Complete Property Owner

Allinz Insurne pl Complete Property Owner Poliy Woring

Complete Property Owners Complete Property Owner 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 8 The Cover Provie Setion 1 Property Dmge 10 Setion 2 Loss of Rent 19 Setion 3 Property Owners Liility 23 Setion 4 Employers Liility 31 Setion 5 Personl Aient 35 Setion 6 Commeril Legl Expenses 38 Aitionl Benefits 54 How to Mke Clim 56 Complints Proeure 58 Dt Protetion 59 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 Property Owner Poliy Woring Introution Your Complete Property Owner 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 16 on pge 7 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 Property Owner 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 Property Owner 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. All Other Contents Any ontents tht re not Contents of Common Prts, inluing ees, ouments, mnusripts n usiness ooks, ut only for the ost of the mterils n leril lour expene in reprouing suh reors omputer systems reors, ut only for the ost of the mterils n of leril lour n omputer time expene in reprouing suh reors, for n mount not exeeing 10,000 in totl n so fr s they re not otherwise insure prtners, iretors n employees personl effets of every esription (other thn motor vehiles) whilst t the Premises, for n mount not exeeing 500 for ny one person. Builing/Builings The uilings t the Premises eing, unless more speifilly esrie, uilt minly of rik, stone, onrete or other nonomustile mterils, inluing: lnlor s fixtures n fittings (inluing ommunl television n rio reeiving erils, stellite ishes n relte fittings on or in resientil Premises), fixe glss, fixe snitrywre n wlls, gtes n fenes in, on or pertining to the uilings telephone, gs, wter n eletri instruments, meters, piping, ling n the like n their essories in, on or pertining to the uilings inluing suh property in joining yrs or rowys or unergroun t the Premises n extening to the puli mins fuel tnks n their nillry equipment, pipework n the like t the Premises smll outsie uilings, nnexes, gngwys, onvenienes n other smll strutures t the Premises ros, r prks, yrs, pve res, hr-surfe res, pvements n footpths t the Premises. Business The usiness esription stte in the Sheule. Contents Contents of Common Prts n All Other Contents Contents of Common Prts Fitte rpets, furnishings n other ontents in reeption n storge res n other ommunl prts of the Builings inluing the ontents of fuel tnks t the Premises portle ommunl property in the open grouns of n use in onnetion with the Builings. Exess The first prt of eh n every lim, for whih the Insure is responsile Insure The insure nme n shown in the Sheule Insurer Allinz Insurne pl Perio of Insurne The perio from the Effetive Dte to the Renewl Dte s shown in the Sheule Poliy The oument esrie in the Introution Premises Aress s stte in the Sheule Property/Property Insure Builings, Contents of Common Prts, All Other Contents n other Property elonging to the Insure or for whih the Insure is responsile, s shown n/or esrie in the Sheule. The Insurer grees to ept the heing uner whih ny Property or other item hs een entere in the ooks of the Insure. Resient The owner, lessee or tennt of ny self ontine unit of resientil ommotion forming prt of the Builing n/or memers of their househol Sheule The prt of this Poliy tht etils informtion forming the sis of this ontrt n tht shows the Setions of this Poliy selete Setion/Setions The 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 The totl mount pyle y the Insurer uner ny Setion Unoupie Any Builing or prt of ny Builing whih is unfurnishe, untennte or no longer in tive use. 3

Complete Property Owner Poliy Woring Poliy Conitions Applile unless stte to the ontrry uner the onitions in the Setions 1 Poliy Voile This Poliy shll e voile in the event of misrepresenttion, misesription or non-islosure of ny mteril prtiulr. 2 Resonle Preutions The Insure shll tke ll resonle re e to prevent ient 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 Property Insure use in onnetion with 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 Clims Ation y the Insure The Insure shll in the event of ny injury, loss, estrution, mge or onsequentil loss s result of whih lim is or my e me uner this Poliy or ny Setion of it, n gin upon reeipt y the Insure in writing of ny notie of ny lims or legl proeeing notify the Insurer within 30 ys, or 7 ys in the se of loss, estrution, mge or onsequentil loss y 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, loss, estrution, mge or onsequentil loss whih my form the sujet of lim uner this Poliy notify the polie s soon s it eomes evient tht ny loss, estrution, mge hs een use y theft or mliious persons pss immeitely, n unknowlege, ny letter of lim to the Insurer f g h i j retin unltere n unrepire nything in ny wy onnete with the injury, loss, estrution, mge 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 insurne 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 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 ontrol of ll negotitions n proeeings whih my rise in respet of ny lims n the settlement thereof n o-operte fully with the Insurer for tht purpose No lim uner this Poliy shll e pyle n ny pyment on ount of lim lrey me shll e repi to the Insurer, if the terms of this Poliy Conition re not omplie with. 4 Clims The Rights of the Insurer In respet of loss, estrution or mge for whih lim is me, the Insurer n ny person uthorise y the Insurer my without inurring ny liility or iminishing ny of the Insure s rights in respet of the over uner this Poliy, enter premises where suh loss, estrution or mge 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 purpose n in ny resonle mnner. No Property my e none to the Insurer, whether tken possession of y the Insurer or not. The Insurer will not py for ny lim unless the terms of this onition hve een omplie with. e rry out n permit to e tken ny tion whih my e resonly prtile to prevent further loss, estrution, mge or onsequentil loss 4

Complete Property Owner Poliy Woring 5 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. 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. Insurer s Cnelltion Rights The Insurer 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. If the premium for the Poliy is pi y instlments, plese refer to the instlment greement for etils of the nelltion proeure tht will pply. In the event of nelltion the Insure must return to the Insurer the urrent Certifite(s) of Employers Liility Insurne 6 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. 7 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. The Insurer grees to wive ny suh rights to whih the Insurer might eome entitle y surogtion ginst ny ompny stning in reltion of prent to susiiry (or susiiry to prent) to the Insure or ginst ny ompny whih is susiiry of prent ompny of whih the Insure re themselves susiiry, in eh se within the mening of the Compnies At or Compnies (Northern Ireln) Orer urrent t the time of loss, estrution or mge. 8 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 this ritrtion in orne with this onition, the mking of n wr shll e onition preeent to ny right of tion ginst the Insurer. 9 Lw Applile n Jurisition Unless gree otherwise y the Insurer: 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. 10 Rights of Thir 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. 5

Complete Property Owner Poliy Woring Poliy Conitions (ontinue) 11 Non Invlition This Poliy shll not e invlite y ny t or omission or y ny ltertion or neglet unknown to or eyon the ontrol of the Insure y whih the risk of loss, estrution or mge is inrese, provie tht the Insure shll give notie to the Insurer (n py n itionl premium if require) immeitely they eome wre of suh t, omission, ltertion or neglet workmen on the Premises rrying out repirs, generl mintenne work or minor struturl or other ltertions of ontrt vlue not exeeing 25,000. Altertions of ontrt vlue ove this mount shoul e referre to the Insurer for eptne prior to suh work ommening. 12 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. 13 Unoupie Builings When ny Builing or portion thereof eomes Unoupie for perio exeeing 30 onseutive ys the Insure must give immeite notie of suh unoupny to the Insurer n lso when suh Unoupie Builings or portion thereof re gin oupie Events 7, 8, 10, 11 n 13 speifie in Setion 1 Property Dmge n Setion 2 Loss of Rent re not insure the following tion must e implemente y the Insure i the min servies re turne off n the wter system is rine whenever the Builings involve or si portion thereof re vte, exept A eletriity when neee to mintin ny fire or intruer lrm system in opertion, or, B wter supply n heting system where sprinkler system is in opertion ii iii iv the Builings re inspete thoroughly internlly n externlly t lest weekly y the Insure or responsile person ppointe y the Insure n reor is mintine of suh inspetions ny internl or externl umultions of omustile mterils e remove uring suh inspetions the Builings re seure ginst unlwful entry y losing ll oors n winows n setting ll seurity loking mehnisms, setting ny lrm system n setting ny other protetive evie in opertion. 14 Survey n Risk Improvement Conition If this Poliy hs een issue or renewe sujet to the Insurer ompleting survey or surveys of the Premises or of ny other lotion(s) s speifie y the Insurer, then pening ompletion of suh survey(s) Cover is provie y the Insurer on the terms, onitions, provisions, exlusions n limits s speifie in the Poliy n in the Setions of the Poliy. In the event tht survey shoul show tht risk or ny prt of it is not stisftory in the opinion of the Insurer, then the Insurer reserves the right to either lter the terms n onitions of the Cover or to suspen or withrw Cover from the te Cover ws inepte or renewe or for ny other perio speifie y the Insurer. It is onition of the Insurer tht the Insure must omply with ll survey risk improvements require y the Insurer within ompletion time sles speifie y the Insurer. In the event tht risk improvement is not omplete or risk improvement proeures re not introue within the ompletion time sles speifie y the Insurer, then the Insurer reserves the right to either ontinue Cover sujet to ltertion of the terms n onitions of suh Cover, or to suspen or withrw Cover effetive A B C from the te Cover ws inepte or renewe or from the expiry of ny time perio speifie y the Insurer for ompletion/introution of the require survey risk improvements, or for ny other perio speifie y the Insurer If the terms or onitions of Cover re mene y the Insurer, then the Insure will hve fourteen (14) ys to ept or rejet the revise sis of Cover. 6

