ii)
the defence of any claim for bodily injury. Section K - Counselling
We will provide the employees of the insured with a confidential telephone counselling service. To access this service contact our Advice and Counselling Division on 01455 251500 quoting the verification number specified in the schedule.
This service is available 24-hours a day, 365 days a year. We accept no responsibility for failure of this service for reasons outside our control.
(In addition to the covers available under Sections A - K, this policy also provides the following): Jury Service Allowance
The insurer will indemnify the insured in respect of jury service allowance provided that such attendance commences during the period of insurance and within the territorial limits. Legal Advice
We will provide the insured with confidential advice and guidance on legal matters affecting the business. To access this service contact our Legal Consultants on 01455 251500 quoting the verification number specified in the schedule.
This service is available 24-hours a day, 365 days a year. We accept no responsibility for failure of this service for reasons outside our control.
GENERAL EXCLUSIONS The insurer shall not be liable for legal expenses in respect of: 1. any matter to which we have not given our written consent.
2. the defence of any civil legal proceedings made or brought against the insured arising from any actual or alleged: i)
ii)
iii) iv)
death, bodily injury, disease or illness of any person; loss, destruction or damage to any property; breach of any professional duty;
breach of any duty owed as a director or officer of any company. This does not apply where the actual or alleged
breach relates to taxation disputes and cover is provided under Section F - Taxation.
3. any non-contentious matters with the exception of cover under Section D2 - Debt Recovery. 4. any legal proceedings brought or transferred outside the territorial limits.
5. any legal proceedings where a reasonable estimate of the likely irrecoverable element of any legal expenses to be paid would exceed a realistic financial valuation of the insured’s claim.
6. any legal proceedings where the insured is indemnified by or entitled to be indemnified by any other insurance policy or any policy which the insured is required to hold by law.
7. any actual or alleged act, omission or dispute occurring prior to, or existing at inception or renewal of this policy and which the insured knew (or ought reasonably to have known) was likely to give rise to legal proceedings.
8. any legal proceedings arising from: i)
ii) the insured’s intentional wrongdoing; or an act or omission with reckless disregard as to its consequences.
9. any dispute between the insured and any subsidiary, parent, associated or sister company or between shareholders, directors, partners or any other person who is or would be entitled to indemnity at the insured’s request.
10. damages, fines or penalties of any nature incurred by the insured in legal proceedings. 11. the defence of any legal proceedings arising from or relating to any actual or alleged dishonesty, fraud or 63
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