Policy - Fir 2022 - Al Nisr Al Thahabi Lubricants Oil Ind. LLC

Policy Schedule-FIRE & ALLIED PERILS
Policy Type : FIRE & ALLIED PERILS FIRE & ALLIED PERILS : ‫نوع التأمين‬
Branch : RAK Branch RAK Branch : ‫الفرع‬
Class : Property Property : ‫صنف التامين‬
Customer ID : 04-02-001247926 04-02-001247926 : ‫رقم العميل‬
Name of Insured : M/S AL NISR AL THAHABI AL NISR AL THAHABI LUBRICANTS & : ‫اسم المؤمن له‬
LUBRICANTS & OIL IND. LLC OIL IND. LLC‫الســادة‬
Address of Insured : PO BOX 43855 , LABOUR CAMP PO BOX 43855 , LABOUR CAMP : ‫العنوان‬
SAJJA SHARJAH UAE SAJJA SHARJAH UAE
Geographical Area : United Arab Emirates ‫ المارات‬: ‫المنطقة الجغرافية‬
Jurisdiction : UAE ‫ المارات العربية المتحده‬: ‫القانون المطبق‬
Business : Manufacturing, Import & Export of : ‫طبيعة العمل‬
Lubricants and Engine oil
Location : Location 1: AL NISR AL THAHABI LUBRICANTS- Industrial Area 2, Sajja, : ‫الموقع‬
Sharjah
Location 2: SAMER AL GADDAH INTERNATIONAL GENERAL
TRADING CO- LLC Warehouse No. B8-24, Sajja,
Sharjah
Location 3: Sajja Industrial Area Opposite to Etisalat Office Sajja Branch
Total Premium : As Agreed ‫ حسب التفاق‬: ‫مبلغ القسط‬
City : Sharjah Sharjah : ‫المدينة‬
Country : United Arab Emirates ‫ المارات‬: ‫البلد‬
Policy No : P/04/PRO/FIR/2022/00110 P/04/PRO/FIR/2022/00110 : ‫الوثيقة رقم‬
Currency : Dirham (UAE) ‫ درهم اماراتي‬: ‫العملة‬
Beneficiary : M/S AL NISR AL THAHABI AL NISR AL THAHABI : ‫المستفيد‬
LUBRICANTS & OIL IND. LLC LUBRICANTS & OIL IND. LLC‫الســادة‬
Issue Date : 05/08/2022 05/08/2022 : ‫تاريخ الصدار‬
Inception Date : 18/07/2022 18/07/2022 : ‫تاريخ التفعيل‬
Expiry Date : 17/07/2023 17/07/2023 : ‫تاريخ النتهاء‬
Sum Insured : 14,010,000.00 14,010,000.00 : ‫مبلغ التأمين‬
Company : RAK National Insurance Company. P.S.C ‫ شركة رأس الخيمة الوطنية للتأمين‬: ‫الشركة‬
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Policy No. P/04/PRO/FIR/2022/00110 P/04/PRO/FIR/2022/00110: ‫الوثيقة رقم‬
1/ Location 1:AL NISR AL THAHABI LUBRICANTS- Industrial Area 2, Sajja, Sharjah
Description Sum Insured

‫العين المؤمنة‬ ‫مبلغ‬
Building 1,200,000.00
On Machinery & Equipment (New Replacement Value) 2,500,000.00
On Loss of Rent - Annual 150,000.00
On Stock in trade (Lubricants & oil) 5,000,000.00
Total Sum Insured (‫) المجموع‬ 8,850,000.00

7/ Location 2:SAMER AL GADDAH INTERNATIONAL GENERAL TRADING CO- LLC Warehouse No. B8-24, Sajja,
Sharjah
On loss of rent - 12 months 80,000.00
On stock of trade consisting of car accessories, lubricants, car care items, tools and 2,500,000.00
merchandise and items related to the trade (excluding tyres)
Location 3: Shed # 3 Sajja Industrial Area Opposite to Etisalat Office Sajja Branch

On Stock in trade (Lubricants& oil): AED 2,500,000 2,580,000.00

Loss of Rent (12 months)- AED 80,000
Deductible :
- 5% of claim amount with a minimum of AED 20,000 each and every loss in respect of fire, explosion & wet perils
- 5% of claim amount with a minimum of AED 10,000 each and every loss for others
and 1% of Total Sum Insured for each and every claim in respect of earthquake
- First 3 days each and every loss in respect of Loss of Rent
Cover
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Insured:
AL NISR AL THAHABI LUBRICANTS &/or SAMER AL GADDAH INTERNATIONAL GENERAL TRADING CO- LLC as additional
Insured
All real and personal properties of every description, owned in whole or in part by the insured and/or the interest of the insured in
properties of others, on commission, trust, custody, control, joint accounts with others, including the interest of the insured in
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improvements and betterments to buildings not owned by the insured, for which the insured may become liable to pay in case of
loss or damage by any of the insured perils mentioned thereafter including but not limited to items mentioned above.
Perils Covered
Fire, lightning, thunderbolt, explosion, implosion, storm, tempest, flood, earthquake, riot, civil commotion, malicious damage,
water damage, hail, atmospheric disturbances, bursting, leakage or overflowing of water tanks, apparatus, reservoirs, pipes, fire
extinguishers, sprinklers, boilers, radiators, subsidence and landslide, impact damage (including own vehicles), burglary, aircraft
and other articles/devices dropped there from including pressure waves and sonic boom caused by aircraft and/or other devices,
traveling at sonic or supersonic speeds, subterranean fire, smoke damage.
Business:
- Lubricants and Grease Manufacturing
- Import-Export, Retail and Wholesale of imported Auto Spare Parts and Car Accessories, Industrial Lubricants, Engine Oil and
car care items.
Choice of Law and Jurisdiction

Law: This insurance shall be governed by the laws of UAE
Jurisdictions: UAE
Conditions
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As per RAKNIC Fire and Allied Perils wording including the following:
1. 72 hours clause
2. All Other Contents Clause limited to AED 5,000/- any one occurrence and in the aggregate
3. Alteration and repair works Clause
4. Automatic Reinstatement Clause subject to pro rata additional premium.
5. Capital Addition Clause 10% of sum insured
6. Claims preparation cost 10% of claim amount with a maximum of AED 100,000 any one occurrence and in the aggregate
7. Debris Removal Clause limited to 20% of claim amount with a maximum of AED 100,000 any one occurrence and in the
aggregate
8. Designation of Property Clause
9. Errors and Omission Clause 5% of sum insured
10. Expediting Expenses Clause – up to a limit of Dhs. 100,000 any one occurrence and in the aggregate.
11. Extra Expense Clause AED 50,000 any one occurrence
12. Fire Department Services Charges up to 10% of claim amount not exceeding AED 150,000/- any one occurrence and in the
aggregate
13. On Account Payment Clause, subject to loss adjustor’s recommendation
14. Professional Fees Clause limited to 10% of claim amount with a maximum of AED 50,000 any one occurrence and in the
aggregate
15. Cancellation Clause (short rate)
16. Public authority clause 10% of building sum insured
17. Raw materials all such other items of the insured’s trade and business will be indemnified on the basis of landed cost or
market value whichever is less
18. Reinstatement value average Clause 85% excluding stock
19. Stock in trade consisting of finished and semi-finished goods and all such other items of the insured’s trade and business
will be indemnified on the basis of cost of goods sold
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20. Temporary Removal Clause limited to 10% of claim amount not exceeding AED 100,000 any one occurrence
21. Workmen's Clause excluding hot works
22. Automatic Addition & Deletion - up to 10% of sum insured
23. No control/Non-invalidation Clause
24. Rent Clause - 12 months
25. Property in the open other than building structure and machineries which are designed to operate and exist in the open are
covered only against Fire, Lightning and Explosion
26. Stock in open for finished goods under process of loading and unloading covered up to AED 300,000 due to fire lighting
explosion and natural catastrophic
Except for water or rain damage unless protected by tarpaulin sheets
27. Notice of Cancellation (30 Days), refund premium is subject to nil claims.
Total RAK Insurance Liability inclusive of additional clauses and / or extensions – sub limits shall not exceed the total sum
insured or the overall limit stated in the slip.
Exclusions
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1. Any kind of Third-Party Liability absolutely