Complete Property Owner Poliy Woring If the Insure elet to rejet the revise sis of Cover, then the Insure my e entitle to refun of premium (sujet to n ministrtion hrge) provie tht no lim hs een me uring the urrent Perio of Insurne. If the Insurer exerises the right to suspen or withrw Cover, then the Insure my e entitle to refun of premium in respet of suh perio tht Cover is suspene or for ny perio eyon the effetive te from whih Cover is withrwn, provie tht no lim hs een me uring the urrent Perio of Insurne. Exept in so fr s they re expressly vrie y this onition, ll of the terms, onitions, provisions, exlusions n limits of the Poliy n of the Setions of the Poliy shll ontinue to pply until the Insurer vises otherwise. To the extent tht this onition onflits with ny other nelltion onition, this onition shll previl. 15 Other Insurnes If t the time of ny loss, estrution or mge there is ny other insurne overing suh inients, the Insurer will only py their rtele proportion of suh loss. 16 Chnge of Risk This insurne shll ese to e in fore if there is ny ltertion in the Business or t the Premises whih inreses the risk of injury or Dmge, unless suh ltertion is gree in writing y the Insurer. 7

Complete Property Owner Poliy Woring Poliy Exlusions Applile unless stte to the ontrry uner Exlusions in the Setions This Poliy oes not over 1 Territoril Limits Loss, estrution, mge, injury or liility rising out of ny ourrene outsie Gret Britin, Northern Ireln, the Chnnel Islns or the Isle of Mn, exept where stte to the ontrry. 2 Wr (not pplile to the Employers Liility Setion) 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. 3 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 4 - Employers Liility other thn in respet of i ii the liility of ny prinipl 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 3 - Property Owners Liility Setion 4 - Employers Liility n Setion 5 - Personl Aient. 4 Soni Bngs Loss, estrution or mge iretly osione y pressure wves use y irrft n other eril evies trvelling t soni or supersoni spees. 5 Northern Ireln Loss, estrution or mge or 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 loss, estrution, mge or ny onsequentil loss y fire or explosion) strikers, loke out workers, persons tking prt in lour isturnes or mliious persons. 6 Chnges in Wter Tle Loss, estrution or mge ttriutle solely to hnges in the wter tle level. 7 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 loss or estrution or mge 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 loss or estrution or mge 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 loss or estrution of or mge to ny property other thn Computer Equipment where it rises iretly or iniretly out of loss or estrution of or mge to ny Computer Equipment of the type esrie in prgrph of this Exlusion unless, in respet of loss or mge 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 8

Complete Property Owner Poliy Woring 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 loss, estrution or mge 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 loss or estrution or mge 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. 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. 8 Terrorism in respet of Engln, Wles n Sotln ut not the territoril ses jent thereto s efine in the Territoril Se At 1987: 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. 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. 9

Complete Property Owner Poliy Woring Setion 1 Property Dmge Definitions Dmge Loss or estrution of or mge to Property Insure. Premises The Builings t the ress or resses stte in the Sheule, inluing their grouns, ll within the ounries for whih the Insure re responsile. Cover The Insurer will py the Insure for Dmge to Property Insure t the Premises esrie in the Sheule y ny of the Events opertive uner this Setion n not otherwise exlue ourring uring the perio of insurne. Events 1 Fire, exluing Dmge use y explosion resulting from fire y erthquke or suterrnen fire y its own spontneous fermenttion or heting, or its unergoing ny heting proess or ny proess involving the pplition of het Lightning Explosion of oilers of gs use for omesti purposes only, ut exluing ny Dmge use y erthquke or suterrnen fire. 2 Explosion, exluing Dmge use y or onsisting of the ursting y stem pressure of oiler (not eing oiler use for omesti purposes only), eonomiser or other vessel, mhine or pprtus elonging to the Insure or uner the ontrol of the Insure, in whih internl pressure is ue to stem only in respet of n originting in ny vessel, mhinery or pprtus or its ontents, elonging to the Insure or uner the ontrol of the Insure, whih requires to e exmine to omply with ny sttutory regultions, unless there is in fore poliy of insurne or other ontrt proviing the require inspetion servie. 3 Airrft or other eril evies or rtiles roppe from them. 4 Riot, Civil Commotion, strikers, loke out workers, persons tking prt in lour isturnes or Mliious Persons, exluing: Dmge rising from ntionlistion, onfistion, requisition, seizure or estrution y the Government or ny puli uthority Dmge rising from esstion of work Dmge i y theft or ttempte theft ii in respet of ny Builing whih is Unoupie for perio exeeing 30 onseutive ys iretly use y mliious persons not ting on ehlf of or in onnetion with ny politil orgnistion, ut the Insurer will py for suh Dmge use y fire or explosion. 5 Erthquke. 6 Suterrnen fire. 7 Storm, tempest or floo, exluing Dmge y frost, susiene, groun heve or lnslip Dmge in respet of fenes, gtes or movele Property in the open Dmge to open-fronte or open-sie Builings or to Property ontine therein. 8 Espe of wter from ny tnk, pprtus or pipe, exluing Dmge y wter ishrge or leking from ny utomti sprinkler instlltion. 9 Impt y ny ro vehile or niml. 10 Sprinkler lekge Aientl espe of wter from ny utomti sprinkler instlltion in the Builings not use y explosion, erthquke, suterrnen fire or het use y fire. 11 Theft or ttempte theft exluing Dmge expeite or in ny wy rought out y the Insure or ny prtner, iretor or employee of the Insure use y Resient to the portion of the uilings in whih they resie 10

Complete Property Owner Poliy Woring to gren lnsping n pving, gren furniture, trees n plnts to Contents unless there hs een forile n violent entry to or exit from the Builing. 12 Susiene, groun heve or lnslip of ny prt of the Premises on whih the Property Insure stns exluing e f g h i Dmge use y ollpse, rking, shrinkge, expnsion or settlement of Builings or ny prt thereof Dmge use y ostl or river erosion Dmge use y efetive esign or workmnship or the use of efetive mterils inluing inequte onstrution of fountions Dmge use y settlement or movement of me up groun Dmge use y the norml settlement or eing own of new strutures Dmge to soli floor sls or resulting from their movement unless the fountions eneth the externl wlls of the uilings re Dmge t the sme time n from the sme use Dmge to yrs, r prks, ros, pvements, lnlors fixtures n fittings, seurity lighting n mers, wlls, gtes fenes, fixe fuel oil tnks n fixe iesel tnks, piping, uting, les, wires n ssoite ontrol gers n essories, pve res or footpths unless uiling insure y this Setion is mge y the sme use t the sme time Dmge whih origintes prior to the ineption of this over Dmge use y emolition, onstrution, struturl ltertion or repir to ny Builings or grounworks or exvtion t the sme Premises j Events 1, 2, 5, 6 or 8. Susiene Conition The Insure shll notify the Insurer immeitely they eome wre of ny emolition, grounworks, exvtion or onstrution eing rrie out on the sme or ny joining site. The Insurer shll then hve the right to vry the terms or nel over in respet of susiene, groun heve or lnslip. 13 Aientl mge, exluing e f Dmge use y or onsisting of or rising from or ttriutle to i ny of the Events ii ny of the exlusions to the Events speifie in Events 1 to 12 n 14, whether Events 1 to 12 n 14 re insure or not Dmge use y or onsisting of inherent vie, ltent efet, grul eteriortion, wer n ter, frost, its own fulty or efetive esign or mterils ut this shll not exlue Dmge whih itself results from use not otherwise exlue Dmge use y or onsisting of fulty or efetive workmnship, opertionl error or omission y the Insure or ny employee of the Insure ut this shll not exlue i suh Dmge not otherwise exlue whih itself results from n Insure Event ii susequent Dmge whih itself results from use not otherwise exlue ts of fru or ishonesty y ny prtner, iretor or employee of the Insure ut this shll not exlue suh Dmge not otherwise exlue whih itself results from Events 1 to 12 n 14 Dmge use y or onsisting of orrosion, rust, wet or ry rot, shrinkge, evportion, loss of weight, mpness, ryness, mrring, srthing, vermin or insets, hnge in temperture, olour, flvour, texture or finish ut this shll not exlue i suh Dmge not otherwise exlue whih itself results from Events 1 to 13 n 14 ii susequent Dmge whih itself results from use not otherwise exlue Dmge onsisting of joint lekge, filure of wels, rking, frturing, ollpse or overheting of oilers, eonomisers, super-heters, pressure vessels or ny rnge of stem n fee piping onnete to them, mehnil or eletril rekown or erngement in respet of the prtiulr mhine, pprtus or equipment in whih suh rekown or erngement origintes ut this shll not exlue i suh Dmge not otherwise exlue whih itself results from Events 1 to 13 n 14 ii susequent Dmge whih itself results from use not otherwise exlue 11

