over for the following. 10 In ition to ny Exess speifie within Events 1 to 12, further Exess of 500 pplies in respet of Any One Clim where the Insurer grees to the Insure Person s request to ppoint n lterntive Legl Representtive to the one hosen y the Insurer. 40

Complete Contrtor Poliy Woring 11 Legl Expenses inurre without the Insurer s written Consent n Awrs of Compenstion, Dt Protetion Compenstion Awrs, Jury Servie Allowne or Witness Attenne Allowne inurre efore the Insurer s written Consent n eptne of Clim. 12 Any Clim whih oes not rise from or relte to the Business, other thn Clim in respet of Jury Servie Allowne. 13 Any Clim in respet of whih the Insure Person is, or ut for the existene of this Setion woul e, entitle to n inemnity or ontriution uner ny other poliy or ertifite of insurne, servie ontrt or memership, exept for ny exess eyon the mount whih woul hve een overe uner suh other poliy, ertifite, servie ontrt or memership. 14 Any Clim in respet of whih the Insure Person is entitle to n inemnity or ontriution uner ny other Setion of this Poliy. 15 Any Clim in respet of whih the Insure Person is entitle to Legl Ai. 16 Any use, event or irumstne ourring prior to or existing t the ineption or on or fter the renewl of this Setion n whih the Insure Person knew, or ought resonly to hve known, my give rise to Clim y or ginst the Insure Person. 17 Any Clim rising out of elierte, onsious, intentionl or rekless t y the Insure Person or where the Insure Person hs shown wilful isregr for the nee to tke ll resonle steps to voi, prevent n limit ny suh Clim. 18 Any Clim me, rought, ommene, ontinue or trnsferre outsie of the Territoril Limits. 19 Any Clim where in the Insurer s opinion there re no Resonle Prospets of Stisftory Outome. 20 Fines or other penlties impose y ourt, triunl or regultor, inluing ny osts wre ginst the Insure Person following riminl proeeings. 24 Any Clim rising from or relting to the opertion of frnhise or istriution greement. 25 Any ispute etween iniviuls omprising the Insure or with ny susiiry, prent, ssoite or sister ompny or rising from shreholing greement, prtnership greement or trust. 26 Any Clim rising s result of n llegtion of liel or slner. 27 Any Clim relting to ptents, opyrights, tremrks, merhnise mrks, registere esigns or other intelletul property, reh of serey or onfientility, pssing off tion or restritive ovennts, other thn s speifie in Event 1 Breh of Restritive Covennt. 28 Any Clim rising from or relting to n pplition for juiil review or other hllenge to ny legisltion or propose legisltion. 29 Any Clim relting to ny non-ontrting prty s right to enfore ll or ny prt of this Setion. The Contrts (Rights of Thir Prties) At 1999 oes not pply to this Setion. 30 Defening the Insure Person in ny legl proeeings rising from: oily injury, eth, illness or isese (inluing psyhitri injury n stress), or loss, estrution or mge to property, or llege or tul reh of ny uty owe s iretor or offier of the Insure, other thn s speifie in Event 8 Pension Trustee Defene. 31 Any VAT tthing to Legl Expenses inurre with the Insurer s Consent whih is reoverle y the Insure Person from elsewhere. 21 Any ispute etween the Insure Person n the Insurer. 22 Any ispute etween the Insure Person n the Legl Representtive in respet of Clim uner this Setion, or etween the Insure n the provier of ny Aitionl Servie or telephone helpline ville uner this Setion. 23 Any Clim relting to mge to goos in trnsit or goos lent or hire to thir prties or goos t premises other thn the Premises. 41

Complete Contrtor Poliy Woring Setion 6 Commeril Legl Expenses (ontinue) Conitions If the Insure Person oes not keep to these onitions the Insurer will hve the right to withrw over for this Setion, refuse ny Clim n withrw from ny urrent Clim. In ition to the Poliy Conitions, the following lso pply to this Setion: A. Generl Conitions 1 Chnge of Risk It is onition preeent to the liility of the Insurer to provie Cover uner this Setion tht the Insure must notify the Insurer in writing of ny ltertion uring the Perio of Insurne whih woul mterilly ffet the Insurers ssessment of the risk n tht prt of this insurne ffete shll ese to e in fore unless suh ltertion is gree in writing y the Insurer. The Insurer shll hve the right to men the premium n the Insure will py n itionl premium to, or reeive refun of premium from, the Insurer s the se my e. 2 Aritrtion Any ispute etween the Insure Person n the Insurer onerning this Setion shll e referre to single ritrtor who will e either soliitor or rrister gree upon y the prties or filing greement one who is nominte y the Presient of the pproprite Lw Soiety or y the Chirmn of the Br Counil or pproprite professionl oy within the Territoril Limits. All the osts of the ritrtion shll e met in full y the prty ginst whom the eision is me. If the eision is not lerly me ginst one prty the ritrtor will hve the power to pportion osts. If the eision is me in the Insurer s fvour, the Insure Person s osts will not e reoverle uner this Setion. The eision will e finl n ining upon oth the Insure Person n the Insurer n nnot e the sujet of n ppel. 3 Due Oservne The ue n reful oservne n fulfilment of the terms of this Setion insofr s they relte to nything to e one or omplie with y the Insure Person or the Legl Representtive will e onition preeent to the Insurer s liility to provie or to ontinue to provie Cover uner this Setion. 