Main Programme Insurance

Material Damage  Fire, lightning and explosion  Explosion  Aircraft and other aerial devices or articles dropped from them  Riot, civil commotion, strikers, locked-out workers or persons taking part in labour disturbances or malicious persons acting on behalf of or in connection with any political organisation  Riot, civil commotion, strikers, locked out workers or persons taking part in labour disturbances or malicious persons  Earthquake  Subterranean fire  Spontaneous Fermentation or Heating  Storm or Flood  Escape of water from any tank, apparatus or pipe  Impact including Own Vehicles  Sprinkler Leakage  Theft involving breaking into or out of the buildings at the premises by forcible or violent means  Breakage or collapse of audio or visual communication apparatus  Accidental breakage of fixed glass or fixed sanitary ware  Accidental damage to supply pipes and cables serving the buildings  Falling trees or branches  Leakage of fuel oil from any fixed oil-fired installation including smoke and smudge damage arising from defective vaporisation Business Interruption  Fire, lightning, explosion  Explosion  Aircraft or other aerial devices or articles dropped therefrom  Riot, civil commotion, strikers, locked-out workers or persons taking part in labour disturbances or malicious persons acting on behalf of or in connection with any political organisation  Riot, civil commotion, strikers, locked out workers or persons taking part in labour disturbances or malicious persons  Earthquake  Storm or Flood  Escape of water from any tank, apparatus or pipe  Impact including own vehicles  Sprinkler Leakage  Accidental breakage of fixed glass or fixed sanitary ware Specified All Risks "All Risks" of accidental loss or damage, including theft and whilst in transit. Theft Theft involving:  forcible and violent entry to or exit from any building at the premises or any attempt at such theft;  personal violence or threat of personal violence to any employee. Work in Progress In the event of damage occurring during the period of insurance the insurer will pay to the insured the value of the property insured at the time of the damage or the cost of repair of the damage or at the insurer's option reinstate or replace the property or any portion of it.

Cover  Fire, lightning, thunderbolt, explosion  Riot, civil commotion, strikers, locked out workers or persons taking part in labour disturbances or malicious persons  Malicious persons  Aircraft or other aerial devices or articles dropped from them  Earthquake, subterranean fire  Storm or flood  Escape of water from any tank, apparatus or pipe  Falling trees or branches  Impact by any road vehicle or animal  Theft (forcible/violent only)  Leakage of oil from any fixed oil-fired heating installation  Breakage or collapse of TV or Radio Signalling apparatus  Accidental breakage of fixed glass and fixed sanitary ware  Accidental damage to fuel oil supply pipes, water gas supply pipes etc.  Subsidence, ground heave or landslip

Cover  Fire, lightning and explosion  Explosion  Aircraft or other aerial devices or articles dropped from them  Riot civil commotion strikers locked-out workers or persons taking part in labour disturbances or malicious persons acting on behalf of or in connection with any political organisation  Storm or flood  Escape of water from any tank apparatus or pipe  Impact by any road vehicle or animal not belonging to or under the control of the insured or any occupier of the premises or their respective employees  Theft or attempted theft (forcible & violent entry to or exit from a building)

Cover Insurance of property against physical loss or physical damage occurring during the period of the insurance caused by an Act of Terrorism and/or Sabotage.

