Archive for the ‘Clauses’ Category

Polis Standar Asuransi Komprehensif Harta Benda Indonesia

Terima kasih dan apresiasi yang tinggi kami sampaikan kepada Team Property AAUI yang telah berhasil menyusun Draft Polis Standar Asuransi Komprehensif Harta Benda Indonesia (PSAKHI). Full story

Engineering Insurance Clauses

Engineering Insurance Clauses (Sort by alphabet) Full story

COMPREHENSIVE GENERAL LIABILITY CLAUSES

COMPREHENSIVE GENERAL LIABILITY CLAUSES Indonesian Jurisdiction Clause : It is understood and agreed that the Insurer will be under no liability in respect Full story

NON INSTITUTE CARGO CLAUSES

NON INSTITUTE CARGO CLAUSES • Air Freight Clause It is further agreed that in the event of a claim under this Contract, the Insurer agrees to pay the cost of air freighting Full story

PROPERTY INSURANCE CLAUSES

PROPERTY INSURANCE CLAUSES PUBLIC AUTHORITIES CLAUSE REINSTATEMENT VALUE CLAUSE SPRINKLER LEAKAGE CLAUSE TEMPORARY REMOVAL CLAUSE ARCHITECTS, SURVEYORS AND ENGINEERS EXPENSES ALL OTHER CONTENTS BANKERS CLAUSE CAPITAL ADDITIONS CLAUSE Full story

LANDSLIP AND SUBSIDENCE ENDORSEMENTS (4.10)

LANDSLIP AND SUBSIDENCE ENDORSEMENTS (4.10) In consideration of the payment of an additional premium as arranged, Full story

WAIVER OF SUBROGATION CLAUSE

WAIVER OF SUBROGATION CLAUSE Ay claimant under this policy shall at the request and at the expense Full story

CYBER NON – AGGREGATION CLAUSE (NMA2915)

CYBER NON – AGGREGATION CLAUSE (NMA2915) Losses arising directly or indirectly out of a. Loss of, alteration of or damage to b. A reduction in the functionally availability or operation of A computer system, hardware program, software data information repository microchip integrated circuit or similar device in ... Full story

STRUCTURAL ALTERATION CLAUSE

STRUCTURAL ALTERATION CLAUSE Subject to article III of the within policy, it is hereby understood Full story

REMOVAL PERMIT CLAUSE

REMOVAL PERMIT CLAUSE It is hereby understood and agree that this policy shall be extended to Full story

REPLACEMENT VALUE CLAUSE

REPLACEMENT VALUE CLAUSE It is understood and agreed that otherwise subject to the terms, Full story

PAYMENT ON ACCOUNT CLAUSE

PAYMENT ON ACCOUNT CLAUSE It is hereby declared and agrees that payment on account of Full story

NON-INVALIDATION CLAUSE

NON-INVALIDATION CLAUSE It is hereby agreed that this insurance shall not be invalidated by: Full story

NOTIFICATION CLAUSE

NOTIFICATION CLAUSE The present situation, manner of connection, construction, and nature and interior of the building and also the trade carried on therein, is known to us. Full story

MEMORANDUM ON DISPUTE CLAUSE (C)

MEMORANDUM ON DISPUTE CLAUSE (C) In the event of any dispute arising between the Insurer and the Insured in respect of the implementation and/ or Interpretation Full story

MISDESCRIPTION CLAUSE

MIS-DESCRIPTION CLAUSE It is understood and agreed that this Insurance shall notify be prejudiced by any alteration or misdescription of occupancy provided the Insured Full story

LEASED PROPERTY CLAUSE

LEASED PROPERTY CLAUSE This policy extends to indemnify any other party having an interest in the property insured by virtue of and in accordance with the terms Full story

FIRE EXTINGUISHING COSTS CLAUSE

FIRE EXTINGUISHING COSTS CLAUSE It is hereby agreed and declared that notwithstanding anything in the within policy contained to the contrary, but subject to the Full story

EXPEDITING EXPENSES CLAUSE

EXPEDITING EXPENSES CLAUSE In the event of loss or damage to the Property Insured or any part thereof the cost of any repair replacement or rectification admitted Full story