4 Mintenne of Reors It is onition preeent to the Insurer s liility to provie Cover uner this Setion tht the Insure hs kept n mintine resonle ooks n reors. Where the Insure is orporte orgnistion suh ooks n reors must hve een kept in orne with the Compnies Ats. 5 Dislosure of the Existene of this Setion The Insure Person or the Legl Representtive must not revel the existene of this Setion unless the Insurer hs given written onsent or is orere to o so y ourt. 6 Assignment This Setion my not e ssigne y the Insure Person or y the Insure Person s exeutors or ministrtors. B. Clims Proess Conitions 1 Notifition of Clims It is onition preeent to the Insurer s liility to provie Cover uner this Setion tht the Insurer is notifie in writing y the Insure Person y the ompletion of lim form, or in nother wy onfirme y the Insurer to the Insure Person, immeitely the Insure Person is, or shoul hve een, wre of ny use, event or irumstne whih hs given or my give rise to Clim involving the Insure Person. If the Insure Person fils to notify the Insurer of suh use, event or irumstne uring the Perio of Insurne ny Clim rising from tht use, event or irumstne will not e epte. When suh notifition hs een given, the Insurer grees to tret ny susequent Clim in respet of the use, event or irumstne notifie s though the Clim h een me, rought or ommene uring the Perio of Insurne. Importnt proeure for Employment Disputes If Clim Form (ET1) is reeive from n Employment Triunl the Insure must immeitely omplete lim form n forwr it to the Insurer, to rrive no lter thn 7 ys fter reeipt of the Clim Form (ET1). Response Form (ET3), whih shoul e left lnk, must lso e sent. 2 Consent It is onition preeent to the liility of the Insurer to provie Cover uner this Setion tht onsent to inur Legl Expenses n ept Clim in respet of Awrs of Compenstion, Dt Protetion Compenstion Awrs, Jury Servie Allowne or Witness Attenne Allowne must first e otine in writing from the Insurer ( Consent ). Consent will e given if the Insure Person n stisfy the Insurer tht: there re Resonle Prospets of Stisftory Outome, n in prtiulr se, it is resonle for Legl Expenses to e inurre n/or Clim in respet of Awrs of Compenstion, Dt Protetion Compenstion Awrs, Jury Servie Allowne or Witness Attenne Allowne e epte uner this Setion. 42

Complete Contrtor Poliy Woring In rehing eision on whether or not to give Consent, the Insurer will seek the opinion of ny visers they feel it is neessry to onsult. The Insurer my require the Insure Person to otin n opinion from ounsel, t the Insure Person s expense, s to the merits of the Clim. If suh n opinion inites tht there re Resonle Prospets of Stisftory Outome the ost of the opinion will e pi y the Insurer within the Limit of Inemnity for tht Clim. In ll ses the Insure Person will e vise in writing of the grnting or refusl of Consent. 3 Deling with the Clim If the Insurer grnts Consent Legl Representtive will e instrute n will then t in orne with Clims Proess Conition 8. The Insurer my withrw Consent previously given t ny time if fts eome known whih woul men tht prtiulr Clim woul not hve een epte uner the terms of this Setion or if there re no longer Resonle Prospets of Stisftory Outome. Provie there hs een full ompline with the Setion terms the Insurer grees to inemnify the Insure Person in respet of Legl Expenses inurre up to the te when the Insurer notifie the Insure Person tht Consent h een withrwn. If the Insure Person eies to proee with the pursuit or efene of Clim to whih the Insurer hs refuse to give Consent n is susequently suessful the Insurer will py Legl Expenses s if the Insurer h given Consent t the outset. 4 Duty of the Insure Person to Minimise Clims In respet of ny Clim for whih Consent hs een grnte uner the Setion the Insure Person must use est enevours n tke ll resonle mesures to minimise the ost n effet of ny Clim uner this Setion. If the Insure Person fils to omply with this requirement then the Insurer will hve the right to just the Insurer s liility uner this Setion to the extent tht Clim woul hve ost the Insurer h the Insure Person omplie. 