2. All Cheques, Jewels, Valuables and Items of similar nature
3. Machinery Breakdown and Business Interruption resulting from Machinery Breakdown
4. Loss of volume in stocks due to change of climate and evaporation
5. Loss of fuel due to the leakage from tanks due to tear and wear
6. Micro-organism Exclusion (MAP) (Absolute) – 2791MAP00001
7. Asbestos Exclusion Clause
8. Nuclear Energy Risks Exclusion Clause – NMA 1975(a)
9. Institute Radioactive Contamination, Chemical, Biological, Bio-chemical And Electromagnetic Weapons
Exclusion Clause – CL 370
10. Biological or Chemical Materials Exclusion - NMA 2962
11. Radioactive Contamination and Explosive Nuclear Assemblies Exclusion Clause - NMA 1622
12. Information Technology Hazards Clarification Clause - NMA 2912
13. Industries, Seepage, Pollution and Contamination Exclusion Clause N?. 3 - 1685
14. Electronic Data Endorsement B - NMA 2915
15. War and Terrorism Exclusion Clause - NMA 2919
16. Political Risks Exclusion
17. Sanction Limitation and Exclusion Clause – LMA3100
18. Nuclear Energy Risk (as per Nuclear Energy Risk Exclusion NMA 1984)
19. War and Terrorism (as per War and Terrorism Exclusion NMA 2918)
20. Institute Cyber Attack Exclusion Clause (CL380)
21. Electronic Data Recognition Endorsement C (XLEDRC)
22. Transmission and distribution lines exclusion clause LSW 1635
23. Any refinery risks
24. Loss of damage arising out of rainwater leakage caused by structural defects, lack of maintenance or design defect
25. The policy excludes absolutely any insolvency, bankruptcy and financial default by the insured.
26.Infectious or Contagious Diseases Liability Exclusion Clause
27. Coronavirus Exclusion LMA5391 (amended)
28. COMMUNICABLE DISEASE EXCLUSION (ABSOLUTE) CANCELLATION AND ABANDONMENT
29. COMMUNICABLE DISEASE ENDORSEMENT LMA5393
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Warranty
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1. Smoking in the warehouse including office and entrance area should be strictly prohibited. Smoking in warehouses should be
strictly prohibited in accordance with national legislation and notices to this effect should be prominently displayed. A
designated safe smoking area should be provided, and where practicable this should be at least 10m from buildings, hazardous
installations and externally stored combustible items.
2. All Fire Extinguishing appliances to be always in activated condition and to be fixed in easily accessible places.
3. Trade Waste to be removed on daily basis and premises especially working areas to be kept clean during the policy period.
4. It is a condition precedent to any liability that the insured should comply with the Civil Defense requirements and regulations
and maintain the premises accordingly throughout the policy duration.
5. Routine checks on the electrical network system to be carried out periodically
6. Fire prevention and appliances clause
7. The premises other than the designated accommodation areas should not be used as housing for workers irrespective of
number of workers.
8. All stock are stored/packed in accordance and compliance with the Manufacturer’s specifications and requirements
9. Book keeping warranty. Such records should be kept at an alternative location away from the Insured premises.
10. The insured shall maintain standard and adequate housekeeping at all times
11. It is warranted that CCTV cameras in good working conditions 24/7, covering the entire location with recording facility up to
7 days to be installed in the premises throughout the policy duration. RAK Insurance reserve the right to access the records in
case of claim. backup day (for dvr outside factory) : on weekly basis
12. Warranted that the insured shall ensure and comply with Civil Defense regulations regarding fire safety and firefighting
equipment during the currency of the policy and hold valid Civil Defense certifications
13. Warranted valid Civil Defense Certificate is available and in case of non-compliance there would be no liability from insurers
14. Storage of large pallet stacks within the warehouse or adjacent to the warehouse is not acceptable because of the risk of
fire spreading through the wall.
15. Safe separation from out-door storage: External combustible storage should be undertaken as far away as possible from the
outside of the buildings, to be no nearer than 10m.
16. Parking should be at least 10m away from buildings, hazardous installations and loading areas.
17. No open flames in the warehouse, regardless of the products stored.
18. Hazardous operations e.g. forklift truck battery charging etc should be adequately separated from the main warehouse /
storage area, preferably by fire walls of at least 2 hours fire-resistance.
19. Plant rooms e.g. electrical substations / switch rooms, boiler rooms etc should be adequately separated from the main
warehouse / storage area preferably by fire walls of at least 2 hours fire -resistance.
20. Externally sited plant and equipment etc e.g. transformers, generators, LPG storage should be sited as far away as
possible from the outside of the buildings to be no nearer than 10m.
21. Storage should be kept clear of fire doors and fire exits maintained unobstructed.
22. Open fire and the usage of electric and gas devices for making coffee, tea and food should be forbidden in the warehouse.
23. Close-down inspections each evening should be made in which all areas of the warehouse are inspected and logged by a
responsible person. This should include checking that accumulated waste materials have been removed, that plant and services
have been isolated as required and that all fire and security protection systems are operative.
24. The warehouse should be closed after the warehouse has been cleaned up, rubbish, containers and waste removed, except
for switching-off electric and office appliances and lighting network.
25. Night-time patrols/guards.
26. Re-inspection of warehouse every 12 months.
27. Warranted that the fire control panel is working within the policy period.
28. Warranted that the service sticker is updated and and should show the next service due date
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Premium Payment Warranty

90 days from date of invoice subject to PDC
Material Alteration Clause
Our policy is based on the risk information shared by the source/insured and any change in the information whatsoever whether
innocent or otherwise shall render the policy invalid requiring for review.
In the event of the source/insured becoming aware of a material change to risk (including a material change to such risks loss
record) after the policy is issued, the insured shall inform the insurer as soon as possible. The insurer reserves the right to
amend or withdraw term and conditions subject to receipt of such new information.
- Policy shall be deemed cancelled ab-initio if no premium is paid until notification of a claim past the due dates of premium
payment. Full premium becomes automatically due forthwith upon a claim notification to consider the claim notification for
processing.
- Notice of Cancellation under the policy, if any, shall not be applicable, regardless, if Premium Payment Warranty (PPW) or
Premium Payment Clause (PPC) (as the case may be), is breached.
Wordings
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ANNEX EXTENDED PERILS
1. BURSTING OR OVERFLOWING OR LEAKAGE OF PIPES OR APPARATUS EXTENSION CLAUSE
It is hereby declared and agreed in consideration of the premium paid hereon to the extent and the manner hereinafter provided,
to extend this insurance to insure against loss of or damage to the property insured caused by:
a. Bursting or
b. Overflowing or
c. Leakage of water pipes or
d. Apparatus
e. Radiators
DEFINITION
The words "water pipes and apparatus" as used herein mean water pipes, water mains water tanks or water apparatus
excluding:
a. Automatic sprinkler installation and

b. Drenchers and
c. Boilers other than domestic boilers
EXCLUSIONS
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This extension does not cover:
1. The first (as stated on the policy schedule) of each and every loss or damage.
2. Loss or damage
a. As a result of repairs to or renewal or extension of Water Pipes and Apparatus,

b. Resulting from freezing if such freezing shall occur in consequence of the negligence of the Assured.
c. Caused by the bursting or overflowing or leakage of water Pipes or Apparatus, occurring whilst the premises are vacant or
unoccupied, but this exclusion shall not apply to periods during which the premises ate normally closed for holidays or
weekends
d. To property in the open,
e. To gates, boundary fences or walls, glass, drains sewers or water courses unless damaged by the fall of Brickwork or
masonry caused by an insured peril.
3. Loss or damage directly or indirectly
a. Caused by earthquake, subsidence or landslip

