WORDING UNTUK “THE INSURED”
Type
1
PT. ________________ and/or Affiliated Co. and/or
Associated Co. and/or f.t.r.r.i
Atau
PT. ________________ QQ PT. / Mr. _________and/or
Affiliated Co. and/or Associated Co. and/or f.t.r.r.i
Type
2 – Manufacturing Industry
q PT.
RHEEM INDONESIA and/or All subsidiary and/or Affiliated Co. and/or Associated
Co. and/or Corporations as now exist or may hereafter be constituted or
acquired including their interests as may appear in Partnership or Joint
Ventures for their respective rights and interest and in addition, Financial
institutions which hold or may hold vested interest in the Property Insured for
their respective rights and interests.
(Wording ini
biasanya juga digunakan untuk PLI)
Type
3 – Office Building
q PT.
PANTORU MAS as the first Owner of the Insured and/or as the Consultant of the
Building Manager and/or its subsidiaries companies and/or any purchaser of any
individual unit (s) of the insured property or its Lawful Equivalent for their
respective rights and interest.
(Wording ini
biasanya juga digunakan untuk PLI)
Type
4 – Biasa untuk C/EAR
PT. __________ as Principal and/or PT. ____________
as Main contractor and/or Sub-Contractors and/or any other participants
involved in the realization of the project, all for their respective rights and
interest.
Catatan :
q Perlu
diketahui, fungsi/okupasi dari pihak yang membeli asuransi dari pihak Owner
atau Main Contractor atau Sub Contractor.
SAMPLE WORDING INTEREST
INSURED UNTUK BUILDING – INDUSTRY/FACTORY
BUILDING
All
buildings (including foundations) on the described premises including but not
limited to :
·
Landlord’s fixtures-fittings
·
Fire and security protection installations
·
Telephone gas water underground waters and electric
instruments meters piping cabling tunnels and the like and accessories thereof
including similar property whatsoever and adjoining yards or roadways or
underground (to the building or contents Insured by the respective items of
this specification) all the property of the Insured or of the supplier or
others for which the Insured is responsible (all to be within the Insured’s
premises).
·
Plumbing ventilation and installation light
standards flag poles awnings signs doors and windows display cabinets and
similar structures of whatsoever description.
·
Site improvements scale areas gangways, alleys,
pavements, driveways, bridges, car parks, paths and the like which partly or
wholly serves to supply the described premises.
·
Walls gates and fences around and pertaining to the
described premises
·
Interior decoration and other exterior fixtures and
fittings
·
On all office inventory office machinery and
furniture fixtures-fittings tools and all other contents of every type and
description including but not limited to AC, PABX and Telephone set,
mobile-phone and hand-phone, Fax and Copy machines, computers & laptop
including its installation network (LAN & Internet) and its related &
supporting structures, money and money negotiable, business book including cost
of rewriting business records, computer records and software, guests effects
for which the Insured has assumed liability and all other contents of every
type and description not otherwise insured the property of the Insured and/or
held by them in trust or on commission whilst in and/or about the Insured
premises.
SAMPLE WORDING UNTUK OFFICE
BUILDING (RENTAL)
SECTION I – MATERIAL DAMAGE
A. BUILDING
On building and all real and personal property of
any kind nature or description in and/or about the insured premises including
but not limited to materials on the ground and all structural appurtenances,
fixtures-fittings attached and belonging thereto and external walls gates,
fences, car parks, driveways, pavements, gangways, alleys and annexes
underground cable supplies, gas-pipes, machinery and plant (including its
supporting and protective structures) lift, generators, chiller-boilers,
moveable-equipment, non-licensed vehicle,
furniture, fixtures-fittings and utensils of every description including but not limited to Office inventory and equipment,
Televisions, CCTV, AC, PABX and Telephone set, mobile-phone and hand-phone, Fax
and Copy machines, computers & laptop including its installation network
(LAN & Internet) and its supporting equipment, all kitchen
equipment, sports club and restaurant including other supporting facilities, including their inventory, interior decoration and
improvements, business books including cost of rewriting business records
computer records and software, landscape and cost of replanting the
garden guests and tenants effects of which Insured has assumed liability and
all other contents of every type and description not otherwise insured the
property of the Insured and/or held by them in trust whilst in and/or about the
Insured premises. (Cover shall be deemed to include the property of the guests
and tenants for which the Insured has assumed or wishes to have assumed liability
with limit USD. __________ any one accident).
