Engineering Insurance Clauses

Engineering Insurance Clauses

(Sort by alphabet)

  1. Act Of God / Extended Perils. 6
  2. Accidental Failure of Public Supplies. 6
  3. Accumulated Stock Clause. 6
  4. Addition and Deletion Clause. 6
  5. Additional Insured Clause. 6
  6. Additional Indemnity Clause. 6
  7. Alternative Trading Clause. 7
  8. Automatic Inclusion of Additional Items. 7
  9. Automatic Reinstatement of the Sum Insured Clause. 7
  10. Automatic Repairs Clause. 7
  11. Average Relief Clause. 7
  12. Average Relief Clause. 8
  13. Banker’s Clause. 8
  14. Biological or Chemical Material Exclusion (Amended To Exclude Terrorism Act Only) 8
  15. Breach of Warranty Clause. 9
  16. Cancellation Clause. 9
  17. Choice of Law and Jurisdiction Clause. 9
  18. Claim Appraisement Clause. 9
  19. Claim Preparation Clause. 9
  20. Claim Settlement Clause. 9
  21. Claims Cooperation Clause. 10
  22. Clarification Agreement Clause. 10
  23. Co-Insurance Clause_1. 11
  24. Co‑Insurance Clause_2. 11
  25. Cold and Hot Testing, and Commissioning Clause. 11
  26. Contracts rights and liabilities. 12
  27. Cost of Re-Erection Clause. 12
  28. Cost of Rewriting and Claim Preparation. 12
  29. Constructive Total Loss. 13
  30. Cover for Existing / Surrounding Property. 13
  31. Currency Clause. 13
  32. Customer Supplier Extension Clause. 13
  33. Cut – Through Clause. 14
  34. Cyber Virus Exclusion – Electronic Data Endorsement A.. 14
  35. Damage to Property When Contractor Not Negligent Clause. 15
  36. Debris Removal Clause. 15
  37. Debris of Removal (Swiss RE) 15
  38. Debris of Removal / Clearance of Debris (CAR Munich RE) 15
  39. Debris of Removal / Clearance of Debris (EAR Munich RE) 16
  40. Deferred Premium Clause. 17
  41. Denial Access Clause. 18
  42. Departmental Clause. 18
  43. Dewatering Clause. 18
  44. Dispute Clause A (Arbitration) 19
  45. Dispute Clause C.. 19
  46. Electrical Installation Clause (4.A) 20
  47. Electrical Installation Clause (4.B) 20
  48. Escalation Clause. 21
  49. Event Definition. 21
  50. Expediting Expense Clause. 22
  51. Extra Contractual Obligation Clause. 22
  52. Fifty Clause. 22
  53. Fines, Penalties and Punitive Exemplary Damages Exclusion. 23
  54. Fire Bridge Clause. 23
  55. Fire Extinguishing Clause. 23
  56. Free Issued Material Clause. 23
  57. Full Replacement Value. 23
  58. Indonesian Jurisdiction Clause. 24
  59. Industries, Seepage, Pollution and Contamination Exclusion. 24
  60. Infectious Diseases and Closure Extension. 24
  61. Installation and Maintenance Clause. 24
  62. Insured’s Consultant (Including Board of Directors of Principals or owner’s representation) Clause. 25
  63. (LEG 2) Design Cover 25
  64. Load Recovery (This clauses applied only for Logging Trucks and/or Trailers) 25
  65. Loss Notification Clause (Maximum in 14 Days) 25
  66. Loss Payee Clause. 25
  67. Material Damage Proviso Waiver Clause. 26
  68. Microorganism Endorsement (Toxic Mould Exclusion Clause) 26
  69. Mold & Fungi Endorsement 26
  70. MR 601 – Adjustment of Sum Insured and Premium… 26
  71. MR 602 – Cover for Submerged and Deep-Well Pumps. 27
  72. MR 603 – Cover for Conveyor Belts and Chains. 27
  73. MR 604 – Depreciation Adjustment for the Rewinding of Electric Machines. 28
  74. MR 605 – Inspection and Overhaul of Boilers. 28
  75. MR 606 – Cover for External Data Media of EDP Systems. 28
  76. MR 607 – Cover for Theft of Electronic Equipment 29
  77. MR 701 – Cover of Mobile and Portable Equipment Outside the Premises. 29
  78. MR 608 – Cover for Mobile and Portable Equipment outside the Premises. 30
  79. MR 620 – Cover for Inland Transit 30
  80. MR 621 – Cover for Water Well Drilling Rigs and Equipment 30
  81. MR 630 – Insurance of Goods in Cold Storage under Controlled Atmosphere Conditions. 31
  82. MR 631 – Failure of Public Power Supply. 32
  83. MR 632 – Failure of Non-Public Power Supply. 32
  84. MR 640 – Hull Risk for Mobile Equipment on Premises Only. 33
  85. MR 641 – Hull Risk for Mobile Equipment Including Inland Transit 33
  86. MR 710 – Exclusion of Mechanical and Electrical Breakdown. 33
  87. MR 711 – Exclusion of Loss or Damage Due to Fire, Lightning, Explosion and Impact of Aircraft 33
  88. MR 712 – Exclusion of Loss or Damage Due to Flood, Inundation, Storm or Tempest 34
  89. MR 713 – Cover for Hurricane, Cyclone and Typhoon. 34
  90. MR 731 – Adjustment of Sum Insured and Premium… 34
  91. MR 811 – Hull Risk for Mobile Equipment on Premises only. 35
  92. MR 812 – Hull Risk for Mobile Equipment Including Inland Transit 35
  93. MR 813 – Internal Fire, Internal Chemical Explosion and Direct Lightning. 35
  94. MR 817 – Underground Machinery and Equipment 36
  95. MR 829 – Machinery Breakdown during Guarantee Period. 36
  96. MR 831 – Exclusion of Inundation and Silting up in Hydro Power Plants. 36
  97. MR 832 – Exclusion of flue gas explosions in boilers and furnaces. 36
  98. MR 842 – Non-Destructive Testing (NDT) of Presses, Shears and Similar Items with Frames or other Components exposed to High Stresses. 36
  99. MR 843 – Overhaul of Electric Motors and Generators. 37