ELECTRICAL INSTALLATION CLAUSE

ELECTRICAL INSTALLATION CLAUSE Loss or damage by fire to the electrical appliances or installations insured under this policy arising from or occasioned by overrunning, Full story

ESCALATION CLAUSE

ESCALATION CLAUSE In consideration of the payment of an additional premium amounting to 10 % of the premium produced by applying the specified percentage Full story

ERRORS AND OMISSION CLAUSE

ERRORS AND OMISSION CLAUSE The insured shall not be prejudiced by an unintentional and/or inadvertent omission error incorrect valuation or incorrect description Full story

CURRENCY CLAUSE

CURRENCY CLAUSE It is hereby understood and agreed that in case a claimable loss hereunder, if any, if denominated in currency other than the currency stated in the Policy Full story

CUSTOMERS’ GOODS CLAUSE

CUSTOMERS’ GOODS CLAUSE It is hereby declared and agree notwithstanding anything contained in the within policy to the contrary but subject to its terms, Full story

COVER OF FULL REPLACEMENT VALUE

COVER OF FULL REPLACEMENT VALUE It is agreed and understood that otherwise subject to terms, exclusions, provisions and conditions contained in the Policy or Full story

COMPUTER RECORDS CLAUSE

COMPUTER RECORDS CLAUSE This insurance includes cover for computer system records but only for the value of the materials together with the cost of clerical labour Full story

COST OF REWRITING RECORDS AND CLAIM PREPARATION

COST OF REWRITING RECORDS AND CLAIM PREPARATION (as per schedule)  On costs and expenses necessarily and reasonably Full story

CONTRACT PRICE CLAUSE

CONTRACT PRICE CLAUSE In the event of Goods Insured by This Policy having been sold but not delivered for which the Insured is responsible and under the conditions Full story

CLAIM CONTROL CLAUSE

CLAIM CONTROL CLAUSE Notwithstanding anything to the contrary herein: 1. The leader insurer shall upon Full story

BURST OF PIPE ENDORSEMENT (COMBINED WITH BURSTING OR OVERFLOWING OF THE WATER TANKS CLAUSE)

BURST OF PIPE ENDORSEMENT (COMBINED WITH BURSTING OR OVERFLOWING OF THE WATER TANKS CLAUSE) Full story

AVERAGE RELIEF CLAUSE (85%)

AVERAGE RELIEF CLAUSE (85%) Whenever A Sum Insured is declared to be subject to the special condition of average, then, if such sum insured shall be at the breaking Full story

AUTOMATIC REINSTATEMENT CLAUSE (SUM INSURED)

AUTOMATIC REINSTATEMENT CLAUSE (SUM INSURED) In consideration of the Insured undertaking to pay an additional premium at the agreed rate Full story

APPRAISEMENT CLAUSE

APPRAISEMENT CLAUSE If the aggregate claim for any one loss destruction or damage does not exceed as per schedule or 5% of the sum insured whichever is the lesser Full story

PREVENTIVE MEASURE CLAUSE

PREVENTIVE MEASURE CLAUSE It is agreed that in the event of actual damage (or imminent damage) to the Insured Property , the Insurer will pay the reasonably Full story

CLAIMS MITIGATION CLAUSE

CLAIMS MITIGATION CLAUSE It is agreed that in the event of actual damage (or imminent) to the insured Property, the insurer will pay the reasonably costs necessary Full story

SELF – COMBUSTION COVERAGE CLAUSE

SELF – COMBUSTION COVERAGE CLAUSE Subject to the warranty underneath, it is hereby expressly understood and agreed that in consideration of the payment of an additional Full story

AUTOMATIC RENEWAL CLAUSE

AUTOMATIC RENEWAL CLAUSE Notwithstanding anything to the contrary contained in the Policy.  It is hereby noted and agreed that this insurance is effected for Full story