5 The Insurer s Right to Settle Clims The Insurer shll hve the right to tke over n onut in the nme of the Insure Person ny Clim t ny time n n settle ny Clim on ehlf of the Insure Person on suh terms s the Insurer eems pproprite. At its solute isretion, the Insurer my eie to settle the Clim y pying the Insure Person the mount of mges lime y, or ginst, the Insure Person inste of inemnifying the Insure Person for Legl Expenses or Awrs of Compenstion, Dt Protetion Compenstion Awrs or Witness Attenne Allowne. Where the Insurer exerises this isretion the Insurer will ese to e lile for ny further Legl Expenses, Awrs of Compenstion, Dt Protetion Compenstion Awrs or Witness Attenne Allowne in respet of tht Clim. 6 Insolveny of the Insure Person During the ourse of ny Clim to whih the Insurer hs given support, the Insurer hs the right to withrw tht support immeitely if the Insure Person; eomes insolvent (or ommits n t of insolveny or nkrupty), or e f enters into liquition, or mkes n rrngement with reitors, or enters into ee of rrngement, or hs prt or ll of their ffirs ssets or property ple in the re or ontrol of reeiver or liquitor, or hs n ministrtion orer over their ffirs ssets or property. 7 Appel Proeure If following legl proeeings to whih the Insurer hs given Consent, the Insure Person wishes to ppel ginst the jugment or eision of ourt or triunl, the grouns of suh ppel must e sumitte to the Insurer in goo time n y seure mens so tht the Insurer my onsier whether there re Resonle Prospets of Stisftory Outome in respet of the ppel n if so whether to Consent to suh further tion. The Insurer will inform the Insure Person n the Legl Representtive of their eision. If the Insurer requires it, the Insure Person will o-operte fully in n ppel ginst the jugment or eision of ourt or triunl. 8 Legl Proeeings. Freeom to hoose Legl Representtive For ny Clim where the Insurer my e lile to py Awrs of Compenstion uner Event 1 Employment Disputes n Awrs of Compenstion, or Dt Protetion Compenstion Awrs uner Event 5 Dt Protetion, the Insurer will hoose the Legl Representtive. For ny other Clim the Insurer will hoose the Legl Representtive t ny time efore the Insurer grees tht legl proeeings nee to e issue or efene. The Insure Person n only hoose Legl Representtive if the Insurer grees tht legl proeeings nee to e issue or efene 43

Complete Contrtor Poliy Woring Setion 6 Commeril Legl Expenses (ontinue) or if onflit of interest rises whih mens tht the Legl Representtive originlly hosen y the Insurer nnot t for the Insure Person. The Insure Person must sen the nme n ress of the Insure Person s hosen Legl Representtive to the Insurer. Other thn where suh onflit of interest hs risen, if the Insurer grees to ppoint Legl Representtive tht the Insure Person hooses, the Insure Person must py 500 Exess. The Insure Person must py the Exess t the strt of the Clim. If the Insurer grees to ppoint Legl Representtive tht the Insure Person hooses, tht Legl Representtive will e ppointe on the sme terms s the Insurer woul hve ppointe its' hosen Legl Representtive. In respet of ny Clim for whih the Insurer hs grnte Consent, the Legl Representtive will e ppointe in the nme of n on ehlf of the Insure Person to t for the Insure Person in orne with the terms of this Setion. In greeing to the seletion of Legl Representtive the Insure Person will omply with Clims Proess Conition 4. The Insurer s liility to provie Cover uner this Setion will ese immeitely with no liility to inemnify the Insure Person in ny respet unless in its solute isretion the Insurer grees to nother Legl Representtive eing ppointe to ontinue ting for the Insure Person uner the terms of this Setion, if: i ue to ny unresonle onut or filure to t y the Insure Person, the Legl Representtive resonly refuses to ontinue ting for the Insure Person, or ii the Insure Person unresonly ismisses the Legl Representtive without the Insurer s greement. Dislosures to the Legl Representtive The Insure Person must give the Legl Representtive ll possile help n informtion inluing omplete n truthful ount of the fts of the se n ll relevnt oumentry or other eviene in the Insure Person s possession. The Insure Person must provie, otin or exeute ll ouments s neessry n tten meetings or onferenes s requeste. Aess to Informtion The Insurer is entitle to reeive from the Legl Representtive ny informtion, oument or vie in onnetion with ny Clim, even if privilege. On request the Insure Person will give to the Legl Representtive ny instrutions neessry to seure the require ess. e Wrrnties of the Insure Person n Legl Representtive in reltion to ny Clim i The Insure Person n on their ehlf the Legl Representtive wrrnt tht they will immeitely notify the Insurer in writing of ny informtion s soon s it is reeive whih my ffet the Insurer s