Employers Liability  Yes  No  Limit of Indemnity     €13,000,000 Excess:  Nil Definition of Employee Extended to incorporate Volunteers and or Helpers Safety Health and Welfare at Work Indemnify the GWS against legal costs and expenses in the defence of any criminal proceedings brought against the GWS. Routine Maintenance and Emergency Repairs Cover for maintenance & minor repair Member to Member Liability This cover applies when one Insured member brings a claim against another Insured member. Road Openings for New Connections Cover extends to include liability in respect of road openings where the scheme is excavating to lay pipes across a public road. Scheme Management Cover extends to include day to day running of the scheme Automatic Cover for all Members and those retained by GWS.