b. Caused by fire, lighting or explosion
c. Caused by flood, storm or Tempest
CONDITION
The assured shall as soon as possible give notice in writing to the underwriters of any alteration likely to increase the risk of
loss of or damage to the property insured and shall pay such reasonable additional premium, if any, as may be required by the
underwriters, this extension is subject otherwise to all the terms and conditions of the policy to which it is attached.
2. STRIKES, RIOTS & CIVIL COMMOTION
It is hereby declared and agreed that, notwithstanding anything in the within written policy contained to the contrary, this
insurance shall, subject to the special conditions hereinafter contained extend to include:
Loss of or damage to the property insured (including loss or damage due to fire or explosion) directly caused by persons taking
part in riots or civil commotions or by strikers or locked-out workers or by persons taking part in labour disturbances or by
persons of malicious intent acting on behalf of or in connection with any political organization.
Loss of or damage to the property insured (including loss or damage due to fire or explosion) directly caused by the action of
any lawfully constituted authority in connection with the foregoing perils only.
Provided always that all the conditions of this policy shall apply (except in so far as they may be hereby expressly varied) and
that any reference therein to loss or damage by fire shall be deemed to apply also to loss or damage directly caused by any of
the perils which this insurance extends to include by virtue of this endorsement.
SPECIAL CONDITIONS
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This endorsement does not extend the insurance under this policy to cover:
Loss or damage caused by any of the perils, hereby insured against, if such loss or damage either in origin or extent is directly
or indirectly, proximately or remotely, occasioned by or contributed by any of the following occurrences, or either in origin or
extent directly or indirectly, proximately, or remotely, arises out of or in connection with any of such occurrences, namely, war,
invasion, act of foreign enemy, hostilities or war like operations (whether war be declared or not), civil war, mutiny, insurrection,
rebellion, revolution, conspiracy, military or usurped power.
Loss or damage occasioned by cessation of work.
Loss or damage occasioned by confiscations, commandeering, requisition or destruction of or damage to property by order of
the government or any public municipal or local authority of the country or area in which the property is situated.
Consequential loss or damage of any kind or description whatsoever including delay, deterioration and loss of market.
Loss or damage caused by acts of terrorists, marauders, infiltrators, and/or saboteurs.
The company shall not be liable to repay the minimum of any part thereof chargeable for this extension of the policy if interest
ceases before expiry of the cover.
Nothing herein contained shall be held to vary, alter, waive or change any of the insuring agreements, exclusions, conditions or
declarations of the policy, except as hereinabove set forth.
???????
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ELECTRONIC DATA RECOGNITION ENDORSEMENT C (XLEDRC)
This endorsement shall prevail notwithstanding any provision whether written typed or printed in this contract inconsistent
herewith.
1. This contract does not cover loss, damage, liability or expense arising from or in any way connected, whether directly or
indirectly, with;
a. the actual or anticipated failure or inability of any computer or electronic device or component or system or software or
embedded programming, whether or not belonging to or in the possession of the direct Assured;
i. correctly and unambiguously to assign any date to the correct day, week, year or century,
ii. correctly to recognise sequence or compute any date which is or is intended to be beyond 31 December 1998,
iii. to continue to operate as it would have done had its current date, the true date and any other date relevant to any function
being carried out by it been prior to 1 January 1999;
b. the use of any arbitrary, ambiguous or incompletely defined date or date-like code in any data, software or embedded
programming;
c. any measures taken whether preventative, remedial or otherwise with the intention of averting or minimising any of the
above.
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2. Notwithstanding l.a) and l.b) above, this contract shall be extended to include;
a. loss or damage arising from physical loss of or physical damage to tangible property;
b. liability for actual or alleged bodily injury;
c. liability for physical loss of or physical damage to tangible property owned by another person and resulting loss of use of
such physically lost or physically damaged property provided that such loss. Damage or liability above is within the terms,
conditions and exclusions of the original policy(ies) or contract(s).
3. For the purposes of 2. above, tangible property shall not include:
a. any data or embedded programming however stored or conveyed;
b. any computer or electronic device or component or system or software, other than where such property forms part of an
insured cargo or ship's machinery, which is in any way connected whether directly or indirectly with loss or damage claimed or
from which such loss or damage arises.
4. This endorsement shall not include loss, damage, liability or expense arising from any contract solely designed to cover
losses arising from any matter referred to in 1. above.
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3. STORM AND TEMPEST EXTENSION CLAUSE
It is hereby declared and agreed in consideration of the premium paid hereon to the extent and in the manner hereinafter
provided to extend this insurance to insure against loss of or damage to the property Insured caused by Storm or Tempest, Hail
and Atmospheric Disturbances.
EXCLUSIONS
This extension does not cover:
1. The first (as stated on the policy schedule) of each and every loss or damage.
2. Loss or damage
a. To property in do open.
b. To gates, boundary fences or walls, glass, drains, sewers or water courses unless damaged by the fall brickwork or masonry
caused by an insured peril.
3. Less or damage directly or indirectly
a. Caused by earthquake, subsidence or landslip.

b. Caused by fire, lighting or explosion.
c. Caused by Flood, bursting or overflowing or leakage of pipes or other apparatus.
Page 9 of 42
4. Consequential loss of any kind or description
CONDITION
The assured shall its soon as possible give notice in writing to the underwriters of any alteration likely to increase the risk of
loss of or damage to the property insured and shall pay such reasonable additional premium. If any, as may he required by the
underwriters.
This extension as subject otherwise to all the terms and conditions of the policy to which it is attached.
4. FLOOD EXTENSION CLAUSE
It is hereby declared and agreed that, notwithstanding anything contained in this policy to the contrary, this insurance shall
(subject to the provisions and special conditions hereinafter contained) extend to cover loss or damage directly caused by:
a. Flood, which shall mean:
i. The overflowing or deviation from their normal channels of either natural or artificial water courses and
ii. Any flow or accumulation or water on the ground except when such flow or accumulation be of water emitted from any
water supply main, tap, pipe, valve or the like save as referred to in b) hereof.
b. Overflowing of guttering and down pipes in connection therewith or bursting, overflowing, municipal, or other public water
supply mains.
Provided always that all the conditions of this policy shall apply (except insofar as they may be hereby expressly varied) and
that any reference therein to loss or damage directly caused by fire shall be deemed to apply to loss or damage directly caused
by any of the perils which this insurance extends to include by virtue of lids endorsement.
SPECIAL CONDITIONS
1. This insurance by this extension does not cover:
i. Loss or damage occasioned by delay, deterioration and/ or loss of market,

ii. Water damage occasioned by or through the leaking of any roof or roofs (unless such not or roofs is/ are damaged by the
perils referred to in a) and/or b) of the preamble hereto) or as result of doors, windows or roof lights being left open
iii. Consequential loss of any kind.
iv. Loss of damage caused by subsidence or landslip unless directly occasioned by the overflowing it deviation from their normal
channels of either natural or artificial watercourses.
v. Loss or damage due to ordinary wear and tear, gradual deterioration or normal exposure to the weather.
vi. Loss or damage to property which at the little of the happening of such loss or damage is insured by or would but for she
existence of this policy he insured by any marine or plate glass policy or policies
vii. Loss or damage to metal, smokestacks. Awnings, blinds, signs and other outdoor fixtures and goings of any description.
2. Unless otherwise expressly stated herein the insurance by this extension does not cover:
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i. Loss or damage to drains, watercourses, boundary walls, garden walls, regaining walls, gates, posts or fences
ii. Loss or damage iv conservatories, glass houses, green houses, pergolas or the contents thereof
iii. Loss or damage cursed by tidal wave.
iv. Coal
v. Raw materials or manufactured goods in the open
vi. Unwrought gold
vii. Property underground.
3. If there be any other fire insurance an dx property insured under this policy the company shall he liable only to pro rata with
such other fire insinuates for any loss or damage by the perils incorporated in this insurance by this endorsement whether or
not such other fire insurance be extended to cover loss or damage caused by any of this said perils.
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5. STANDARD EXPLOSION ENDORSEMENT
It is hereby declared and agreed that the insurance under this policy shall, subject to the special condition hereinafter
contained, extend to include.
Loss or damage to the property insured by fire otherwise directly caused by explosion, but excluding loss or damage to boilers,
economizers, or other vessels, machinery or apparatus in which pressure is used, or their contents resulting from their
explosion.
Provided always that all the conditions of last policy shall apply as if they had been incorporated herein and for the purpose
hereof any loss or damage by explosion as aforesaid shall be deemed to be loss or damage by fire within the meaning of the
policy.
SPECIAL CONDITIONS
1. The company shall not be liable under this extension for loss or damage occasioned by or through or in consequence directly
or indirectly, or any act of any person acting on behalf of, or in connection with, any organization with activities directed towards
the over-throw by force of the government “de jure” or "de facto" or to the influencing of it by terrorism or violence.
In any action, suit or other proceeding, whether the company alleges that by reason of the provisions of this conditions any loss
or damages is not covered by this insurance, the burden of proving that such toss or damage covered shall be upon the insured
2. If there shall be any other fire insurance on the property insured under this policy, the company shall be liable only pro rate
with such other fire insurance for any loss or damage by explosion whether or not such other fire insurance be extended to
cover loss or damage by explosion.
3. The company shall not be liable under this extension for loss or damage which at the time of the happening of such loss or
damage is insured by or would, but for the existence of this extension, be insured by any other existing policy or policies
except in respect of any excess beyond the amount which would have been payable under such other policy or policies had this
insurance our been effected.
6. AIRCRAFT EXTENSION CLAUSE
In consideration of the payment of a premium including in the policy premium, the insurance by this policy extends to include
Page 11 of 42
destruction of or damage to the property insured by fire or otherwise) directly caused by aircraft and/or aerial devices and/or
articles dropped therefrom.
Provided always that all the conditions of the policy except insofar they may, be hereby expressly varied shall apply as if they
had been incorporated herein.
7. EARTHQUAKE, EXTENSION CLAUSE
It is hereby declared and agreed that notwithstanding to the contrary contained in the printed condition, this policy shall, subject
to the special conditions hereinafter contained extend to include:
Loss or damage to the property insured directly caused by earthquake, fire, shock volcanic eruption, subterranean fire or
associated subsidence and landslips.
Provided always that each and all of the conditions of this policy including the conditions in the printed form of this policy and
endorsements attached thereto shall apply (except insofar as they may be hereby or hereafter expressly vied in writing to all
hazards insured against under this policy and that any references to each and all of the said conditions to loss or damages by
fire is understood to mean also loss or damage by any of the perils to which this insurance extends, by virtue of this
endorsement or by virtue of any other endorsement hereafter affecting this policy.
The fall of building clause in the policy to which this endorsement is attached shall not apply when the fall is caused by perils
included in this endorsement.
8. IMPACT EXTENSION CLAUSE
It is hereby declared and agreed that insurance under this policy shall include destruction or damage directly caused by impact
with the building or its boundary walls, fences, and gates by any road vehicles, horse and cattle not belonging to or under
control of insured or any of the insured's employees.
Provided always that all the conditions of the policy except insofar that may be hereby expressly varied shall apply as if they
had been incorporated herein.
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9. MALICIOUS DAMAGE ENDORSEMENT
It is hereby agreed and declared that the above insured is extended to include malicious damage, which for the purpose of this
extension shall mean:
Loss of or damage to the property insured directly caused by the malicious act of any person (whether or not such act is
committed in the course of a disturbance of the public peace).
But the company shall not be liable under this extension for any loss or damage by fire or explosion not for any loss or damage
arising out of or in the course of burglary, hour-braking theft or larceny or any attempt thereat or caused by any person taking
part therein.
10. WATER DAMAGE CLAUSE
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Notwithstanding anything to the contrary herein contained, it is hereby declared and agreed that the insurance under this policy
shall (subject to the provisions and special conditions hereinafter contained) extend to cover loss or damage directly caused by:
a. The bursting or overflowing of water tanks apparatus or pipes (excluding damage caused thereto)
b. Rain, provided that on the happening of any loss or damage to any buildings or the contents thereof the same buildings, are
not already in a damaged or defective condition as regards foundations, walls, ceiling, guttering, roofs, doors, windows, or roof
lights;
c. Flood which shall mean:
i. The overflowing or deviation from their normal channels of either natural or artificial water courses and;
ii. Any flow or accumulation of water on the ground except when such floor or accumulation be of water emitted from any
water supply main, tap pipe, valve or the like save as referred to in (d) hereof:
d. Overflowing of guttering and down pipes in connection herewith or bursting or overflowing of Municipal or other Public water
supply mains.
PROVIDED always that all the conditions of this policy shall apply (except insofar as they may be hereby expressly varied) and
that any reference therein to loss or damage directly caused by fire shall be deemed to apply also to loss or damage directly
caused by and of the perils which this insurance extends to include by virtue of this endorsement.
SPECIAL CONDITIONS
1. The insurance by this extension does not cover:
i. Loss or damage occasioned by delay, deterioration and/or loss of market;