SUM INSURED USD.
____________
SECTION II –
BUSINESS INTERUPTION
One hundred percent (100%) of the amount which the
Insured is entitled to recover under the provisions of the attached
specification which is declared to be incorporated in and to form part of this
schedule but not exceeding the Total Sum Insured hereby.
For Indemnity Period : 12 (twelve) months
Ä
On Loss
of Gross Revenue USD. __________
Ä
On Wages USD.
__________
Ä
On
Auditor’s Fee USD.
__________
SUM INSURED USD. _________
TOTAL SUM INSURED PROPERTY DAMAGE & BUSINESS INTERRUPTION USD.
____________
SAMPLE WORDING UNTUK
APARTEMEN
Untuk – Apartemen Sewa
Catatan : Untuk Apartement Non Sewa – Biasanya
tidak ada BI
A. BUILDING
On building and all real and personal property of
any kind nature or description in and/or about the insured premises including
but not limited to materials on the ground and all structural appurtenances,
fixtures-fittings attached and belonging thereto and external walls gates,
fences, car parks, driveways, pavements, gangways, alleys and annexes
underground cable supplies, gas-pipes, machinery and plant (including its
supporting and protective structures) lift, generators, chiller-boilers,
moveable-equipment, non-licensed vehicle,
furniture, fixtures-fittings and utensils of every description including but not limited to Office inventory and equipment,
CCTV, Televisions, AC, PABX and Telephone set, mobile-phone and hand-phone, Fax
and Copy machines, computers & laptop including its installation network
(LAN & Internet) and its supporting equipment, all kitchen
equipment, sports club and restaurant including other supporting facilities, including their inventory, interior decoration and
improvements, business books including cost of rewriting business records
computer records and software, landscape and cost of replanting the
garden guests and tenants effects of which Insured has assumed liability and
all other contents of every type and description not otherwise insured the
property of the Insured and/or held by them in trust whilst in and/or about the
Insured premises. (Cover shall be deemed to include the property of the guests
and tenants for which the Insured has assumed or wishes to have assumed liability
with limit USD. __________ any one accident).
SUM INSURED USD/IDR. ________
B. BUSINESS INTERRUPTION
One hundred percent (100%) of the amount which the
Insured is entitled to recover under the provisions of the attached
specification which is declared to be incorporated in and to form part of this
schedule but not exceeding the Total Sum Insured hereby.
For Indemnity Period : 12 (twelve) months
INTEREST AND SUM INSURED :
On Loss of Gross Rental, Service Charges, Parking
Charges, increase in cost of workings and Auditor’s Fee but less variable
expenses.
SUM INSURED USD/IDR.
_______
TOTAL SUM INSURED PROPERTY DAMAGE & BUSINESS INTERRUPTION USD. ______
SAMPLE WORDING UNTUK SUPERMARKET
INTEREST AND SUM INSURED :
B. On
Building
On all
real and personal property of any kind nature or description in and/or about
the premises including materials and all fixtures-fittings and utensils of
trade of every description interior exterior decoration and improvements, fixtures-fittings and utensils of trade of every
description, all kitchen equipment, sports club and restaurant Equipment,
including other supporting facilities and their inventory, interior decoration
and improvements, electronic appliances etc, office equipment and furniture, Televisions, CCTV, AC, PABX, Key Telephone and Telephone set,
Mobile-phone, Computers & Laptop including its installation network and its
supporting structures & spare-parts, fax and copy machine, business books
including cost of rewriting business records, Supermarket inventory of any kind
and description, supermarket equipment and/or furniture and/or supporting
facility and/or any promotional equipments including stock of general stores
and food-stuffs, any kind of chillers and machineries or equipment related to
supermarket, moveable equipments, guest effects for which the Insured has
assumed liability and all other stocks/contents of every type and description
not otherwise insured the property of the Insured and/or held by them in trust
or on commission whilst in and/or about the Insured premises.
