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1. ALTERATIONS CLAUSE -The Insurance by this Policy shall not be prejudiced by any alterations or occupancy due to the transfer of processes or machinery in the Buildings nor by any structural change and/or repairs limited to the Buildings, Machinery and/or Plant provided that notice be given to the Insurers as soon as practicable after such transfer or alteration has been made and an additional premium paid if required from the date of such alteration.
2. ANNEXE : It is understood that except where specifically insured, external fire escapes, hoists, gangways, external clocks, gates and staircases, pipes, also water tanks over or forming roofs of buildings, external trunks, conveyors, shafting, belting and ropes, small outside buildings and their contents, weight bridges; also conveniences adjoining any of the aforesaid buildings and the buildings and contents of an extension to and communicating with any of the above described buildings, are held to be insured under the respective column headings by the item applying to the building to which such property is attached or belongs. 3. AUTOMATIC COVER FOR NEW COMPANY ACQUISITIONS UP TO JD... It is noted and agreed that the insurance provided by this Policy extends to include new acquisitions of additional companies up to a maximum value of 10 % of Buildings Sum Insured such acquisitions to be notified to Insurer(s) within 30 days of the acquisition. The Insured agrees to pay any additional premium thereby incurred. This extension of cover shall not apply to paint or plastic companies of any nature whatsoever. 4. AUTOMATIC INCREASE CLAUSE ( STOCK ITEMS )- Should the amount at risk at any time exceed the sums insured, it is hereby understood and agreed that the sum insured hereby is automatically increased to cover that excess, if being understood that the Insured undertakes to advise the Insurer(s) within 30 days of such increase and pay the additional premium thereon, but the Insurer's additional liability shall be limited 20 % of the total sum insured. In consideration of the sums insured not being reduced of any loss it is hereby declared and agreed that the Insured shall pay the appropriate extra premium on the amount of the loss from the date thereof to the date of the expiration of the period of insurance. 6. Architects' and other professional fees clause This insurance includes professional fees (for estimates, plans, specifications, quantities, tenders and supervision) necessarily incurred in the reinstatement or replacement of the property insured following damage by a defined event 7 . CAPITAL ADDITIONS ( NOT APPLICABLE TO STOCK ITEMS ) - The Insurance by this Policy extends to cover alterations, additions and improvements ( but an appreciation in value in excess of the sums insured ) to property specified in item of the Schedule attached hereto for an amount not exceeding in the aggregate 10 % it being understood that the Insured undertakes to advise the Company each quarter of any such alterations, additions and improvements and to pay the appropriate additional premium thereon. This Insurance hereby shall not be prejudiced by any change in occupation beyond the control of the Insured, provided that the Insured shall give notice in writing to the Company within (30 ) thirty days of said change and pay an additional premium if required. In respect only of goods sold but not delivered for which the Insured is responsible and with regard to which under conditions of the sale, the sale contract is cancelled by reason of fire or any other peril hereby insured against wither wholly or to the extent of the loss or damage, the liability of the Insurer(s) shall be based on the contract price, and for the purpose of Average the value of goods to which this clause would in the event of loss or damage be applicable shall be ascertained on the same basis. It is hereby expressly declared and agreed notwithstanding anything contained in the within policy to the contrary but subject to its terms, limitations and conditions, that as regards Customers Goods, this policy indemnifies the insured against its legal liability for destruction or damage of such property by fire or any other peril hereby insured against or if there is no legal liability then it indemnifies the Customers through the insured but, only to the extent of that loss in respect of which the Customer is not indemnified by any other Policy. Condition 11 of the Policy is amended to read as follows: Claims - on the happening of any loss or damage the Insured shall forthwith give notice thereof to the Company, and shall within days after the loss or damage or such further time as the Company may in writing allow in that behalf, deliver to the Company. a) a claim in writing for the loss and damage containing as particular an account as may reasonably practical of all the several articles or items of property damaged or