ii. Water damage occasioned by or through the leaking of any roof or roofs (unless such roof or roofs is/are damaged by
the perils referred to in (a) and/or (c) of the preamble hereto) of as a result of doors, windows, or roof lights being left open;
iii. Consequential loss of any kind;
iv. Loss or damage caused by subsidence or landslip unless directly occasioned by the overflowing or deviation from their
normal channels or either natural or artificial watercourses.
v. Loss or damage due to ordinary wear and tear, gradual deterioration or normal exposure to the weather;
vi. Loss or damage to property which at the time of the happening of such loss or damage is insured by or would but for
the existence of this policy be insured by any Marine or Plate Glass Policy or Policies;
vii. Loss or damage to Metal, Smokes-Stacks, Awnings, Blinds, Signs and other outdoor fixtures and fittings of any
description.
2. Unless otherwise expressly stated herein the insurance by this extension does not cover:
i. Loss or damage to drains, watercourses, boundary walls, garden walls, retaining walls, gates, posts or fences;
ii. Loss or damage to conservatories, glass houses, green houses, pergolas or the contents thereof;
iii. Loss or damage caused by tidal wave;
iv. Coal;
v. Raw materials or manufactured goods in the open;
Page 13 of 42
vi. Unwrought gold;

vii. Property underground.
3. If there be any other Fire insurance on the property insured under this policy the company shall be liable only pro-rata
with such other fire insurance for any loss or damage by the perils incorporated in this insurance by this endorsement whether
or not such other fire insurance be extended to cover loss or damage caused by any of the said perils.
11. SPRINKLER INOPERATIVE CLAUSE
The cover provided by this section of the policy shall not be prejudiced in the event of any automatic sprinkler installation being
turned off while alterations, additions, repairs, renovations, inspections, testing or the like is or rare being undertaken.
12. SPRINKLER LEAKAGE
Notwithstanding anything that may be contained in this policy to the contrary it is understood that this insurance is extended to
indemnify the Insured against loss or damage to the Property Insured caused by water leaking from the Automatic Sprinkler
installations in the premises referred to here, provided that such discharge or leakage is accidental.
Provided that this extension does not cover:
a. Loss or damage caused by the discharge of water occasioned by or happening through
i. Repairs or alterations to the premises

ii. The automatic sprinkler installations being repaired, removed or extended
iii. Freezing whilst the premises are vacant or unoccupied for a period of more than (7) days or freezing due to the neglect
of the Insured
iv. Defects in construction or condition of the Automatic Sprinkler Installations of which the Insured is aware
b. Damage to the Automatic Sprinkler Installations
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
13. BURGLARY, ROBBERY or THEFT CLAUSE
Notwithstanding anything contained herein to the contrary and subject otherwise to its exclusion limits and conditions, the
Policy is extended to provide the full indemnity if the property or any part thereof whilst within the premises shall be stolen or
damaged by theft not consequent upon forcible and violent entry of or exit from the premises, the Insurer will indemnify the
insured for such loss or damage.
Provided that this extension shall not cover:
a. any disappearance or shortage discovered at the time of stocktaking; loss of or damage to the Property Insured caused by
intentional act and actual default of the Insured or his representatives;
b. loss of or damage to the Property Insured due to Burglary or Theft by any member of the family of the Insured, his relatives,
employees, inmates, lodgers or any of these persons who instigates others to commit it;
c. loss of or damage to the Property Insured due to Burglary or Theft whilst the insured properties are put under a premise
Page 14 of 42
without residents or absence of custodians for a period of more than 10 days; loss of or damage to the Property Insured due to
Burglary or Theft at the time of natural calamities such as earthquake, flood, etc.;
d. loss of or damage to the Property Insured due to Burglary or Theft at the time of fire.
This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.
14. SMOKE DAMAGE CLAUSE
It is hereby agreed and understood that the insurance under this policy shall be extended to include loss of or damage to the
property insured directly caused by smoke. The term Smoke means only smoke due to a sudden unusual and faulty operation
of any heating or cooking unit only when such unit is connected to a chimney by a smoke pipe or by a vent and while in the
premises described in this policy excluding however smoke from fireplaces or industrial apparatus.
Subject otherwise to the terms exceptions and conditions of this policy
15. GLASS BREAKAGE
The insurance by this policy extends to cover the Assured against Glass Breakage up to a maximum amount as per schedule.
Provided always that the Company shall not be liable for:
a. Damage caused by any work related with construction or transformation.

