Page 114 - Agriculture Policy Wording Binder

Combined Liability (Claims-made Basis)
Event
any one occurrence, or all occurrences of a series consequent upon, or attributable to, one originating cause including but not limited to one or more occurrences
of bodily injury or personal injury or loss of or damage to property, relating
to the same fault in design, manufacture, instructions for use, packaging or labelling or attributable to the supply of the same product or products showing
the same defect or the same action or failure to act, and will be treated as one single occurrence, irrespective of the number of injured parties, actual claimants, potential or eligible claimants, and whether or not brought by class action or individually by the claimants concerned
First amount payable
the amount stated in the Schedule, which will be payable by the Insured for each event in respect of all damages, claimant’s costs and expenses and Defence Costs (including investigation costs other than the company’s own salary and other internal costs), before the Company will be liable to make any payment under this Section of the Policy
Limit of indemnity
the total liability of the Company for all amounts payable in accordance with the Defined Events, and will not exceed the amount stated in the Schedule.
If an event gives rise to a claim or a series of claims which form the subject of an indemnity under more than one operative section of this Section of the Policy, the total amount of the Company’s liability will at all times be limited to the greatest limit of indemnity available under any one of the operative sections in this Section of the Policy affording indemnity for the claim or series of claims.
The limit of indemnity will be determined with reference to the Schedule, or such other limit as may apply by virtue of an endorsement to, or specific sub-limit set out in this Section of the Policy
Offshore work
Personal injury
Pollutants
any solid, liquid, gaseous or thermal irritants, smoke, vapour, soot, fumes, acids, alkalis, chemicals, waste or other substances or contaminants, bacteria, molds or other fungi (including but not limited to mildew or mycotoxins or spores or any other substance or product produced or released by molds or fungi), which actually or are alleged to adversely affect land, water, atmosphere, property, buildings, other structures or people, animals, plants, and all other living organisms, or the general environment
Pollution Hazard
1. actual, alleged, or threatened:
1.1 ingestion, inhalation, absorption, release, escape, discharge, dispersal, seepage of, contact with, or exposure to pollutants;
1.2 subsequent spread, migration or movement of pollutants following 1.1 above;
2. the costs of cleaning up, containing, treating, detoxifying, neutralising, removing, monitoring of, or testing for, pollutants and their effects, whether or not these are performed by the Insured or third parties
Product
any goods (including packaging, containers, labelling, instructions or advice, provided in connection therewith):
1. sold, supplied or distributed by or on behalf of the Named Insured;
2. erected, repaired, serviced, altered, treated or installed by the Named Insured;
3. in the course of the business, and which have left the care, custody or control of the Named Insured
embarkation onto a conveyance until disembarkation from such conveyance at the point of final departure for transport to and from an offshore installation or vessel, transit between or work on an offshore installation or vessel
bodily Injury, invasion of the right to privacy, discrimination, libel and slander, defamation of character, wrongful arrest, detention, imprisonment, eviction or wrongful accusation of shoplifting
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Policy Wording – Agriculture – Binder – Version 2 2023