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Hi thank you for your message, so in effect what that clause is saying is that there is a limit to the cap, a figure somewhere else in the policy and that for work done outside Canada and the US it would appear that the cap does not include the legal costs of any action against you but in Canada and the US, the cap includes legal costs. To give an example of this let us say that the cap is £100 if an action was brought against you in France and the case was lost or settlement was reached of damages to the claimant (the person bringing the action against you) of £100 plus their legal costs of £20 then the cap would mean that the insurance would pay out £120. On the other hand if that same case was brought in say Canada the cap would mean that the insurance would only cover up to £100 total not the full £120. I hope this helps, if you can please accept my answer and rate me 5 stars (in the top right of your screen) then Just Answer will credit me for helping you today.
Glad I could help, take care.