Archive for the ‘F-Clauses’ Category

Notwithstanding anything contained in Property Exclusion 15 to the contrary, this Policy extends to indemnify the Insured against physical loss, destruction of or damage to any part or parts of the electrical, electro-mechanical and electronic machines, switchboards, installations or apparatus forming part of the Property Insured (excluding rectifiers, radio, television or amplifying equipment of any description) caused by the actual burning ... Full story

Subject to the liability of the Insurer not being increased beyond the Limits of Liability stated herein, Section A of this Policy extends to include the Insured’s statutory liability to pay fire brigade attendance charges where the amount of any damage (not otherwise excluded by this Policy) falls within the amount of any applicable Deductible. The amount payable ... Full story

In the event of the buildings being damaged so as to constitute total loss or constructive total loss and, (as a result of the exercise of statutory powers and/or authority by any Government Department, Local Government or any other Statutory Authority), reinstatement of the building as before is prohibited and reinstatement is only permissible subject to a reduced Floor Space Ratio Index.... Full story

1. This policy is extended to cover the actual physical loss or damage sustained by the insured to fine arts whilst situated at the location(s) covered by this policy. 2. For the purpose of this endorsement, Fine art shall mean paintings/pictures/sketches of any kind whether created by applying water/oil/acrylic based paints, charcoal, pencil or collage; art photographs; tapestries; sculptures; statuary; antiques; valuable rugs; rare ... Full story

1. The insurer shall indemnify the insured in respect of fire-fighting expenses necessarily and reasonably incurred by the insured to prevent or minimise the extent of any loss or damage to the property insured indemnifiable under this policy, including the cost of materials expended, costs incurred in refilling fireextinguishing appliances and replacing used sprinkler heads, wages of personnel specifically engaged for such tasks and all fire-fighting costs claimed against the insured ... Full story

In the event of loss or damage being discovered after the cover provided for any item of Insured Property under any marine or transit policy of insurance has terminated and if after proper investigation it is not possible to ascertain whether such loss or damage happened prior to termination of such policy, Insurers shall indemnify the Insured in respect of insured Loss, provided ... Full story

It is hereby understood and agreed that We will not pay for any Claim directly or indirectly arising out of, in consequence of, or contributed to by any exercise/classes that are not under direct and active supervision of, or conducted by, qualified instructors. Full story

It is hereby agreed and declared that this Policy does not apply to liability arising directly or indirectly out of caused by or in connection with: A) The failure of or variation in the supply of services B) The failure to supply services assumed under any contract or agreement. Full story

It is understood and agreed that the charges raised by local authority for the provision of the fire fighting appliances called for the purpose of protecting the premises shall be recoverable hereunder Full story

The insurance by this policy extends to cover loss of or damage to the fire extinguishing appliances caused by the Insured perils. This extension is deemed to include the cost reasonably incurred of refilling the fire extinguishing appliances providing always that such cost is incurred as a direct result of the use of the fire extinguishing  appliances for the extinguishment of fire endangering the safety ... Full story

It is hereby agreed and declared that this policy does not apply to liability arising directly or indirectly out of caused by or in connection with: The failure of or variation in the supply of oil, & gas, electricity and any other liquids, goods The failure to supply services assumed under any contract or agreement. Full story

It is hereby agreed and declared that this Policy does not apply to liability arising directly or indirectly out of caused by or in connection with: the failure of or variation in the supply of services; 2. the failure to supply services assumed under any contract or agreement Full story

It is noted and agreed that Exclusion 4.5 is deleted and this policy is extended to cover legal liability arising out of fire and/or explosion (other than explosion or rupture of any steam boiler) occurring in or about the premises designated in the Schedule as “Location”. Full story

Clause 1 and Clauses 4.4 and 4.5 of the attached Institute Frozen Food Clause (A) 1/1/86 are deemed to be deleted and replaced by: Subject always to be goods being in sound condition at the time of attachment, this insurance covers, except as provided in Clauses 4, 5, 6 and 7 below, loss of, deterioration of, or damage to the subject-matter ... Full story

It is agreed and understood that otherwise subject to the terms, exclusions, provisions and conditions contained in the policy or endorsed thereon and subject to the Insured having paid the agrees extra premium, where an insured item is totally destroyed or damaged beyond repair, the basis upon which the amount payable under the policy is to be calculated shall be the ... Full story

The reference to materials in this Section shall extend to include free issue materials whether for use or incorporation in the temporary or permanent Works.  Where such materials are to be insured under this Section the Insured must declare the value of such materials. Full story

The insurance by this policy extends to cover loss of or damage to the fire extinguishing appliances caused by the insured perils. This exclusion is deemed to include the reasonable costs of refilling the fire extinguishing appliances providing always that such cost is incurred as a direct result using the fire extinguishing appliances for the extinguishment of fire ... Full story

It is hereby understood and agreed that the reasonable charges raised by any local authority for the provision of Fire Fighting Appliances called for the purpose of protecting the premises shall be recoverable hereunder with a reasonable cost Full story

It is hereby declared and agreed that this Policy excludes all sums which the Insured shall become legally liable to pay as fines, penalties, punitive or exemplary damages in consequence of an award against the Insured made in any Civil Court. Full story

Upon their arrival at the Contract site, goods are to be inspected by the Insured for possible damage incurred during transit. In the case of packed goods which are to be left in their packing until a later date, the packing is to be visually inspected for signs of possible damage. If any sign of damage to the ... Full story

Loss as Insured by this Policy resulting from interruption of or interference with the business in consequence of damage (as within defined) to property  at an electricity station or sub-station from which the Insured obtain electric current shall be deemed to be loss resulting from damage to property used by the Insured at the premises provided that the Company shall not ... Full story