100. MR 844 – Overhaul of Steam, Water and Gas Turbines and Turbo-Generator Sets. 38

101. MR 845 – Inspection and Overhaul of Boilers. 39

102. MR 855 – Radioactive Isotopes in Instruments. 39

103. MR 856 – Deterioration of Raw Materials, Intermediate or Finished Products, or Operating Media. 39

104. MR 857 – Prolongation of the Interruption Period due to Deterioration. 40

105. MR 861 – Increased Cost of Electricity, Water, Gas or Steam Supply. 40

106. MR 862 – Maximum Demand Charges. 41

107. MR 863 – Additional Expenditure other than Increase in Cost of Working. 41

108. MR 866 – Failure of Public Power, Water, Gas or Steam Supply. 42

109. MR 891 – Delay in Repair 42

110. MR 892 – Indemnity Period Limits Exceeding 12 Months. 42

111. MR 893 – Proportional Time Excess. 43

112. MR 894 – Sum Insured on Unit Price Basis. 43

113. MR 902 – Insurance of Goods in Cold Storage under Controlled Atmosphere Conditions. 43

114. MR 903 – Failure of Public Power Supply. 44

115. MR 904 – Failure of Non-Public Power Supply. 45

116. MR 1000 – Cover for Loss of Profits following Loss or Damage Covered under Civil Engineering Completed Risks Insurance (CECR) 45