Complete Property Owner Poliy Woring Setion 1 Property Dmge (ontinue) g h i j k Dmge use y ispperne, unexpline or inventory shortge or the misfiling or mispling of informtion Dmge to ny Builing or struture use y its own ollpse or rking, ut this shll not exlue suh estrution or mge resulting from other Dmge in so fr s it is not otherwise exlue Dmge in respet of fenes, gtes n movele Property in the open use y win, rin, hil, sleet, snow or ust Dmge resulting from Property Insure unergoing ny proess of proution, pking, tretment, testing, ommissioning, servie or repir Dmge in respet of i jewellery, preious stones or preious metls, ullion, furs, uriosities, works of rt or rre ooks ii Property in trnsit iii glss (other thn fixe glss), snitrywre (other thn fixe snitrywre), hin, erthenwre, mrle or other frgile or rittle ojets ut this shll not exlue Dmge whih itself results from Events 1 to 12 n 14 in so fr s it is not otherwise exlue iv Money, ons or seurities of ny esription Bsis of Settlement The Insurer will py the Insure the vlue of the Property Insure t the time of its loss or estrution, or the mount of the Dmge, or t the Insurer s option will reinstte or reple suh Property or ny prt of suh Property. The most the Insurer will py for ny one lim is the Totl Sum Insure, or for eh item its iniviul Sum Insure, or ny other limit of liility in this Setion whihever is the less t the time of Dmge the mount of the Sum Insure or Limit of Liility remining fter eution for ny other Dmge ourring uring the sme Perio of Insurne, unless the Insurer grees to reinstte ny suh Sum Insure or Limit of Liility. Automti Reinsttement In the sene of written notie y the Insurer to the ontrry, in onsiertion of Sums Insure or Limits of Liility not eing reue y the mount of ny lim, the Insure will py the pproprite itionl premium on the mount of the lim from the te of Dmge to expiry of the Perio of Insurne, ut this shll not pply in respet of theft or ttempte theft. l Dmge to i vehiles liense for ro use (inluing essories on them), rvns, trilers, rilwy loomotives, rolling stok, wterrft or irrft ii Property or strutures in ourse of onstrution or eretion n mterils or supplies in onnetion with ll suh Property or strutures iii ln, ros, pvements, piers, jetties, riges, ulverts or exvtions iv livestok, growing rops or trees ut this shll not exlue suh Property speifilly esrie in the Sheule 14 Espe of Oil from ny fixe heting instlltion exluing Dmge in respet of ny Builing or Property Insure in ny Builing whih is Unoupie Dmge unless use y suen ientifile s tken ple in its entirety t speifi time n ple uring the Perio of Insurne the vlue of the oil Bsis of Settlement Ajustments In lulting the most the Insurer will py for ny one lim, justments shll e me in orne with the following luses. 1 Reinsttement (Dy One Bsis) Sujet to the Speil Conitions set out elow, the sis on whih the mount pyle for Builings n Contents is to e lulte will e the reinsttement of the Property lost, estroye or mge. For this purpose "reinsttement" mens i the reuiling or replement of Property lost or estroye whih, provie the Insurer s liility is not inrese, my e rrie out in ny mnner suitle to the requirements of the Insure on nother site ii the repir or restortion of Property mge in either se to onition equivlent to, or sustntilly the sme s, ut no etter or more extensive thn its onition when new. 12

Complete Property Owner Poliy Woring The Delre Vlue (shown in rkets elow the Sum Insure in the Sheule), hving een stte y the Insure, hs een use to lulte the premium. Delre Vlue The ssessment y the Insure of the ost of reinsttement of Property Insure rrive t in orne with prgrph 1..i. t the level of osts pplying t ineption of the Perio of Insurne (ignoring infltionry ftors whih my susequently operte), together with, to the extent tht over provies, ue llowne for i ii iii ny itionl ost of reinsttement to omply with puli uthorities regultions, ye-lws or stipultions Professionl Fees Removl of Deris osts. Speil Conitions 1 At ineption of eh Perio of Insurne, the Insure shll notify the Insurer of the Delre Vlue of Property Insure. In the sene of suh elrtion the lst mount elre y the Insure will e tken s the Delre Vlue for the new Perio of Insurne, ppropritely juste y Inex Linking. 2 If t the time of Dmge the Delre Vlue of the Property is less thn the ost of reinsttement (s efine in prgrph 1..i.) t ineption of the Perio of Insurne, the mount pyle y the Insurer will e proportiontely reue. 3 The Insurer s liility for the repir or restortion of Property mge in prt only, shll not exee the mount whih woul hve een pyle if suh Property h een wholly estroye. 4 No pyment eyon the mount the Insurer woul hve pi in the sene of this luse will e me unless reinsttement ommenes n proees without unresonle ely until the ost of reinsttement hs tully een inurre where Property Insure t the time of Dmge is overe y ny other insurne effete y the Insure, or on ehlf of the Insure, whih is not on the sme sis of reinsttement. 5 All the terms n onitions of this Setion n of the Poliy shll pply to ny lim pyle uner the provisions of this luse, other thn where they re expressly vrie y the terms of this luse where lims re pyle s if this luse h not een inorporte, exept tht Sums Insure will e limite to 115% of Delre Vlues. 2 Inex Linking Sums Insure n/or Delre Vlues will e juste to tke into ount movements in the pproprite inex n renewl premiums will e se on the juste Sums Insure n/or Delre Vlues. For Builings, the Generl Builing Cost Inex issue y the Builing Cost Informtion Servie of the Royl Institute of Chrtere Surveyors or for resientil Premises the Househol Reuiling Cost Inex issue y the Assoition of British Insurers (or some other suitle inex the Insurer eies upon) will e use. For Contents of Common Prts n All Other Contents shown n/or esrie in the Sheule, the Retil Prie Inex (or some other suitle inex the Insurer eies upon) will e use. The ove perentge hnges will ontinue to e pplie etween the te of ny Dmge n the te when replement or repir hs een omplete. 3 Averge (Unerinsurne) The Sums Insure y ny items for Builings or Contents sujet to the Reinsttement (Dy One Bsis) Cluse re elre to e seprtely sujet to Averge s esrie in Speil Conition 2 of suh luse ny other items of Property Insure (other thn ny Sum Insure pplying solely to Rent, Fees, Removl of Deris) re elre to e seprtely sujet to Averge. This mens if t the time of Dmge the Sum Insure for ny item is less thn the vlue of the item overe y suh Sum Insure, the mount pyle y the Insurer will e proportiontely reue. 4 Contriution n Averge If t the time of Dmge ny other insurne hs een effete y or on ehlf of the Insure overing ny of the Property lost, estroye or mge, the Insurer s liility uner this Setion shll e limite to the Insurer s rtele proportion of suh Dmge. If suh other insurne is sujet to Averge (Unerinsurne), this Setion if not lrey sujet to Averge shll e sujet to Averge in like mnner. 13