SUM
INSURED IDR._________________
C. On
machinery
On all machinery and supermarket equipment i.e.
Chillers, air-conditioning system, lift,
moveable-equipment non-licensed vehicle, piping installation, design, moulds,
pattern, supporting and protective structure, including but not limited to
lighting system, fire-fighting equipment, compressor, washing and cleaning
machine, generator, chiller - boiler, storage-tanks, conveyer-belt,
moveable-equipment, pressing/packaging machine, meat-cutting machine,
electronic scales, bakery machine (oven) microwave and equipment, cash register
machine, any other promotional machine and all other accessories attached
thereto, stand-by machinery and spare-parts which all contained within the
premises and owned by the Insured and/or rented and/or held in trust or on
their custody or on commission or on consignment and for which the Insured are
responsible whilst in and/or about the Insured premises.
SUM
INSURED IDR._________________
TOTAL SUM INSURED IDR. ________________
SAMPLE WORDING UNTUK
RESTAURANTS
INTEREST AND SUM
INSURED :
On
all real and personal property of any kind nature or description in and/or
about the Insured premises including any kinds of restaurant’s machinery and equipment and
furniture including but not limited to all cooking and cleaning equipment and
kitchen equipment, chillers-boilers,
freezers, dishwasher, washing machine, mixing-machines, gas pipe, electrical
equipment and electronic appliances, sound system and their relevant accessories
including other supporting facilities, AC, PABX, Key Telephone and Mobile-phone,
Televisions, Audio and Video Equipments and its supporting tools, Power Supply
and Amplifiers, Computers and internet including its installation structures,
Cash Register Machine, moveable equipment, furniture, fixtures-fittings and
utensils of trade of every description, any kinds of interior decorations and
improvements, food-stuff including spices, etc, business books including cost
of rewriting business records computer office inventory and furniture office
equipment guests and tenants’ effects for which the Insured has assumed
liability and all other contents of every type and description not otherwise
insured the property of the Insured and/or held by them in trust or on
commission whilst in and/or about the Insured premises (Cover shall be deemed
to include the property of the guest and tenants where the insured has assumed
liability with limit of IDR. _________,- any one accident)
TOTAL
SUM INSURED
IDR. ______________
SAMPLE WORDING UNTUK SPA
& CAFÉ
INVENTORY & DECORATIONS
1. OFFICE INVENTORY
On all office inventory office
machinery and equipment, office furniture, stationery, equipments including
computers, laptop, printers, internet installation including its supporting
materials and installation structures, documents and stamps, money and money
negotiable, fixtures-fittings tools including but not limited to Televisions,
Audio/Video/Sound Systems, AC, CCTV, PABX and Telephone set, mobile-phone,
Computers & Laptop including its installation network and its supporting
structures & spare-parts, fax and copy machine, and
utensils of every type and description business book including cost of
rewriting business records computers records and software guests effects for
which the Insured has assumed liability and all other contents of every type
and description not otherwise insured the property of the Insured and/or held
by them in trust or on their custody or on commission or on consignment whilst
in and/or about the Insured premises.
SUM INSURED IDR._____________
2. OTHER CONTENTS AND DECORATIONS
On all spa decorations, ornaments
and accessories and spa equipment and spa inventory, machinery and any other
equipment related to the business, works of arts i.e. paintings, statue,
antiques, brine brackish water aquarium, furniture fixtures-fittings
tools and all other contents of every type and description not otherwise
insured the property of the Insured, guests effects for which the Insured has
assumed liability and/or held by them in trust or on their custody or on commission
or on consignment whilst in and/or about the Insured premises.
SUM
INSURED IDR.