117. MR 1200 – Special insurance cover: strike, riot and civil commotion. 49

118. MR 1201 – Special insurance cover: extra costs for airfreight 50

119. MR 1202 – Special insurance cover: property insured taken into use or operation. 50

120. MR 1203 – Special insurance cover: liability consequent upon vibration, removal or weakening of support 50

121. MR 1204 – Special insurance cover: guarantee maintenance cover during defects liability period. 51

122. MR 1205 – Special insurance cover: nuclear fuel elements. 51

123. MR 1206 – Special insurance cover: costs of decontamination for nuclear plants. 52

124. MR 1207 – Special insurance cover: reactor pressure vessels with internals. 53

125. MR 1208 – Special insurance cover: costs for leak search. 53

126. MR 1209 – Special insurance cover: oil, gas and/or geothermal drilling rigs and equipment 54

127. MR 1210 – Special insurance cover: delay in start-up following marine cargo. 55

128. MR 1230 – Special exclusion: earthquake. 55

129. MR 1231 – Special exclusion: flood or inundation. 55

130. MR 1233 – Special exclusion: crops, forests and cultures. 56

131. MR 1234 – Special exclusion: dams and water reservoirs. 56

132. MR 1235 – Special exclusion: removal of debris. 56

133. MR 1237 – Special exclusion: drilling rigs and equipment 56

134. MR 1238 – Special exclusion: piling, foundation and retaining wall construction work. 57

135. MR 1239 – Special exclusion: outright defects exclusion. 57

136. MR 1240 – Special exclusion: outright faulty design exclusion. 57

137. MR 1241 – Special exclusion: defective part only exclusion. 58

138. MR 1242 – Special exclusion: tunnels, galleries and underground structures. 58

139. MR 1243 – Special exclusion: normal action of the sea. 58

140. MR 1244 – Special exclusion: marine and off-shore work. 59

141. MR 1245 – Special exclusion: hydrocarbon processing industries 1. 59

142. MR 1246 – Special exclusion: hydrocarbon processing industries 2. 59

143. MR 1247 – Special exclusion: limited cover during the defects liability period. 60

144. MR 1248 – Special exclusion: section lengths. 60

145. MR 1249 – Special exclusion: betterment exclusion. 60

146. MR 1250 – Special exclusion: outright exclusion of cover during the defects liability period. 60

147. MR 1260 – Special conditions: contract time schedule. 61

148. MR 1261 – Special conditions: structures in earthquake zones. 61

149. MR 1262 – Special conditions: underground services. 61

150. MR 1263 – Special conditions: fire protection. 62

151. MR 1264 – Special conditions: open trenches, pipes, cables and ducts. 62

152. MR 1265 – Special conditions: loss prevention in respect of flood and inundation. 63

153. MR 1266 – Special conditions: directional drilling. 63

154. MR 1267 – Special conditions: serial losses. 64

155. MR 1269 – Special conditions: marine 50/50 loss sharing. 64

156. MR 1270 – Special conditions: flue gas purification plants. 65

157. New Replacement Value basis, with Sum Insured to be as follows: 65

158. NMA 348 – Average Clause. 66

159. NMA 1685 – Industries, Seepage, Pollution and Contamination. 66

160. NMA 2912 – Information Technology Hazard Clarification Clause. 66

161. NMA 2915 – Electronic Data Processing Media Valuation. 67

162. NMA 2918 – War and Terrorism Exclusion Endorsement 67

163. NMA 2919 – War and Terrorism Exclusion Endorsement (Reinsurance) 68

164. NMA 2920 – Terrorism Exclusion Endorsement 68

165. CL370 – Institute Radioactive Contamination, Chemical, Biological, Bio-Chemical and Electromagnetic Weapons Exclusions Clause. 69

166. No Claim Bonus Clause. 69

167. Nominated Loss Adjusters Clause. 70

168. Non-Invalidation Clause. 70

169. Other Interest Clause. 70

170. Payment on Account Clause. 70

171. Physical Damage Clarification Clause. 70

172. Plans and Documents Clause. 71

173. Political Risks Exclusion Clause. 71

174. Premium Adjustment Clause (1) 71

175. Premium Adjustment Clause (2) 72

176. Premium Payable Warranty Clause. 72

177. Premium Payable Warranty Clause (installment) 72

178. Prevention of Access Clause (Due To Accidental Loss/Damage) 72

179. Preventive Measures Clause. 72

180. Professional Clause. 73

181. Professional Accountants’ Fees Clause. 73

182. Professional Indemnity Exclusion. 73

183. Public Authorities Clause. 73

184. Public Utilities Clause. 74

185. Recovery Charges Clause. 74

186. Removal Permit Clause. 74

187. Repeats Test 74

188. Replaceable Parts Clause. 75

189. Riots, Strikes and Malicious Damage (RSMD) Endorsement 4.1A.. 75

190. Salvage Sale Clause. 78

191. Silent Risk Clause. 78

192. Single Loss Clause. 78

193. Sister Clause. 78

194. Sudden and Accidental Pollution. 78

195. Sudden Pollution and Contamination (Simas Wording) 79

196. Sue & Labor Clause. 79

197. Temporary Removal Clause. 79

198. Temporary Repair Clause. 79

199. Temporary Works. 80

200. Third Party Liability Clause. 80

201. Third Party’s Liability during Maintenance Period. 80

202. Total Asbestos Exclusion. 80

203. Total Loss Only. 81

204. Transmission Distribution Lines Exclusion Clause. 81

205. Turnover / Output Clause. 81

206. Waiver of Recovery Rights (Subsidiaries) 82

207. Waiver of Subrogation Clause. 82

208. War and Civil War Exclusion Clause. 82

209. Weight Damage (This clauses applied only for Logging Trucks and/or Trailers) 82

210. Workmen’s Clause. 82

211. Y2K Exclusion Clause. 82

 

 

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8 Comments on “Engineering Insurance Clauses”

  • rina wrote on 2 October, 2014, 19:23

    Dear Pak Imam,

    mohon bantuannya pak kalau ada klausula 1. Act Of God / Extended Perils. 6 & 193. Sister Clause. 78

    thanks alot pak

    Untuk Polis CPM tidak perlu lagi Perluasan AOG karena sudah otomatis dijamin

    Sister Car Clause adalah untuk polis PSAKBI dengan TPL. CPM standardnya tidak menjamin TPL

    http://ahliasuransi.com/asuransi-alat-berat-heavy-equipment-insurance-he-vs-contractors%E2%80%99-plant-and-equipment-cpe-machinery-cpm/

    http://ahliasuransi.com/contractors%E2%80%99-plant-equipment-cpe-insurance-quotation/