It is understood agreed that in the event of the claim arising hereunder adjustable on the basis of a Total Loss the Full Annual Premium less the amount of premium already paid, shall become due and payable forthwith. Full story

It is hereby understood and agreed that in the event or fire or series of fires arising directly or indirectly from the same occurrence following earthquake, including fire threatening to involve the property insured, The Insured shall be entitled to recover: The actual cost of materials used and /or damage in extinguishing or controlling or attempting to ... Full story

The insurance by each item of the schedule extends to include the cost of replenishment of fire fighting appliances used in combating fire at the premises and in addition, loss or destruction of or damage to employee’s’ clothing and personal effects incurred whilst combating fire at the premises. Provided however that the liability of the Company hereunder shall ... Full story

It is hereby agreed and declared that notwithstanding anything in the within policy contained to the contrary, but subject to the provisos hereinafter contained, the insurance under this policy extends to include: Wages of the insured’s employees other than full time members of a works fire brigade The cost of replenishment of fire fighting appliances ... Full story

It is hereby understood and agreed that the reasonable charges raised by any local authority for the provision of Fire Fighting Appliances called for the purpose of protecting the premises shall be recoverable hereunder. Provided however that the liability of the Company hereunder shall not exceed USD …. Full story

The items mentioned hereinafter are covered on a First Loss Basis, subject to amounts per item in the schedule : -        Money and stamps -        Employees Pedal Cycles and other Personal Effects -        Documents, Manuscripts and Business Books: only the value of materials as stationery together with the cost of     ... Full story

The Policy extends to indemnity the Insured against loss or destruction of or damage to any part or parts of the electrical machines, switchboards, installations, or apparatus, forming part of the property insured (excluding rectifiers, radio, television or amplifying equipment of any description and electric motors in excess of 10 HP) caused by the actual burning out of such part or ... Full story

In the event of loss or damage to the interest insured caused by fumigation, Underwriters agree to indemnify the insured for such loss or damage, and the insured hereby agrees to subrogate to these Underwriters any recourse that may have for recovery of such loss or damage from others, but this clause does not extend to cover loss or damage caused ... Full story

It is hereby noted and agreed to cover goods on conditions as defined herein from warehouse up to Free On Board Ocean Steamer or Aircraft, including all temporary stops and stays and/or incidental transits to and/or from packers if incurred, and all loading and/or stowage operations until completion of stowage aboard over-sea vessel, the risk thereafter shall be of Sellers Interest ... Full story

FLEET INSURANCE CLAUSE It is agreed between the Assureds and the Company that the Insured Vessels are subject to Fleet Insurance then the debts of any one Assured in respect of any such Insured Vessel shall be treated as a debt to the Company of all other Assureds whose vessels are or were insured as part of the ... Full story

Upon their arrival at the Contract site, goods are to be inspected by the Insured for possible damage incurred during transit. In the case of packed goods which are to be left in their packing until a later date, the packing is to be visually inspected for signs of possible damage. If any sign of damage to the ... Full story

Coverage provided by this policy does not apply to any liability arising out of or contributed to by any complete or partial failure to supply water.   Full story

Coverage provided by this policy does not apply to any liability arising out of or contributed to by any complete or partial failure to supply electricity/gas.   Full story

It is hereby understood and agreed that the reasonable charges raised by any local authority for the provision of Fire Fighting Appliances called for the purpose of protecting the premises shall be recoverable hereunder. KLAUSUL BIAYA PEMADAMAN KEBAKARAN Dengan ini diketahui dan disetujui, bahwa biaya-biaya yang wajar dan layak, yang timbul ... Full story

FAILURE OF PUBLIC UTILITIES CLAUSE (Version 1) Loss as Insured by this Policy resulting from interruption of or interference with the business in consequence of damage (as within defined) to property  at an electricity station or sub-station from which the Insured obtain electric current shall be deemed to be loss resulting from damage to property used by the ... Full story

It is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured for reasonable costs or expenses of first aid treatment given or administered by the Insured to a third party injured at the premises upon an occurrence falling within the scope of this Policy.... Full story

It is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured's legal liability for claims made against the Insured for accidental bodily injury of and/ or accidental property damage to any third party which occurs during the period of insurance and arises out of poisoning by or ... Full story

It is agreed and understood that subject to the Insured having paid the agreed additional premium, this Policy shall be extended to cover the Insured's liability for claims made against the insured for accidents bodily injury of and / or accidental property damage to any third party occurring at the specified premises caused by fire or explosion subject to the following ... Full story

This Policy extends to cover the legal liability of the Insured arising out of provision by the Insured of first aid facilities but excluding any act of negligence, omission or neglect of any duly qualified member of the medical profession or any employee or voluntary worker of any hospital or ambulance organization. Full story

It is hereby declared and agreed that the indemnity granted by this policy applies to the Insured’s legal liability for accidental bodily injury (including illness) and accidental loss of or damage to property (both as defined in the Policy) caused by or attributable to food and drink sold or supplied or provided by the Insured. It is further ... Full story

It is hereby declared and agreed that the policy is extended to cover legal liability arising out of fire and/or explosion (other than explosion or rupture of any steam boiler) occurring in or about the premises designated in the Schedule as “Location”. Full story

Legal liability as defined above arising from fire and/or Explosion including spreading fire is including within this insurance. if as a result of such Fire and/or Explosion legal liability attaches to the Insured in respect of the activities of the Fire Brigade Authorities in fighting or preventing spreading fire this shall also be deemed to be included. Full story

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

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

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