Complete Property Owner Poliy Woring Setion 1 Property Dmge (ontinue) If suh other insurne is sujet to ny provision whih exlues it from rnking onurrently with this Setion, either in whole or in prt, or from ontriuting rtely, the liility of the Insurer uner this Setion shll e limite to tht proportion of the Dmge whih the Sum Insure for this Setion ers to the vlue of the Property. 5 Puli Authorities (inluing unmge Property) Sujet to the Speil Conitions set out elow, over for Builings n Contents inlues n mount in respet of ny itionl ost of reinsttement whih is inurre solely y reson of the neessity to omply with uiling or other regultions uner or frme in pursune of ny At of Prliment, with yelws of ny puli uthority or to omply with the stipultions of Europen Union legisltion, in respet of lost, estroye or mge Property unmge portions of suh Property exluing the ost inurre in omplying with suh regultions, yelws or stipultions i in respet of Dmge ourring prior to the grnting of this over ii in respet of Dmge not overe y this Setion iii uner whih notie hs een serve upon the Insure efore the te of the Dmge iv in respet of unmge Property other thn unmge portions of Property lost, estroye or mge the itionl ost tht woul hve een require to mke goo the Property lost, estroye or mge to onition equl to its onition when new, h the neessity to omply with suh regultions, ye-lws or stipultions not risen the mount of ny hrge or ssessment rising out of pitl ppreition, whih my e pyle in respet of the Property, y reson of ompline with ny suh regultions, ye-lws or stipultions. Speil Conitions 1 The work of reinsttement must e ommene n rrie out without unresonle ely n in ny se must e omplete within twelve months fter the Dmge, or within suh further time s the Insurer my llow, n my e rrie out upon nother site (if suh regultions, ye-lws or stipultions so neessitte), sujet to there eing no resulting inrese in the liility of the Insurer. 2 If the liility of the Insurer is reue y the pplition of ny of the terms n onitions of this Setion or of the Poliy (other thn s result of this luse) the liility of the Insurer uner this luse will e reue in proportion. 3 The most the Insurer will py for ny one lim in respet of unmge portions of Property other thn fountions is 15% of the totl mount for whih the Insurer woul hve een lile h the Property een wholly estroye. 4 All the terms n onitions of this Setion n of the Poliy shll pply to ny lim pyle uner the provisions of this luse, other thn where they re expressly vrie y the terms of this luse. 6 Sprinkler Instlltion Upgring Costs If, following Dmge, the Insurer requires the upgring of ny utomti sprinkler instlltion in orer tht t the time of its reinsttement suh instlltion will onform to Loss Prevention Counil Rules urrent t the time of reinsttement, the Insurer will py the osts inurre y the Insure provie tht t the time of the Dmge the instlltion onforme to the 29th Eition Rules for Automti Sprinkler Instlltions issue y the Loss Prevention Counil t the time of originl instlltion ut i not onform to susequent menments to suh rules. 7 Altertions n Aitions To the extent tht they re not otherwise insure, Builings n Contents items inlue ltertions, itions n improvements (ut not ppreition in vlue in exess of Sums Insure) to Builings n Contents ny newly quire or newly erete Builings n Contents within Gret Britin, Northern Ireln, the Isle of Mn or the Chnnel Islns, for no more thn 20% of the Sum Insure for eh item overe, or 500,000 in totl, whihever is the less, t ny one Premises or t ny one newly quire ress elsewhere thn t the Premises, provie tht the Insure shll give etils of suh ltertions n itions to the Insurer within ninety ys of the ommenement te of the Insure s responsiility, effet speifi over retrospetive to suh te n py the pproprite itionl premium. 8 Professionl Fees Sums Insure n/or Delre Vlues for Builings inlue n mount in respet of Arhitets, Surveyors, Legl n Consulting Engineers fees, other thn where n item overing suh fees is speifilly shown in the Sheule. Cover pplies only to those fees neessrily n resonly 14

Complete Property Owner Poliy Woring inurre in onsequene of Dmge, in the reinsttement or repir of Property Insure. 9 Removl of Deris Costs Sums Insure n/or Delre Vlues for Builings n Contents inlue n mount in respet of removl of eris osts, other thn where n item overing suh osts is speifilly shown in the Sheule. Cover pplies only to those osts neessrily n resonly inurre in onsequene of Dmge, in removing eris ismntling n emolishing shoring up or propping lering, lening n/or repiring rins, gutters, sewers n the like for whih the Insure re responsile. The Insurer will not py for ny osts or expenses inurre in removing eris other thn from the site of suh Property lost, estroye or mge n the re immeitely jent to suh site rising from pollution or ontmintion of property not insure y this Setion. 10 Removl of Deris Costs Tennts Contents To the extent tht they re not otherwise insure, over inlues unreoverle osts neessrily inurre with the Insurers onsent, in onsequene of Dmge, in removing eris in respet of Contents for whih the Insure re not responsile, up to n mount of 5,000 ny one lim. The Insurer will not py for ny osts inurre in removing eris other thn from the site of suh Property Dmge n the re immeitely jent to suh site rising from pollution or ontmintion of property not overe y this Setion. 11 Temporry Removl Property Insure is overe whilst temporrily remove for lening, renovtion, repir or similr purposes to ny ress elsewhere thn t the Premises, inluing whilst in trnsit, within Gret Britin, Northern Ireln, the Isle of Mn or the Chnnel Islns. The Insurer will not py for suh Property more speifilly insure Dmge to vehiles liense for ro use, in so fr s they re insure y this Setion, ourring elsewhere thn t the Premises more thn 10% of the Sum Insure for eh item overe, for Dmge ourring elsewhere thn t the Premises. 12 Temporry Removl Douments If ees n other ouments (inluing stmps on them), mnusripts, plns n writings of every esription, ooks n other usiness reors re inlue in the Property Insure, suh items re overe whilst temporrily remove to ny ress elsewhere thn t the Premises, inluing whilst in trnsit within Gret Britin, Northern Ireln, the Isle of Mn or the Chnnel Islns. The Insurer will not py for suh items more speifilly insure more thn 10% of the figure stte within the efinition of All Other Contents for omputer systems reors more thn 10% of the All Other Contents Sum Insure on the Sheule. 13 Contrting Purhsers The Insurer grees tht without prejuie to the rights n liilities of the Insure or the Insurer, if t the time of Dmge the Insure hve ontrte to sell their interest in ny uiling overe, n the purhse hs not een ut shll fterwrs e omplete, the purhsers on ompletion of the purhse shll e entitle to enefit uner this Setion until ompletion, exept in so fr s suh uiling is more speifilly insure y or on ehlf of the purhser. 14 Fixe Glss Following Dmge to fixe glss the Insurer will py the ost of ny neessry temporry oring-up of roken glss pening full replement removing n re-fixing winow fittings n other ostles to repling roken glss n repling lrm foil on glss Dmge to frmework n to Contents use y roken glss. The Insurer will not py for Dmge existing prior to ineption of this Poliy. 15 Freeholers, Lessors n Mortggees When the interest of ny Freeholer, Lessor or Mortggee hs een note in Property Insure overe y this Setion, the Insurer grees tht this Setion shll not e invlite y ny t, omission, ltertion or neglet of or y the Leseholer, Lessee or Mortggor unknown to or eyon the ontrol of the Freeholer, Lessor or Mortggee, y whih the risk of Dmge is inrese, provie tht the Freeholer, Lessor or Mortggee shll give 15

Complete Property Owner Poliy Woring Setion 1 Property Dmge (ontinue) notie to the Insurer (n py n itionl premium if require) immeitely they eome wre of suh t, omission, ltertion or neglet. 16 Loks n Keys The Insurer will py the ost of repling loks n keys of oors n winows for whih the Insure re responsile, suh osts eing neessrily inurre to keep the Premises seure if keys re stolen using fore n violene, up to n mount of 2,500 ny one lim. 17 Fire Extinguishers, Sprinklers n Seurity Equipment The lnsurer will py the resonle osts inurre y the lnsure in re-filling, rehrging or repling ny fire extinguishers, lol or fixe fire suppression or gs flooing systems, sprinkler instlltions n sprinkler hes hving ny fire n/or intruer lrms n lose iruit television equipment re-set in onsequene of Dmge, provie tht i the Insure mintin ll suh equipment uner ontrt n in orne with the mnufturer s instrutions with mintenne ompny eptle to the Insurer ii the Insurer shll not e lile in respet of ny osts n expenses reoverle from the mintenne ompny from the fire servie iii the liility of the Insurer in respet of ny one lim shll not exee 10,000. 18 Lnspe Grouns n Emergeny Vehiles Costs inurre y the Insure in onsequene of Dmge to Property Insure t the Premises in restoring lnspe grouns to their originl pperne when first li out n plnte, ut exluing osts rising ue to the filure of trees, shrus, plnts, turf n the like to germinte or eome estlishe reinstting or repiring lnspe grens n grouns following mge use y the emergeny servies vehiles, equipment or personnel in the ourse of rrying out their uties. up to n mount of 10,000 ny one Perio of Insurne 19 Metere Supplies Cover inlues itionl wter, gs, eletriity or other metere supply hrges inurre y the Insure in onsequene of Dmge, n for whih the Insure re leglly responsile, up to n mount of 5,000 ny one lim, n 10,000 ny one Perio of Insurne. The Insurer will not py for suh hrges inurre in respet of ny Builing whih is Unoupie for perio exeeing 30 onseutive ys. The sis on whih the mount pyle is to e lulte will e the mount of the suppliers hrges for the perio following the Dmge, less the hrge pi y the Insure for the orresponing perio in the preeing yer, juste for hnges in the suppliers hrges n for vritions ffeting supply onsumption y the Insure. 20 Unuthorise Use of Supplies Cover inlues the ost of wter, gs, eletriity or other metere supply hrges inurre y the Insure n for whih the Insure re leglly responsile, up to n mount of 5,000 ny one lim, ue to unuthorise use y persons tking possession of, keeping possession of or oupying ny Builing without the written onsent of the Insure, provie tht the Insure shll tke ll prtile steps to terminte suh unuthorise use s soon s it is isovere Poliy Conition 13 hs een omplie with y the Insure immeite notifition of suh possession is given to the Insurer upon the Insure eoming wre of it. 21 Tre n Aess In the event of Dmge in onsequene of espe of wter or fuel oil from ny tnk, pprtus or pipe, the Insurer will py the osts neessrily n resonly inurre y the Insure in loting the soure of suh Dmge, n in the susequent mking goo of Dmge use s onsequene of loting suh soure, up to n mount of 25,000 ny one Perio of Insurne. 22 Alterntive Resientil Aommotion If s result of insure Dmge resientil Builings or prts of resientil Builings re renere unfit to live in, or ess to them is enie, to the extent tht they re not otherwise insure the Insurer will py the osts of resonle lterntive ommotion n temporry storge of resients furniture n the osts of resonle ommotion in kennels n/or tteries for resients ogs n/or ts, if ogs n/or ts re not permitte in suh resients lterntive ommotion. The Insurer will not py for suh osts in exess of 20% of the Builings Sum Insure pplying to the Builings or to the prts of the Builing Dmge. 16

