An assignment that permits an assignee to sue in his own name. The Policies of Assurance Act 1867 allows the assignee to sue on the policy provided he has given notice to the insurer in writing. The policy must be endorsed or the assignment must be by separate instrument. See EQUITABLE ASSIGNMENT.

A liability policy clause indemnifying the insured against his own defence costs if incurred with the insurer’s consent. These costs are borne by the insurer in addition to damages and claimants’ costs tha are subject to the specified limit of indemnity. The legal costs form a part of the indemnity limit only if the limit is costs inclusive.
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The extension of a liability insurance to provide for the payment of the insured’s legal costs in litigation other than the defence of the insured against claims arising under the liability insurance (which costs are commonly covered by the insurance in any event).

An insurance for individuals, families and businesses to enable them to meet the cost of defending or pursuing certain civil actions. Cover is also available for defending prosecutions and allowance is made for attendance expenses in connection with court hearings or similar proceedings. See COMan MERCIAL LEGAL EXPENSES; MOTOR LEGAL EXPENSES.
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A group form of insurance which provides members with legal services paid for on a schedule basis. Similar to Dental Insurance.

Person who administers the estate of a deceased person. If nominated in a will, the person is an executor. A person appointed by the court is an administrator. As personal actions survive the death of a person, liability policies indemnify the insured’s legal personal representatives.
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The executor or administrator of an estate.

Infections caused by legionella. Legionnaires’ disease is a lifethreatening form of pneumonia caused by legionella pneumophila bacteria. The business risks are: closure during outbreak investigation; clean up costs; claims from employees and third parties; business interruption when nearby attraction closes due to outbreak. Property owners may suffer void periods and lower rents. Relevant statutory requirements include HSWA and Management of Health and Safety at Work Regulations 1992. Insurance solutions include business interruption cover, clean up costs cover and legionellosis liability.

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.