destroyed and of the amount of the loss or damage thereto respectively, having regard to their value at the time of the loss or damage, not including profit of any kind; b) particulars of all other insurance, if any ; The Insured shall also at all times at his own expense produce, procure and give to the Company all such further particulars, plans, specifications, books, vouchers, invoices, duplicates or copies thereof, documents, proofs and information to the claim and the origin and cause of the fire and the circumstances under which the loss or damage occurred and any matter touching the liability or the amount of liability of the Company as may be reasonably required or on behalf of the Company together with a Declaration on oath or in other legal form of the truth of the claim and of any matters connected therewith; No claim under this Policy shall be payable unless the terms of this Condition have been complied with. 12. DAYS NOTICE OF CANCELLATION - Condition 10 of this Policy is amended to read as follows This Insurance may be terminated at any time at the request of the Insured, in which case the Company will retain the customary short period rate for the time the Policy has been in force. This Insurance may also at any time be terminated at the option of the Company, on days notice to that effect being given to the Insured, in which case the Company shall be liable to repay on demand the rateable proportion of the premium for the unexpired term from the date of cancellation. In Consideration of the premium by Item(s) being provisional in that it is calculated on 75 % of the sum insured hereby and is subject to adjustment on expiry of each period of insurance. The Insured agrees to declare to the Company in writing the value of his stocks, less any amount Insured by policies other than declaration policies, on the following basis namely, the value at risk on a specified day of the month and to make such Declaration within 30 days of the agreed date of calendar month, such declaration to be signed by the Insured or by a representative person authorized to sign on his behalf. If other policies on a declaration basis cover the stock hereby insured the declaration shall be made so as to apportion to each policy a share of the value of stocks insured under such declaration policies, pro rata to the respective amounts named in the Policies. In the event of a declaration not being made within 30 days mentioned above then the Insured shall be deemed to have declared the sum insured hereby as value at risk. On expiry of each period of insurance the premium shall be calculated at the rate agreed on the average sum insured, namely the total of the values declared or deemed to have declared divided by the number of declaration due to have been made.
If the resultant premium be greater than the provisional premium the Insured shall pay the difference ; if it be less the difference shall be repaid to the Insured but such repayment shall not exceed 50 % of the provisional premium. B. If at the time of any loss, there be any other existing insurance or insurance on other than a declaration basis, whether affected by the Insured or by any other person or persons, covering the stocks hereby insured, this policy shall apply only to the excess of the value of such stocks at the time of the loss over the sum insured by such other insurance or insurance and this Company shall not liable to pay or contribute more than that proportion of such loss which such excess ( or, if there be other declaration insurance covering the same stocks, a rateable proportion of such of excess ), but not exceeding the sum insured hereby, bears to the total value of the stocks. C. If after the occurrence of a loss it is found that the amount of the last declaration previous to the loss is less than the amount that ought to have been declared, then the amount which would have been recoverable by the Insured shall be reduced in such proportion as the amount of the said last declaration bears to the amount that ought to have been declared. D. Notwithstanding the occurrence of a loss it is understood that the sum insured will be maintained at all times during the currency of the Policy and the Insured therefore undertake to pay extra premium on the amount of any loss pro rata from the date of such loss to the expiry of the period of insurance, the premium being calculated at the rate applicable to stocks destroyed and such extra premium shall not be taken into account, in, and shall be distinct from the final adjustment of premium. E. In the event of this Policy being cancelled by the Insured during its currency ( whether stocks exist or not ) the premium to be retained by the Company shall be the appropriate short period premium calculated on the average amount insured up to the date of cancelment, or 50 % of the provisional premium whichever is the greater; but if the Policy is cancelled by the Insured after a