opinion on the Resonle Prospets of Stisftory Outome of the Clim. ii The Insure Person n on their ehlf the Legl Representtive wrrnt tht the Insurer will e informe in writing s soon s ny offer to settle Clim is reeive or me or n offer of pyment into Court is reeive. The Insure Person or the Legl Representtive wrrnt tht uner no irumstnes will they enter into ny greement to settle without the Insurer s prior written onsent. If, in the Insurer s opinion, the Insure Person unresonly withhols greement to settle, Cover uner this Setion will ese immeitely. The Insurer grees to inemnify the Insure Person in respet of Legl Expenses inurre up to the te when Cover ese. iii The Insure Person n on their ehlf the Legl Representtive wrrnt they will report in writing the result of the Clim to the Insurer when it is finishe. Pyment of Legl Representtive s Bills The Insurer shll hve the right to settle Legl Expenses t the onlusion of Clim. The Insure Person shoul forwr ll ills whih re reeive from the Legl Representtive relting to the Clim to the Insurer without ely following onlusion of the Clim. If the Insurer requires, the Insure Person must sk the Legl Representtive to sumit the ill of osts for uit or ssessment y the pproprite ourt or, t the isretion of the Insurer, lw osts rughtsmn or other ompetent prty. The Insurer will only py Legl Expenses tht re etermine s resonle y the uit or ssessment. The Insure Person is responsile for the pyment of ll Legl Expenses. The Insurer my settle these iret if requeste y the Insure Person to o so. The pyment of some Legl Expenses oes not imply tht ll Legl Expenses will e pi. The Insure Person must not, without the Insurer s written onsent, enter into ny greement with the Legl Representtive s to the sis of lultion of Legl Expenses. 44

Complete Contrtor Poliy Woring f g h i Instrution of Counsel If, uring the ourse of ny Clim (other thn where Clims Proess Conition 2 pplies), the Insure Person or the Legl Representtive onsiers it neessry n wishes to instrut ounsel, ounsel s nme must first e sumitte to the Insurer for Consent to the propose instrution. Conut of the Clim It is onition preeent to the Insurer s ontinuing liility to provie Cover uner this Setion tht the Insure Person: i oes not unresonly withrw from Clim or ismiss the Legl Representtive without the Insurer s greement; ii o-opertes fully with the Legl Representtive or the Insurer in the onut of the Clim; iii follows the vie of the Legl Representtive. If the Insure Person fils to omply with either i, ii or iii then the Insurer s liility to provie Cover uner this Setion will ese immeitely n the Insurer will not e responsile for the pyment of Legl Expenses n will e entitle to reimursement of ll Legl Expenses lrey inurre in respet of the Clim. Awr of Costs Where the Insure Person is wre osts, the Insure Person n the Legl Representtive must tke every resonle step to reover Legl Expenses whih woul e or hve een sujet to pyment uner this Setion. All suh reoveries will e tken into ount when lulting the Insurer s liility uner this Setion. Alterntive Dispute Resolution When, in the Insurer s opinion, lterntive ispute resolution woul pper to provie more effetive metho of resolving ny Clim, the Insurer my request tht the Insure Person grees to sumit suh Clim to professionl ispute resolution servie, to e selete y the Insurer. In onsiering lterntive ispute resolution the Insure Person will omply with Clims Proess Conition 4 n will not therefore unresonly withhol Consent. Communitions All noties n ommunitions from the Insurer or the Insurer s representtives to the Insure Person will e eeme to hve een uly sent if sent to the Insure Person s lst known ress; or, in reltion to ny mtters rising out of ny Clim, if sent to the Legl Representtive. All noties n ommunition from the Insure Person to the Insurer shoul e sent to: Allinz Legl Protetion Rewoo House Brotherswoo Court Gret Prk Ro Brley Stoke Bristol BS32 4QW Unite Kingom Telephone: 0870 243 4340 Emil: leglprotetion@llinz.o.uk 45

Complete Contrtor Poliy Woring Setion 6 Commeril Legl Expenses (ontinue) Aitionl Servies In ition to the inemnity provie y the Insurer in respet of Events 1 to 12, two further servies re ville to the Insure uner this Setion. The Insure my ess these servies t ny time uring the Perio of Insurne, lthough the Insurer will not e lile to provie ny inemnity in respet of legl osts or other expenses inurre y the Insure s result of using either servie. 