Helicopters Clause

The practise of using Helicopters for the transfer of crew, pilots, surveyors, repairers or others, cargo, mail, stores, equipment and the like will not prejudice this insurance

Heating & Power

The use of electric, gas and other lighting, heating and power usual to trades and occupations is allowed as provided by law or municipal regulations.

Headings

Headings have been included in this specification for ease of reference, and it is understood and agreed that the terms and conditions of this policy and specification are not to be construed or interpreted by reference to such headings.

Hazardous Goods Warranty (Paint)

The storage of paints is allowed, but it is warranted that otherwise during the currency of this policy no mineral oil or other liquid giving off an inflammable vapour flashing below 200 degree F or 93 degree C or more than 400 gallons of kerosene oil or other inflammable vapour but flashing below 100 degree F or 38 degree C (stored in accordance with the municipal regulations) and not more than

Hazardous Goods Warranty

Warranted that none of the goods mentioned in the list below (see overpage) shall at any time during the policy period be in or upon the within mentioned premises, but allowing the storage of such hazardous goods including liquid paints to the extent of 1% only of the total value of stocks, such quantity of hazardous goods not include more than 6 gallons of petrol or other liquid giving off

Hazardous Goods Clause

Unless otherwise specifically excluded under the policy, hazardous goods usual to the trade and/or business are allowed to be stored in the quantities and manner as permitted by law or municipal regulation.

Goods Overseas

Notwithstanding the territorial limits shown in the schedule, cover shall extend to include materials or other goods for incorporation in the works which in accordance with the terms of the contract, have vested in and been paid for by the employer or for which the employer has agreed to pay whilst such materials or goods are held in storage anywhere in the world prior to shipment unless

Government/Underwriters Due Diligence (BI)

It is agreed and declared that lack of due diligence by any Government Department or its officers, contractors, sub-contractors or other underwriters in approving or carrying out repairs to any property insured under a more specific policy of insurance, but which causes or extends the period of interruption or interference with the business as a result of loss, destruction or damage from a peril

Goods in Transit or on Commission

It is hereby declared and agreed that notwithstanding anything to the contrary of the policy, but subject to its terms, limitations and conditions, that as regard to goods held in trust or on commission, this policy indemnifies the insured against his legal liability for destruction or damage to such property by fire or any peril hereby insured against.

Goods in Storage Clause

It is understood and agreed that this policy is extended to indemnify the insured against loss or damage to materials (whether temporary or permanent) and any other goods or objects intended for incorporation into the works, whilst such materials goods or objects are stored anywhere in Indonesia (unless more specifically insured) other than when they are actually being worked upon.

General Interests Clause

Certain of the Property insured nay be the subject of hire purchase lease or other agreements and the interest of the other parties to these arrangements is noted in this insurance the nature and extent of such interest to be disclosed in the event of damage.

Fusion Damage

This policy extends to indemnify the insured against loss or destruction of or damage to any part or parts of the electrical machines, switchboards, installations or apparatus, forming part of the property insured (excluding rectifiers, radios, televisions or amplifying equipment of any description and electric motors in excess of 10HP) caused by the actual burning out of such part or parts by

Full Theft Clause (applicable for Burglary Policy)

It is declared and agreed that this certificate shall extend to include theft not accompanied by actual violent and forcible entry or exit from the participant’s premises.Special Exclusions :the company exclusions :the company however shall not be liable for :a) Any loss due to inventory shortagesb) Any loss due to theft by own employeesc) Any loss due to systematic pilferage over 2 period of

Full Premium If Lost Clause

It is understood and agreed that in the event of a claim arising hereunder adjustable on the basis of a Total Loss the Full Annual Premium, less the amount of premium already paid, shall become due and payable forthwith.

Fuel and Tanks Clause

It is agreed that the insurance on machinery and plant includes miscellaneous fuel and other tanks and their contents the open insofar as they are not otherwise insured.

Full Impact Clause

It is hereby noted and agreed that notwithstanding anything in the within policy to the contrary, the insurance is extended to cover for loss or damage directly caused by road vehicles, horse or cattle belonging or not belonging to or under the control of the insured, subject to a deductible of .....

Fraudulent Claims

If any claim be in any respect fraudulent or if any fraudulent means or devices are used by the insured or any one acting on his behalf to obtain any benefit under this policy or, if the loss or damage be occasioned by the willful act, or with the connivance of the insured, all benefit under this policy shall be forfeited.

Foundation Clause

Foundations on and below ground level are excluded from this insurance.

