12 Force Majeure
12.1 In this Agreement, "Force Majeure Event" shall mean any cause, event or contingency beyond our reasonable control including acts of God: outbreaks of hostilities, riots,civil disturbances, fire, explosion, flood or severe weather, power failure, failure of telecommunications lines (including IT/data links), theft, and/or malicious damage.
12.2 If we are prevented or delayed in carrying out any of our obligations under any engagement by a Force Majeure Event we shall use all reasonabte endeavours to mitigate the effects of such Force Majeure Event but we shall not be under any liability to you for any losses howsoever caused as a result of such Force Majeure Event
13 Professional Indemnity Insurance
Scotland
Our compulsory professional tndemnity insurance cover is under the Law Society of Scotland's Master Policy for professional indemnity insurance. The cover is provided by a panet of insurers, the lead insurer being Royal e:e Sun Alliance ptc. For these purposes, the [ead insurer's address is 200 St Vincent
Street, Glasgow, G2 5SG. The territorial coverage of the cover is worldwide.
England and Wales
Our compulsory professional indemnity insurer for England a Wales is Royal a Sun Alliance Insurance plc. For these purposes the insurer's address is St Marks Court, Chart Way, Horsham, West Sussex, RH12 1XL. The territorial coverage of the cover is worldwide.