1 Commeril Litigtor Servie - Contrt Disputes ove the Smll Clims Limit in Gret Britin If the Insure is involve in ispute rising out of Contrt (inluing ispute over professionl negligene in the elivery of servies to the Insure) n wishes to pursue legl tion ginst nother prty to tht Contrt, the Insure hs ess to free legl vie to etermine the merits of tking tht tion. This servie oes not pply to isputes rising out of, or relting to: Liel or slner Det reovery Employment ontrts, prtnerships or shreholings Property (inluing intelletul property) Txtion, inheritne or trusts Insurne ontrts To mke use of this servie, the Insure shoul ownlo Litigtion Assessment Form from: www.llinzleglprotetion.o.uk/home/intermeiries/ ommeril-litigtor.html This form shoul e omplete y the Insure n sent to the Insurer t: The Unerwriting Deprtment Allinz Legl Protetion Rewoo House Brotherswoo Court Gret Prk Ro Brley Stoke Bristol BS32 4QW Telephone: 0870 243 4340 Fx: 01454 201 505 Emil: ommeril-litigtor@llinz.o.uk If the Insure is unle to ownlo Litigtion Assessment Form, the Insure shoul ontt the Insurer using the etils ove. The Litigtion Assessment Form will provie the Insure with hoie of Legl Representtive to vise on the merits of tking legl tion where the ispute will e pursue in Engln or Wles. If no hoie is me y the Insure, or for ll isputes tht will e pursue in Sotln, the Insurer will hoose the Legl Representtive. The Legl Representtive will provie the Insure with written ssessment on the merits of pursuing the legl tion. There will e no ost to the Insure for this written ssessment provie tht: the legl tion flls outsie of the jurisition of the Smll Clims Court n will e eie y ourt within Gret Britin; n the ssessment requires no more thn 7 hours of work from the Legl Representtive; n the Legl Representtive oes not nee to inur ny expenses or other isursements in orer to proue the ssessment; n the Insure hs not previously reeive legl opinion or tken ny legl tion in respet of the ispute. If the Legl Representtive nees to rry out more thn 7 hours of work or nees to inur expenses or other isursements in orer to provie the Insure with the ssessment, these osts will e pyle y the Insure to the Legl Representtive. The osts will e onfirme to, n gree with, the Insure efore the Legl Representtive ontinues with the proution of the ssessment. If the Legl Representtive n the Insurer gree tht the Insure hs resonle prospets of suessfully pursuing the ispute, the Insure will e given n option to enter into legl tion ginst the other prty to the Contrt. This legl tion will e onute uner seprte greement etween the Insure n the Legl Representtive In onjuntion with tht seprte greement, the Insure will e offere Commeril Litigtor After the Event Insurne Poliy to over: isursements tht the Insure inurs in pursuing the ispute; n legl osts n expenses inurre y the Insure s opponent if they re wre ginst the Insure in the event tht the Insure is unsuessful in the legl tion. A opy of the Commeril Litigtor After the Event poliy woring n poliy summry re ville from the Insurer on request, n will lso e provie to the Insure if the Insure tkes out the 46

Complete Contrtor Poliy Woring over. 2 Unispute Det Reovery Servie The Insure hs ess to the Det Reovery Servie if the Insure hs n Unispute Det of t lest 250 n the legl tion to reover tht Unispute Det n e rought within Gret Britin. The Unispute Det shoul e referre to the Det Reovery Servie s soon s possile fter the mount eomes ue n pyle. The Det Reovery Servie is provie y n orgnistion tht speilises in the reovery of ets. The orgnistion proviing the Det Reovery Servie is not prt of the Insurer n oes not t on the Insurer s ehlf. For Unispute Dets tht re pursue in Engln or Wles, tht orgnistion will e DWF LLP, of 5 St Pul s Squre, Ol Hll Street, Liverpool L3 9AE. For Unispute Dets tht re pursue in Sotln, the servie will e provie y HBJ Clim Solutions soliitors, of 247 West George Street, Glsgow, Lnrkshire G2 4QE. When the Insure nees to ontt the Det Reovery Servie the Insure shoul ll the numer elow, whih reltes to the ountry in whih the Unispute Det will e pursue. The Insure shoul quote Allinz Unispute Det Reovery Servie n the Mster Poliy referene ontine within the Poliy Sheule. e pyle y the Insure n will e onfirme y the Det Reovery Servie to the Insure t the pproprite time. This Setion oes not over the fee hrge y the Det Reovery Servie or ny expenses inurre in reovering the Unispute Det. If, in the view of the Det Reovery Servie n the Insurer, the other prty to the Contrt sumits vile efene in respet of the Unispute Det: the Insure must report the mtter s Clim uner Event 12 Contrt Disputes Below Smll Clims Limit if the mount in ispute is less thn or equl to the Smll Clims Limit. The pursuit of the et will then e hnle in orne with the terms n onitions of this Setion; or if the mount in ispute is ove the Smll Clims Limit, the Insure will hve the option of using the Aitionl Servie 1 esrie ove to otin n ssessment on whether Resonle Prospets of Stisftory Outome exist to pursue legl tion ginst the other prty to the Contrt. Dets pursue in Engln or Wles: 0151 907 3141 Dets pursue in Sotln: 0141 249 6095 The telephone lines re open etween the hours of 9.00m n 5.00pm, Mony to Friy (exluing Puli Holiys). Use of the Det Reovery Servie y the Insure my e sujet to fee eing pyle y the Insure to the Det Reovery Servie. The fee will e perentge of the Unispute Det. The level of the fee, n the time t whih it will e pyle y the Insure, will e onfirme to the Insure y the Det Reovery Servie when the Det Reovery Servie is initilly ontte. There my e itionl expenses tht re neessrily inurre y the Det Reovery Servie to reover the Unispute Det. These will lso 47