  • lutfia wrote on 6 October, 2014, 15:49

    Dear Pak Imam,
    untuk wording klausula tersebut bisa didapat dimana ya..??? mohon bantuan share ya Pak.
    Terima kasih Pak

  • denni wrote on 7 February, 2015, 3:35

    Pak imam, apakah ada klausula liability clause during maintenance period, bila ada mohon bisa di share pak. Makasih

    liability clause during maintenance period – tidak perlu, Pak
    Apakah kalo “during maintenance period” – section 2 – TPL / atau polis Liability-nya menjadi tidak berlaku?? khan tetap berlaku !
    Yang harus diperhatikan bahwa Period of insurance -nya masih valid

  • denni agus fadli wrote on 13 October, 2015, 22:33

    Pak imam, terkait principal existing property, menurut bapak idealnya apakah berupa extension clause atau masuk di dalam contract value shg. DikeNakan premi sendiri. Contoh, dlm proyek pembangunan / perluasan gedung rumah sakit dg nilai kontrak rp 15 milyar ada principal existing senilai rp. 5 milyar, apakah 5 milyar tsb dikenakan premi atau bs dimasukkan dlm extension saja dg sub limit 5 milyar. Terima kasih

    Idealnya begitu Denni (sum insured terpisah, attach PEP Clause, sehingga ada preminya)
    (koreksi bukan masuk ke contract value, ya)

    Namun, pada praktiknya broker / klien ngga ada yang mau kena premi lagi sehingga diakomodasi dalam bentuk free premium

  • suyanto wrote on 29 October, 2015, 15:25

    pak imam, kalo MR 116 dalam CAR ditambah clausule : PRIOR USE CLAUSE / PARTIAL OCCUPANCY CLAUSE
    In the event that the Insured Property or any part of the Insured Property under section I shall have been handed over to and/or taken into use by the Insured Employer and/or by the User cover under section I of this Policy shall continue until the expiry date of the Period of Insurance stated in the Schedule of the Policy or any extension thereof agreed by the Insurers
    . “dalam proyek pengaspalan jalan”, cause of loss apa saja yang masih di jamin polis pak? terimakasih dan salam

    Semua risiko (All Risks) dijamin Pak
    “…cover under section I of this Policy shall continue until the expiry date of the Period of Insurance stated in the Schedule..”. jadi sama dengan beli Property All Risks (PAR) gratis

  • Arvind wrote on 5 November, 2015, 18:33

    Can u please send me the wordings for – MR 1202 – Special insurance cover: property insured taken into use or operation. 50

    MR 1202 – Special insurance cover: property insured taken into use or operation
    This endorsement forms part of section 1 a
    and is subject otherwise to the terms, provisions, conditions and exclusions contained in the policy of insurance or endorsed thereon.

    1. Indemnification
    1.1. The insurer shall indemnify the insured in respect of loss of or damage to property insured specified below which
    1.1.1. after the expiry of the testing period has been taken into use or operation.

    2. Expiry
    2.1. This special insurance cover expires on the date specified below.

    Properly insured to be taken into use:

    Expiry date:

  • shafwa wrote on 10 May, 2016, 15:57

    Dear Pak Imam,
    kl ada klausula MR 106 kemudian diterapkan limit 250m x 3 itu maksudnya apa ya Pak
    mohon pencerahannya
    terima kasih

    Clause MR106 adalah :
    http://www.imia.com/wp-content/uploads/2013/06/106-Sections.pdf

    saya tidak tahu persis apa maksudnya “250m x 3” apakah harus dikerjakan setiap 250m panjang terlebih dahulu, baru kemudian 250m berikutnya dan 250m berikutnya (bisanya untuk pekerjaan jalan tol)

    atau dalam setiap pekerjaan harus diselesaikan untuk setiap ukuran 250m x 3

    kurang jelas saya Pak mengenai ukuran “Section” yang dimaksud dengan 250m x 3. silakan dikonsultasikan kepada underwriters atau brokers nya

  • Ridha wrote on 15 March, 2017, 15:58

    Dear Pak Imam

    Terima kasih untuk selalu berbagi informasi.

    Selanjutnya, mohon bantuannya untuk wording klausula berikut
    198. Temporary Repair Clause. 79

    Terima kasih atas perhatian dan kerja samanya

    Salam,
    Ridha

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