Support activities so closely related to the ‘Business of the insured that they are regarded as integral to it. The definition of ‘Business’ in liability policies extends to include ownership, maintenance and repair of premises, the provision and management of canteens, social, sports or welfare organisations for the benefit of employees and the insured’s ambulance, first aid (excluding medical practitioners) and fire services. The private work clause brings in a non-business situation, i.e. cover applies to the execution of private work by employees for any director or senior official of the insured.

For an insurer, authorised by the FSA to insure a principal risk under one of the general classes of insurance, it means a risk included in another class that is connected with the principal risk. Ancillary risks can be insured (a) when concerned with the object covered against the principal risk, and (b) when included in the same policy covering the principal risk. However, risks arising under credit insurance, suretyship and legal expense insurance cannot be treated as ancillary risks but legal expenses cover permitted as ancillary in travel policies, or when connected with the use of sea-going vessels.