Complete Contrtor Poliy Woring Aitionl Benefits 24 Hour Lwphone Legl Avie Helpline Lwphone provies vie on ny ommeril legl mtter 24 hours y, 365 ys yer. The vie the Insure reeives from Lwphone will e in orne with the lws of Engln n Wles, Sotln n Northern Ireln. Lwphone oes not provie vie on the lws of ny other ountry or jurisition. The Insurer my reor the lls for the Insure n Insurer s mutul protetion n the Insurer s trining purposes. Lwphone: 0844 873 8509 The Insure shoul quote the Mster Poliy referene ontine within the Poliy Sheule n provie rief summry of the prolem. The etils will e psse to n viser who will return the Insure s ll. All res of lw relevnt to the Business of the Insure re overe. This vie is ville to the Insure uring the urreny of the Poliy, lthough no liility n e epte for inility to provie vie ue to rekown or filure of the telephone network. This telephone helpline is provie y Allinz Legl Protetion, prt of Allinz Insurne pl. Tx Avie Helpline This helpline provies vie on ny usiness tx mtter ffeting the Insure n is ville etween the hours of 9.00m n 5.00pm, Mony to Friy (exluing Puli Holiys). Avie provie y the helpline will e in orne with the txtion lws of Engln n Wles, Sotln n Northern Ireln. The Tx Avie Helpline nnot provie vie on the lws of ny other ountry or jurisition. Plese note tht this is telephone servie, whih is intene for generl enquiries. It oes not provie vie on ny mtter relting to tx plnning n Allinz nnot engge in oumenttion review or enter into ny written orresponene with the Insure, exept where the viser onsiers it pproprite to forwr etils of written proeures to the Insure y emil. Avie n guine will e in orne with the visers unerstning of the irumstnes s esrie y the Insure. This servie shoul not e use s sustitute for forml onsulttion with the Insure s ountnt or other tx viser, who n review the Insure s prtiulr irumstnes in more epth thn is intene y this servie. When ontting the Tx Avie Helpline, the Insure shoul quote the Mster Poliy referene ontine within the Poliy Sheule. Tx Helpline: 0844 873 0244 The Insure n ontt the helpline s often s require uring the term of the Poliy, lthough in the event tht the telephone line is not ville for tehnil resons no liility n e epte for inility to provie vie. This helpline is provie y Aey Tx Protetion tring ivision of Aey Tx n Consultny Servies Lt of One Mithell Court, Cstle Moun Wy, Rugy CV23 0UY. Allinz Legl Online As prt of the Commeril Legl Expenses fility the Insure hs ess to extensive online Business support vi Allinz Legl Online. This fility provies tools n servies tht will help the Insure to proue legl pperwork in onnetion with the Insure s Business, for exmple, espoke ontrts of employment. In ition it provies the Insure with up to te guine n vie on mny legl issues, suh s, employment legl proeures, mnging the Insure s Business n et reovery. The legl pperwork n guine will lwys e in orne with the lws of Engln n Wles, Sotln n Northern Ireln. The Insure n ess Allinz Legl Online t: www.llinzlegl.o.uk A registrtion numer is require to enter the we site n this is shown within the Commeril Legl Expenses etils on the Poliy Sheule. If the Insure hs ny prolems relting to Allinz Legl Online plese ontt the Allinz Legl Online ustomer servies tem on 0845 644 8966 or e-mil them t support@llinzlegl.o.uk Allinz Legl Online is provie y Epoq Legl Lt of Milesex House, 29-45 High Street, Egwre, Milesex HA8 7UU. Business Link Running usiness mens fing onstnt strem of hllenges n opportunities often with limite resoures. Business Link is highly ommitte, ntionl network of inepenent lol usiness vie entres. Whether you re looking for help with mngement tehniques, finne, export skills, esign, tehnology, mrketing or informtion tehnology, one phone ll will put you in touh with your lol Business Link n its highly experiene tem with hnson experiene. To ontt Business Link telephone 0845 600 9006. 48

Complete Contrtor Poliy Woring Risk Diretor Risk Diretor is Allinz s wr winning online risk mngement servie tht is FREE for Allinz poliyholers. At the lik of utton you n ess effetive risk mngement guine n informtion n lso ess truste n imprtil risk mngement prout n servie resoures. Try it now vi www.riskiretor.o.uk 49