PERLUASAN JAMINAN PETIR

KLAUSUL 4.15. PERLUASAN JAMINAN PETIR Full story

PERLUASAN JAMINAN ASAP

KLAUSUL 4.14. PERLUASAN JAMINAN ASAP Full story

PERLUASAN JAMINAN TERBAKAR SENDIRI

KLAUSUL 4.13. PERLUASAN JAMINAN TERBAKAR SENDIRI (API YANG TIMBUL SENDIRI) Full story

PERLUASAN JAMINAN ARUS PENDEK

KLAUSUL 4.12. PERLUASAN JAMINAN ARUS PENDEK Dengan ini ditegaskan bahwa dengan pembayaran premi tambahan yang disepakati, pertanggungan ini menjamin juga kerusakan fisik yang terjadi pada suatu unit peralatan listrik atau elektronik, kecuali peralatan listrik atau elektronik untuk keperluan rumah tangga, yang tercantum pada Ikhtisar Pertanggungan ... Full story

IMPACT BY OWN VEHICLES CLAUSE

IMPACT BY OWN VEHICLES CLAUSE It is noted and agreed that the cover relating to impact of vehicles shall include vehicles owned or used by the Insured Full story

SILENT RISK CLAUSE

SILENT RISK CLAUSE Warranted that during the currency of this Policy the said factory be silent and that the machinery be not worked, except for the purpose Full story

WORKMENS CLAUSE

WORKMENS CLAUSE Workmen are allowed in and about any of the described premises for the purpose or making new erections or alteration, repair, decoration, plant Full story

VEHICLE LOAD CLAUSE

VEHICLE LOAD CLAUSE In the event of the Insured’s Property being left loaded in vehicles or freight containers overnight while in, on or about the premises Full story

TENANTS IMPROVEMENTS CLAUSE

TENANTS IMPROVEMENTS CLAUSE The insurance by this Policy extends to include tenants improvements and alteration to Landlord’s property insofar as the Insured Full story

STORAGE WARRANTY

STORAGE WARRANTY Warranted that during the currency of this Policy no part of the premises described herein be used for manufacture or deposit or storage Full story

SERVICES CLAUSE

SERVICES CLAUSE The insurance by this Policy relating to machinery and equipment extends to include telephone, gas, water and electric instruments, meters, piping, Full story

SELLING PRICE CLAUSE

SELLING PRICE CLAUSE It is noted and agreed that in respect of goods sold but not yet delivered for which the Insured is responsible and with regard to which under Full story

OUTBUILDINGS CLAUSE

OUTBUILDINGS CLAUSE The insurance by each item under buildings is understood to include walls, gates and fence, small outside buildings, extensions, annexes, Full story

LOSS OF DAMAGED GOODS CLAUSE

LOSS OF DAMAGED GOODS CLAUSE In case of damage to property bearing brands labels and trademarks the sale of which carries in any way a guarantee of the Insured, Full story

INTERNAL REMOVAL CLAUSE

INTERNAL REMOVAL CLAUSE It is understood and agreed that in the event of removal of property from one building to another at any of the situations covered Full story

GENERAL INTEREST CLAUSE

GENERAL INTEREST CLAUSE Certain of the Property insured may be the subject of hire purchase lease or other agreements and the interest of the other parties to these Full story

FIRE BRIGADES CHARGES

FIRE BRIGADES CHARGES It is hereby understood and agreed that the reasonable charges raised by any local authority for the provision of Fire Fighting Full story

EMPLOYEES PERSONAL EFFECTS CLAUSE

EMPLOYEES PERSONAL EFFECTS CLAUSE The indemnity granted by this Policy extends to include clothing and/or personal effects of the employees of the Full story

DESIGNATION CLAUSE

DESIGNATION CLAUSE For the purpose of determining, where necessary, the definition of any property insured hereby the Insurer agrees to accept the designation Full story

COST OF RE-ERECTION CLAUSE

COST OF RE-ERECTION CLAUSE The insurance by this Policy extends to cover the cost of re-erecting, fitting and fixing machinery or plant destroyed or damaged by fire Full story

COMPUTER RECORDS CLAUSE

COMPUTER RECORDS CLAUSE This insurance includes cover for computer system records but only for the value of the materials together with the cost of clerical labour Full story

