营业中断险附加险条款英文精选.docx

1、营业中断险附加险条款英文精选PICC Property and Casualty Company LimitedAdditional Clauses for Business Interruption Insurance The following clauses are the Additional Clauses for Business Interruption Insurance Policy (2009 Version), which is hereinafter called Policy. The terms , conditions and exclusions of the

2、Policy shall apply except to the extent that they are expressly varied by the Additional Clauses. Any one of the Additional Clause(s) could be chosen by the Applicant to be attached to and forming part of the Policy.1.Extension ClausesK01. Scope of Cover （A）K06. Denial of Access (A)K07. Denial of Ac

3、cess (B) K08. Murder, Infectious Disease, and Food Contamination Extension (A)K09. Murder, Infectious Disease, and Food Contamination Extension (B)K10. Murder, Infectious Disease, and Food Contamination Extension (C)K11. Infectious Disease Extension K12. Closure of Operation Facility K13. Public Uti

4、lities Extension (A)K14. Public Utilities Extension （B）K15. Loss of Book Debts K16. Suppliers Extension ( A)K20. Customers/Suppliers /Contractors K21. Unnamed Suppliers/Customers K22. Bomb Scare (only applied to PDBI) K23. Government action (Not exceeding _ consecutive weeks) K24. Public Authority E

5、xtensionK33. Departmental extension K34. Auditors Fees K35. Accountants/Auditors Fees K36. Errors & Omissions （A）K37. Errors & Omissions （B）2.Restriction ClausesX01. War and Terrorism Exclusion X02. IT Clarification X03. Total Asbestos ExclusionX04. Mold & Fungi ExclusionX05. Y2K EXCLUSION CLAUSE 3.

6、Clarification ClausesG01. Designation G02. Premium Adjustment G03. Premium Adjustment G04. Increase in Cost of Working G05. Output G06.New Business G07. Monthly Payment on Account G08. Payment on Account G09. Gross Profit Difference BasisG13. Inclusion of All Turnover G14. Uninsured Standing Charges

7、 G15. Accumulated Stocks G16. Breach of Condition and Warranty G21. Automatic Reinstatement of Sum Insured G22. _Days Cancellation G23. _Days Notify Cancellation or Refuse to Renewal G24. Nomination of Loss Adjuster G28. Co-Insurance G32. Waiver of Subrogation (A)1.Extension ClausesK01. Scope of Cov

8、er（A）It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, the Insurer shall indemnify the Insured in respect of loss of Gross Profit resulting from interruption of or interference with the business at the premises in consequence of physical damage to

9、the property used in business operation caused by perils or hazards covered under the Physical Damage Insurance during the period of insurance.Provided that the Insurer shall not be liable for any loss due to causes as following: 1.willful act and/or gross negligence of the Applicant and/or the Insu

10、red; and/or2.earthquake or tsunami and/or secondary disasters so caused; and/or3.strike, riot, civil commotion, malicious damage an/or act of terrorism; and/or4.confiscation, temporary or permanent requisition by order of the government de jure or de facto or by any public authority; and/or5.nuclear

11、 radiation, nuclear fission, nuclear fusion, nuclear pollution or contamination and other radioactive pollution or contamination; and/or6.pollution of atmosphere, soil, water and other non-radioactive pollution; and/or7.other exclusions which agreed by the Insurer and the Insured.This Clause is subj

12、ect otherwise to the terms, Conditions and Exclusions of this Policy.K06. Denial of Access (A)It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, loss as insured by this Policy resulting from interruption of or interference with the business in conse

13、quence of the damage (as within define) to property in the vicinity of the Premises which shall prevent or hinder the use thereof of access thereto, whether the Premises or property of the Insured therein shall be damaged or not, shall be deemed to be loss resulting from damage to property used by t

14、he Insured at the Premises.This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K07. Denial of Access (B) It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, loss as insured by this Policy resulting from interruptio

15、n of or interference with the business in consequence of the damage (as within define) to property in the vicinity of the Premises which shall prevent or hinder the use thereof of access thereto, whether the Premises or property of the Insured therein shall be damaged or not, shall be deemed to be l

