Procurement of General Insurance (excluding Broker and Administration Services)

Business: Provision of operational & compliance analysis of Drinking Water, Waste Water and trade effluents so as to comply with NI Regulations. Provision of sampling & transportation of Drinking Water, waste water, trade effluent compliance & operational samples. This policy provides cover for any loss resulting from any claim which gives rise to a civil liability of the insured incurred solely in the performance of or failure to perform Professional Services. Cover includes: • Intellectual Property • Defamation • Fraud/Dishonesty • Defence • Court Attendance • Lost Documents • Mitigation of Loss

'All Risks' including Theft in respect of Computer and ancillary equipment at the insured's premises or anywhere in the world. (NI Water)

'All Risks' including Theft in respect of Computer and ancillary equipment at the insured's premises or anywhere in the world. (Dalriada and Alpha only)

All risks Physical loss destruction or Breakdown of or physical damage to the Property Insured.

Property Material Damage / Business Interruption - All Risks of accidental damage to property insured

(Alpha) Property Material Damage / Business Interruption - All Risks of accidental damage to property insured

Cover includes: Corporate Manslaughter defence GBP 10,000,000 in the aggregate Pollution Clean-up costs of GBP 10,000,000 in the aggregate Data Protection: GBP 2,000,000 Professional Liability: (Bodily Injury or Property Damage) GBP 1,000,000 Extensions to include use of Drones and cover for Water Outflow Pipe Marker Buoys

Excess Public Liability - £35m/£25m NOTE separate policies per entity for: NI Water Ltd and NI Water Alpha Ltd and Dalriada Water Ltd

Excess Public Liability - £40m/£60m NOTE separate policies per entity for: NI Water Ltd and NI Water Alpha Ltd and Dalriada Water Ltd

Employers Liability for Northern Ireland Water Limited & Subsidiary Companies inc NI Water Alpha Ltd and Dalriada Water Ltd

Excess Employer's Liability £25M over £25M for Northern Ireland Water Limited & Subsidiary Companies inc NI Water Alpha Ltd & Dalriada Water Ltd.

Third Party Only for NI Water vehicles Comprehensive for NI Water Alpha vehicles ONLY

Terrorism Provisional for Northern Ireland Water Limited & Subsidiary Companies.

- Cyber Liability to pay to or on behalf of the Insured, in excess of the applicable Excess. - Multimedia Liability to pay to or on behalf of the Insured, in excess of the applicable Excess. - Payment Card Industry Data Security Standards Liability to pay to or on behalf of the Insured, in excess of the applicable Excess. - Digital Asset Costs to pay to or on behalf of the Insured, in excess of the applicable Excess. - Business Interruption to pay to or on behalf of the Insured, in excess of the applicable Excess. - Cyber Extortion to indemnify the Insured, in excess of the applicable Excess. - Bricking to pay to, or on behalf of, the Insured in excess of the applicable Excess. - Betterment to the extent that cover is not provided under Insuring Clause 4 (Digital Asset Costs), Insuring Clause 5 (Business Interruption), Insuring Clause 8 (Bricking) and/or Insuring Clause 11 (Incident Response Expenses), to pay to, or on behalf of, the Insured in excess of the applicable Excess. - Claims Preparation Expenses. Incident Response Expenses to pay to or on behalf of the Insured, in excess of the applicable Excess. - Waiver of Subrogation.

The policy is to provide: a) Indemnity to individual Directors and Officers of the Insured Companies in respect of legal liability to pay damages and claimants costs arising from wrongful acts committed in their respective capacities as such b) Reimbursement to Insured Companies for amounts they indemnify to individual Directors & Officers in respect of claims described in a) c) Defense costs incurred with the Insurer's written consent

This policy is to provide claims first made against an Insured; events included within an Extension first arising; or loss of any Pension Document, or for Insurance Cover 1.2 (Exoneration) for Wrongful Acts, first discovered during the Polic Period or Discovery period (if applicable).

Crime cover for Northern Ireland Water Alpha Limited ONLY

Index-based, claims are paid out based on actual meteorological conditions measured by weather stations or satellites. • Freeze: Temperature drops below 2 degrees centigrade for 3 consecutive days; • Freeze Thaw: Temperature moved from 2 degrees centigrade to 5 degrees centigrade over either of the following 2 days Loss can include overtime wages and Contractor fees, costs of tankering or bottled water).

Index based, claims are paid based on actual meteorological conditions measured by weather stations. Loss Parameter Threshold per Insured location: 17°C Loss Parameter Threshold per coverage period at an insured location: (Deductible): 27 Critical Days

Index based, claims are paid based on actual meteorological conditions measured by weather stations. Loss Parameter Threshold per Insured location: 7mm Loss Parameter Threshold per coverage period at an insured location (Deductible): 13 Critical Days Rolling Window 21 subsequent days

Material Damage - All Risks All Risk Sums Insured £3,200,000 Business Interruption £1,200,000 - 18 Month Indemnity Period

Personal Accident Insured Person: All Directors & Employees of the Policyholder Effective Time: 24 hours Death: 4x Annual salary Permanent Total Disablement from Usual Occupation: 4x Annual Salary Permanent Disabling Injuries (Full): 4x Annual Salary Temporary Total Disablement: not insured Temporary Partial Disablement: not insured Travel Insured Person: All Directors and Employees of the Policyholder Effective Time: Extended Business Travel (Any trip in connection with the Business including days added by the Insured Person for personal reasons) Medical & Other Expenses: unlimited Business Equipment & Personal Belongings: GBP 6,000 for Business and GBP 10,000 for Personal Money: GBP 10,000 Disruption: GBP 250,000 Personal Liability: GBP 5,000,000 Legal Expenses: GBP 50,000 Crisis Management: GBP 75,000