CIVIL AUTHORITIES CLAUSE

CIVIL AUTHORITIES CLAUSE The insurance is extended to cover direct loss or damage to the described property caused by acts of destruction executed by order of Full story

BRAND AND LABEL CLAUSE

BRAND AND LABEL CLAUSE If branded or labelled merchandise covered by this Policy is damaged, and the Insurer elects to take all or any of such merchandise at the agreed Full story

AWNINGS BLINDS SIGNS OR OTHER FITTINGS OF EVERY DESCRIPTION CLAUSE

AWNINGS BLINDS SIGNS OR OTHER FITTINGS OF EVERY DESCRIPTION CLAUSE Awnings, blinds, signs or other outdoor fixtures or fittings of any description are covered Full story

MINOR ALTERATIONS AND REPAIRS CLAUSE

MINOR ALTERATIONS AND REPAIRS CLAUSE Minor alterations, additions and repairs to building, plant fixtures and fittings, and machinery (exclusive of any Sprinkler Installations) Full story

ALTERATIONS CLAUSE

ALTERATIONS CLAUSE Notwithstanding anything contained in the printed conditions of the Policy to the contrary, it is noted and agreed that this Insurance shall Full story

STOCK DECLARATION CLAUSE

STOCK DECLARATION CLAUSE 1. In consideration of the premium by this Policy being provisional in that it is calculated on 75% of the sum insured hereby and is Full story

LESSORS INTEREST CLAUSE

LESSORS INTEREST CLAUSE It is noted and agreed that ………….. (here in after referred to as the Lessors) are the owners of the Property insured under (Item …….) and that Full story

LEASED PROPERTY CLAUSE

LEASED PROPERTY CLAUSE This Policy extends to indemnify any other party having an interest in the property insured by virtue of and in accordance with the terms of Full story

CAPITAL ADDITIONS CLAUSE

CAPITAL ADDITIONS CLAUSE The insurance hereby extends to cover alterations, additions and improvements (but not appreciation in value) in excess of the sums Full story

BANKERS CLAUSE

BANKERS CLAUSE It is noted and agreed that the property insured by this Policy has been mortgaged with bank ……………. and that in consequence thereof, Full story

ALL OTHER CONTENTS

ALL OTHER CONTENTS It is noted and agreed that this Policy extends to include : a.  Money and stamps not otherwise specifically insured for an amount Full story

ARCHITECTS, SURVEYORS AND ENGINEERS EXPENSES

ARCHITECTS, SURVEYORS AND ENGINEERS EXPENSES It is hereby noted and agreed as follows (a) The insurance of each item on Buildings or Contents Full story

TEMPORARY REMOVAL CLAUSE

TEMPORARY REMOVAL CLAUSE It is hereby agreed that the property insured by this Policy (other than any stock in trade or merchandise) is covered in respect of Full story

SPRINKLER LEAKAGE CLAUSE

SPRINKLER LEAKAGE CLAUSE It is hereby agreed and declared that the insurance under the Policy shall extend to cover loss or damage to the property insured caused Full story

REINSTATEMENT VALUE CLAUSE

REINSTATEMENT VALUE CLAUSE It is hereby declared and agreed that in the event of the property insured being destroyed or damaged the basis upon which the amount Full story

PUBLIC AUTHORITIES CLAUSE

PUBLIC AUTHORITIES CLAUSE The insurance by this Policy extends to include such additional cost of reinstatement of the destroyed or damaged property Full story

Polis Standar Asuransi Indonesia

Polis Standar Asuransi Indonesia
POLIS STANDAR ASURANSI 1)     Polis Standar Asuransi Kebakaran Indonesia / Indonesian Insurance Standard Policy.(Selengkapnya).  Full story

Faulty Design Cover in CAR/EAR : MR115, MR200 v DE1, DE2, DE3, DE4, DE5 (1995) v LEG1, LEG2, LEG3 (1996) Endorsements

Faulty Design Cover in CAR/EAR : MR115, MR200 v DE1, DE2, DE3, DE4, DE5 (1995) v LEG1, LEG2, LEG3 (1996) Endorsements
Apakah kerugian atau kerusakan yang disebabkan oleh Faulty Design dijamin dalam Polis Asuransi CAR / EAR ? Full story

Apa yang dijamin dalam Maintenance Covers?

