Common use of Liability to Others Clause in Contracts

Liability to Others. Driving your vehicle We will provide insurance for any accident you have while you are driving, using or in charge of your vehicle or while you are loading or unloading it. We will insure you for all amounts you may legally have to pay for causing death or injury to other people. The most we will pay for property damage is £5,000,000 for any claim or claims arising out of one incident. We will pay up to £5,000,000 for any costs and expenses arising out of a claim or claims arising from one incident. If there is a property-damage claim made against more than one person covered by this insurance, we will first deal with any claim made against you. Other people driving or using your vehicle In the same way you are insured, we will also cover the following people: • Any person you allow to drive or use your vehicle, as long as this is allowed by your current certificate of motor insurance and has not been excluded by an endorsement, exception or condition • Any passenger who has an accident while travelling in or getting into or out of the insured vehicle, as long as you ask us to cover the passenger Legal personal representatives After the death of anyone who is covered by this insurance, we will deal with any claim made against that person’s estate, as long as the claim is covered by this insurance. Cover for principals As far as is necessary to meet the requirements of any agreement or contract entered into by you for the performance of work, we will insure the principal at your request - provided the principal complies with the terms and conditions of this insurance in so far as they can apply. Legal costs In respect of any event which is covered under this section, if we first agree in writing, we will arrange and pay: • Up to £35,000 towards your legal fees and expenses for defending legal proceedings, including appeals, and • Up to £1,000,000 towards the cost of any prosecution awarded against you arising from any health-and-safety enquiry or criminal proceedings for breaking the: o Health and Safety at Work Act 1974 o Health and Safety at Work (Northern Ireland) Order 1978 or o Corporate Manslaughter and Corporate Homicide Act 2007 We will not provide this cover: • Unless the proceedings relate to an actual or alleged act, failure to act or accident that happens during the period of insurance within the United Kingdom and in connection with your business • Unless the proceedings relate to an actual or alleged act, failure to act or accident arising from you, or a person on your behalf using, or you having or owning, a motor vehicle or trailer where compulsory insurance or security is required by the Road Traffic Act • For any proceedings which result from your deliberate act or failure to act or • Where cover is provided by any other policy Towing Under this section we will insure you while any vehicle covered by this insurance is towing a caravan, trailer or a broken-down vehicle (as allowed by law). We will only provide this cover if: • The caravan, trailer or broken-down vehicle is properly secured to your vehicle by towing equipment made for the purpose and • The method of towing the caravan, trailer or broken-down vehicle stays within the manufacturer’s recommended towing limits and any other relevant law We will not pay any claim arising from: • Loss of or damage to the towed caravan, trailer or broken-down vehicle • Loss of or damage to any property being carried in or on the towed caravan, trailer or broken-down vehicle • A caravan, trailer or broken-down vehicle being towed for reward • Towing more trailers than the number allowed by law or • If more than one caravan or broken-down vehicle is being towed at any one time Emergency medical treatment Where we must provide cover under the Road Traffic Act, we will pay for emergency medical treatment that is needed after an accident involving any vehicle which this insurance covers. This cover only applies in the United Kingdom and where we must provide it under the Road Traffic Acts.

