An award of damages to an individual that remains unpaid. An employers’ liability policy pays for unsatisfied court judgments awarded against third parties in favour of employees injured in circumstances to which the ployers’ liability policy would have applied had the employer been the party liable. The insurer will pay the damages if they are unsatisfied six months after judgment provided no appeal is outstanding. It is a condition that the employee’s rights are assigned to the insurer. See REVERSE LIABILITY.

Expenses that are insured as a part of the gross profit item under a business interruption insurance. They relate to expenses that will continue despite the interruption in the business, e.g. rent and interest payments. See SPECIFIED WORKING EXPENSES.