______________
SAMPLE WORDING COVERAGE
UNTUK MACHINERY
~
Machinery Breakdown :
Any
sudden and unforeseen loss or damage and includes loss or damage resulting from
:
·
Careless incompetent or negligent acts of employees
or third parties
·
Structural defects, materials defects or defect of
design or assembly
·
Fortuitous working accidents such as vibration,
maladjustment loosening of parts, abnormal stresses metal fatigue, centrifugal
force excessive, speed defective or accidental lack of lubrication, seizure
water hammer or local overheating failure of or faults in protection devices.
·
Falling, impact, collision or similar occurrences,
obstruction or the entry of foreign bodies
·
Storm, frost or drifting ice
·
The effects of electric current following excessive
or insufficient voltage, failure of insulation, short circuits, open circuit or
arcing or the effects of static electricity
·
Explosion and Implosion of Boilers and Chillers
SAMPLE WORDING INTEREST
INSURED
ON MACHINERY
On
machinery plant including its supporting and protective structures and all
other mechanical tools electrical and electronic and computerized equipment
including air-conditioning system, lift, moveable-equipment, non-licensed
vehicle, piping, design, moulds, pattern, supporting and protective structure
but not limited to lighting system, fire-fighting equipment, compressor,
washing and cleaning machine, generator, chiller-boiler, storage-tanks,
conveyer-belt, moveable-equipment and all other accessories attached thereto
stand-by machinery and spare-parts which all contained within the premises
owned by the Insured and/or rented and/or held in trust or on commission and
for which the Insured is responsible whilst in and/or about the Insured
premises.
Catatan
:
q
Perlu dilakukan penyesuaian ulang, dengan melihat
Okupasi dari tertanggung, seperti misalnya industry Bakery, dengan
mempertimbangkan mesin-mesin yang digunakan lebih spesifik.
SAMPLE WORDING INTEREST
INSURED ON STOCK
On stock of raw materials materials in process of production finished
products waste product and including spare-parts and other supporting
materials, packaging materials and all other stock of every type and
description not otherwise insured the property of the Insured and/or held by
them in trust or on commission or on consignment whilst in and/or about the
Insured premises.
Catatan
:
q
Perlu dilakukan penyesuaian ulang, dengan melihat
Okupasi dari tertanggung, seperti misalnya industry/perdagangan barang tertentu
yang lebih spesifik, misalnya Automotive, used or new car dll.
SAMPLE WORDING INTEREST
INSURED ON HOME-CONTENT (HOUSEHOLDS)
On all house hold appliances and furniture electronics
and electrical home appliances curiosity including but not limited to AC,
Mobile phone & Handphone, Computers, laptop and printers, money and all
other contents of every type and description not otherwise insured the property
of the Insured and/or held by them in trust or on their custody or on
commission or on consignment whilst in and/or about the Insured premises.
Catatan :
q
Perlu
diperhatikan, situasi rumah tinggal yang akan diasuransikan, seperti misalnya
tertanggung minta dicover termasuk “works of arts=patung, lukisan dll” dan juga
untuk beberapa spesific items seperti “Sets of Golf Equipment – Tools &
Supporting Equipment”, Handphone, mobile-phone
dll.
SAMPLE WORDING INTEREST
INSURED ON OFFICE-CONTENT (OFFICE INVENTORY)
·
On all office inventory office machinery and
furniture fixtures-fittings tools and all other contents of every type and
description including but not limited to AC, PABX and Telephone set,
mobile-phone and hand-phone, Fax and Copy machines, computers & laptop
including its installation network (LAN & Internet) and its related &
supporting structures, money and money negotiable, business book including cost
of rewriting business records, computer records and software, guests effects
for which the Insured has assumed liability and all other contents of every
type and description not otherwise insured the property of the Insured and/or
held by them in trust or on commission whilst in and/or about the Insured
premises.
