营业中断险附加险条款英文精选.docx
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营业中断险附加险条款英文精选
PICCPropertyandCasualtyCompanyLimited
AdditionalClausesforBusinessInterruptionInsurance
ThefollowingclausesaretheAdditionalClausesforBusinessInterruptionInsurancePolicy(2009Version),whichishereinaftercalledPolicy.Theterms,conditionsandexclusionsofthePolicyshallapplyexcepttotheextentthattheyareexpresslyvariedbytheAdditionalClauses.AnyoneoftheAdditionalClause(s)couldbechosenbytheApplicanttobeattachedtoandformingpartofthePolicy.
1.ExtensionClauses
K01.ScopeofCover(A)
K06.DenialofAccess(A)
K07.DenialofAccess(B)
K08.Murder,InfectiousDisease,andFoodContaminationExtension(A)
K09.Murder,InfectiousDisease,andFoodContaminationExtension(B)
K10.Murder,InfectiousDisease,andFoodContaminationExtension(C)
K11.InfectiousDiseaseExtension
K12.ClosureofOperationFacility
K13.PublicUtilitiesExtension(A)
K14.PublicUtilitiesExtension(B)
K15.LossofBookDebts
K16.SuppliersExtension(A)
K20.Customers/Suppliers/Contractors
K21.UnnamedSuppliers/Customers
K22.BombScare(onlyappliedtoPDBI)
K23.Governmentaction(Notexceeding__consecutiveweeks)
K24.PublicAuthorityExtension
K33.Departmentalextension
K34.Auditor’sFees
K35.Accountant’s/Auditor’sFees
K36.Errors&Omissions(A)
K37.Errors&Omissions(B)
2.RestrictionClauses
X01.WarandTerrorismExclusion
X02.ITClarification
X03.TotalAsbestosExclusion
X04.Mold&FungiExclusion
X05.Y2KEXCLUSIONCLAUSE
3.ClarificationClauses
G01.Designation
G02.PremiumAdjustment
G03.PremiumAdjustment
G04.IncreaseinCostofWorking
G05.Output
G06.NewBusiness
G07.MonthlyPaymentonAccount
G08.PaymentonAccount
G09.GrossProfitDifferenceBasis
G13.InclusionofAllTurnover
G14.UninsuredStandingCharges
G15.AccumulatedStocks
G16.BreachofConditionandWarranty
G21.AutomaticReinstatementofSumInsured
G22.__Days’Cancellation
G23.__Days’NotifyCancellationorRefusetoRenewal
G24.NominationofLossAdjuster
G28.Co-Insurance
G32.WaiverofSubrogation(A)
1.ExtensionClauses
K01.ScopeofCover(A)
Itisagreedandunderstoodthat,subjecttotheApplicanthavingpaidtheagreedadditionalpremium,theInsurershallindemnifytheInsuredinrespectoflossofGrossProfitresultingfrominterruptionoforinterferencewiththebusinessatthepremisesinconsequenceofphysicaldamagetothepropertyusedinbusinessoperationcausedbyperilsorhazardscoveredunderthePhysicalDamageInsuranceduringtheperiodofinsurance.
ProvidedthattheInsurershallnotbeliableforanylossduetocausesasfollowing:
1.willfulactand/orgrossnegligenceoftheApplicantand/ortheInsured;and/or
2.earthquakeortsunamiand/orsecondarydisasterssocaused;and/or
3.strike,riot,civilcommotion,maliciousdamagean/oractofterrorism;and/or
4.confiscation,temporaryorpermanentrequisitionbyorderofthegovernmentdejureordefactoorbyanypublicauthority;and/or
5.nuclearradiation,nuclearfission,nuclearfusion,nuclearpollutionorcontaminationandotherradioactivepollutionorcontamination;and/or
6.pollutionofatmosphere,soil,waterandothernon-radioactivepollution;and/or
7.otherexclusionswhichagreedbytheInsurerandtheInsured.
ThisClauseissubjectotherwisetotheterms,ConditionsandExclusionsofthisPolicy.
K06.DenialofAccess(A)
Itisagreedandunderstoodthat,subjecttotheApplicanthavingpaidtheagreedadditionalpremium,lossasinsuredbythisPolicyresultingfrominterruptionoforinterferencewiththebusinessinconsequenceofthedamage(aswithindefine)topropertyinthevicinityofthePremiseswhichshallpreventorhindertheusethereofofaccessthereto,whetherthePremisesorpropertyoftheInsuredthereinshallbedamagedornot,shallbedeemedtobelossresultingfromdamagetopropertyusedbytheInsuredatthePremises.
ThisClauseissubjectotherwisetotheterms,conditionsandexclusionsofthisPolicy.
K07.DenialofAccess(B)
Itisagreedandunderstoodthat,subjecttotheApplicanthavingpaidtheagreedadditionalpremium,lossasinsuredbythisPolicyresultingfrominterruptionoforinterferencewiththebusinessinconsequenceofthedamage(aswithindefine)topropertyinthevicinityofthePremiseswhichshallpreventorhindertheusethereofofaccessthereto,whetherthePremisesorpropertyoftheInsuredthereinshallbedamagedornot,shallbedeemedtobelossresultingfromdamagetopropertyusedbytheInsuredatthePremises.
