The insurer will not pay legal expenses arising from or relating to: i)
ii)
iii) iv)
v) vi) vii)
any benefit due under a contract of employment; any payment made in respect of redundancy;
any award made because of the insured’s failure to provide written reasons for dismissal;
any awards to the extent that they relate to contractual rights accruing to the employee, ex- employee or prospective employee prior to the actual or alleged breach of the actual or alleged contract of employment an additional award; a protective award;
any interim relief or other interim payment;
Section C - Prosecution the defence of any legal proceedings arising from:
1) any actual or alleged act or omission by the insured which results in the service of an improvement, prohibition or suspension notice under the:
i) Health and Safety at Work, etc. Act 1974 or the Health and Safety (Northern Ireland) Order 1978; ii) Food Safety Act 1990; iii) Consumer Protection Act 1987
against which the insured wishes to appeal. 2) civil action taken against the insured for:
i) wrongful arrest in respect of an accusation of theft; ii) any activities as a trustee of a pension fund set up for the benefit of the insured’s employees.
3) the insured’s prosecution in a court of criminal jurisdiction. Exclusions specific to Section C - Prosecution The insurer will not pay legal expenses arising from or relating to:
i) the ownership, possession, hiring or use of a motor vehicle, aircraft or water craft; ii) any alleged deliberate or intentional act unless charges are dismissed or the insured is acquitted.
Section D1 - Contract
the pursuit or defence of legal proceedings arising from a dispute with a customer or supplier, in respect of a contract with that customer or supplier, for the sale, purchase, hire or supply of goods or services. The amount in dispute must exceed the minimum amount in dispute specified in the schedule.
Exclusions specific to Section D1 The insurer will not pay legal expenses arising from or relating to:
i) an undisputed debt owed to the insured; ii) any licence or franchise agreements; iii) a dispute about either the amount an insurance company should pay to settle an insurance claim or the way a claim should be settled;
iv) the letting or tenancy of property; v) the construction, extension, alteration, demolition, repair, renovation or refurbishment of any property; vi) the ownership, possession, hiring or use of a motor vehicle, aircraft or water craft.
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