Apa yang dijamin dalam Maintenance Covers?
Banyak rekan-rekan yang masih belum mengerti apa yang dijamin dalam “Maintenance Cover” dalam Polis Asuransi CAR / EAR. Full story

MR003, MR004, MR201 – Maintenance Covers

MR003, MR004, MR201 - Maintenance Covers. Please download here Full story

MR115 – Cover for Designer’s Risk and MR200 – Cover of Manufacturer’s Risk

MR115 - Cover for Designer’s Risk and MR200 - Cover of Manufacturer’s Risk - Please download here Full story

LEG 1, LEG 2, LEG 3/1996 – The London Engineering Group Model “Defects Exclusion”

LEG 1, LEG 2, LEG 3/1996 - The London Engineering Group Model "Defects Exclusion". Please download here Full story

Defect Exclusion DE1, DE2, DE3, DE4, DE5 (1995)

Defect Exclusion DE1, DE2, DE3, DE4, DE5 (1995). Please download here Outright Defect Exclusion DE1 (1995) This policy excludes loss of or damage to the Property Insured due to defective design plan specification materials or workmanship. Full story

Endorsemen Banjir, Angin Topan, Badai dan Kerusakan Akibat Air

Read and Download Bilingual Version in Pdf : FTSWD Clause Dengan ini disetujui dan dinyatakan bahwa  atas dasar pembayaran premi tambahan, Penanggung menyetujui memperluas pertanggungan ini sebagaimana diatur dalam Endosemen ini. Full story

Cargo Insurance Conditions and Clauses

Cargo insurance can be effected on different conditions by using various clauses. All the conditions have one thing in common; the goods can only be insured against unexpected, fortuitous losses. Full story

[Some] Marine Cargo Clauses

  Beberapa “Marine Cargo Clauses” yang penulis copy dari NipponKoa. Have fun with it. Thank U. <A> <B> <C> <D> <E> <F> <G> <H> <I> <J> <K> <L> <M><N> <O> <P> <Q> <R> <S> <T> <U> <V> <W> <X> <Y> <Z> Full story

Entity cover for Critical Occurrence

Entity cover for Critical Occurrence
Entity cover for Critical Occurrence: Cover is available for the company for the cost of engaging a public relations consultant to mitigate damage should the company suffer a drastic fall in its share price within 24 hours due to prescribed events. Full story

Machinery Breakdown and Boiler Explosion Clauses (Sub Limit ISR/PAR)

Machinery Breakdown and Boiler Explosion Clauses (Sub Limit ISR/PAR)   Sub limit Machinery Breakdown dan Boiler Explosion adalah hal yang umum sekarang dilekatkan pada polis ISR/PAR alasannya apalagi jika bukan “menghemat premium”.    Bingung melekatkan klausul yang mana untuk sub limit MB dan Boiler??   Tempel saja polis MB dan PSAKI?   Or you may use these clauses….   Full story

Institute Cargo Clauses 01/01/2009

Institute Cargo Clauses 01/01/2009   Following an extensive period of world-wide consultation going back to 2006, the Joint Cargo Committee released revised Institute Cargo Clauses A, B and C, along with accompanying Institute Cargo Clauses War and Institute Cargo Clauses Strikes, on 24 November 2008.   The new clauses are dated 1 January 2009   Wordings   Copies of the revised clauses, both in "clean" and in "specimen" format can be accessed via the links below:   Full story

Civil Engineering Completed Risks – Wordings & Clauses (downoad here)

Civil Engineering Completed Risks   Please download here   CECR pol.pdf   Clause1000.pdf   Full story

Comprehensive Project Insurance – Wordings & Clauses (download here)