Provided,however,thattheInsurershallnotbeliableforanylossiftheaforesaidpreventionoftheuseofthepremiseorthehinderoftheaccesstheretoiscontributedtothefailureofgasand/orwatersupplyinthevicinityofInsuredpremisesresultingfromthepropertydamagethereof.
TheindemnitylimitunderthisclauseshallnotexceedtherelevantsublimitsstatedinthePolicy.
ThisClauseissubjectotherwisetotheterms,conditionsandexclusionsofthisPolicy.
K08.Murder,InfectiousDisease,andFoodContaminationExtensionClause(A)
Itisagreedandunderstoodthat,subjecttotheApplicanthavingpaidtheagreedadditionalpremium,thisPolicyisextendedtocoverlossasinsuredhereunderresultingfrominterruptionoforinterferencewiththeBusinesscarriedonbytheInsuredatthePremisesinconsequencesof:
1.MurderorsuicideoccurringatthePremisesstatedinthePolicy;
2.Closure&/orquarantineofthePremisesstatedinthePolicybyorderofacompetentpublicauthorityduetoNotifiableInfectiousDiseasemanifestedbyanypersonatthePremises;
3.ClosingofthewholeorpartofthepremisesbyorderofacompetentpulblicauthorityconsequentupondefectsinthedrainsandothersanitaryfacilitiesatthePremisesstatedinthePolicy.
4.InjuryorillnesssustainedbyanyguestarisingfromspoilageoforinfectiousmatterinfoodordrinksprovidedatthePremisesstatedinthePolicy.
InrespectofeachandeveryoccurrenceofthedamagegivingrisetoaclaimunderthisClause,theInsurershallnotbeliableforthefirstseventy-two(72)hoursofsuchloss.
ItisaconditionprecedenttoanyliabilityoftheInsurerthattheInsuredshallobserveandfulfillrelevantlaws,regulationsandrequirementsonsecurity,sanitationandhealth,andshallexerciseduediligencetoavoidtheoccurrenceofthecontingenciesaforementioned.
TheindemnitylimitunderthisclauseshallnotexceedtherelevantsublimitsstatedinthePolicy.
ThisClauseissubjectotherwisetotheterms,conditionsandexclusionsofthisPolicy.
K09.Murder,InfectiousDisease,andFoodContaminationExtension(B)
Itisagreedandunderstoodthat,subjecttotheApplicanthavingpaidtheagreedadditionalpremium,thisPolicyisextendedtocoverlossasinsuredhereunderresultingfrominterruptionoforinterferencewiththeBusinesscarriedonbytheInsuredatthePremisesinconsequencesof:
1.ThecancellationoforinabilitytoacceptbookingsforaccommodationatthepremisesasaresultofanoutbreakofaninfectiousorcontagiousdiseaseoccurringatthePremises;
2.MurderorsuicideoccurringatthePremises;
3.InjuryorillnesssustainedbyanyguestarisingfromspoilageoforinfectiousmatterinfoodordrinksprovidedatthePremises;
4.ClosingofthewholeorpartofthePremisesbyorderofacompetentpublicauthorityconsequentupondefectsinthedrainsandothersanitaryfacilitiesatthePremises.
ItisaconditionprecedenttoliabilityonthepartoftheInsurerthattheInsuredshallmakesureeveryarticleisappropriatelyusedandshallexerciseduediligencetoavoidtheoccurrenceofthecontingenciesaforementioned.
Theindemnitylimitunderthisclauseshallnotexceed__.
ThisClauseissubjectotherwisetotheterms,conditionsandexclusionsofthisPolicy.
K10.Murder,InfectiousDisease,andFoodContaminationExtension(C)
Itisagreedandunderstoodthat,subjecttotheApplicanthavingpaidtheagreedadditionalpremium,thisPolicyisextendedtocoverlossasinsuredhereunderresultingfrominterruptionoforinterferencewiththeBusinesscarriedonbytheInsuredatthePremisesinconsequencesof:
1.ThecancellationoforinabilitytoacceptbookingsforaccommodationatthepremisesasaresultofanoutbreakofaninfectiousorcontagiousdiseaseoccurringatthePremises;
2.MurderorsuicideoccurringatthePremises;
3.InjuryorillnesssustainedbyanyguestarisingfromspoilageoforinfectiousmatterinfoodordrinksprovidedatthePremises;
4.ClosingofthewholeorpartofthepremisesbyorderofacompetentpublicauthorityconsequentupondefectsinthedrainsandothersanitaryfacilitiesatthePremises.
InrespectofeachandeveryoccurrenceofthedamagegivingrisetoaclaimunderthisClause,theInsurershallnotbeliableforthefirstthree(3)daysofsuchloss.
ItisaconditionprecedenttoliabilityonthepartoftheInsurerthattheInsuredshallmakesureeveryarticleisappropriatelyusedandshallexerciseduediligencetoavoidtheoccurrenceofthecontingenciesaforementioned.
ThisClauseissubjectotherwisetotheterms,conditionsandexclusionsofthisPolicy.
K11.InfectiousDiseaseExtension
Itisagreedandunderstoodthat,subjecttotheApplicanthavingpaidtheagreedadditionalpremium,thispolicyisextendedtocoverlossresultingfrominterruptionoforinterferencewiththebusinessasthedirectandsoleresultofNotifiableInfectiousDiseasemanifestedbyanypersonattheInsuredPremiseswhichresultsinthetotalclosure&/orquarantineoftheInsuredPremisesbyorderofacompetentgovernm