Complete Contrtor Poliy Woring How to Mke Clim If you nee to lim, your eite lims hnler will help n guie you through the proess. You n notify us of lim y: Telephone: 08448 710 789 Post: Clims Division Allinz Insurne pl 500 Aveury Boulevr Milton Keynes MK9 2XX Our lims helpline is ville 24 hours y, 7 ys week. If you hve Commeril Legl Expenses lim you n notify Allinz Legl Protetion y ontting the Lwphone Legl Avie Helpline on 0844 873 8509 quoting the Mster Poliy referene shown in the poliy sheule. Post: The Clims Deprtment Allinz Legl Protetion Rewoo House Brotherswoo Court Gret Prk Ro Brley Stoke Bristol BS32 4QW Lines re open 24 hours y, 365 ys yer. Plese try to notify us of lim promptly fter the inient, or immeitely in the event of serious ient, loss or mge. Clims Detils Plese hve the following informtion ville, where possile, when mking lim: Property Clims Your ontt informtion, inluing ress n telephone numers Poliy type n poliy numer Dte the loss ourre Lotion n esription of the loss Injury Clims Your ontt informtion, inluing ress n telephone numers Poliy type n poliy numer Dte the loss ourre Nme n ress of injure prty Desription of the injury, where n how it ourre Commeril Legl Expenses Clims Your ontt informtion, inluing ress n telephone numers Mster Poliy referene shown in the poliy sheule Brief summry of the prolem Wht to expet when mking lim We im to el with your lim promptly n firly. We will upte you on the progress of your lim y emil, mil or y phone whihever you prefer. Depening on the type of lim n vlue involve, we my: forwr lim form for you to omplete n sign sk you for itionl informtion ppoint n inepenent Loss Ajuster to el with your lim rrnge for memer of our lims tem to visit you Commeril Legl Expenses In ition to the ove, the following will pply to enle Allinz Legl Protetion to el with lim uner the Commeril Legl Expenses setion: We will forwr you lim form for you to omplete n sign We will require opy of your poliy sheule We will require pyment of ny exess speifie within the exlusions uner events 1 to 12 or where we hve gree to ppoint legl representtive hosen y you - plese note we will not ppoint legl representtive until the exess pyment ue in respet of lim hs een pi 50

Complete Contrtor Poliy Woring Legl expenses re only overe from the time we hve epte the lim n ppointe the legl representtive in your nme n on your ehlf. You must not ppoint legl representtive. If you hve lrey seen soliitor efore we hve epte your lim, we will not py ny fees or other expenses tht you hve inurre Other thn where we inur legl expenses in orer to vlite lim, if we eline lim following reeipt of the lim form, poliy sheule n exess pyment, we will refun the exess pyment Where we neessrily inur unreoverle legl expenses uring the lim vlition proess, or you re unle to reover legl expenses t the en of the lim, if the unreovere legl expenses inurre re less thn the exess pyment reeive, we will refun you the ifferene etween the two figures. Helpful vie when mking lim Your insurne poliy omes with numer of gret fetures to help keep your usiness up n running. These itionl fetures o not ome with stnr poliies n hve een esigne espeilly for smll usinesses in min. Keeping your usiness up n running In the event of n emergeny, we will sen out repirer to mke your premises seure within 24 hours even uring the night You shoul omply with the requirements for lim notifition ontine in the poliy onitions, whih etil your oligtions n our rights in the event of lim. If you re in ny out plese ontt us. Employees We unerstn how importnt your employees re to your usiness. This is why, in the unfortunte event of serious injury to your employees, we provie meilly trine rehilittion tem to work with your employees, getting them k to helth n k to work s quikly s possile. If n employee or someone else is holing you responsile for injury to them or for mge to their property then you shoul tell us promptly n sen ny letters, writs or summons to us unnswere. Plese ensure tht your responsiility for injury to someone or mge to their property is not isusse with or mitte to nyone else. Following lim After lim, it my e helpful for you to review your insurne risks n how well your usiness is mnging them. Risk Diretor llows you to ientify n mnge the risks tht re most pertinent to your usiness. The rnge of tools n templtes ville online mke risk mngement quik n esy. Risk Diretor n e esse t www.riskiretor.o.uk. You shoul rry out ny emergeny tion to protet your property from further mge (e.g. turning off min servies) or to mke it wterproof or seure. If emergeny work hs een omplete on your own uthority plese ontt us efore permnent repirs egin We will e plese to provie vie n ssistne to fin the right person or orgnistion to help you. We hve ntionwie network of qulity tre people on ll to get you up n running. For lrge inients, we will usully ssign Loss Ajuster who will mnge your repirs n hs the uthority to uthorise repirs up to 50,000 Plese o not ispose of mge items efore we hve h the opportunity to inspet them You shoul report to the Polie ny loss or mge from theft, rson, mliious mge, or riot or ivil ommotion n otin rime referene numer from them If you o inur ny hrges, plese retin the ills s these my form prt of your lim 51