Comprehensive Project Insurance   CPI Policy Comprehensive Project Insurance   ·         CPI Clauses   Special insurance covers     1200 Strike, riot and civil commotion 1201 Extra costs for airfreight 1202 Property insured taken into use or operation 1203 Liability consequent upon vibration, removal or weakening of support 1204 Guarantee maintenance 1205 Nuclear fuel elements 1206 Costs of decontamination 1207 Reactor pressure vessels with internals 1208 Costs for leak search 1209 Oil, gas and/or geothermal drilling rigs and equipment 1210 Delay in start-up following marine cargo   Full story

Contractors’ All Risks (CAR) Insurance – Wordings & Clauses (download here)

Contractors’ All Risks (CAR) Insurance   Car pol.pdf Contractors All Risks   ·         CAR Clauses       Full story

Contractor’s Plant and Machinery Insurance – Wordings & Clauses (download here)

Contractor’s Plant and Machinery Insurance   CPM pol.pdf  Contractor’s Plant and Machinery Insurance 001 Strike, Riot and Civil Commotion 006 Overtime, Night Work and Express Freight 007 Airfreight 400 Underground Machinery and Equipment 401 Inland Transit 410 Adjustment of Sum Insured and Premium 420 Oil, Gas and/or Geothermal Drilling Rigs and Equipment 421 Water Well Drilling Rigs and Equipment Full story

Erection All Risks (EAR) & ALoP Insurances – Wordings & Clauses (download here)

Erection All Risks (EAR) Insurance   EAR pol.pdf  Erecion All Risks Policy AloP Section.pdf  Advanced Loss of Profit   EAR Clauses   Full story

Deterioration of Stock – Wordings & Clauses (download here)

Deterioration of Stock   Wordings & Clauses, Please download here: DOS pol.pdf Deterioration of Stock Insurance Policy 001 Strike, Riot and Civil Commotion (SRCC) 902 Goods in Cold Storage under Controlled Atmosphere Conditions 903 Failure of Public Power Supply 904 Failure of Non-Public Power Supply Full story

Aero-Engine Breakdown Insurance – Wordings (download here)

Aero Engine Insurance   wordings, please download here:   Aero Engine Ins pol.pdf Full story

Boiler and Pressure Vessel Insurance – Wordings (download here)

Boiler & Pressure Vessel Policy   wordings, Please download here:   Boiler & Pressure Vessel Pol.pdf Full story

Machinery Loss of Profit (MLoP) – Wordings & Clauses (download here)

MLoP Insurance   MloP pol.pdf  Loss of Profit following Machinery Breakdown Insurance Policy   MLoP Clauses   Full story

Machinery Insurance – Wordings & Clauses (download here)

Machinery Standard Insurance M Ins pol.pdf    Machinery Insurance – Munich Re wordings   Machinery Insurance Clauses Full story

Comprehensive machinery (CM) insurance – wordings & clauses (download here)

Comprehensive machinery (CM) insurance   Section 1 . Operational material damage   Section 2 . Operational business interruption   Schedule   Comprehensive machinery (CM) insurance – Endorsements   Full story

Average: Pertanggungan dibawah harga

Pertanggungan dibawah harga? Apa maksudnya? Jika rumah (gedung) anda seharga Rp 1,000,000,000 tapi anda hanya meng-asuransi-kannya seharga Rp 500,000,000 saja. Maka sangat wajar jika terjadi klaim pihak Asuransi hanya akan membayar ganti rugi  50% dari Harga Sebenarnya (Value at Risk) , itu yang disebut Pertanggungan dibawah harga (under insurance).   Full story

Very Important Clauses : Klausul-Klausul Penting dalam Asuransi Kebakaran (Fire & Property Insurances)

Jaminan wordings polis standar saja tidak cukup, bahkan untuk polis “All Risks” sekalipun, Banyak sekali klausul-klausul yang didesain untuk memberikan benefit tambahan terhadap jaminan standar polis, banyak diantara agen, broker bahkan petugas Asuransi sendiri tidak mengerti apa arti dan implikasi dari klausul-klausul tersebut. Diantara sekian banyak klausul-klausul tsb kami akan memberikan daftar dan keterangan singkat Very Important Clauses : Klausul-Klausul Penting dalam Asuransi Kebakaran (Fire & Property Insurances) yang juga bisa di download here.   Full story
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