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CHARTERERS' LIABILITY INSURANCE / PART IV / Clause 1
EXCLUDED RISKS
There shall be no recovery from the Association, except as otherwise provided in the Certificate of Insurance, in respect of:
1.1 Road vehicles
Liabilities which an Assured may incur as the owner or operator of a road vehicle.
1.2 Employers’ liability
The breach of any obligation to an employee (other than Seafarers) owed by the Assured as an employer.
1.3 Bad debts
Loss arising out of irrecoverable debts or out of the insolvency of any person.
1.4 Fraud
Loss arising out of the fraud of agents, or of an Associated Company or of employees of the Assured acting as an agent, unless the Association shall, in its discretion, otherwise determine.