b. Ornamental, painted, engraved or similar glass.
c. Damage existing at time of inception
d. Damage caused by fire, lightning, explosion, earthquake, storm tempest, flood or any other meteorological phenomena as
also those occasioned by any act of war (declared or not declared) strikes, riots or military troubles, unless the Assured can
prove that the claim is not connected (directly or indirectly) with these events.
e. Damage resulting from the removal of the insured glass from its initial location or any damage occurring as a result of any
work undertaken on the glass, frames or arising from any cause while being fixed or installed.
16. BOILER EXPLOSION CLAUSE
“It is hereby expressly understood and agreed that this policy also covers loss or damage to the whole or any part of the
property insured (including the boiler) caused by boiler explosion”.
17. SUBSIDENCE, GROUNDHEAVE AND LANDSLIDE CLAUSE
It is hereby declared and agreed that notwithstanding anything contained to the contrary the insurance policy shall extend to
include destruction or damage by fire or otherwise of or to the property insured directly caused by natural calamity resulting in
subsidence or heave
Provided that:
1. The company shall not be liable for destruction or damage as aforesaid caused by or attributable to:
Page 15 of 42
a. Faulty design or construction of or removal of or weakening of supports to any building described in the policy
b. Workmen’s engaged in making any structural alterations, additions, or repairs to building described in the policy
c. Excavations on or under land
2. The company shall not be liable for damage due to mere cracking or settlement of the building nor for any loss unless the
entire building or part thereof has collapsed through Subsidence when the ground below a building moves causing uneven
settlement of the structure and resultant cracking or damage
a. Ground heave is the opposite when the building sites moves upwards with same result
b. Landslip is the rapid downward movement of land under the influence of gravity
3. The company shall not be liable for consequential loss of any kind whatsoever except loss of rent when specifically insured
under the policy
4. The insured shall bear the first proportion of each and every loss claim up to an amount specified in the schedule It is a
condition of this insurance that the insured undertakes to exercise all ordinary and reasonable precautions for the maintenance
and safety of the property.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
72 HOURS CLAUSE
It is agreed that any loss of or damage to the insured property arising during any one period of 72 consecutive hours caused by
storm, tempest, flood, tidal wave, hail shall be deemed as a single event and therefore to constitute one occurrence with regard
to the excess provided herein. For the purpose of the foregoing the commencement of any such 72 hours period shall be
decided at the discretion of the Insured it being understood and agreed, however, that there shall be no overlapping in any two or
more such 72 hours periods in the event of damage occurring over a more extended period of time.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
ALL OTHER CONTENTS CLAUSE
It is hereby agreed that within the limit(s) of the sum(s) insured as per schedule, this insurance covers, against loss or damage
by any peril hereby insured, "All Other Contents" (so far as not otherwise insured) in or on the portion or portions of the
premises containing the property to which such sums insured respectively relate, and including:
a) Money and Stamps (including any liability established upon the Assured for National Insurance or National Savings
Stamps, whether affixed to cards, books or otherwise, destroyed or damaged by any peril insured against by this Policy), the
liability of the Underwriters in respect of Money and Stamps (other than National Insurance and National Savings Stamps) being
limited as per policy schedule
b) Documents, Manuscripts and Business Books, but only for the value of the materials as stationery together with the cost
of clerical labour expended in writing up and not for the value to the Assured of the information contained therein and for an
amount limited as per policy schedule
c) Patterns, Models, Mould, Plans and Designs for an amount limited as per policy schedule
d) Computer Systems' 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 to be
Page 16 of 42
recorded therein) and not for the value to the Insured of the information contained therein, for an amount limited as per policy
schedule being to the Assured or held by them in trust or on commission for which they are responsible, and
e) Employees' Pedal Cycles, Tools and other personal effects limited as per policy schedule in respect of any one pedal
cycle and, with regard to any one employee, in respect of tools and in respect of all other personal effects.
This Clause is subject otherwise to all the terms and conditions of the Policy/Certificate to which it is attached.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
ALTERATIONS AND REPAIRS
Workmen are allowed in or about any premises herein referred to carrying out alterations and repairs without prejudice to the
terms of this insurance.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
AUTOMATIC REINSTATEMENT CLAUSE
In the event of loss or losses occurring under this policy it is hereby mutually agreed to reinstate this policy to its full amount of
from the time of the occurrence of such loss or losses until expiry of this policy and that an additional premium calculated at
pro-rata for the period from the date of such loss or losses to expiry of this policy shall be paid by the Insured upon the amount
of such loss or losses and that this additional premium shall be paid by the Insured when any loss or losses arising hereunder
are settled.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
CAPITAL ADDITIONS CLAUSE
It is hereby declared and agreed that in the event of any additions, alterations or extensions being made to property insured
under item/s of this policy the Company will automatically hold covered in the terms, exceptions and conditions of the policy for
items of alike nature for an amount not exceeding 10 per cent of the original sum insured relating to those items. Providing
always that the Insured will notify the Company in writing of such additions, alterations and repairs as soon as possible after
completion, but in no event exceeding a period of 30 days and will pay to the Company the appropriate pro-rata additional
premium.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
CLAIMS PREPARATION COSTS CLAUSE
Insurance under this Policy is extended to include costs and expenses incurred in investigating, producing and certifying any
particulars or details required by the Insurers, under the terms of the general conditions, but limited to reasonable payments in
respect of:
I. additional wages or salaries or out of pocket expenses to insured's own employees
II. additional fees to insured's Auditors or other professional person(s)
III. cost of materials used.
Limit: As per Policy Schedule
Page 17 of 42
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
DEBRIS REMOVAL CLAUSE
It is hereby agreed that within the limit(s) of the sum(s) insured by (mentioned in the Policy Schedule) this Policy covers costs
and expenses necessarily incurred by the Assured with the consent of the Underwriters for:
a) removing the debris of
b) dismantling or demolishing
c) shoring up or propping
The portion or portions of the property destroyed or damaged by any peril hereby insured against and to which such sum(s)
insured against and to which sum(s) insured respectively relate for an amount limited as per policy schedule.
This Clause is subject to all the terms and conditions of the policy to which it is attached.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
DESIGNATION OF PROPERTY CLAUSE
For the purpose of determining where necessary the heading under which any property is insured, the Insurers agree to accept
the designation under which such property has been entered in the Insured's books.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
ERRORS AND OMISSIONS CLAUSE
It is hereby declared and understood that any unintentional or non-deliberate errors, omissions or delays made in connection
with this insurance, the policy shall be held to relieve either party hereto from any liability which would have otherwise attached,
had such error, delay or omission not been made, providing that such errors or omissions are corrected immediately upon
discovery or become known to the insured.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
EXPEDITING EXPENSES CLAUSE
This insurance is extended to cover extra charges for overtime, night work, work on public holidays and express freight
(including air freight) incurred in connection with any loss of or damage to the Insured recoverable under this Policy.
Provided that the Insurer's liability under this Memorandum shall be limited to the amount specified in the policy schedule.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
EXTRA EXPENSE ENDORSEMENT
A. INSURING AGREEMENT
The Policy to which this Endorsement is attached is extended to cover the Extra Expense incurred by the Insured during a
Period of Restoration directly resulting from direct physical damage insured against by this Policy, to property not otherwise
Page 18 of 42
excluded by this Policy, utilized by the Insured and located as described elsewhere in this Policy
B. DEFINITIONS
The following terms wherever used in the Endorsement shall be defined as follows:
1. Extra Expense
a. The reasonable and necessary extra expenses incurred to temporarily continue as nearly normal as practicable the conduct
of the Insured's business;
b. The reasonable and necessary extra costs of temporarily using property or facilities of the Insured or others:
At the end of the Period of Restoration specified elsewhere in this Endorsement, any value remaining in property obtained in
connection with a. or b. above shall be taken into consideration in the determination of the actual loss sustained
In no event shall these expenses include:
a. loss of income
b. costs which normally would have been incurred in conducting the business during the same period had no damage
insured against occurred
c. cost of permanent repair or replacement of property that has been damaged or destroyed
2. Normal
The condition that would have existed had no damage of the type insured against occurred. In determining the indemnity
payable under this Endorsement, due consideration shall be given to the experience of the business before the loss and the
probable experience thereafter had no loss occurred.
3. Period of Restoration
The liability of the Insurers under this Endorsement shall be limited to the Period of Restoration. The Period of Restoration shall
be the length of time required with the exercise of due diligence and dispatch to rebuild, repair or replace such described
property as has been damaged and to make sure property ready for operations under the same or equivalent physical and
operating conditions that existed prior to the occurrence unless otherwise provided in this Endorsement. The Period of
Restoration shall not include any additional time required for making changes to buildings, equipment or contents regardless of
the reason(s) for the changes, except as provided for in the Demolition and Increased Cost of Construction Endorsement, if
endorsed hereon, nor any additional time required for re-staffing or retraining employees nor for delay of any kind caused by
labour disputes including strikes.
The liability of the Insurers under this Endorsement shall not be limited by the expiration of this Policy.
C. EXCLUSIONS
This Endorsement does not cover:
1. Any period during which goods would not have been produced nor business operations or services maintained for any
Page 19 of 42
reason other than physical damage to which this Endorsement applies
2. Extra expense incurred as a result of damage to finished products manufactured by the Insured nor the time required for
their reproduction
3. Any extra expense incurred due to the suspension, cancellation or lapse of any lease, contract, license or order nor any
loss due to fines or damage for breach of contract or for late or non-completion of orders or penalties of whatsoever nature, nor
shall the Insurers be liable for extra expense incurred due to any other consequential or remote loss
4. Any extra expense resulting from loss or damage to property in transit
D. USE OF OTHER PROPERTY
The Insured agrees to use any suitable property or service owned or controlled by the Insured or obtainable from other sources
in reducing the extra expense incurred under this Endorsement.
E. LIABILITY
The liability of the Insurers under this Endorsement for any one occurrence shall not exceed the sum specified in the Schedule.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
FIRE DEPARTMENT SERVICE CLAUSE
Sometimes when property is located outside the boundaries of a city or town, the fire department will agree to come to a fire,
but a charge is made for it. This clause extends the policy to pay such charges in the event of loss.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
PAYMENTS ON ACCOUNTS CLAUSE
It is understood and agreed that in the event of the occurrence of a loss under this insurance the Company will make payment
on account in respect of such loss to the Insured if desired.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
PROFESSIONAL FEES CLAUSE
The insurance under this Policy includes an amount in respect of Architect's, Surveyor's and Consulting Engineer's Fees or
other professional fees necessarily incurred by the Insured in the reinstatement of the property insured consequent upon its
loss, destruction or damage but not for preparing any claim, it being understood that the amount payable for such fees shall not
exceed those authorized of the Royal Institute of Chartered Consultants/The Royal Institute of Chartered Surveyors or the
Association of Consulting Engineer's or of the equivalent local body. In any case the amount payable for such fees shall not
exceed the limit specified under the clause.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
CANCELLATION CLAUSE AT SHORT PERIOD SCALE
This policy may be cancelled by either Party (the Insured or the Company (Insurer)) by providing thirty days (30) notice to the
other Party at last known registered address and in such event the Insurer will return to the Insured short period scale premium
Page 20 of 42
for the unexpired portion of the policy period.
This return premium is subject to NIL claim.
Policy cancellation due to non-payment of premium will be subject to Premium Payment Condition / Warranty under the policy.
Short Period Premium retained by the Insurer:
Up to 1 month : 25%
Up to 2 months : 35%
Over 9 months : Full Annual Premium
Subject otherwise to the same terms, conditions, and limitations of the Policy.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
PUBLIC AUTHORITIES CLAUSE
It is hereby agreed that within the limit(s) of the Sum(s) insured under the schedule of this policy covers such additional cost of
reinstatement of the property thereby insured which has been destroyed or damaged by any peril hereby insured against, as
may be incurred solely by reason of the necessity to comply with Building or other Regulations under or framed in pursuance of
any Act of Parliament or with Bye-Laws of any Municipal or Local Authority.
Provided always that:
1. The amount recoverable under this extension of the Policy not include:
a. the cost incurred in complying with any of the said Regulations or Bye-Laws
i. In respect of destruction or damage occurring prior to the granting of this extension,
ii. Under which notice has been served upon the Assured prior to the happening of the destruction or damage,
iii. In respect of undamaged property or undamaged portions of property, other than foundations (unless foundations
are specifically excluded from the insurance by the Policy) of that portion of the property destroyed or damaged,
b. The additional cost that would have been incurred to make good the property destroyed or damaged to a condition equal
to its condition when new had the necessity to comply with any of the said 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 the owner thereof by reason of compliance with any of the said Regulations or
Page 21 of 42
Bye-Laws.
2. The work of reinstatement must be commenced and carried out with reasonable dispatch and may be carried out wholly
or partially upon another site (if the said Regulations or Bye-Laws so necessitate) subject to the liability of the Underwriters
under this extension not being thereby increased.
3. In respect of any property, the liability of the Underwriters under the Policy apart from this extension shall be reduced by
the application of any of the terms and conditions of the policy to which this clause is attached, then the liability of the
Underwriters under this extension in respect of any such property shall be reduced in the same proportion.
This Clause is subject otherwise to all the terms and conditions of the Policy to which it is attached.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
REINSTATEMENT VALUE (85% AVERAGE) CLAUSE
It is hereby agreed that in the event of the property Insured Building/Plant, Machinery of the Schedule of this Policy being
destroyed or damaged the basis upon which the amount payable under the said Items of the Schedule is to be calculated shall
be the reinstatement of the property destroyed or damaged, subject to the following special provisions and subject also to the
terms and conditions of the Policy except in so far as the same may be varied hereby
For the purposes of the insurance under this clause "reinstatement" shall mean:
The carrying out of the after mentioned work, namely:
a. Where property is destroyed, the rebuilding of the property if a building, or in the case of other property, its replacement
by similar property, in either case in a condition equal to but not better or more extensive than its condition when new
b. Where property is damaged, the repair of the damage and the restoration of the damaged portion of the property to a
condition substantially the same as but not better or more extensive than its condition when new
Special Provisions:
i. The work 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; otherwise no payment beyond the amount which would have been payable under the policy if this clause
had not been incorporated therein shall be made.
ii. When any property insured under this clause is damaged or destroyed in part only the liability of the Company shall not
exceed the sum representing the cost which the Company could have been called upon to pay for reinstatement if such
property had been wholly destroyed
iii. No payment beyond the amount which would have been payable under the policy if this clause had not been incorporated
therein shall be made until the cost of reinstatement shall have been actually incurred.
iv. Each item insured this clause is declared to be separately subject to the following Condition of Average, namely:
If at the time of reinstatement the sum representing eighty five percent of the cost which would have been incurred in
Page 22 of 42
reinstatement 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 other peril hereby insured against, then the Insured shall be considered as being their own
insurers for the difference between the sum insured and the sum representing the cost of reinstatement of the whole of the
property and shall bear a rateable proportion of the loss accordingly.
v. No payment beyond the amount which would have been payable under the Policy if this clause had not been incorporated
therein shall be made if at the time of any destruction or damage to any property insured hereunder such property shall be
covered by any other insurance effected by or on behalf of the Insured which is not upon the identical basis of reinstatement set
forth herein.
vi. Where by reason of any of the above Special Provisions no payment is to be made beyond the amount which have been
payable under the Policy if this clause had not been incorporated therein the rights and liabilities of the Company and the
Insured in respect of the destruction or damage shall be subject to the terms and conditions of the Policy, including any
condition of average, therein, as if this clause had not been incorporated therein.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
TEMPORARY REMOVAL CLAUSE
It is hereby agreed that the property insured by this policy (other than any stock in trade or merchandise) is covered in respect
of the perils hereby insured against whilst temporarily removed for cleaning, renovation, repair or other similar purpose elsewhere
on the same premises or to any other premises in the United Arab Emirates.
Provided always that:
1. The amount recoverable under this extension in respect of each item of this policy shall not exceed the amount which
would have been recoverable had the loss occurred in that part of the premises from which the property is temporarily removed
nor, in respect of any loss occurring elsewhere than at the said premises, 10 per cent of the sum insured by this policy after
deducting therefrom the value of any building (exclusive of fixtures & fittings), stock in trade or merchandise hereby insured.
2. This extension does not apply to property if and so far as it is otherwise insured.
3. As regards losses occurring elsewhere than at the premises from which the property is temporarily removed this
extension does not apply to:
(a) motor vehicles and motor chassis licensed for normal road use,
(b) property held by the Assured in trust, other than machinery and plant.
This clause is subject otherwise to all the terms and conditions of the policy to which it is attached.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
WORKMEN'S (MAINTENANCE) CLAUSE
It is hereby noted and agreed that workmen are allowed on the premises for the purpose of effecting repairs and minor structural
and other alterations and also for general maintenance purposes and the like without prejudice to this insurance.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
Page 23 of 42
AUTOMATIC ADDITION AND DELETION CLAUSE
It is hereby declared and agreed that additions and deletions to the schedule will be automatically held covered without prior
notice subject to the Insured's submitting such additions and deletions within one week of the following month.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
NO CONTROL CLAUSE
This insurance shall not be prejudiced by any act or neglect of the owner of any premises if the Named Assured is not the
owner thereof, or by any act or neglect of any occupancy (other than the Named Assured) of any premises, when such act or
neglect of the owner or occupant is not within the control of the Named Assured, or by failure of the Named Assured to comply
with any warranty or conditions contained in any form or endorsement attached to this policy with regard to any portion of the
premises over which Named Assured has no control.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
NON-INVALIDATION CLAUSE
This policy shall not be invalidated by any change of occupancy or increase of risk-taking place in the Insured's premises
without the knowledge of the insured's Management provided they shall immediately upon the same coming to their knowledge
give notice thereof to the Company and pay any additional premium required.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
RENT CLAUSE
This insurance covers Rent in respect of rent receivable or payable by the Insured in respect of premises or part of the Property
Insured. The indemnity under this Policy is for such rent or part which ceases to be payable to/by the Insured whilst the
premises or part are unfit for occupation or use due to loss destruction or damage insured by this Policy.
The amount payable under this Policy shall not exceed such proportion of the Sum Insured listed in the Schedule on Rent as
the necessary period of unoccupancy bears to the term of Rent insured.
Limit of Indemnity: Rent sum insured