loss has occurred the premium to be retained by the Company shall be the pro rata proportion of the premium calculated on the average amount insured up to the date of cancelment plus the pro rata proportion of the premium from the date of loss to the expiry of the period of insurance on the amount of the loss paid, or 50 % of the provisional premium whichever is the greater. F. The maximum liability of the Company shall not exceed the sum insured hereby and premium shall not be receivable on values in excess thereof. The sum insured may, however, be increased by prior agreement with the Company in which event the new sum insured and the date from which it is effective will be recorded on the Policy by endorsement. G. If the property hereby insured shall at the time of occurrence of any loss or damage be collectively of greater value than the sum insured thereon, then the Insured shall be considered as being his own Insurer for the difference, and shall bear a rateable proportion of the loss accordingly. Provided, however, that in the adjustment of any loss or damage no inventory for the purpose of ascertaining the application of the foregoing clause shall be required unless the amount of damage is at least five per centum ( 5 % ) of the amount of the insurance. Every item, if more tan one, of the Policy, shall be separately subject to this condition. H. It is warranted that every other Policy on a declaration basis covering the stocks insured hereby shall be identical in wording with this Policy. I. THIS insurance is subject in all respects to the printed conditions of the Policy except insofar as they may be varied by these Special Conditions. For the purpose of determining where necessary the heading under which any property is insured. The Company(s) agrees to accept the designation under which such property has been entered in the Insured's Books. notwithstanding anything contained herein to the contrary, this Policy extends to include loss or damage caused by direct physical loss or damage to the property insured caused by : - 1. Change in temperature 2. Contamination or Spoilage PROVIDED that such change in temperature, contamination or spoilage results from accidental mechanical breakdown of refrigeration plant. The term " accidental mechanical breakdown " for the purpose of this extension shall mean only: - breakdown caused by fire, lightning or any other peril insured against. 16. ELECTRONIC DATA RECOGNITION CLAUSE ( EDRC (B) NMA 2501 ) Section 1 : This Policy does not cover any loss, damage, cost, claim or expense whether preventative, remedial or otherwise, directly or indirectly arising out of or relating to : (a) the calculation, comparison, differentiation, sequencing or processing of data involving the date change to the year 2000, or any other date, including leap year calculations, by any computer system, hardware, programme or software and/or microchip, integrated circuit or similar device in computer equipment or non-computer equipment, whether the property of the insured or not. (B) by change, alteration or modification involving the date change to the year 2000, or any other date, including leap year calculations, to any such computer system, hardware, programme or software or any microchip, integrated circuit or similar device in computer equipment or, non-computer equipment whether the property of the insured or not. This clause applies regardless of any other cause or event that contributes concurrently or in any sequence to the loss, damage, injury, cost, claim or expense. However, this section shall not apply if physical damage occurs at the Insured's premises arising out of the perils of fire, lightning, explosion, aircraft or vehicle impact, falling objects, windstorm, hail, tornado, hurricane, cyclone, riot, strike, civil commotion, vandalism, malicious acts, volcano, tsunami. Section 2 : notwithstanding Section 1 above, this Policy does not cover any costs and expenses, whether preventative, remedial or otherwise, arising out of or relating to change, alteration or modification of any computer system, hardware, programme or software of any microchip, integrated circuit or similar device in computer or non-computer equipment, whether the property of the insured or not. Section 3 : the date change to the year 2000, or any other date change, including leap year calculations, shall not in and of itself be regards as an event for the purposes of this Policy. In consideration of the payment if an additional premium amounting to 50 % of the premium produced by applying the specified percentage to the first or the annual premium appropriate on the undernoted item(s), the sum (s) insured thereby shall, during the period of insurance, be increased each day by an amount representing 1 / 365 th of the specified percentage increase per annum. ITEM NUMBER SPECIAL % INCREASED PER ANNUM Unless specifically agreed to the contrary the provision of this Clause