Flood Clause

The insurance under this policy extends to include loss of or damage to the property insured directly caused by flood, which for the purpose of this extension shall mean the overflowing or deviation from their normal channels of either natural or artificial water courses, bursting or overflowing of public water mains and any other flow or accumulation of water originating from outside the

Fire Extinguishing Costs

This policy is extended to cover loss of or damage to fire extinguishing appliances caused by the insured perils.This extension is deemed to include the cost of reasonably incurred for refilling the fire extinguishing appliances providing always that such cost is incurred as a direct result of the use of the fire extinguishing appliances for the extinguishment of fire endangering the safety of

Fire Extinguishing Appliances Warranty

The insured hereby warrants that :1. there are kept in the premises hereby insured appliances for the extinction of fire as set out in item ..... of the scale of allowances for ordinary fire extinguishing allowances; 2. that the provision of general requirements of the said scale are complied with; 3. that the said appliances will be maintained in efficient working order during the currency of

Fire Brigade Charges

It is hereby understood and agreed that the reasonable charges raised by any local authority for the provision of fire fighting appliances called for the purpose of protecting the premises shall be recoverable hereunder.

Fire Brigade & Water Damage Clause

Legal liability arising from fire and/or explosion including the spreading of fire is included within this insurance.If as a result of such fire and/or explosion, legal liability attaches to the insured in respect of the activities of the fire brigade authority in fighting or preventing the spreading of fire, this shall also be deemed to be included.

Fire & Explosion Clause

It is hereby declared and agreed the insurance is extended to cover the legal liability of the insured in respect of bodily injury or loss of or damage to property caused by or in connection with or arising from bursting of a boiler, economizer or other vessel machine or apparatus wherein internal pressure is due to steam only. provided that the liability of the insurer under this

Failure of Public Supplies Clause (BI)

It is hereby agreed and declared that subject to the conditions of this policy, loss as insured by this policy resulting from interruption of or interference with the business directly or indirectly arising from damage to property of or used by any electricity station or sub-station, gas works of the public supply undertaking from which the insured obtains electric current, gas or water shall be

Extra Hazardous Goods Warranty

It is warranted under the penalty of the policy being null and void, that during the current period at any location in which goods insured under this policy are stored :1.no capoc shall be stored other than in hydraulically pressed balls provided with iron hoops with minimum weight of 55 kg per m3; 2.without prejudice to stipulation 1 above, the insured shall not store capoc exceeding in value ..

Extra Cost of Reinstatement

This policy includes the extra cost of reinstatement including demolition or dismantling of property necessarily incurred to comply with the requirements of any act or regulation made thereunder or any by law or regulation oaf any municipal or other statutory authority subject to the following special provision :1.the work of reinstatement (which may be carried out wholly or partially upon

Extinguishing Expenses & Recovery Clause

The insurance by this policy includes :1.wages of the insured's employees other than full time members of Works Fire Brigade; 2.the cost of replenishment of fire fighting appliances and loss, destruction or damage to materials; 3.other costs, including loss, destruction or damage to property to gain access; necessarily and reasonably incurred in extinguishing fire or in saving insured property or

Extinguishment & Mitigation Expenses

It is hereby declared and agreed that this policy extends to cover all expenses reasonably incurred by or on behalf of the insured in extinguishing fires or in mitigating, containing or suppressing loss, destruction or damage by any peril or eventuality hereby insured against occurring at or adjacent to or immediately threatening the situation of any property insured by this policy.The indemnity

Excess Clause

It shall not be a condition precedent to liability under this policy that payment shall be made or liability admitted under the insurance covering the interest of the insured in the property at the premises against such destruction or damage if no such payment shall have been made nor liability admitted solely owing to the proviso in such insurance excluding liability for loss below a specified

Evacuation Expenses (BI)

It is agreed and declared that cover extends to include :1.loss arising from the interruption of or interference with the business of the insured resulting from actual or threatened loss, destruction or damage occurring in the immediate vicinity of the insured's operations from a peril insured which cause immediate and imminent threat of loss or damage to the insured's property; 2.the reasonable

Errors & Omissions

The insured shall not be prejudiced by unintentional and/or inadvertent omissions, errors, incorrect valuation or incorrect description of the interest or property provided notice is given to the company as soon as practicable upon discovery of such error or omission and subject to the insured paying any additional premium arising thereon.