16、oss resulting from damage to property used by the Insured at the Premises.Provided, however, that the Insurer shall not be liable for any loss if the aforesaid prevention of the use of the premise or the hinder of the access thereto is contributed to the failure of gas and/or water supply in the vic

17、inity of Insured premises resulting from the property damage thereof.The indemnity limit under this clause shall not exceed the relevant sub limits stated in the Policy.This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K08. Murder, Infectious Disease, and Food C

18、ontamination Extension Clause (A)It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, this Policy is extended to cover loss as insured hereunder resulting from interruption of or interference with the Business carried on by the Insured at the Premises

19、 in consequences of:1. Murder or suicide occurring at the Premises stated in the Policy;2. Closure &/or quarantine of the Premises stated in the Policy by order of a competent public authority due to Notifiable Infectious Disease manifested by any person at the Premises;3. Closing of the whole or pa

20、rt of the premises by order of a competent pulblic authority consequent upon defects in the drains and other sanitary facilities at the Premises stated in the Policy.4. Injury or illness sustained by any guest arising from spoilage of or infectious matter in food or drinks provided at the Premises s

21、tated in the Policy.In respect of each and every occurrence of the damage giving rise to a claim under this Clause, the Insurer shall not be liable for the first seventy-two (72) hours of such loss.It is a condition precedent to any liability of the Insurer that the Insured shall observe and fulfill

22、 relevant laws, regulations and requirements on security, sanitation and health, and shall exercise due diligence to avoid the occurrence of the contingencies aforementioned.The indemnity limit under this clause shall not exceed the relevant sub limits stated in the Policy.This Clause is subject oth

23、erwise to the terms, conditions and exclusions of this Policy.K09. Murder, Infectious Disease, and Food Contamination Extension (B)It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, this Policy is extended to cover loss as insured hereunder resultin

24、g from interruption of or interference with the Business carried on by the Insured at the Premises in consequences of:1. The cancellation of or inability to accept bookings for accommodation at the premises as a result of an outbreak of an infectious or contagious disease occurring at the Premises;2

25、. Murder or suicide occurring at the Premises;3. Injury or illness sustained by any guest arising from spoilage of or infectious matter in food or drinks provided at the Premises;4. Closing of the whole or part of the Premises by order of a competent public authority consequent upon defects in the d

26、rains and other sanitary facilities at the Premises.It is a condition precedent to liability on the part of the Insurer that the Insured shall make sure every article is appropriately used and shall exercise due diligence to avoid the occurrence of the contingencies aforementioned.The indemnity limi

27、t under this clause shall not exceed _.This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K10. Murder, Infectious Disease, and Food Contamination Extension (C)It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, th

28、is Policy is extended to cover loss as insured hereunder resulting from interruption of or interference with the Business carried on by the Insured at the Premises in consequences of:1. The cancellation of or inability to accept bookings for accommodation at the premises as a result of an outbreak o

29、f an infectious or contagious disease occurring at the Premises;2. Murder or suicide occurring at the Premises;3. Injury or illness sustained by any guest arising from spoilage of or infectious matter in food or drinks provided at the Premises;4. Closing of the whole or part of the premises by order

30、 of a competent public authority consequent upon defects in the drains and other sanitary facilities at the Premises.In respect of each and every occurrence of the damage giving rise to a claim under this Clause, the Insurer shall not be liable for the first three (3) days of such loss.It is a condi

31、tion precedent to liability on the part of the Insurer that the Insured shall make sure every article is appropriately used and shall exercise due diligence to avoid the occurrence of the contingencies aforementioned.This Clause is subject otherwise to the terms, conditions and exclusions of this Po

32、licy.K11. Infectious Disease Extension It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, this policy is extended to cover loss resulting from interruption of or interference with the business as the direct and sole result of Notifiable Infectious Disease manifested by any person at the Insured Premises which results in the total closure &/or quarantine of the Insured Premises by order of a competent governm