SAMPLE WORDING INTEREST
& SUM INSURED PUBLIC LIABILITY INSURANCE
All
sums which the Insured shall become liable to pay for compensation and all
costs and expenses of litigation arising out of accidental death and/or bodily
injury and/or accidental loss and/or damage sustained by Third Party including
but not limited to the visitors/tourists/guests and/or users and/or property
and contents belonging to or held in trust by or in the custody or control of
the Insured arising out of all operations and/or the Ownership and Management
of PT. ___________________ including property belonging to guests or
visitors while such property is within the premises or under the Custody or
control of the Insured and/or any third parties in the Insured’s service while
engaged in the Insured’s business and/or trade.
SAMPLE WORDING INTEREST
& SUM INSURED PUBLIC & PRODUCT LIABILITY INSURANCE
All
sums which the Insured shall become liable to pay for compensation and all
costs and expenses of litigation arising out of accidental death and/or bodily
injury and/or accidental loss and/or damage sustained by Third Party including
but not limited to the visitors/tourists/guests and/or users and/or property
and contents belonging to or held in trust by or in the custody or control of
the Insured arising out of all operations and product manufactured by the
Insured including property belonging to guests or visitors while such property
is within the premises or under the Custody or control of the Insured including
product manufactured and/or made and/or distributed by the Insured and/or any
third parties in the Insured’s service while engaged in the Insured’s business
and/or trade. (Including liability arising from the sales, supply, construction
or manufacture by or on behalf of the Insured including any commodity outside
the
SAMPLE WORDING INTEREST
& SUM INSURED FIDELITY GUARANTEE INSURANCE
Covering the Insured for acts of any of their
employees involving larceny, embezzlement or fraudulent and/or misappropriation
of money including all company’s assets such as company’s motor-car and
motor-cycle, stocks and inventory etc. belonging to the Insured and entrusted
to the employee and which shall be committed during the continuance of this
insurance and during the uninterrupted employment of the employee and
discovered during the continuance of this insurance and/or within the twelve calendar months after the
expiration of the policy or the death, dismissal, resignation or retirement of
the employee from the service of the Insured whichever of these events shall
first occur.
SAMPLE WORDING COVERAGE
MONEY INSURANCE
CASH
IN SAFE
Loss of money
money orders by any cause whatsoever in the personal custody of the Insured
and/or their authorized employees and/or in the locked safes and/or petty cash
and/or whilst in and/or about the Insured premises.
CASH IN TRANSIT
Loss of money
money order by any cause whatsoever in the circumstances described in the
schedule.
SCHEDULE :
The Schedule shall include any stop-over until the
final destination.
q From the
Banks’ to the Insured’s premises and vice/versa
q From the
Insured’s premises to their Clients’ and/or suppliers’ and vice-versa
q From the
Insured’s premises to their other premises and vice-versa
q In all
areas within the plant and including distribution with the Plant
q Travel
allowances from Insured’s premises to anywhere in
Additional Extension Clauses dalam Money Insurance :
- Damage to
Safe/Drawers/Cabinets/Cash Registers/ Cash Boxes Endorsement.
“It is
hereby declared and agreed that this policy shall extend to cover damage to
Safe/Drawers/Cabinets/Cash Registers/Cash Boxes containing the articles insured
in furtherance of Burglary, Housebreaking or any attempt thereat, provided that
the maximum liability of the Company is not exceeding than the limit of
liability any one loss/event.”
- Dishonesty of Employees (if
Discovered within 72 hours)
“Notwithstanding of
anything in the policy to the contrary, this Policy is extended to cover
dishonesty by the Insured’s Employee subject to being discovered within 72
hours.”
- Extended to Cover Personal
Accident for 2 (two) persons of the Insured’s employee(s) in charge of the
money which covers Death, Permanent Disablement (Continental Scale) with
Limit Rp. 50.000.000,00 and Medical Reimbursement with limit 10% of Death
benefit (anyone employee and anyone accident).
SAMPLE WORDING UNTUK
DEDUCTIBLE IPAR & BI
DEDUCTIBLE :
v For
All Other Causes :
The
Insurers shall not be liable for the first USD.
____.00 for any one loss or series of
losses arising out of the same event except for fire, lightning, explosion,
aircraft damage and smoke where no deductible shall apply.
v Riot,
Strike, Malicious Damage, Civil Commotion
Deductible : 10
% of Recoverable Claim Amount with minimum Rp.