shall only apply to the sums insured in force at the commencement of each period of insurance. At each renewal date the Insured shall notify the Company(s):- (1) The sums to be insured under each item above, but in the absence of such instructions the sums insured by the above items shall be those stated on the Policy ( as amended by endorsements effective prior to the aforesaid renewal date ) to which shall be added the increases which have occurred under this Clause during the period of insurance up to that renewal date, and; (2) The specific percentage increase(s) required for the forthcoming period of insurance but in the absence of instructions to the contrary prior to the renewal date of the existing percentage increase shall apply for the period insurance from the renewal. All conditions of the Policy except insofar as they may be hereby expressly varied shall apply as if they had been incorporated herein. 18. FAILURE OF PUBLIC ELECTRICITY/WATER SUPPLY CLAUSE - It is hereby understood and agreed that subject to the conditions of the policy, the cover is extended to include loss as insured by this Policy resulting from : a. Failure of electricity supply; b. Failure of water supply with the following exceptions; EXCEPTIONS This extension does not cover; 1. Loss caused directly or indirectly by war, invasion, act of foreign enemies, hostilities or warlike operations ( whether war be declared or not ) mutiny, insurrection, rebellion, revolution, conspiracy, military or usurped power. 2. Loss caused by breakdown of the Insured's own plant, machinery or equipment unless such breakdown is directly caused by failure of the electrical supply. 3. Loss caused directly or indirectly by theft or attempt thereat. 4. a) Explosion ( including fire following explosion ) occasioned by or happening through any act of any person acting on behalf of, or in connection with any organization with activities directed towards the overthrow by force of the Government " de facto " or to the influencing of it by terrorism or violence. b) the deliberate act of any Supply Authority nor by the exercise of any Authority of its power to withhold or restrict supply. 5. Confiscation, commandeering, requisition or destruction of or damage to property by order of the Government " de jure " or de facto " or any Public, Municipal or Local Authority of the country or area in which the property is situated. 6. Cessation of work whether total or partial 7. Shortage of fuel. 8. Drought. IT IS UNDERSTOOD AND AGREED that no claim shall be payable under this Extension for a period of less than (24) twenty four hours. The storage and use of Hazardous Goods usual trade and/or business is allowed. It is understood that the description given is sufficient to identify the property to be covered and that it is the only property so described in which the Insured has/have an interest. Notice is to be given to the Company(s) if any of the Buildings insured are subsequently given names or street numbers. It is hereby declared and agreed that following any request by the Insured for Interim Payment, in the event of loss under this Policy, the Company will make such Interim Payments but subject always to the following conditions ;- i) any such Interim Payments or Payments made will not exceed either singly or collectively 50 % of the total anticipated loss. ii) any such Interim Payments or Payments will be made only after the appointed loss adjusters has recommended payments or payments. It is understood and agreed that in the event of the removal of property from one Building to another or from one premises to another at any of the aforesaid situations being inadvertently not advised to Insurers the Insurance on such property shall follow removal, the necessary adjustments in sums insured and premiums being made as from the date of removal as soon as the oversight is discovered. 23. LANDLORD/ TENANTS CLAUSE - Insurance hereby shall not be prejudice by any act or omission unknown to or beyond the control of the Insured on the part of any tenant occupying or using the premises, provided that the Insured immediately they become aware thereof, shall give notice in writing to the Company(s) and pay additional premium if required. 24. LOOTING FOLLOWING THE OPERATION OF AN INSURED PERIL - It is hereby agreed and declared that Condition 5 (a) of this Policy is deleted and the Insurance provided by this Policy is extended to include loss or damage by THEFT during or after the occurrence of a fire or any other peril hereby Insured until such time as the removal of debris and/or salvaging of the property insured which shall be carried out with reasonable dispatch is completed. PROVIDED always that the Insured shall take all reasonable precautions to safeguard the property Insured and the Company's maximum liability shall not exceed 10 % of the Stock & Contents items for any one occurrence and in the aggregate any one period of insurance.