Escalation Clause

In consideration of the payment of an additional premium amounting to 50% (fifty percent) of the premium produced by applying the specified percentage to the first or the annual premium as appropriate to the item(s) as specified in the schedule, the sum insured thereby shall, during the period of insurance, be increased each day by an amount representing 1/365 Th. of the specified percentage

Employees' Personal Effects

The indemnity granted by this policy extends to include clothing and/or personal effects of the employees of the insured for an amount not exceeding Rp. 250,000.- in respect of any one employee.

Electrical Short Circuit (Compulsory)

It is hereby expressly understood and agreed that this policy covers loss or damage caused by fire as a consequence of electrical short circuit.

Electrical Installation Exclusion

The company is expressly declared to be free from liability for loss of or damage to any electrical machine or apparatus or electrical installation from whatever cause (lightning included) provided that this exception shall only apply to the particular electrical machine, apparatus or portion of the electrical installation damaged or destroyed by spreading fire.

Electrical Installation clause

Loss or damage caused by fire to electrical appliances or installations insured under this policy arising from or occasioned by over-running, excessive pressure, short circuiting, arcing, self heating or leakage of electricity, from whatever cause, including lightning, is covered subject to the terms and conditions of this policy, but it is expressly understood that no liability exist under this

Electrical Damage Exclusion Clause

The insurer is not liable for any destruction or damage to any electrical appliance or device (including wiring) caused by electrical current artificially generated.Should however fire ensue, the insurer shall be liable only for that proportion of the destruction/damage directly caused by the ensuing fire.

Drive Away Clause

Automobiles and/or trucks and/or tractors are covered, subject to all the terms and conditions of this policy, while being driven under their own power or in tow to the final warehouse at the said destination, but the insurer shall in no event be liable for loss of life or personal injury to any person whomsoever, or for damage to any property whatsoever except to the property hereby insured.

Dispute Clause

1. Any condition or provision contained in this policy, notwithstanding, it is understood and agreed that all disputes resulting from the performance and/or interpretation of this agreement of insurance are to be submitted to three arbitrators whose award shall be final and binding.2. The party desiring to submit a case to arbitration must give the other party notice of his intention in writing.

Dismantling & Re-erection Costs

It is hereby declared and agreed that this insurance includes dismantling and re-erection costs involved in the rectification of an insured claim.

Display & Exhibition Clause

Notwithstanding anything contained herein to the contrary, it is hereby agreed that this policy covers loss or damage to the items specified or displayed by fire, burglary, housebreaking, theft or any accident or misfortune including loss or damage occurring during transit.Transit shall be deemed to commence at the time of the removal for packaging of any property from its normal position at the

Disease & Pollution clause

Interference with the business due to cancellation of or the inability to accept bookings for accommodation as a direct result of :1. the occurance at the premises of murder or attempt threat, suicide, contagious and/or infectious disease, food or drink poisoning, vermin, pests or defective sanitation2. interruption in supplies for period in excess of ..... days due to strike or industrial action

Designation of Property

For the purpose of determining, where necessary, the definition of any property insured herein, the company agrees to accept the designation under which such property has been entered in the Insured's books.

Deterioration of Stock

Subject to the general exclusions and conditions, the insurance provided herein is extended to cover the contents of the insured's cold rooms, frozen food cabinet(s) and/or domestic refrigerators against deterioration and/or putrefaction due to a change in temperature following breakdown of the refrigeration machinery and/or failure of the public electricity and/or gas supply and/or action of

Designation Of Accountant (BI)

It is agreed that any particulars or details contained in the insured's books of account or other business books or documents which may be required by the insurers for the purpose of investigating or verifying any claim hereunder may be produced and certified by the insured's auditors and their certificate shall be prima facie evidence of the particulars and details to which such certificate

Dependency Clause (BI)

This policy is extended to cover loss, as defined in the insuring clauses, sustained by any of the entities comprising the insured, resulting from other subsidiary company of the insured.

Designation Clause

For the purpose of determining, where necessary, the definition of any property insured hereby the Company agrees to accept the designation under which such property has been entered in the Insured's books.