Complete Contrtor Poliy Woring Complints Proeure We im to get it right, first time every time. If we mke mistke we will try to put it right promptly. We will lwys onfirm to you reeipt of your omplint within 5 working ys n o our est to resolve it within 4 weeks. If we nnot we will let you know when n nswer my e expete. If we hve not resolve the sitution within 8 weeks we will provie you with informtion out the Finnil Omusmn Servie. If you hve omplint out nything other thn the sle of the Poliy plese ontt our Customer Stisftion Mnger t: Customer Stisftion Mnger Allinz Insurne pl 57 Lyme Guilfor Surrey GU1 1DB Telephone: 01483 552438 Fx numer: 01483 790538 Emil: sm@llinz.o.uk Using our omplints proeure or referrl to the Finnil Omusmn Servie oes not ffet your legl rights. 52

Complete Contrtor Poliy Woring Dt Protetion At Allinz Insurne pl together with other ompnies within the Allinz SE group of ompnies ( Allinz ) my use the personl n usiness etils you hve provie or whih re supplie y thir prties inluing ny etils of iretors, offiers, prtners n employees (whose onsent you must otin) to: provie you with quottion, el with the ssoite ministrtion of your poliy n to hnle lims; serh reit referene, reit soring n fru genies who my keep reor of the serh; shre with other insurne orgnistions to help offset risks, minister your poliy, for sttistil nlysis, n to hnle lims n prevent fru; support the evelopment of our usiness y inluing your etils in ustomer surveys, for mrket reserh n usiness reviews whih my e rrie out y thir prties ting on our ehlf. Allinz my nee to ollet n proess t relting to iniviuls who my enefit from the poliy ( Insure Persons ), whih uner the Dt Protetion At is efine s sensitive (suh s meil history of Insure Persons) for the purpose of evluting the risk n/or ministering lims whih my our. You must ensure tht you hve expliit verl or written onsent from the Insure Persons to suh informtion eing proesse y Allinz n tht this ft is me known to the Insure Persons. The Dtse n the t store on it my e esse n use y the Climnts, their ppointe representtives, insurers with potentil liility for UK ommeril lines employers liility insurne over n ny other persons or entities permitte y lw. The Dtse will e mnge y the ELTO n further informtion n e foun on the ELTO wesite www.elto.org.uk Telephone lls my e reore for our mutul protetion, trining n monitoring purposes. Uner the Dt Protetion At 1998 iniviuls re entitle to request opy of ll the personl informtion Allinz Insurne pl hols out them. Plese ontt the Customer Stisftion Mnger, Allinz Insurne pl, 57 Lyme, Guilfor, Surrey, GU1 1DB. Personl etils my e trnsferre to ountries outsie the EEA. They will t ll times e hel seurely n hnle with the utmost re in orne with ll priniples of English lw. By pplying for n/or entering into this insurne poliy you will e eeme to speifilly onsent to the use of your t n your insurne poliy t in this wy n for these purposes n tht your iretors, offiers, prtners, n employees hve onsente to our using their etils in this wy. If your poliy provies Employers Liility over informtion relting to your insurne poliy will e provie to the Employers Liility Tring Offie (the ELTO ) n e to n eletroni tse, (the Dtse ) in formt set out y the Employer s Liility Insurne: Dislosure y Insurers Instrument 2010. The Dtse ssists iniviul onsumer limnts who hve suffere n employment relte injury or isese rising out of their ourse of employment in the UK whilst working for employers rrying on, or who rrie on, usiness in the UK n s result re overe y the employers liility insurne of their employers, (the Climnts ): I. to ientify whih insurer (or insurers) ws (or were) proviing employers liility over uring the relevnt perios of employment; n II. to ientify the relevnt employers liility insurne poliies. 53

www.llinz.o.uk Allinz Insurne pl. Registere in Engln numer 84638. Registere offie: 57 Lyme, Guilfor, Surrey, GU1 1DB, Unite Kingom. Allinz Insurne pl is memer of the Assoition of British Insurers. Allinz Insurne pl is uthorise y the Pruentil Regultion Authority n regulte y the Finnil Conut Authority n the Pruentil Regultion Authority. Finnil Servies Register numer 121849. ACOM213/6 04.14