Liability to Others. Driving your vehicle We will provide insurance for any accident you have while you are driving, using or in charge of your vehicle or while you are loading or unloading it. We will insure you for all amounts you may legally have to pay for causing death or injury to other people. The most we will pay for property damage is £5,000,000 for any claim or claims arising out of one incident. We will pay up to £5,000,000 for any costs and expenses arising out of a claim or claims arising from one incident. If there is a property-damage claim made against more than one person covered by this insurance, we will first deal with any claim made against you. Other people driving or using your vehicle In the same way you are insured, we will also cover the following people: • Any person you allow to drive or use your vehicle, as long as if this is allowed by your current certificate of motor insurance and has not been excluded by an endorsement, exception exception, or condition • Any passenger who has an accident while travelling in or getting into or out of the insured vehicle, as long as if you ask us to cover the passenger Legal personal representatives After the death of anyone who is covered by this insurance, we will deal with any claim made against that person’s estate, as long as if the claim is covered by this insurance. Cover for principals As far as is necessary to meet the requirements of any agreement or contract entered into by you for the performance of work, we will insure the principal at your request - provided the principal complies with the terms and conditions of this insurance in so far as they can apply. Legal costs In respect of any event which is covered under this section, if we first agree in writing, we will arrange and pay: • Up to £35,000 towards your legal fees and expenses for defending legal proceedings, including appeals, and • Up to £1,000,000 towards the cost of any prosecution awarded against you arising from any health-and-safety enquiry or criminal proceedings for breaking the: o Health and Safety at Work Act 1974 o Health and Safety at Work (Northern Ireland) Order 1978 or o Corporate Manslaughter and Corporate Homicide Act 2007 We will not provide this cover: • Unless the proceedings relate to an actual or alleged act, failure to act or accident that happens during the period of insurance within the United Kingdom and in connection with your business • Unless the proceedings relate to an actual or alleged act, failure to act or accident arising from you, or a person on your behalf using, or you having or owning, a motor vehicle or trailer where compulsory insurance or security is required by the Road Traffic Act • For any proceedings which result from your deliberate act or failure to act or • Where cover is provided by any other policy Towing Under this section we will insure you while any vehicle covered by this insurance is towing a caravan, trailer or a broken-down vehicle (as allowed by law). We will only provide this cover if: • The caravan, trailer or broken-down vehicle is properly secured to your vehicle by towing equipment made for the purpose and • The method of towing the caravan, trailer or broken-down vehicle stays within the manufacturer’s recommended towing limits and any other relevant law We will not pay any claim arising from: • Loss of or damage to the towed caravan, trailer or broken-down vehicle • Loss of or damage to any property being carried in or on the towed caravan, trailer or broken-down vehicle • A caravan, trailer or broken-down vehicle being towed for reward • Towing more trailers than the number allowed by law or • If more than one caravan or broken-down vehicle is being towed at any one time Emergency medical treatment Where we must provide cover under the Road Traffic Act, we will pay for emergency medical treatment that is needed after an accident involving any vehicle which this insurance covers. This cover only applies in the United Kingdom and where we must provide it under the Road Traffic Acts.

Liability to Others. Driving your vehicle We will provide insurance for any accident you have while you are driving, using or in charge of your vehicle or while you are loading or unloading it. We will insure you for all amounts you may legally have to pay for causing death or injury to other people. The most we will pay for property damage is £5,000,000 for any claim or claims arising out of one incident. We will pay up to £5,000,000 for any costs and expenses arising out of a claim or claims arising from one incident. If there is a property-damage claim made against more than one person covered by this insurance, we will first deal with any claim made against you. Other people driving or using your vehicle In the same way you are insured, we will also cover the following people: • Any person you allow to drive or use your vehicle, as long as this is allowed by your current certificate of motor insurance and has not been excluded by an endorsement, exception or condition • Any passenger who has an accident while travelling in or getting into or out of the insured vehicle, as long as you ask us to cover the passenger Legal personal representatives After the death of anyone who is covered by this insurance, we will deal with any claim made against that person’s estate, as long as the claim is covered by this insurance. Cover for principals As far as is necessary to meet the requirements of any agreement or contract entered into by you for the performance of work, we will insure the principal at your request - provided the principal complies with the terms and conditions of this insurance in so far as they can apply. Legal costs In respect of any event which is covered under this section, if we first agree in writing, we will arrange and pay: • Up to £35,000 towards your legal fees and expenses for defending legal proceedings, including appeals, and • Up to £1,000,000 towards the cost of any prosecution awarded against you arising from any health-and-and- safety enquiry or criminal proceedings for breaking the: o Health and Safety at Work Act 1974 o Health and Safety at Work (Northern Ireland) Order 1978 or o Corporate Manslaughter and Corporate Homicide Act 2007 We will not provide this cover: • Unless the proceedings relate to an actual or alleged act, failure to act or accident that happens during the period of insurance within the United Kingdom and in connection with your business • Unless the proceedings relate to an actual or alleged act, failure to act or accident arising from you, or a person on your behalf using, or you having or owning, a motor vehicle or trailer where compulsory insurance or security is required by the Road Traffic Act • For any proceedings which result from your deliberate act or failure to act or • Where cover is provided by any other policy Towing Under this section we will insure you while any vehicle covered by this insurance is towing a caravan, trailer or a broken-down vehicle (as allowed by law). We will only provide this cover if: • The caravan, trailer or broken-down vehicle is properly secured to your vehicle by towing equipment made for the purpose and • The method of towing the caravan, trailer or broken-down vehicle stays within the manufacturer’s recommended towing limits and any other relevant law We will not pay any claim arising from: • Loss of or damage to the towed caravan, trailer or broken-down vehicle • Loss of or damage to any property being carried in or on the towed caravan, trailer or broken-down vehicle • A caravan, trailer or broken-down vehicle being towed for reward • Towing more trailers than the number allowed by law or • If more than one caravan or broken-down vehicle is being towed at any one time Emergency medical treatment Where we must provide cover under the Road Traffic Act, we will pay for emergency medical treatment that is needed after an accident involving any vehicle which this insurance covers. This cover only applies in the United Kingdom and where we must provide it under the Road Traffic Acts.