For Punitive damage, Fines and Penalties exclusions, I was under the impression that all of these could only be from a Court of Justice, who else could issue these charges? Certainly not a customer I would think. For me it looks likely that we would not get coverage if we were charged for Punitive Damage, Fines and Penalties and that could be potentially quite a large number. Perhaps we could get more clarification from our broker of what other ways Punitive Damage, Fines and Penalties could happen that they would cover.