A claims-made policy covering liability for third party injury caused by legionellosis arising out of the business. The risk arises from recirculating hot and cold water systems. Insurers regard third party claims as ‘gradual pollution’ claims and thus exclude them under public liability insurance. Cover is granted under legionellosis liability cover. The employers’ liability policy responds to legionellosis claims as specific diseases cannot be excluded under this compulsory form of insurance.