Departmental Clause (BI)

If the business be conducted in by individual companies/divisions or departments the independent trading results of which are ascertainable, it is agreed that the provision hereof may at the option of insured apply separately to each such company/division or department affected by the loss, destruction or damage.With regard to agreements between individual companies relating to the lease or

Denial of Access Non-Damage Clause (BI)

Interruption or interference with the business in consequence of restriction of access to the premises for a period of more than 4 (four) consecutive hours directly arising from actions taken by or notified to a civil authority as a result of danger or a disturbance in the vicinity of the premises shall be deemed to be loss resulting from damage to property used by the insured at the premises

Denial of Access Clause (BI)

It is hereby declared and agreed that subject to the terms and conditions of this policy, loss as insured by this policy resulting from interruption of or interference with the business in consequence of damage to property in the immediate vicinity of the premises which shall prevent or hinder the use thereof or access thereto, whether the premises or property of the insured therein shall be

Deferred Premium Clause

Notwithstanding that this policy is issued as a contract for a period of twelve months, it is hereby understood and agreed that the premium shall be payable in the following circumstances: .......................................Nevertheless it is further understood and agreed that in the event of any installment not being paid prior to, or within 14 (fourteen) days after its due

Defective Sanitary Installation Clause

This insurance is extended to indemnify the insured in claims for illness or other injury caused or alleged to have been caused by defective sanitary installation, provided such defect is due to a sudden, unintended & unexpected happening during the period of insurance.It is noted & agreed that this extension does not cover any liability for:1. cost of removing, nullifying or cleaning-up seepage,

Debris Removal Clause

This policy is extended to include costs and expenses necessarily incurred by the insured in the removal of debris, dismantling or demolishing, shoring up or propping up the portion(s) of the property insured being destroyed or damaged by fire or any other peril hereby insured.The liability of the insurer under this extension shall in no case exceed the sum insured stated in the schedule.

Damaged Goods clause

In case of damage to property bearing a brand of sale which carries any form of guarantee from the insured, the salvage value of such damaged property shall be determined after the removal in the customary manner of all brands and trademarks which might be taken to indicate that the guarantee of the manufacturer or the insured in respect of the said property is still valid.However,

Cut Through Clause

The reinsuring underwriters and companies hereon (hereinafter called the reinsurers) and the reinsured company (hereinafter called the cedant) hereby agree that in lieu of payment of premiums by cedant to the reinsurers and of payment of claims by reinsurers to the cedant, the reinsurers hereon shall receive their 100% proportion of all premiums direct from the original insured and shall pay

Customers' Goods

It is hereby declared and agreed that notwithstanding anything contained in the policy to the contrary and subject to its terms, limitations and conditions, this policy indemnifies the insured against his legal liability for destruction or damage to customers' property for which the insured is responsible, by fire or any other perils hereby insured against.

Cost of Re-writing Records & Claims Preparation

This insurance is extended to cover costs and expenses necessarily incurred by the insured following loss or damage to the property insured :1. to reconstruct and recompile records, but not for the value to the insured of the information contained therein;2. to extract and compile information required by the company from the insured's own records for the purpose of preparing a claim under the

Cost of Re-erection

The insurance by this Policy extends to cover the cost of re-erecting, fitting and fixing machinery or plant destroyed or damaged by fire or by any other peril hereby insured against providing always that the liability of the Company shall not exceed the sum insured of such machinery or plant under the Policy.

Contribution Clause

If any loss or damage is insured by any other policy or policies, whether effected by the insured or any other persons, the insurer under this policy will only pay the amount in excess of the amount payable under any other policies.

Contributory Negligence

Bahwa Tertanggung dapat memberikan andil terhadap timbulnya suatu kerugian.Contoh :Kendaraan yang hilang di tempat parkir dimana karcis parkir diletakkan di dalam kendaraan

Contract Price

In the event that goods insured hereon for which the insured is responsible and which are under a contract of sale have been sold but not delivered and the contract is canceled by reason of non-delivery of such goods destroyed or damaged by fire or by any other perils insured hereby, the liability of the company in respect of such goods shall be based on the contract price.For the purpose of

Contingent Physical Damage Clause

Subject to the terms, conditions, limits and exclusions of the policy, the insurers agree to cover physical loss or damage to property leased from ...which has not been specifically declared hereunder, but has instead been insured by the lessee's own insurers, provided that :1. coverage is afforded only for loss resulting from insolvency of the lessee's insurer, or for claims that were repudiated

Computer Records

The insurance includes cover for 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 expense in connection with the production of information

Computer Installation Clause

It is agreed that insurance under this clause extends to include loss resulting from interruption of or interference with the business in consequence of loss, destruction or damage to any computer installation including ancillary equipment and data processing media utilized by the insured.

Communication Clause

Every notice and other communication required by this policy must be written or printed.