Complete Property Owner Poliy Woring 23Contrtors Interest When the Insure is require y the terms or onitions of ny ontrt to over Builings in the joint nmes of the Insure n of ny ontrtor or su-ontrtor nme in suh ontrt, the Insurer grees to note suh joint interests provie tht the Insure shll notify the Insurer of etils of ny single ontrt vlue t 100,000 or more in vne of ommenement of the work, n py ny itionl premium the Insurer my require. 24 Contrt Works Cover for Builings n Contents inlues ny permnent or temporry works unertken in performne of ny ontrt, inluing ll unfixe mterils n goos elivere to or ple on or jent to the Premises n intene for inorportion in suh Contrt Works, ll for whih the Insure re responsile uner the terms of the ontrt up to n mount of 100,000 ny one ontrt. 25 Seventy Two (72) Hours Cluse Dmge ourring within Seventy Two (72) onseutive hours of n rising from Event 7 is eeme to e one lim. The Insure hve the right to selet the moment from whih the Seventy Two (72) hour perio shll e eeme to hve ommene within the terms of this Setion, provie tht suh Dmge ourre prior to expiry of the Perio of Insurne. Setion Exlusions The Poliy Exlusions pply to this Setion n in ition the Insurer will not py for: 1 Pollution or Contmintion Loss, estrution or mge use y pollution or ontmintion, ut the Insurer will py for Dmge not otherwise exlue use y pollution or ontmintion whih itself results from n insure Event ny insure Event whih itself results from pollution or ontmintion. 2 Mrine Poliies Property whih t the time of the hppening of Dmge is insure y or woul ut for the existene of this Setion e insure y ny mrine poliy or poliies, ut the Insurer will py ny exess eyon the mount whih woul hve een pyle uner suh mrine poliy or poliies h this Setion not een effete. 3 Computer Dte Reognition 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 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 in respet of Setion 1 Property Dmge only the insurne will py for ny susequent Dmge whih is not otherwise exlue n whih itself results from Events 1 to 8 of Setion 1 Property Dmge. 4 Speifi Insurnes Any Property more speifilly insure y or on ehlf of the Insure. 5 Works of Art Dmge to pinting, prints n works of rt with vlue in exess of 5,000 ny one item. 6 Consequentil Loss Consequentil loss of ny kin or esription. 7 Moile Phone Msts Dmge use y n use to moile phone msts erete on the Premises. 8 Eletril Apprtus or Fittings Dmge to ny prtiulr piee of eletril pprtus or fitting whih hs use fire ue to self ignition, over running, exessive pressure, short iruiting, self heting or lekge of eletriity 9 Exess The mount of Exess speifie in the Sheule. 17

Complete Property Owner Poliy Woring Setion Conitions The Poliy Conitions pply to this Setion n in ition the following: 1 Altertion Unless the Insurer grees in writing, over uner this Setion shll e voie for ny of the Property Insure in regr to whih there is ny ltertion fter the ommenement of this insurne where the Business is woun up or rrie on y liquitor or reeiver or permnently isontinue where ny ltertion is me in the Business or in the Premises or property in them whih inreses the risk of n Event s insure y this Setion where the interest of the Insure eses other thn y eth in respet of susiene, groun heve or lnslip y ny emolition, onstrution, groun works or exvtion work eing rrie out on ny joining site. 2 Reinsttement If ny property is to e reinstte or reple y the Insurer, the Insure shll t their own expense provie ll 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 for ny one item of this Setion more thn its Sum Insure. 3 Felt Roof Conition If ny Builing hs felt roof where the minerl felt surfe hs not een reple for seven yers, then this roof must e inspete nnully y ompetent roofing ontrtor prior to the month of Otoer eh yer n eviene of suh inspetion n ny remeil work following suh inspetion shoul e kept n proue if requeste y the Insurer. 18

Complete Property Owner Poliy Woring Setion 2 Loss of Rent Definitions Clulte Rent For oupie Premises or oupie prts of Premises The mount of the tul nnul Rent t ommenement of the Perio of Insurne plus inreses s result of rent reviews known to e ue uring suh Perio of Insurne, proportiontely inrese when the Mximum Inemnity Perio exees 12 months. For Premises or prts of Premises tht re Unoupie for perio exeeing 30 onseutive ys A professionl vlution, se upon leses expete to e signe or in ourse of negotitions n upon rent of similr premises in the sme lolity, estimting t ommenement of the Perio of Insurne the mount of Rent to e pyle uring suh Perio of Insurne n uring relte susequent Perios of Insurne when the Mximum Inemnity Perio exees 12 months. Dmge Loss or estrution of or mge to Property Insure t Premises use y the Insure for the purpose of the Business. Inemnity Perio For oupie Premises or oupie prts of Premises The perio eginning with the ourrene of the Dmge n ening not lter thn the Mximum Inemnity Perio therefter uring whih the results of the Business shll e ffete in onsequene of the Dmge. For Premises or prts of Premises tht re Unoupie for perio exeeing 30 onseutive ys The perio eginning with the te upon whih ut for the Dmge Rent woul hve ommene to e pyle n ening not lter thn the Mximum Inemnity Perio therefter uring whih the results of the Business shll e ffete in onsequene of the Dmge. Mximum Inemnity Perio The perio shown in the Sheule. Premises The Builings t the ress or resses stte in the Sheule, inluing their grouns, ll within the ounries for whih the Insure re responsile. Rent The money pi or pyle to the Insure y tennts for ommotion provie n servies renere t the Premises. Cover The Insurer will py the Insure for Loss of Rent in onsequene of Dmge Provie tht, other thn in respet of Extensions 1 6 of this Setion, suh Dmge is overe uner Setion 1 Property Dmge of this Poliy i pyment shll hve een me or liility mitte uner Setion 1 Property Dmge, or ii pyment woul hve een me or liility mitte uner Setion 1 Property Dmge ut for the opertion of n Exess. the most the Insurer will py for ny one lim is in the whole the Totl Sum Insure, or ny other limit of liility, whihever is the less. Bsis of Settlement The Insurer will py the Insure, in respet of eh Item overe, the mount of their lim for Loss of Rent. Automti Reinsttement In the sene of written notie y the Insurer to the ontrry, in onsiertion of Sums Insure or limits of liility not eing reue y the mount of ny lim, the Insure will py the pproprite itionl premium on the mount of the lim from the te of the Dmge to expiry of the Perio of Insurne, ut this shll not pply in respet of theft or ttempte. The Insurer will py the Insure s inemnity in onsequene of Dmge for Loss of Rent inluing n Inrese in Cost of Working Re-letting Costs. Loss of Rent mens the mount y whih the Rent uring the Inemnity Perio flls short of the Rent whih ut for the Dmge woul hve een reeive. Inrese in Cost of Working mens the itionl expeniture neessrily n resonly inurre for the sole purpose of voiing or iminishing the Loss of Rent whih ut for tht expeniture woul hve tken ple uring the Inemnity Perio. 19

