Shop terrorism T989

• Northern Ireland Exclusion
• Employers Liability Revised Limit T989B

Terrorism Exclusion T989A

General Exclusion 2 is cancelled and replaced as follows:

2 A - Exclusion in respect of terrorism

This Policy does not cover damage, cost or expense directly or indirectly caused by, contributed to by, resulting from, or arising out of or in connection with:

1. any act, or preparation in respect of action, or threat of action designed to influence the government de jure or de facto of any nation or any political division of any nation, or in pursuit of political, religious, ideological, or similar purposes to intimidate the public or a section of the public of any nation by any person or group(s) of persons whether acting alone or on behalf of or in connection with any organisation(s) or government(s) de jure or de facto, and which:
   1. involves violence against one or more persons; or
   2. involves damage to property; or
   3. endangers life other than that of the person committing the action; or
   4. creates a risk to health and safety of the public or a section of the public; or
   5. is designed to interfere with or to disrupt an electronic system
2. any action in controlling, preventing, suppressing, retaliating against, or responding to any act, or preparation in respect of action, or threat of action described in (a) above.

If we decide that by reason of this EXCLUSION damage or loss resulting from such damage is not insured and you dispute our decision you must prove that this EXCLUSION should not apply.

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B - Northern Ireland Exclusion

This Policy does not cover damage to any property in Northern Ireland or loss resulting from such damage arising from riot civil or political disturbances and (except in respect of damage by fire or explosion) labour disturbances.

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Employers' Liability revised limit T989B

Under section B - Additional Cover 18 - Employers' Liability the most we will pay is £10,000,000 for any one claim against you or by you or series of claims against you or by you arising out of one cause (other than terrorism).

The most we will pay under this Policy in respect of any one claim against you or by you or series of claims against you or by you arising directly or indirectly from terrorism shall be £5,000,000.

For the purposes of this section of the Policy "terrorism" means:

1. any act, or preparation in respect of action, or threat of action designed to influence the government de jure or de facto of any nation or any political division of any nation, or in pursuit of political, religious, ideological, or similar purposes to intimidate the public or a section of the public of any nation by any person or group(s) of persons whether acting alone or on behalf of or in connection with any organisation(s) or government(s) de jure or de facto, and which:
   1. involves violence against one or more persons: or
   2. involves damage to property; or
   3. endangers life other than that of the person committing the action; or
   4. creates a risk to health or safety of the public or a section of the public; or
   5. is designed to interfere with or to disrupt an electronic system
2. any action in controlling, preventing, suppressing, retaliating against, or responding to any act, or preparation in respect of action, or threat of action described in (a) above.

The amount shall be inclusive of:

1. all legal costs and other expenses incurred by any claimant or claimants
2. all legal costs and other expenses incurred in defending any claim or claims.

Where we agree to indemnify more than one party then nothing in this Policy shall increase our liability to pay any amount in respect of one claim or series of claims in excess of the amount stated above.

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