Claims Settlement Clause I

Insurers shall under this section, subject to the terms and conditions of the policy indemnify the insured on the basis of the full cost of repairing, reinstating or replacing loss or damage eventhough such costs may vary from the original construction costs.

sure by Order of Public Authority (BI)

It is hereby declared and agreed that loss as insured by this clause resulting from an interruption or interference with the business directly or indirectly arising from closure or evacuation of the whole or part of the premises by order of a competent public authority due to the operation of a peril insured by section ..... (material damage) of the policy or directly or indirectly arising from

Claims Preparation Clause

The insurance by this policy includes :1. such reasonable fees as may be payable by the insured to a public accountant and/or adjuster, and2. such reasonable expenses, excluding salaries of permanent employees, not otherwise recoverable incurred by the insuredfor preparation and establishment of admitted progress and/or final claims under the policy.

Claims Control Clause

Notwithstanding anything to the contrary herein :1. the insured shall upon knowledge of any loss or losses which may give rise to a claim under this policy, immediately advice the reinsurer in writing;2. the reinsured shall furnish the reinsurer all information available with respect to such loss or losses, and the reinsurer shall not be obligated, but shall be given the right to appoint

Claims Co-operation Clause

It is a condition precedent to liability under this reinsurance that all claims be notified immediately to the reinsurer subscribing to this reinsurance and the reinsured hereby agrees that prior to Arriving at the settlement of any claims they shall co-operate with reinsurer and that no settlement shall be made without approval of the reinsurer subscribing to this reinsurance.

Claim Settlement Clause II

In the event of loss or damage for which indemnity is provided under this policy the insurers will subject to all terms, conditions and exceptions, pay to the insured in cash1. the full cost of repairing reinstating or replacing the lost or damaged property plus2. the insured's directly related procurement costs.

Claim Made Basis

Pengertian :Penanggung hanya bertanggung jawab atas klaim yang terjadi dalam kurun waktu berlakunya polis. Dengan demikian, kerugian yang terjadi pada saat polis masih berlaku namun belum diajukan karena belum diketahui dan baru dituntut setelah polis tidak berlaku lagi bukan menjadi tanggung jawab Penanggung. Claim made basis merupakan upaya dari pihak underwriter untuk mengatasi ruang lingkup

Civil Authority Clause

The insurance is extended to cover direct loss or damage to the described property caused by acts of destruction executed by order of any Public Authority at the time of and only during a conflagration to retard the spread thereof, and subject to all other terms and condition of this Policy. This Company shall not bee liable, however, for more than the amount for which it would have been liable

Capital Additions

The insurance hereby extends to cover alterations, additions and improvements (but not appreciation in value)in excess of the sums insured for building and machinery specified in the Policy for an amount not exceeding 10 % of the sums insured thereby or Rp. ..........whichever is the less, it being understood that the Insured undertakes to advise the Company each quarter such alteration, addition

Cancellation Clause

Both the insurer and the insured are entitled to terminate this insurance upon ..... days notice in writing being given by registered letter.When the insurer terminates the insurance, the insurer is obliged to return a pro-rata premium for the unexpired period of insurance. If the insured who terminates the insurance, premium return will be calculated on a short term basis.

Bursting/Overflowing of Watertanks

The insurance under this policy is extended to include loss or damage to property insured directly caused by bursting or overflowing of water tanks, apparatus or pipes from within the building insured or containing the property insured, but excluding :1. loss or damage whilst the building is unoccupied2. loss or damage by water discharged or leaking from any automatic sprinkler installation in

Breach of Warranties 1

The conditions and warranties of this policy shall apply individually to each item insured and not collectively to them. A breach in any condition or warranty shall void the section only in respect to which that breach applied and will not affect sections in respect of other risks.

Branded Stock

In the event of a claim for loss or destruction of or damage to the property insured by this policy, it is understood and agreed that any salvage of branded goods and/or merchandise, the insured's own or held in by the insured in trust or on commission and/or goods sold but not delivered shall not be disposed of by sale without the prior consent of the insured.It is further understood and greed

Brand & Labels

If branded labeled merchandise covered by this Policy is damaged and the Company elects to take all or any of such merchandised at the agreed or appraised value, the insured may, at his own expense, stamped "salvage" on the merchandise or its containers or may remove the brands or labels, if such stamp or removal will not physically damage the merchandise but shall reliable the merchandise or

Book Debts Clause

The insurers will indemnify the insured in the event of the records of accounts receivable kept on the premises being lost, destroyed or damaged as described below.The indemnity provided is for loss or damage caused by and solely following loss, destruction or damage to the property by any of the insured perils described in section ..... (business interruption) of this insurance and subject