Complete Property Owner Poliy Woring Setion 2 Loss of Rent (ontinue) Re-letting Costs mens the expeniture neessrily n resonly inurre in onsequene of Dmge in Re-letting Premises, inluing legl fees or other hrges inurre solely in onsequene of suh reletting. Bsis of Settlement Ajustments The Insurer will not py the Insure for Inrese in Cost of Working exeeing the mount of Loss of Rent therey voie legl fees or other hrges pyle y ny new tennt quire in re-letting Premises in onsequene of Dmge ny mounts sve uring the Inemnity Perio in respet of ny of the hrges n expenses of the Business pyle out of Rent tht my ese or e reue. In lulting the mounts the Insurer will py the Insure s inemnity, justments shll e me in orne with the following luses. 1 Averge If the Sum Insure y ny item on Rent is less thn the Clulte Rent for tht Item, the mount pyle will e proportiontely reue. 2 Aountnts Chrges If the professionl ountnts of the Insure proue ny prtiulrs or etils require y the Insurer from the Insure s ooks of ount or other usiness ooks or ouments, or ny other proofs, informtion or eviene uner the terms of Conition 2 of this Setion, the Insurer will py the Insure the resonle hrges pyle y the Insure to their professionl ountnts, provie tht the mximum mount pyle uner this justment shll not exee 5% of the Rent Sum Insure in respet of eh Premises. 3 Rent Review Where Rent is sujet to rent review uring the Perio of Insurne, the rent mount pyle my e utomtilly inrese, sujet to mximum rent review inrese of 20%. This oes not inlue ny inreses in Rent resulting from ltertions, itions, extensions or improvements to the Builings insure or in respet of newly erete uilings. 4 Altertions n Aitions Cover inlues Rent in respet of ltertions, itions n improvements to Premises newly quire or newly erete Premises within Gret Britin, Northern Ireln, the Isle of Mn or the Chnnel Islns, for no more thn 20% of the Totl Sum Insure or 50,000 whihever is the less, t ny one Premises, provie tht the Insure shll i ii iii give etils to the Insurer within ninety ys of the ommenement te of the Insure s interest in suh Rent effet speifi over retrospetive to suh te, n py the pproprite itionl premium. 5 Seventy Two (72) Hours Cluse Dmge ourring within Seventy Two (72) onseutive hours of n rising from Event 7 of Setion 1 Property Dmge is eeme to e one lim. The Insure hve the right to selet the moment from whih the Seventy Two (72) hour perio shll e eeme to hve ommene within the terms of this Setion, provie tht suh Dmge ourre prior to expiry of the Perio of Insurne. 6 Vlue Ae Tx All terms in this Setion shll e exlusive of vlue e tx to the extent tht the Insure re ountle to the tx uthorities for suh tx. 7 Pyments on Aount The Insurer will mke pyments on ount uring the Inemnity Perio, if the Insure so request, sujet to ny neessry justment t the en of the Inemnity Perio. Extensions (Sujet to the terms, limits, onitions n exlusions of this Setion n the Poliy) Any lim resulting from interruption of or interferene with the Business in onsequene of: in respet of Extensions 1 4, loss or estrution of or Dmge to ny Property shown elow, resulting from n Event opertive uner Setion 1 Property Dmge of this Poliy, or in respet of Extension 5, ny Contingeny shown within Gret Britin, Northern Ireln, the Isle of Mn or the Chnnel Islns, shll e unerstoo to e Dmge s overe y this Setion, provie tht fter the pplition of ll other terms, onitions n provisions of this Setion the liility of the Insurer shll not exee in 20

Complete Property Owner Poliy Woring the whole the Totl Sum Insure, or the mount shown s the mximum limit of liility in respet of ny of the Extensions, whihever is the less. 1 Mnging Agents Premises Property of the Insure s mnging gents t the premises of suh mnging gents, up to 10% of the Rent Sum Insure or 10,000 whihever is the less. 2 Denil of Aess Property in the immeite viinity of the Premises whih prevents or hiners the use of or ess to the Premises for perio greter thn 24 hours, whether the Premises or property in them is Dmge or not. 3 Supply Unertkings Property t ny generting sttion or su-sttion of the eletriity supply unertking ln se premises of the gs supply unertking or of ny nturl gs prouer linke iretly therewith wterworks or pumping sttion of the wter supply unertking ln se premises of the teleommunitions unertking from whih the Premises otin eletriity, gs, wter or teleommunitions servies. 4 Douments Douments elonging to the Insure or hel y the Insure in trust, whilst t premises not eing the Insure s Premises, or in trnsit y ro, ril or inln wterwy. 5 Speifie Illnesses Contingenies ny ourrene of Speifie Illness t the Premises, exept where the Premises is Privte Dwelling e ny isovery of n orgnism t the Premises likely to result in the ourrene of Speifie Illness, exept where the Premises is Privte Dwelling ny ourrene of Legionellosis t the Premises the isovery of vermin or pests t the Premises ny ient using efets in the rins or other snitry rrngements t the Premises whih uses restritions on the use of the Premises on the orer or vie of the ompetent lol uthority. Speil Provisions 1 Speifie Illness shll men illness sustine y ny person resulting from foo or rink poisoning, or Aute Enephlitis, Aute Poliomyelitis, Anthrx, Chikenpox, Choler, Diphtheri, Dysentery, Leprosy, Leptospirosis, Mlri, Mesles, Meningool Infetion, Mumps, Opthlmi Neontorum, Prtyphoi Fever, Plgue, Ries, Ruell, Srlet Fever, Smllpox, Tetnus, Tuerulosis, Typhoi Fever, Virl Heptitis, Whooping Cough or Yellow Fever n outrek of whih the ompetent lol uthority hs stipulte shll e notifie to them. 2 Legionellosis shll men illness sustine y ny person resulting from ny ishrge relese or espe of legionell from wter tnks, wter systems, ir-onitioning plnts, ooling towers n the like t the Premises. 3 For the purpose of this Extension Inemnity Perio shll men the perio uring whih the results of the Business shll e ffete in onsequene of the mge eginning with the te from whih the restritions on the Premises re pplie n ening not lter thn 3 months therefter. 4 The Insurer shll not e lile uner this luse for ny osts inurre in lening, repir, replement, rell or heking of Property. 5 The Insurer shll only e lile for loss rising t the Premises whih re iretly sujet to the inient. 6 The Insure in so fr s it is resonly prtil shll ensure ompline with the Helth n Sfety Commissions Approve Coe of Prtie, The Prevention n Control of Legionellosis (inluing Legionnires Disese) or ny supplementry replement or mening Coe of Prtie. 7 Notwithstning Speil Provision 4 the insurne y this Extension extens to inlue osts n expenses neessrily inurre with the onsent of the Insurer in lening n eontmintion of Property use y the Insure for the purpose of the Business (other thn stok in tre) removl n isposl of ontminte stok in tre t or from the Premises, the use of whih hs een restrite on the orer or vie of the ompetent lol uthority solely in onsequene of the inient s efine ove, provie tht the liility of the Insurer shll not exee 25,000 in ny one Perio of Insurne, fter the pplition of ll other terms n onitions of this Setion n of the Poliy. 21

Complete Property Owner Poliy Woring Setion 2 Loss of Rent (ontinue) 6 Loss of Attrtion Property in the immeite viinity of the Premises using fll in the numer of tennts ttrte to the Premises, provie tht for the purpose of this Extension Dmge shll exlue ostrution of ros, streets n the like y wether or limti onitions The Mximum Inemnity Perio shll not exee 3 months Limit 5% or 100,000 whihever is the less Setion Exlusions The Poliy Exlusions pply to this Setion n in ition the Insurer will not py for: 1 Pollution or Contmintion Loss resulting from pollution or ontmintion, ut the Insurer will py for suh loss resulting from estrution of or mge to property use y the Insure t the Premises for the purpose of the Business not otherwise exlue use y pollution or ontmintion t the Premises whih itself results from n insure Event ny insure Event whih itself results from pollution or ontmintion. 2 Computer Dte Reognition 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 in respet of Setion 1 Property Dmge only the insurne will py for ny susequent Dmge whih is not otherwise exlue n whih itself results from Events 1 to 8 of Setion 1 Property Dmge. Setion Conitions The Poliy Conitions pply to this Setion n in ition the following: 1 Altertion Unless the Insurer grees in writing, over uner this Setion shll e voie for ny of the Property Insure in regr to whih there is ny ltertion fter the ommenement of this insurne where the Business is woun up or rrie on y liquitor or reeiver or permnently isontinue where ny ltertion is me in the Business or in the Premises or property in them whih inreses the risk of n Event s insure y this Setion where the interest of the Insure eses other thn y eth in respet of susiene, groun heve or lnslip y ny emolition, onstrution, groun works or exvtion work eing rrie out on ny joining site. 2 Aitionl Clims Conitions In the event of Dmge, in onsequene of whih the Insure mke or my mke lim uner this Setion, the Insure shll t their own expense eliver to the Insurer not lter thn 30 ys fter expiry of the Inemnity Perio, or suh further time tht the Insurer my llow, full informtion in writing of the prtiulrs of the lim, together with etils of ll other poliies overing the Premises for the purpose of the Business or ny prt of the Business, n the mount of ny resulting Dmge. Prtiulrs or etils ontine in the Insure s ooks of ount or other usiness ooks or ouments, whih my e require y the Insurer for the purpose of investigting or verifying ny lim uner this Setion, my e proue y professionl ountnts if t the time they re regulrly ting for the Insure. Their report shll e prim fie eviene of the prtiulrs n etils to whih suh report reltes. The Insurer will not py for ny lim unless the terms of this onition hve een omplie with, n ny pyment on ount lrey me shll e repi to the Insurer. 22

