Water, Flood & Fumes Extension

It is hereby declared and agreed that this policy extends to cover liability arising out of water, flood and fumes.

Property Held in Trust

It is hereby declared ad agreed that th Insured will indemnify the Insured against all sums for which the Insured shall become legally liable consequent upon death bodily injury illness loss or damage as within defined in connection with the property held in trust or under control of the Insured.

Private Works for Director and Executive

This Policy is extended to indemnify the Insured and any director or executive of the Insured in respect of the employment on private duties of an employee of the insured by such director or executive.

Provided that
a) Such director or executive is not entitled to indemnify under any other policy or policies
b) The extension by this endorsement shall not apply to or include liability in respect of injury to any person under a contract of service or apprenticeship with the director and/or executive where the injury arises out of and in the course of such person’s employment or service with the director and/or executive.
c) Such director and/or executive shall as through he were the Insured observe fulfill and be subject to the terms exceptions limits and conditions of this policy so far as they can apply.
d) The extension by this endorsement shall not operate to increase the Company’s liability as set forth in the Schedule of Limits of Indemnity beyond the amount or amount for which the Company would be liable if the Policy were not so extended.

Office Keeper's Liability

Notwithstanding of anything contained in the Policy, this insurance is extended to cover for loss or damage to the tenant's and guest's property occuring at the Insured premises, controlled by the Insured Security to which this policy applies as described in the schedule.

Inkeeper's Liability

It is understood that this Policy is hereby amended as indicated below. All other terms of this policy remain unchanged.

To pay on behalf of the Insured all sums, which the Insured shall become legally, obligated to pay reason of liability for damages because of injury to, destruction of or loss of property of the guests/visitors while in such premises.

Special exclusions :
1. Occasioned by the negligence/misconduct of the guests/visitors
2. Arising out of the act of GOD and public enemy
3. Losses caused by loss of or damage to automobiles or property in
automobile

Guest Effect Clause

To pay on behalf of the Insured all sums which the Insured shall become legally liable to pay by reason of liability for damage because of injury to destruction of, or loss of, property belonging to guests/visitors including car(s) and its (their) contents at the Insured premises while such property is within the premises, or in the possession of the Insured.

Food & Drink Poisoning Endorsement

Notwithstanding anything herein contained to the contrary it is hereby understood and agreed that the Policy will subject to its term limitations and conditions extends to cover the Insured’s Legal Liability arising out of claims made in respect of poisoning of any kind arising from food and drinks or other goods sold or supplied or to the presence of deleterious matter in such food and drinks or other goods.

Provided always

that this Policy is issued on the expressed conditions that the Company shall not be liable thereunder unless the Insured shall at all times take every possible precaution to prevent the supply or sale of any articles or other goods which are not in good condition, free from contamination and fit for human consumption.

First Aid Clause

It is hereby declared and agreed that the Company will indemnify the Insured against all sums for which the Insured shall become legally liable consequent upon death bodily injury illness loss or damage as within defined arising out of provision 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 volunteer of any hospital or ambulance organization

Fire & Explosion Endorsement Clause

Notwithstanding anything herein contained to the contrary it is hereby understood and agreed that the Policy will subject to the terms, limitations and conditions extended to cover the Insured’s Legal Liability for fire and for explosion damage.

Employee's Legal Liability

It is hereby declared and agreed that the Insurance by this Policy is extended to cover the Legal Liability of th Insured's employee in respect of any bodily injury or damage to propertyof Third Party, provided always that the liability shall not in any case exceed the limit of liability specified in th Policy.

Employee Sports and Social Club Facilities

The Insured’s business shall be understood to include the provisions of social, sports and welfare activities for the benefit of the Insured’s employee.
For the purpose of this endorsement the company will treat as though he were the Insurer for any employee whilst engaged in the above mentioned activities provided that :
Ø Such employee is not entitled to indemnify under any other Policy.
Ø Such employee shall observe the terms of this Policy insofar as they can apply
In respect of any claim or number of claims arising out of one cause the Company is liable to indemnify more than one party the total amount of indemnity to all parties shall not exceed the limit of liability.

Cross Liability Clause

It is agreed and understood that otherwise subject to the terms, exclusions, provisions and conditions contained in the Policy or endorsed thereon, the Third Party Liability cover of the Policy shall apply to the insured parties named in the Schedule as if a separate Policy had been issued to each party, provided that the Insurers shall not indemnify the Insured under this Endorsement in respect of liability for :
- loss of or damage to items insured or insurable under section I of the Policy, even if not recoverable due to an excess or any limit
- fatal or non fatal injury or illness of employees or workmen who are or could have been insured under workmen’s compensation and/or employees liability insurance.

The Insurers’ total liability in respect of total liability of the insured parties shall not however exceed in the aggregate for any one accident or series of accidents arising out of one event the limit indemnity stated in the Schedule.

Casual Contractor Clause

It is hereby declared and agreed that the Insurance under this policy is extended to cover the Insured’s Legal liability for injures, illness, loss or damaged caused by any of the Insured’s contractors and sub-contractors and happening in connection with the carrying out of work by them for the insured.

It is further declared and agreed that in respect of such injuries, illness, loss or damage caused as aforementioned for which the said contractors and sub-contractors are responsible, the Company will at the request of the Insured treat these contractors as though they were also the Insured under this Policy provided that the contractors and sub-contractors shall observe, fulfill and be subject to the terms, limits, exceptions, provisions and conditions of this Policy insofar as they applied.

Car Parking Liability

It is hereby declared and agreed that the Insurance by this Policy is extended to cover the Legal Liability of the Insured in respect of loss or damage to vehicle insured under the control of the Insured or the Insured’s parking attendants whilst in the car park of the Insured.

Provided always that :

1. The Insurer shall not be liable for any such loss or damage insofar as such loss or damage is covered by any other insurance.
2. The liability of the Insurer under this endorsement in respect of any such loss or damage and under the Policy in respect of any bodily injury or damage to property shall not in any case exceed the limit of liability specified in the Policy.

Advertising Signs Clause

It is hereby declared and agreed that the compensation for medical expenses shall extend to include the costs of air transportation of any of the lives insured for medical treatment provided that such transportation is certified by a fully qualified medical practitioner as being necessary and provided that the limit of compensation for medical expenses is not exceeded as a result thereof.