Any unintentional error or omission in the description and/or location of the property hereby Insured made without design to defraud or misrepresent shall in no way affect this insurance or the right of the Insured to recover hereunder 26. MOTOR VEHICLES AND INTERNAL TRANSPORT : It is hereby agreed and declared that this Policy has been extended to include all Vehicles and conveyances and their Contents used by the Insured for Internal Transport, all other Motor Vehicles and their Contents specifically insured are excluded from the insurance hereby, except of any amount over the above that recoverable under any more specific insurance. 27. MUNICIPAL PLANS - SCRUTINY FEE - The Insurance on a Building under any item of this Policy is declared to include Municipal Plan Scrutiny Fee, provided that the total amount recoverable under any item of the Policy shall not exceed the Sum Insured hereby. 28. OTHER CONTENTS - It is agreed that the terms " Other Contents " is understood to include :a) Money and Stamps not otherwise specifically insured for an amount not exceeding $ b) Documents, manuscripts and business books but only for the value of the materials as stationary, together with the cost of clerical labour expended in writing up, and not the value to the insured of the information contained therein and for an amount not exceeding $ in respect of any one document, manuscript or business book. c)Computer system records but only for the value of the materials together with the cost of clerical labour and computer time expended in reproducing such records ( excluding any expenses in connection with the production of information to be recorded herein ) and not for the value to the Insured of the information contained therein for an amount not exceeding $ d) Patterns, models, moulds, plans and designs for an amount not exceeding $ in respect to any one pattern, model, mould, plan or design. And so far as they are not otherwise insured ; e) Employee's pedal cycles, clothing, tools, and other personal effects for an amount not exceeding $ in respects of any one Employee. Notwithstanding Conditions 3 other insurance's are allowed provided they are declared at the time of making a claim. 30. OUTDOOR FIXTURES FITTINGS - DELETION - notwithstanding anything stated to the contrary in the Policy, this insurance does not cover loss or damage by fire or otherwise occasioned by or through or in consequence of perils as set out under Special Perils Extension to external and fixtures , all signs, smoke stacks, awnings, satellite dishes. Telecommunication towers, lines, power distribution lines and towers. It is hereby agreed that the insurance under this Policy extends to include accidental loss of or damage to fixed glass including the cost of boarding up pending replacement and damage to or cost of removal or restoration of frames and window fittings subject to a limit of indemnity of $ 5,000 any one claim. 32. PROFESSIONAL FEES CLAUSE - The sums insured on the Building(s), Machinery and Plant described in this Policy is declared to include Architects', Surveyors, Consulting, Legal and other fees ( for estimates, plans, specifications, quantities, tenders and supervision ) necessarily incurred in the reinstatement or replacement of said Building(s) Machinery and Plant following destruction or damage by any peril hereby insured against excepting in so far as the Company elects to reinstate or replace wholly or in part any property so damaged or destroyed, but in no case exceeding 10 % of the sum payable under any item of this policy on such Building(s). It is understood and agreed that the amount payable in respect of such fees shall not include expenses incurred in connection with the preparation of the Insured's claim. The Insurance by items(s) of this Policy extends to include such additional cost of reinstatement of the destroyed or damaged property thereby insured as may be incurred solely by reason of the necessity to comply with Building or other Regulations under or framed in pursuance of any Ordinance or with Bye-Laws of any Municipal or Local Authority provided that :- (1) The amount recoverable under this Extension shall not include :- (a) the cost incurred in complying with any of the aforesaid Regulations or Bye-Laws i ) in respect of destruction or damage occurring prior to the granting of this extension ii) in respect of destruction or damage not insured by this Policy iii) under which notice has been served upon the Insured prior to the happening of the destruction or damage iv) in respect of undamaged property or undamaged portions of property, (b) the additional cost that would have been required to make good the property damaged or destroyed to a condition equal to it's condition when new had the necessity to comply with any of the aforesaid Regulations or Bye-Laws not arisen, (c) the amount of any rate tax duty development or other charge or assessment arising out of capital appreciation which may be payable in respect of the property or by owners thereof by reason of compliance with any of the aforesaid Regulations or Bye-Laws. 2. The work of reinstatement must be commenced and carried out with reasonable dispatch and in any case must be completed within twelve months after the destruction or damage or within such further time as the Insurer(s) may ( during the said twelve months ) in writing allow and may be carried out wholly or partially upon another site ( if aforesaid Regulations or Bye-Laws so necessitate ) subject to the liability of the Insurer(s) under this Extensions not being thereby increased. 3. If the liability of the Insurer(s) under ( any item of ) the Policy apart from this Extension shall be reduced by the application of any of the terms and conditions of the Policy then the liability of the Insurer(s) under the Extension ( in respect of any such item ) shall be reduced in like proportion. 4. The total amount recoverable under any item of the Policy shall not exceed the Sum Insured thereby. 5. All the conditions of the Policy except insofar as they may be hereby expressly varied shall apply as if they had been incorporated herein.
