Loss as insured by this Policy resulting from interruption of or interference with the business directly arising from an occurrence or outbreak at the Insured’s premises only and limited to :

Closure or evacuation of the whole or part of the Premises by order of any Government, Local Government or other Statutory Authority consequent upon :

  1. (a) Any occurrence of Notifiable Disease (as defined below) at the Premises,                                                              (b) Any discovery of an organism at the Premises likely to result in the occurrence of a Notifiable Disease,
  1. Food or drink poisoning
  2. The discovery of vermin or pests at the Premises,
  3. Defects in the drains or other sanitary arrangements at the Premises,
  4. Any occurrence of murder or suicide at the Premises,

shall be deemed to be loss resulting from Damage to the property used by the Insured at the Premises.

Notifiable Disease shall mean illness sustained by any person resulting from

An occurrence of human infectious or human contagious disease which the competent local authority has stipulated shall be notified to them, with the exception of any occurrence, whether directly or indirectly, of Acquired Immune Deficiency Syndrome (AIDS) or an AIDS related condition, Severe Acute Respiratory Syndrome (SARS), H5N1, H1n1, and any mutation of H5N1 that manifests itself as a human infectious or human contagious disease which are all specifically excluded hereunder.

For the purpose of this extension :

Indemnity Period shall mean the period during which the results of the Business shall be affected in consequences of the Damage, beginning with the date when closure or evacuation of the whole part of the Premises is ordered by any Government, Local Government or other Statutory Authority and ending non later than three months thereafter.

The Insurer shall not be liable under this Extension for any costs incurred in the cleaning, repair, replacement, and recall or checking of property.

The Insurer shall only be liable for loss arising at those Premises which are directly subject to the Damage.


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