Indemnity Period: 12 MONTHS
Excess: 3 days
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
PROPERTY IN THE OPEN CLAUSE
Loss or damage to Contents not exceeding amount in the schedule limited to fire, fighting and explosion occurring in the open
within the boundaries of the land belonging to the premises.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
NOTICE OF CANCELLATION
This endorsement modifies insurance provided under the following:
Insurers may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least:
Page 24 of 42
1. 10 days before the effective date of cancellation if we cancel for non-payment of premium; or
2. According to the election indicated by an "X" below,
x 30 days 0 60 days 0 90 days
before the effective date of cancellation if we cancel for any other reason.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
MICRO-ORGANISM EXCLUSION (MAP) (ABSOLUTE)
This policy does not insure any loss, claim, cost, expense or other sum directly or indirectly arising out of relating to:
Virus, Mould, mildew, fungus, spores or other micro-organism of any type, nature, or description, including but not limited to
any substance whose presence poses an actual or potential threat to human health.
This exclusion applies regardless whether there is
(i) any physical loss or damage to insured property;
(ii) any insured peril or cause, whether or not contributing concurrently or in any sequence;
(iii) any loss of use, occupancy or functionality; or (iv) any action required, including but not limited to repair, replacement,
removal, clean up, abatement, disposal, relocation, or steps taken to address medical or legal concerns.
This exclusion replaces and supersedes any provision in the policy that provides insurance, in whole or in part, for these
matters.
ASBESTOS EXCLUSION CLAUSE
This Policy does not apply to or include legal liability for any loss, injury, damage, cost for expense directly or indirectly arising
out of, resulting as a consequence of, or related to the manufacture, mining, processing, distribution, testing, remediation,
removal, storage, disposal, sale, use of or exposure to Asbestos/Asbestos fibres or materials or products containing
Asbestos/Asbestos fibres whether or not there is another cause of loss, injury, damage, cost or expense in which may have
contributed concurrently or in any sequence to a loss.
Subject otherwise to the Terms, Conditions and Exclusions of the Policy.
NUCLEAR ENERGY RISKS EXCLUSION CLAUSE (1994) (WORLDWIDE EXCLUDING U.S.A. AND CANADA)
This agreement shall exclude Nuclear Energy Risks whether such risks are written directly and/or by way of reinsurance and/or
via Pools and/or Associations.
For all purposes of this agreement Nuclear Energy Risks shall mean all first party and/or third party insurances (other than
Workers' Compensation and Employers Liability) in respect of:
Page 25 of 42
I. All Property on the site of a nuclear power station.
Nuclear Reactors, reactor buildings and plant and equipment therein on any site other than a nuclear power station.
II. All Property, on any site (including but not limited to the sites referred to in I above) used or having been used for:
a. The generation of nuclear energy; or
b. The Production, Use or Storage of Nuclear Material.
III. Any other Property eligible for insurance by the relevant local Nuclear Insurance Pool and/or Association but only to the
extent of the requirements of that local Pool and/or Association.
IV. The supply of goods and services to any of the sites, described in I to III above, unless such insurances or reinsurances
shall exclude the perils of irradiation and contamination by Nuclear Material.
Except as undernoted, Nuclear Energy Risks shall not include:
i. Any insurance or reinsurance in respect of the construction or erection or installation or replacement or repair or maintenance
or decommissioning of Property as described in I to III above (including contractors' plant and equipment).
ii. Any Machinery Breakdown or other Engineering insurance or reinsurance not coming within the scope of (i) above.
Provided always that such insurance or reinsurance shall exclude the perils or irradiation and contamination by Nuclear
Material.
However, the above exemption shall not extend to:
1. The provision of any insurance or reinsurance whatsoever in respect of:
a. Nuclear Material.
b. Any Property in the High Radioactivity Zone or Area of any Nuclear Installation as from the introduction of Nuclear Material or
for reactor installations - as from fuel loading or first criticality where so agreed with the relevant local Nuclear Insurance Pool
and/or Association.
2. The provision of any insurance or reinsurance for the undernoted perils:
- Fire, lightning, explosion