Complete Property Owner Poliy Woring Setion 3 Property Owners Liility Definitions Asestos Asestos or fires or prtiles of sestos or ny mteril ontining sestos. Business The Business speifie in the Sheule onute solely from Gret Britin, Northern Ireln, the Isle of Mn or the Chnnel Islns n inluing the ownership, mintenne n repir of premises use in onnetion therewith the provision n mngement of nteen, soil, sports or welfre orgnistions for the enefit of Employees n the mulne, first i, fire, meil n seurity servies of the Insure the exeution of privte uties y Employees for ny prtner, iretor or senior offiil of the Insure. Employee ny person uner ontrt of servie or pprentieship with the Insure ny of the following persons whilst working for the Insure in onnetion with the Business i ny lour mster or lour only suontrtor or person supplie y him ii ny self-employe person proviing lour only iii ny trinee or person unergoing work experiene iv ny voluntry helper v ny person who is orrowe y or hire to the Insure. Injury oily injury, eth, isese, illness, mentl injury or nervous shok ny pipe or system of pipes in the se or til wters ny instlltion whih is intene to provie ommotion for persons who work on or from the lotions speifie in Definition 4.., 4.. or 4.. ove. Pollution or Contmintion ll pollution or ontmintion of uilings or other strutures or of wter or ln or the tmosphere; n ll Injury or Dmge iretly or iniretly use y suh pollution or ontmintion. All Pollution or Contmintion, whih rises out of or in onnetion with one inient, shll e eeme to hve ourre t the time suh inient tkes ple. Prouts Any goos or other property (inluing their ontiners, pkging, lelling n instrutions for use) sol, supplie, elivere, instlle, erete, repire, ltere, trete or teste y the Insure in onnetion with the Business n not in the hrge or ontrol of the Insure. Territoril Limits Gret Britin, Northern Ireln, the Isle of Mn n the Chnnel Islns ny other memer ountry of the Europen Union elsewhere in the worl in respet of Injury or Dmge use y or rising from i non-mnul tivities of ny prtner, iretor or Employee of the Insure normlly resient within the territories speifie in Definition 7.. ove n ourring uring ny journey or temporry visit ii Prouts. invsion of the right of privy, flse rrest, flse imprisonment, flse evition or mliious proseution of ny person. Offshore Instlltions Any instlltion in the se or til wters whih is intene for unerwter exploittion of minerl resoures or explortion with view to suh exploittion ny instlltion in the se or til wters whih is intene for the storge or reovery of gs 23

Complete Property Owner Poliy Woring Setion 3 Property Owners Liility (ontinue) 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 ourring within the Territoril Limits uring the Perio of Insurne in onnetion with the Business. Costs n Expenses The Insurer will lso py osts n expenses inurre y the Insurer or with the written onsent of the Insurer 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 loss or mge 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 B 1 ny one ourrene or ll ourrenes of series onsequent on or ttriutle to one soure or originl use 2 ll Injury, loss or mge sustine y ll limnts ourring uring ny one Perio of Insurne n use y n rising from Prouts 3 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. Provie tht in respet of n At of Terrorism the Limit of Inemnity shll not exee the Limit of Inemnity stte in the Sheule or 5,000,000 (whihever is the lesser). 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 shown in the sheule or 5,000,000 (whihever is the lesser) inlusive of ll osts n expenses. For the purposes of this limittion ll suh 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 12 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 request 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 24

Complete Property Owner Poliy Woring 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 were 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 re leglly lile n woul hve een entitle to inemnity uner this Setion if the lim h een me ginst the Insure. Provie tht i ii eh suh prty shll oserve fulfil n e sujet to the terms n onitions of this Setion in so fr s they n pply the Insurer s liility to the Insure n ll prties inemnifie shll not exee in totl the Limit of Inemnity speifie in the Sheule. 2 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 shown in the Sheule. 3 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 territories speifie in Definition 4.. in the ourse of ny journey or temporry visit to ny other ountry me in onnetion with the Business. 4 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 liility in respet of mge to suh 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. For the purpose of this over Exlusion 1 Injury to Employees oes not pply. 5 Helth n Sfety t Work 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 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 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 insurne. 6 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, uner Setion(s) 22 n/or 23 of the Dt Protetion At 1984 s mene y the Dt Protetion At 1998, for mge or istress 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. 25

Complete Property Owner Poliy Woring Setion 3 Property Owners Liility (ontinue) The totl mount pyle inluing ll osts n expenses uner this prgrph, in respet of ll lims ourring uring ny one Perio of Insurne, is limite to 100,000. The Insurer will not py for e ny Dmge 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 ny Dmge 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. 7 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. Provie tht this Extension oes not over the osts of retifying ny mge or efet in the premises or ln ispose of Provie tht the Insurer shll hve the 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 t or omission osts or expenses insure y ny other poliy. 9 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 10 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. Provie tht the Insurer shll not in ny event provie inemnity uner Exlusion 9.. exept s stte therein liility for whih the Insure is entitle to inemnity uner ny other insurne. in respet of liquite mges or fines or mges impose y or pyle uner ny penlty luse. liility rising out of the presene of Asestos 8 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 11 Legionellosis Liility Exlusion 4 shll not pply to ny ishrge, relese, or espe of Legionell or other ir-orne pthogens from wter tnks, wter systems, ir onitioning plnts, ooling towers n the like. Provie tht the Insurer will only inemnify the Insure i in respet of lims rising from Pollution or Contmintion whih rise out of or s onsequene of ny ishrge, relese or espe of Legionell or other irorne pthogens from wter tnks, wter systems, ironitioning plnts, ooling towers n the like first me in writing to the Insure uring the Perio of Insurne or 26

Complete Property Owner Poliy Woring ii if the first notifition of irumstne whih hs use or is llege to hve use Injury or Dmge n n e resonly expete to give rise to lim rising from Pollution or Contmintion whih rises out of or s onsequene of ny ishrge, relese or espe of Legionell or other ir-orne pthogens from wter tnks, wter systems, ir-onitioning plnts, ooling towers n the like is notifie to the Insurer uring the Perio of Insurne or within thirty (30) ys fter expiry of the sme Perio of Insurne the liility of the Insurer uner this Extension for ll ompenstion (inluing interest thereon) n limnts osts n expenses pyle shll not exee 500,000 n for ll lims rising from Pollution or Contmintion shll not exee the Limit of Inemnity s stte in the Sheule this Extension shll not pply to ny lim rising from Pollution or Contmintion whih rises out of or s onsequene of ny ishrge, relese or espe of Legionell or other ir-orne pthogens from wter tnks, wter systems, ir-onitioning plnts, ooling towers n the like if efore the Perio of Insurne the Insure h eome wre of irumstnes whih hve given or my give rise to suh Pollution or Contmintion. Allinz 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 the 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. 12 Corporte Mnslughter n Corporte Homiie At 2007 Legl Defene Costs Allinz will inemnify the Insure in respet of legl osts n expenses inurre with the prior written onsent of the Allinz 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 Allinz grees etils of the speifi soliitor or ounsel who re to t on ehlf of the Insure prior to their ppointment. 27

Complete Property Owner Poliy Woring Setion 3 Property Owners Liility (ontinue) Setion Exlusions The Poliy Exlusions 2 n 3 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 loss or mge rising in onnetion with visiting or working 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 irrft or other eril evie me or intene to trvel through ir or spe ny wter-orne vessel or rft other thn i those use for usiness entertinment purposes within inln wters ii hn propelle or siling wterrft whilst within inln wters n not exeeing 75 feet in length. 7 Property in the hrge or ontrol of the Insure Liility in respet of loss or mge 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 loss or mge 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 8 i ove shll not pply to liility in respet of loss or mge to the si goos or property if suh loss or mge 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. 28

Complete Property Owner Poliy Woring 9 Prouts In respet of Injury or loss or mge use y or rising from Prouts ny liility whih tthes to the Insure solely uner the terms of n greement other thn i uner ny wrrnty of goos implie y lw ii uner ny inemnity luse in ny greement etween the Insure n ny inepenent rrier in respet of Injury, loss or mge use y Prouts entruste to suh rrier for trnsit y ro, ril or wterwy ny Prout instlle or inorporte in ny rft esigne to trvel in or through ir or spe n whih to the Insure s knowlege ws intene to e instlle or inorporte in ny suh rft ny lim me ginst the Insure in ny ountry outsie the Europen Union in whih the Insure oupy premises or re represente y ny resient Employee or holer of the Insure s power of ttorney. 10 Avie n Design Liility for Injury or loss or mge 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 other thn where provie or performe in onnetion with ny Prout. 11 Contrt Works n J.C.T. Cluse 6.5.1 Liility in respet of loss or mge to ny property 13 Slings n Crles Liility for Injury or loss or mge rising out of the opertion of sling n/or rle. 14 Computer Dte Exlusion Liility rising iretly or iniretly 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 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, orretly to mnipulte, interpret, lulte or proess ny t on or fter ny te. 15 Exess The mount of ny Exess speifie in the Sheule. omprising or to e inorporte in the ontrt works in respet of ny ontrt unertken y the Insure 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. 12 Mnul Work Liility rising from or s onsequene of ny mnul work rrie out wy from ny premises elonging, lese, rente or hire to the Insure other thn elivery or olletion. 29