The Insurance by this Policy extends to include the cost of re-erecting, fitting and fixing machinery, plant and other operating equipment in the consequence of destruction or damage by any of the Insured perils. It is hereby noted that the Insurance under this Policy covers loss or damage to the property thereby Insured which may be caused by change of temperature resulting from the total or partial destruction or disablement of the refrigerating plant by the Insured perils. It is further noted that the insurance under this Policy covers loss or damage to the property thereby insured due to change of temperature resulting from the failure of the electrical supply caused with the following exceptions: 1. loss or damage caused directly or indirectly by war, invasion, act of foreign enemies, hostilities or warlike operations ( whether war be declared or not ) , mutiny, insurrection, rebellion, revolution, conspiracy, military or usurped power. 2. Loss or damage caused by the breakdown of the Insured's own plant, machinery or equipment, unless breakdown be directly caused by failure of the electricity supply. It is understood and agreed no claim shall be payable under this Extension unless the power failure is for a period in excess of hours and the Company's maximum liability under the above Extension is limited to $ . It is hereby declared and agreed that in the event of the property insured under items(s) of the within Policy being destroyed or damaged, the basis upon which the amount payable under each of the said items of, the Policy is to be calculated shall be the cost of replacing or reinstating on the same site property of the same kind or type but not superior to or more expensive than the Insured property when new, subject to the following Special Provisions and subject also to the terms and conditions of the Policy except insofar as the same may be varied hereby; SPECIAL PROVISIONS 1. The Work of replacement or reinstatement ( which may be carried out upon another site and in any manner suitable to the requirements of the Insured subject to the liability of the Company not being thereby increased ) must be commenced and carried out with reasonable dispatch and in any case must be completed within 12 months after the destruction or damage, or within such further time as the Company may ( during the said 12 months ) in writing allow, otherwise no payment beyond the amount of which would have been payable under the Policy if this memorandum had not been incorporated therein shall be made. 2. Until expenditure has been incurred by the Insured in replacing or reinstating the property destroyed or damaged the Company shall not be liable for any payment in excess of the amount which would have been payable under the Policy if this memorandum had not been incorporated therein. 3. If at the time of replacement or reinstatement the sum representing the cost which would have been incurred in the replacement or reinstatement if the whole of the property covered had been destroyed exceeds the sum insured thereon at the breaking out of any fire or at the commencement of any destruction of or damage to such property by any peril insured against by this Policy, then the Insured shall be considered as being his own insured for the excess and shall bear a rateable proportion of the loss accordingly. Each item of this Policy ( if more than one ) to which this memorandum applies shall be separately subject to the foregoing provision. 4. This memorandum shall be without force or effect if : (a) The Insured fails to intimate to the Company within 6 months from the date of the destruction or damage, or such further time as the Company may in writing allow his intention to replace or reinstate the property destroyed or damaged. (b) The Insured is unable or unwilling to replace or reinstate the property destroyed or damaged on the same or another site. The Sum Insured on each item of the Policy is deemed to include the costs and expenses necessarily incurred by the Insured in the removal of debris, dismantling or demolishing, shoring up or propping of the portion or portions of the property insured destroyed or damaged by Fire or by any other peril hereby insured against for an amount not exceeding 10 % of the Sum Insured. 38. SERVICES INSTALLATION CLAUSE - It is hereby declared and agreed that the term " Building " shall include : All services and installations on the premises for use in connection with the structures thereon such as tanks, fixtures, works, sewage disposal units, underground tanks, piping, wiring and all ancillary equipment and are accordingly deemed to be specifically insured. 39. SPECIFIED SMALL OUTBUILDINGS AND CONTENTS - Except in so far as they may be otherwise Insured small outside Buildings and their Contents, conveniences and the Buildings and Content of extensions to and communicating with any of the above mentioned Buildings are held to be Insured under the item applying to the Building to which such property is attached or belongs.