1……….- for any one loss or series of losses arising out of the same
event.
v Vehicle
Impact : Rp. ………..,-
v Windstorm, Tempest, Flood,
Water Damage, Subsidence & Landslides :
Deductible : 10 %
of Recoverable Claim Amount for any one loss or series of losses arising out of
the same event.
v Earthquake, Fire and
Explosion following Earthquake, Volcanic Eruption and Tsunami
Deductible :
2.5 % of
Total Sum Insured in respect of Property Damage for any
one loss or series of losses arising out of the same event.
v On Business Interruption
Deductible : 3
(three) Days (For BI Following IPAR & MB)
14
(fourteen) Days (for Earthquake as tariff)
Catatan:
- Dicantumkan
jika Asuransi I/PAR+BI
- Dicantumkan
jika IPAR diperluas dengan MB & BI Foll MB
SAMPLE WORDING COVERAGE
IPAR+MB+EQ+BI
COVERAGE :
q
SECTION I – MATERIAL DAMAGE :
All risk of physical loss and/or
damage to the Insured property from any cause except as hereinafter excluded.
q
SECTION II – BUSINESS INTERRUPTION (Following
Property All Risk) :
One hundred percent (100%) of the
amount which the Insured is entitled to recover under the provisions of the attached
specification which is declared to be incorporated in and to form part of this
schedule but not exceeding the Total Sum Insured hereby.
Ø
On
Standing Charges, Salaries, Bank Interest and Increase in cost of working
q SECTION III - MACHINERY BREAKDOWN :
o
RISK COVERED :
Any
sudden and unforeseen loss or damage and includes loss or damage resulting from
:
·
Careless incompetent or negligent
acts of employees or third parties
·
Structural defects, materials
defects or defect of design or assembly
·
Fortuitous working accidents such
as vibration, maladjustment loosening of parts, abnormal stresses metal
fatigue, centrifugal force excessive, speed defective or accidental lack of
lubrication, seizure water hammer or local overheating failure of or faults in
protection devices.
·
Falling, impact, collision or
similar occurrences, obstruction or the entry of foreign bodies
·
Storm, frost or drifting ice
·
The effects of electric current
following excessive or insufficient voltage, failure of insulation, short
circuits, open circuit or arcing or the effects of static electricity
·
Explosion and Implosion of Boilers
and Chillers
q
SECTION IV– BUSINESS INTERRUPTION (Foll. Machinery
Breakdown ) :
One hundred percent (100%) of the
amount which the Insured is entitled to recover under the provisions of the attached
specification which is declared to be incorporated in and to form part of this
schedule but not exceeding the Total Sum Insured hereby.
Ø
On
Standing Charges, Salaries, Bank Interest and Increase in cost of working
q
SECTION V– EARTHQUAKE, FIRE AND EXPLOSION FOLLOWING
EARTHQUAKE, VOLCANIC ERUPTION AND TSUNAMI
SUB
LIMIT AND LIMIT OF LIABILITY :
All Sub limit and Limit of
Liability is applicable in excess of deductible.
- Combined
Single Limit for Machinery Breakdown and Business Interruption following Machinery Breakdown to the
amount of USD. 2,500,000.00 anyone occurrence and in the aggregate.
SAMPLE WORDING UNTUK C,EAR +
TPL
WORKS
/ PROJECT AND LOCATION :
The design, supply, construction, erection of “_____________________________” comprising the entire contract works and/or
installation and/or part and/or preparatory and/or auxiliary works of any kind
and/or description and/or temporary works as well as permanent and all
materials incorporated therein including property contracted, erected,
supplied, installed, repaired, revised including all testing and/or
commissioning as required.
INTEREST INSURED : Section I – MATERIAL DAMAGE
Construction
and Erection All Risk
All Risk on
Contract-Works
On
the whole of the site formation of contract-works including but not limited to
Civil Works, Erection of Machineries and Parts fixtures-fittings cable piping
etc. all materials incorporated and/or to be incorporated therein the property
of the assured on for which they are responsible whilst on the site of work
and/or materials for the purpose of the contract stored on the site of work
including the Contractor’s and/or Sub–Contractors plant and machinery and
equipment.