Complete Property Owner Poliy Woring Setion 3 Property Owners Liility (ontinue) Setion Conitions The Poliy Conitions 1 to 11 inlusive pply to this Setion n in ition the following: 1 Bon fie Suontrtors In respet of work ommening within the Perio of Insurne, it is onition preeent to ny liility of the Insurer in respet of Injury, loss, estrution or mge 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 for the Insure insurne s follows: Employers Liility insurne in orne with ny lw relting to ompulsory insurne of liility to employees Puli Liility insurne overing legl liility for injury to ny person other thn liility esrie in ove n loss, estrution or mge to property with Limit of Inemnity not less thn 2,000,000.This onition oes not pply where on fie suontrtors re engge to rry out work on ehlf of the Insure in n emergeny n there is insuffiient time to otin written eviene of insurne provie tht the Insure shll otin verl onfirmtion from suh suontrtors tht insurne s esrie in n ove is in fore n onfirm suh onverstion in writing n retin opy s written reor. 2 Other Insurnes The Insurer will not inemnify the Insure in respet of liility whih is insure y or woul ut for the existene of this Setion e insure y ny other poliy or setion exept in respet of ny exess eyon the mount pyle uner suh other poliy or setion or whih woul hve een pyle uner suh other poliy or setion h this Setion not een effete. 30

Complete Property Owner Poliy Woring Setion 4 Employers Liility Definitions Business The Business speifie in the Sheule onute solely from Gret Britin, Northern Ireln, the Isle of Mn or the Chnnel Islns n inluing the ownership, mintenne n repir of premises use in onnetion therewith the provision n mngement of nteen, soil, sports or welfre orgnistions for the enefit of Employees n the mulne, first i, fire, meil n seurity servies of the Insure the exeution of privte uties y Employees for ny prtner, iretor or senior offiil of the Insure. Employee Any person uner ontrt of servie or pprentieship with the Insure ny of the following persons whilst working for the Insure in onnetion with the Business i ny lour mster or lour only suontrtor or person supplie y him ii ny self-employe person proviing lour only iii ny trinee or person unergoing work experiene iv ny voluntry helper v ny person who is orrowe y or hire to the Insure. Injury Boily injury, eth, isese, illness, mentl injury or nervous shok. Offshore Instlltions Any instlltion in the se or til wters whih is intene for unerwter exploittion of minerl resoures or explortion with view to suh exploittion ny instlltion in the se or til wters whih is intene for the storge or reovery of gs ny pipe or system of pipes in the se or til wters ny instlltion whih is intene to provie ommotion for persons who work on or from the lotions speifie in Definition 4.., 4.. or 4.. ove. Territoril Limits Gret Britin, Northern Ireln, the Isle of Mn n the Chnnel Islns elsewhere in the worl in respet of Injury sustine y ny Employee resient within the territories speifie in Definition 5.. 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. 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. Cost n Expenses The Insurer will lso py osts n expenses inurre y the Insurer or with the written onsent of the Insurer 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 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 31

Complete Property Owner Poliy Woring Setion 4 Employers Liility (ontinue) 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 request 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 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 re leglly lile n woul hve een entitle to inemnity uner this Setion if the lim h een me ginst the Insure. Provie tht i ii eh suh prty shll oserve fulfil n e sujet to the terms n onitions of this Setion in so fr s they n pply the Insurer s liility to the Insure n ll prties inemnifie shll not exee in totl the Limit of Inemnity speifie in the Sheule. 2 Helth n Sfety t Work 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 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 Employee the Insurer shll hve the 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 t or omission osts or expenses insure y ny other insurne. 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 the territories speifie in Definition 4.. ginst ny person or orporte oy omiile or operting from premises within suh territories n remins wholly or prtly unstisfie six months fter the te of suh jugement the Insurer will if the Insure so request py to the si Employee the mount of ny suh ompenstion n osts to the extent tht they remin unstisfie 32

Complete Property Owner Poliy Woring Provie tht i ii iii there is no ppel outstning the Employee shll hve ssigne the jugement to the Insurer this Setion ws shown 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 Allinz will inemnify the Insure in respet of legl osts n expenses inurre with the prior written onsent of the Allinz 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 iii iv v 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 the 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. Setion Exlusions Poliy Exlusion 3 pplies to this Setion n in ition the Insurer will not py for: 1 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. 2 Work on Offshore Instlltions Liility in respet of Injury to ny Employee who is working on, visiting or trvelling to or from Offshore Instlltions. 3 Slings n Crles Liility in respet of Injury to ny Employee operting sling n/or rle. Provie tht Allinz grees etils of the speifi soliitor or ounsel who re to t on ehlf of the Insure prior to their ppointment. Allinz will not py for i ii 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 33

Complete Property Owner Poliy Woring Setion 4 Employers Liility (ontinue) Setion Conitions The Poliy Conitions 2, 3, 4, 6, 7, 10 n 11 pply to this Setion n in ition the following: 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 in Definition 4.. 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 If this Poliy or Setion is nelle ny ertifite of Employers Liility insurne issue hereuner is similrly nelle from the sme te. 3 Altertion If t ny time nything shll our or e one whih mterilly ffets the risk insure the Insure shll give immeite notie in writing to the Insurer. 4 Other Insurnes The Insurer will not inemnify the Insure in respet of liility whih is insure y or woul ut for the existene of this Setion e insure y ny other poliy or setion exept in respet of ny exess eyon the mount pyle uner suh other poliy or setion or whih woul hve een pyle uner suh other poliy or setion h this Setion not een effete. 34

Complete Property Owner 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. Deth Deth use y Aientl Boily Injury/Injuries 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: 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. 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. 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: Deth Permnent Totl Dislement 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. Memer Any prtner, proprietor or working iretor of the Insure etween the ges of 16 n 65 yers. Opertive Time of Cover 24 hours. 35

Complete Property Owner Poliy Woring Setion 5 Personl Aient (ontinue) 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 Permnent Totl Dislement 100% 2 Loss of Lim 100% 3 Loss of Sight 100% Loss of Hering 50% Loss of Hering in one er 10% 4 Permnent loss y physil seprtion of e one thum i oth phlnges 20% ii one phlnge 7% 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. 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. 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 thereof) 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 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 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. 36

Complete Property Owner Poliy Woring 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, 2, 5, 6, 8 12 n 14 pply to this Setion n in ition 1 Clims (1) If nything ours whih is likely to give rise to lim uner this Setion the Insure or the Memer onerne or his/her legl personl representtive 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 ny lim uner this poliy n shll when require y the Insurer n with ll resonle spee n t their own expense give the Insurer suh further prtiulrs s the Insurer my require. 2 Clims (2) As soon s resonly possile fter the ourrene of n ient the Memer onerne must ple themselves uner the re of uly qulifie meil prtitioner whose vie they shll follow. The si Memer shll sumit to ny meil exmintion me on the Insurer s ehlf n in the event of eth of the Memer, the Insurer shll e entitle to mke post-mortem exmintion t the Insurer s own expense. 3 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. 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. 37

Complete Property Owner 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. 38

Complete Property Owner 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. 39

Complete Property Owner 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. 40

Complete Property Owner 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. 41

Complete Property Owner 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. 42

Complete Property Owner 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. 43

Complete Property Owner 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. 44

Complete Property Owner 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. 45

Complete Property Owner 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. 46

Complete Property Owner 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. 47

Complete Property Owner 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. 48

Complete Property Owner 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 49

Complete Property Owner 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. 50

Complete Property Owner 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 51

Complete Property Owner 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 over. 52

Complete Property Owner Poliy Woring 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. 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. 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. 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 e pyle y the Insure n will e onfirme y the Det Reovery Servie to the Insure t the pproprite time. 53

Complete Property Owner 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 8256 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. 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. 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. 54

Complete Property Owner Poliy Woring Glss Replement Broken glss is ngerous for oth yourself n your ustomers n in some irumstnes, n e mjor seurity risk. Allinz hve negotite speil rrngement for you, with one of Britin s leing glss replement speilists, Solglss Winowre. Solglss Winowre will ill us iret you py nothing exept the poliy exess n the VAT. The servies is ville 24 hours y, ll yer roun, n n e telephone FREE on 0800 474747. 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 of experts with hns-on experiene. To ontt Business Link, telephone 0845 600 9006 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 55

Complete Property Owner 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 8256 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 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 Brief summry of the prolem 56

Complete Property Owner 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 57

Complete Property Owner 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 numer: 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. 58

Complete Property Owner 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. 59

Complete Property Owner Poliy Woring This pge is left intentionlly lnk 60

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. ACOM686/9 11.13