- Earthquake
- Aircraft and other aerial devices or articles dropped therefrom
- Irradiation and radioactive contamination
- Any other peril insured by the relevant local Nuclear Insurance Pool and/or Association
In respect of any other Property not specified in 1 above which directly involves the Production, Use or Storage of Nuclear
Page 26 of 42
Material as from the introduction of Nuclear Material into such Property.
Definitions
"Nuclear Material" means:
i. Nuclear fuel, other than natural uranium and depleted uranium, capable of producing energy by a self-sustaining chain process
of nuclear fission outside a Nuclear Reactor, either alone or in combination with some other material; and
ii. Radioactive Products or Waste.
"Radioactive Products or Waste' means any radioactive material produced in or any material made radioactive by exposure to
the radiation incidental to the production or utilisation of nuclear fuel but does not include radioisotopes which have reached the
final stage of fabrication so as to be usable for any scientific, medical, agricultural, commercial or industrial purpose.
"Nuclear Installation" means:
i. Any Nuclear Reactor;
ii. Any factory using nuclear fuel for the production of Nuclear Material, or any factory for the processing of Nuclear Material,
including any factory for the reprocessing of irradiated nuclear fuel; and
iii. Any facility where Nuclear Material is stored, other than storage incidental to the carriage of such material.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
"Nuclear Reactor" means any structure containing nuclear fuel in such an arrangement that a self-sustaining chain process of
nuclear fission can occur therein without an additional source of neutrons.
"Production, Use or Storage of Nuclear Material" means the production, manufacture, enrichment, conditioning, processing,
reprocessing, use, storage, handling and disposal of Nuclear Material.
"Property" shall mean all land, buildings, structures, plant, equipment vehicles, contents (including but not limited to liquids and
gases) and all materials of whatever description whether fixed or not.
"High Radioactivity Zone or Area" means:
i. For nuclear power stations and Nuclear Reactors, the vessel or structure which immediately contains the core (including
its supports and shrouding) and all the contents thereof, the fuel elements, the control rods and the irradiated fuel store; and
ii. For non-reactor Nuclear Installations, any area where the level of radioactivity requires the provision of a biological shield.
NMA 1975(a)
10/03/94
INSTITUTE RADIOACTIVE CONTAMINATION, CHEMICAL, BIOLOGICAL, BIO-CHEMICAL AND ELECTROMAGNETIC

WEAPONS EXCLUSION CLAUSE
Page 27 of 42
This clause shall be paramount and shall override anything contained in this insurance inconsistent therewith.
In no case shall this insurance cover loss damage liability or expense directly or indirectly caused by or contributed to by or
arising from:
1.1. Ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the
combustion of nuclear fuel;
1.2. The radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor or other
nuclear assembly or nuclear component thereof;
1.3. Any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or
matter;
1.4. The radioactive, toxic, explosive or other hazardous or contaminating properties of any radioactive matter. The exclusion in
this sub-clause does not extend to radioactive isotopes, other than nuclear fuel, when such isotopes are being prepared,
carried, stored, or used for commercial, agricultural, medical, scientific or other similar peaceful purposes;
1.5. Any chemical, biological, bio-chemical, or electromagnetic weapon.
CL 370
10/11/2003
BIOLOGICAL OR CHEMICAL MATERIALS EXCLUSION CLAUSE
It is agreed that this Insurance excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by,
resulting from or in connection with the actual or threatened malicious use of pathogenic or poisonous biological or chemical
materials regardless of any other cause or event contributing concurrently or in any other sequence thereto.
NMA 2962
(06/02/03)
RADIOACTIVE CONTAMINATION AND EXPLOSIVE NUCLEAR ASSEMBLIES EXCLUSION CLAUSE