LOCATION OF
RISK:
___________________________
Section
II – LIABILITY TO THE THIRD PARTIES
Legal
liability for damages payable as a result of accidental death and/or bodily
injury to third parties and/or accidental loss or damage of property belonging
to third parties.
EXTENSION CLAUSES AND CONDITIONS
APPLICABLE :
1. 50/50 Clause
2. 72 Hours Clause (for EQ/VE
only)
3. Automatic Increase
Clause (10 %)
4. Average Relief Clause (90 %)
5. Cross Liability Clause (
6.
Strike, Riot, Civil
Commotion Endorsement (Munich-Re 001)
7.
Designer’s Risk Clause
/ Faulty Design
8.
Employers Liability Clause (Limit :
IDR. 50.000.000,- anyone loss).
“It is hereby noted and agreed that this policy
shall extend any liability as a result of bodily injury and/or property damage
of the employees while they are working in the Insured premises”
9.
Escalation Clause (10 % of Total
Sum Insured)
10. Expediting
Expenses Clause ( max limit 5 % of TSI) (Munich Re 006)
11. Extended
Maintenance Clause (Munich-Re 004)
12. Extra
Charges Clause
13. Fire
Extinguisher Cost Clause (5% of TSI)
14. Interest
of Other Parties Clause
15. Loss
Notification Clause (30 days)
16. Manufacturer’s
Risk Endorsement (Munich-Re 200)
17. Notification
Clause
18. Nominated
Loss Adjuster Clause
It
is hereby noted and agreed that in the event of a loss the following Adjusters
should be appointed and the Preliminary and/or Final Report should be forwarded
to the Agent and/or the Broker concern.
Nominated Loss Adjusters :
v PT.
Cunningham Lindsey
v PT.
Japenansi Nusantara (GAB Robbins)
19. Outside Premises Storage Clause
(Limit IDR. 250.000.000,- anyone loss)
20. Prior Use 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.
21. Payment on Account Clause
22. Plans and Documents Clause
23. Professional Fees Clause (5% of
TSI)
24. Removal of Debris Clause (Limit 5 %
of TSI within the Sum Insured)
25. Thirty (30) Days Cancellation
Clause, except for RSMDCC ; 3 days
“Both
the Insurer and the Insured are entitled to terminate this insurance upon
thirty (30) days notice in writing being given. Such termination should be
effected by the registered letter and the Insured entitle to a pro-rata refund
premium for the un-expired period of Insurance”.
26. Vibration, Subsidence Collapse,
Weakening of Support Clause
27. Waiver of Subrogation Clause
A. BUILDING
On building and all real and personal property of
any kind nature or description in and/or about the insured premises including
but not limited to materials on the ground and all structural appurtenances,
fixtures-fittings attached and belonging thereto and external walls gates,
fences, car parks, driveways, pavements, gangways, alleys and annexes
underground cable supplies, gas-pipes, machinery and plant (including its
supporting and protective structures) lift, generators, chiller-boilers,
moveable-equipment, non-licensed vehicle,
furniture, fixtures-fittings and utensils of every description including but not limited to Office inventory and equipment,
Televisions, CCTV, AC, PABX and Telephone set, mobile-phone and hand-phone, Fax
and Copy machines, computers & laptop including its installation network
(LAN & Internet) and its supporting equipment, all kitchen
equipment, sports club and restaurant including other supporting facilities, including their inventory, interior decoration and
improvements, business books including cost of rewriting business records
computer records and software, landscape and cost of replanting the
garden guests and tenants effects of which Insured has assumed liability and
all other contents of every type and description not otherwise insured the
property of the Insured and/or held by them in trust whilst in and/or about the
Insured premises.
(Cover shall be deemed to include the property of
the guests and tenants for which the Insured has assumed or wishes to have
assumed liability with limit USD. __________ any one accident).
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