Employer's Liability Cover Indemnity against legal liability to pay compensation for bodily injury, illness or disease (including death) sustained by an employee arising out of and in the course of employment by the insured in connection with the business and caused during the period of insurance. Including: a) Claimant's Costs and Expenses; b) Defence Costs and Expenses - including: i. costs incurred with the insurer's written consent in defending any claim for damages; ii. costs incurred with the insurer's written consent for:  representation at any coroner's inquest or fatal injury inquiry;  defending in any court of summary jurisdiction any proceedings in respect of any act or omission; relating to any event which may be the subject of indemnity. Public/Products Liability Cover Indemnity in respect of all sums which the insured shall become legally liable to pay as damages in respect of: a) accidental injury to any person other than an employee; b) accidental damage to property; c) accidental obstruction, accidental trespass, accidental nuisance, accidental interference with pedestrian, road, rail, air or waterborne traffic, accidental invasion of the right of privacy, accidental interference with any right of air, light water or way, wrongful interference with goods; d) wrongful arrest or false imprisonment; occurring during the period of insurance within the territorial limits in the business. The insurer will also pay costs and expenses. Costs and expenses will be payable in addition to the limit of indemnity other than in respect of any claim made or brought: a) in the United States of America or Canada or territories under their jurisdiction; b) under or in consequence of any judgement or order in or under the laws of the United States of America or Canada or territories under their jurisdiction; where the limit of indemnity will be inclusive of costs and expenses. Officials Indemnity Cover Negligent and Accidental Acts or Omissions Indemnity in respect of sums which the insured may become legally liable to pay as damages for financial loss directly caused by a negligent and accidental act or omission committed or alleged to have been committed within the territorial limits by an employee or member in the normal execution of their duties for the business for which a claim is first made against the insured and is notified to the insurer during the period of insurance. In addition the insurer will pay costs and expenses. Elections In connection with the conducting of elections the insurer will indemnify the insured and at the insured's request any Returning Officer, Acting Returning Officer or Counting Officer against: a) reasonable legal expenses necessarily incurred in connection with the defence of any proceedings brought against the insured or any Returning Officer, Acting Returning Officer or Counting Officer; b) the cost of holding another election in the event of the original election being declared invalid. Libel & Slander Cover Indemnity in respect of all sums which the insured may become legally liable to pay as damages for: a) libels appearing in any publications normal in the business by: i. any member provided such publications were specifically authorised by the insured ii. any employee b) slanders in oral utterances made by any member or employee arising out of and in the course of: i. the discharge of official duties on behalf of the insured ii. in the case of a member the insured's official business at meetings or of the insured or its committees or subcommittees or any occasion when the member is specifically authorised to represent the insured for which a claim is first made against the insured and notified to the insurer during the period of insurance or within 12 months of this part ceasing to operate. Land Charges Cover Indemnity in respect financial loss arising from or in consequence of any act, error, or omission of the insured or any employee in respect of: a) information provided or made available on questions of fact concerning land or buildings in respect of which the insured are required to maintain and do maintain a register or other records; b) replies given to questions (other than questions of fact referred to above) added to the approved printed form of enquiry and issued at the same time as the search certificate provided always that such replies are given subject to a disclaimer of liability in a form approved by the insurer for which a claim is first made against the insured and is notified to the insurer during the period of insurance. In addition, the insurer will pay costs and expenses. Professional Indemnity Cover Indemnity in respect of all sums which the insured may become legally liable to pay as damages for financial loss arising from breach of professional duty be reason of any negligent act, error or omission committed or alleged to have been committed by an employee in providing the services within the territorial limits and for which a claim is first made against the insured and is notified to the insurer during the period of insurance. Including in addition Costs and Expenses. Public Health Act Cover Indemnity in respect of: a) all sums which the insured becomes legally liable to pay under the terms of any legislation pertaining to public health to any person who complies with a notice to cease such sums constituting: i. the net loss of income sustained by any such person comprising: 1. the amount of any wage or salary; 2. any other earned income; ii. damage to property of any such person; b) compensation paid by the insured under the terms of Section 31(4) of the Public Health (Control of Disease) Act 1984; provided always that such notice is served and the damage is ordered during the period of insurance.

Cover Employee Dishonesty Loss arising from loss of assets resulting directly from any act of fraud or dishonesty committed on or after the retroactive date by an employee acting alone or in collusion with others which is first discovered during the period of insurance. Computer Fraud and Funds Transfer Fraud Loss by theft committed on or after the retroactive date which is first discovered during the period of insurance of: a) assets due to any fraudulent or dishonest misuse or manipulation by a third party of the computer hardware, software programs or systems operated by the insured b) insured funds or those for which the insured is responsible at law from an account maintained by the insured at a financial institution following fraudulent electronic, telegraphic, cable, telephone or written instructions to debit such account and to transfer, pay or deliver funds from such account and which instructions purport to have come from the insured but which are fraudulently altered, transmitted or issued by a third party or are a forgery. Forgery and Counterfeiting Loss occurring on or after the retroactive date which is first discovered during the period of insurance: a) of assets resulting from forgery b) arising from the acceptance by the insured in good faith in exchange for money, goods or services of any post office or express money order issued or purporting to have been issued by any post office or express office if such money order is not paid on presentation Including indemnity in respect of loss arising from counterfeiting.

Personal Accident Cover If an insured person sustains accidental bodily injury during the operative time which within two years solely and independently of any other cause results in death, disablement or the incurring of medical expenses, insurers will pay the insured or, in the case of medical expenses, the insured or an insured person the amount appropriate to the benefit shown in the schedule. Business Travel Cover  Overseas Medical Expenses, Travel Expenses and Emergency Repatriation Expenses  Personal Property  Money  Electronic Business Equipment  Cancellation, Curtailment, Rearrangement and Replacement Expenses  Kidnap  Political and Natural Disaster Evacuation  Legal Expenses  Personal Liability

Cover Material Damage  Accident (excluding breakdown, fire perils and residual breakdown) Data and Information  Accident  Fire, lightning, explosion or aircraft or other aerial devices dropped from them  Breakdown  Denial of Access  Failure of Electricity Supply  Failure of Telecommunications  Erasure Additional Expenditure  Accident  Fire, lightning, explosion or aircraft or other aerial devices dropped from them  Breakdown  Denial of Access  Failure of Electricity Supply  Failure of Telecommunications  Erasure

Cover Inspection service Provide the Council with an inspection service for plant within normal working hours at the sites shown in the plant schedules.

Cover Comprehensive Use Use for social domestic and pleasure and the business of the Council. Drivers Any authorised licensed driver.

This Lot comprises the following lots only: 1 Material Damage  Business Interruption  Specified All Risks  Theft  Works in Progress 2 Houseowner 3 Property Owners 5 Employer's Liability  Public/Products Liability  Officials Indemnity  Libel & Slander  Land Charges  Professional Indemnity  Public Health Act 6 Crime 10 Motor Fleet