Subject to the following provisions insured, other than stock-in-trade or merchandise by the items(s) of this Policy is/are covered whilst temporarily removed for cleaning, renovating, repair or other similar purposes to any premises not in the Insured's occupation and in transit thereto and therefrom by road, rail, air or inland waterway, all in Jamaica. The amount recoverable under the extension in respect of each item aforesaid shall not exceed (a) 10 % of the amount of the item after deducting from the sum insured the value of any stock-in trade or merchandise insured by the said item nor (b) the amount which would have been recoverable had the loss occurred at premises from which the property is temporarily removed. This extension does not apply to ; (a) Motor Vehicles and Motor Chassis (b) Property held by the Insured in trust, other than Machinery and Plant (c) Property if and so far as it is otherwise insured. It is understood and agreed that where the premises becomes vacant or the business becomes silent ( i.e. no trading, process, works or occupation ) for a period of more than thirty (30) days, this insurance ceases on the ( 30 th. ) thirtiest day after the first day on which the risk became unoccupied or silent. In the event of any of the Insured's vehicles being left loaded overnight whilst in and/or on the premises described in the Schedule of this Policy, the Company(s) will indemnify the Insured in respect of such load in the event of loss or damage by any of the perils insured against in this Policy. 43. WIDE DESCRIPTION OF BUILDING - " Definition - Buildings": The description " Buildings " shall be deemed to include but not limited to the following : (a) All Buildings including outbuildings and gatehouses. (b) Landlord fixtures, fittings and equipment; (c) Walls, gates, fences, patios, walkways, foundations and other communal areas. (d) All other external structures, storage tanks, fixtures, works, services and installations whether sited on the roof or otherwise and inclusive of ( but not restricted to ) sewage disposal units, underground tanks and all ancillary equipment and piping. (e) Marine containers for which the Insured is responsible. (f) It is further agreed that for the purposes of hurricane damage, all signs, smoke stacks, awnings and external fixtures and fittings are deemed to be separately and specifically Insured. 44. WIDE DESCRIPTION OF CONTENTS - Definition " Contents " The description " contents " shall be deemed to include the following : (a) All machinery, plant, equipment, tanks ( not otherwise insured ) of whatever nature. (b) All office and other furnishings, fixtures, fittings of whatever nature. (c) Tenants improvements. " Contents " shall refer to all property of the Insured or property including customers' held in trust or on commission for which they are responsible. 45. WIDE DESCRIPTION OF STOCK: The description of stocks shall be deemed to include the following : (a) All raw materials in trade. (b) All work in progress. (c) All finished goods including spare parts and stores and items of a similar nature. (d) All packaging and similar materials. Stocks shall refer to all property of the Insured ( including goods contained in Marine Containers on the Insured's premises ) or held in trust or on commission or for which the Insured is responsible anywhere in the Island of . Workmen are allowed to work in said Buildings for the purposes of completing any repairs and/or minor additions and alterations and/or decorations without prejudice to this Insurance. 47. HURRICANE DAMAGE TO EXTERNAL FIXTURES & FITTINGS - It is hereby declared and agreed that Special Conditions 3 of Special Peril Extension # 6 is deemed to be deleted.} 48. POLLUTION or CONTAMINATION Exclusion: this policy excludes all loss, damage, fines or penalties resulting from pollution or contamination occurring after loss or damage from an insured peril, on the insured property or elsewhere. 49. TENANTS' FIRE LEGAL LIABILITY : we will pay those sums the insured becomes legally liable to pay because of loss or damage caused by fire to the premises ( including permanently attached building fixtures ) rented or leased and occupied by the insured. We exclude any legal laibility for loss or damage to the premises by fire soley by reason of the assumption of liability in a contract or agreement, however, this exclusion does not apply for loss or damage that the insured would have been liable for in the absence of the contract or agreement. This extension is subject to a minimum deductible of E.C. JD........ each and every occurrence and up to the amount stated in the Declarations.
Extensions 1-28 Extensions 28 - 45 Table of Extensions
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