营业中断险附加险条款英文培训资料.docx

营业中断险附加险条款英文培训资料.docx

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营业中断险附加险条款英文培训资料

营业中断险附加险条款（英文）

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&/orquarantineoftheInsuredPremises