(Approved by Lloyd's Underwriters' Non-Marine Association)
This Policy does not cover:
a. loss or destruction of or damage to any property whatsoever or any loss or expense whatsoever resulting or arising
therefrom or any consequential loss
b. any legal liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from:
i. ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion
of nuclear fuel
ii. the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component
Page 28 of 42
thereof.
NMA 1622
04/04/68
INFORMATION TECHNOLOGY HAZARDS CLARIFICATION CLAUSE
Losses, otherwise recoverable under this Policy arising, directly or indirectly, out of:
i. loss of, alteration of, or damage to or
ii. a reduction in the functionality, availability or operation of:
a computer system, hardware, programme, software, data, information repository, microchip, integrated circuit or similar device
in computer equipment or non-computer equipment, whether the property of the Policyholder of the insured or not, do not in and
of themselves constitute an event unless arising out of one or more of the following perils:
fire, lightning, explosion, aircraft or vehicle impact, falling objects, windstorm, hail, tornado, cyclone, hurricane, earthquake,
volcano, tsunami, flood, freeze or weight of snow.
NMA 2912 - 23/11/2000
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
INDUSTRIES, SEEPAGE, POLLUTION & CONTAMINATION EXCLUSION CLAUSE No. 3
This Insurance does not cover any liability for:
i. Personal injury or Bodily injury or loss of, damage to, or loss of use of property directly or indirectly caused by Seepage,
Pollution or Contamination, provided always that this Paragraph (1) shall not apply to liability for Personal injury or Bodily injury
or loss of or physical damages to or destruction of tangible property, or loss of use of such property damaged or destroyed
where such seepage, pollution or contamination is caused by a sudden, unintended and unexpected happening during the
period of this insurance;
ii. The cost of removing, nullifying or cleaning-up seeping, polluting or contaminating substances unless the seepage,
pollution, or contamination is caused by a sudden, unintended and unexpected happening during the period of this insurance;
iii. Fines, Penalties, Punitive or exemplary damages.
This Clause shall not extend this insurance to cover any Liability which would not have been covered under this Insurance had
this Clause not been attached.
(NMA 1685) 22/01/1970
ELECTRONIC DATA ENDORSEMENT B
Electronic Data Exclusion:
Page 29 of 42
Notwithstanding any provision to the contrary within the Policy or any endorsement thereto, it is understood and agreed as
follows:
a. This Policy does not insure loss, damage, destruction, distortion, erasure, corruption or alteration of ELECTRONIC DATA
from any cause whatsoever (including but not limited to COMPUTER VIRUS) or loss of use, reduction in functionality, cost,
expense of whatsoever nature resulting therefrom, regardless of any other cause or event contributing concurrently or in any
other sequence to the loss.
ELECTRONIC DATA means facts, concepts and information converted to a form useable for communications, interpretation or
processing by electronic and electromechanical data processing or electronically controlled equipment and includes
programmes, software and other coded instructions for the processing and manipulation of data or the direction and
manipulation of such equipment.
COMPUTER VIRUS means a set of corrupting, harmful or otherwise unauthorised instructions or code including a set of
maliciously introduced unauthorised instructions or code, programmatic or otherwise, that propagate themselves through a
computer system or network of whatsoever nature. COMPUTER VIRUS includes but is not limited to " Trojan Horses ", " worms
" and " time or logic bombs ".
b. However, in the event that a peril listed below results from any of the matters described in paragraph a) above, this Policy,
subject to all its terms, conditions and exclusions, will cover physical damage occurring during the Policy period to property
insured by this Policy directly caused by such listed peril.
- Listed Perils
- Fire
- Explosion
Electronic Data Processing Media Valuation
Notwithstanding any provision to the contrary within the Policy or any endorsement thereto, it is understood and agreed as
follows:
Should electronic data processing media insured by this Policy suffer physical loss or damage insured by this Policy, then the
basis of valuation shall be the cost of the blank media plus the costs of copying the ELECTRONIC DATA from back-up or from
originals of a previous generation. These costs will not include research and engineering or any costs of recreating, gathering or
assembling such ELECTRONIC DATA. If the media is not repaired, replaced or restored the basis of valuation shall be the cost
of the blank media. However, this Policy does not insure any amount pertaining to the value of such ELECTRONIC DATA to the
Assured or any other party, even if such ELECTRONIC DATA cannot be recreated, gathered or assembled.
NMA 2915
(25/01/2001)
WAR AND TERRORISM EXCLUSION CLAUSE
Notwithstanding any provision to the contrary within this insurance or any endorsement thereto it is agreed that this insurance
excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection
with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss;
Page 30 of 42
War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion,
revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power; or
Any act of terrorism - for the purpose of this endorsement an act of terrorism means an act, including but not limited to the use
of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in
connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes including
the intention to influence any government and/or to put the public, or any section of the public, in fear.
This endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting
from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to (1) and/or (2) above.
If the Insurers allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by this insurance the
burden of proving the contrary shall be upon the Assured.
In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and
effect.
NMA 2919 08/10/2001
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
POLITICAL RISKS EXCLUSION CLAUSE
The following shall be excluded from this Policy:
Any loss or damage occasioned by or through or in consequence, directly or indirectly, of any of the following occurrences,
namely:
1. War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), civil war;
2. Permanent or temporary dispossession resulting from confiscation, commandeering or requisition by any lawfully
constituted authority;
3. Mutiny, Civil Commotion assuming the proportions of or amounting to a popular rising, military rising, insurrection,
rebellion, revolution, military or usurped power, martial law or state of siege or any of the events or causes which determine the
proclamation or maintenance of martial law or stage of siege;
4. Acts of terrorism committed by a person or persons acting on behalf of or in connection with any organisation. For the
purpose of this provision "terrorism" shall mean the use of violence for political ends and shall include any use of violence for the
purpose of putting the public or any section of the public in fear.
In any action, suit or other proceeding in which the insurer alleges that by reason of these provisions any loss or damage is not
covered by this Agreement, the burden of proving that such loss or damage is covered shall be upon the Insured.
SANCTION LIMITATION AND EXCLUSION CLAUSE
No insurer shall be deemed to provide cover and no insurer shall be liable to pay any claim or provide any benefit hereunder to
Page 31 of 42
the extent that the provision of such cover, payment of such claim or provision of such benefit would expose that Insurer to any
Sanction, Prohibition or Restriction under United Nations Resolutions or the Trade or Economic Sanctions, Laws or Regulations
of the European Union, United Kingdom or United States of America.
LMA 3100
15/09/10
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
NMA 1975(A) NUCLEAR ENERGY RISKS EXCLUSION CLAUSE (1984)

(Worldwide Excluding U.S.A and Canada)
This agreement shall exclude Nuclear Energy Risks whether such risks are written directly and/or via pools and/or
Associations.
For the purposes of this agreement Nuclear Energy Risks shall be defined as all first party and or third-party insurance in
respect of:
i. nuclear reactors and nuclear power stations or plant
ii. any other premises or facilities whatsoever related to or concerned with:
a. the production of nuclear energy or
b. the production or storage or handling of nuclear fuel or nuclear waste
iii. any other premises or facilities eligible for insurance by any local Nuclear Pool and/or Association
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
INSTITUTE CYBER ATTACK EXCLUSION CLAUSE
1.1. Subject only to clause 1.2 below, In no case shall this insurance cover loss damage liability or expense directly or
indirectly caused by or contributed to buy or arising from the use or operation, as a means for inflicting harm, of any computer,
computer system, computer software program, malicious code, computer virus or process or any other electronic system.
1.2. Where this clause is endorsed on policies covering risks of war, civil war, revolution, rebellion, insurrection, or civil strife
arising therefrom, or any hostile act by or against a belligerent power, or terrorism or any person acting from a political motive,
Clause 1.1 shall not operate to exclude losses (which would otherwise be covered) arising from the use of any computer,
computer system or computer software program or any other electronic system in the launch and/or guidance system and/or
firing mechanism of any weapon or missile.
(CL 380 10/11/2003)
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
TRANSMISSION AND DISTRIBUTION LINE EXCLUSION CLAUSE
All transmission and distribution lines, including wires, cables, poles, pylons, standards, towers and any equipment of any type
which may be attendant to such installations, including substations of any description. This exclusion includes but is not limited
Page 32 of 42
to transmission or distribution of electrical power, telephone or telegraph signals, and all communication signals whether audio
or visual.
This exclusion applies to above ground equipment which are more than 150 meters (or 500 feet) from an insured structure.
This exclusion applies both to physical loss or damage to the equipment and all business interruption, consequential loss,
and/or other contingent losses related to transmission and distribution line.
It is understood and agreed that public utilities extension and/or suppliers extension and/or contingent business interruption
coverage are not subject to this exclusion, provided that these are not, part of transmitters' or distributors' policy.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
INFECTIOUS OR CONTAGIOUS DISEASES LIABILITY EXCLUSION CLAUSE
The policy exclude absolutely any loss/damage/expense directly or indirectly attributable to or caused by:
a. Infections or contagious disease manifested by any person or group of person within the premises and/or by any past
presence within the premises.
b. Infections or contagious disease caused by/arising from or manifested through any person or group of persons away from the
premises
c. Murder or suicide or pest occurring at the premises.
d. Injury or illness sustained by any person arising from or traceable to foreign injurious matter in the food or drink provided on
the premises.
e. Defects in the drains, ventilation, air conditioning, water supply and any other sanitary arrangements at the premises (except
for physical bodily injuries or material damages sustained out of a physical accident where applicable).
f. Restriction of use of the premises (whether partial or total) by order of the competent public authority following the occurrence
of (a). (b), (c) or (d)
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
CORONAVIRUS EXCLUSION
Your Insurance Policy does not cover any claim in any way caused by or resulting from:
a) Coronavirus disease (COVID-19);

b) Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2);
c) any mutation or variation of SARS-CoV-2;
d) any fear or threat of a), b) or c) above.
This exclusion does not apply to the Employers Liability coverage (where operative).
LMA5391 (amended)
04 March 2020
Page 33 of 42
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
COMMUNICABLE DISEASE EXCLUSION (ABSOLUTE) CANCELLATION AND ABANDONMENT
This insurance does not cover any loss directly or indirectly arising out of, contributed to by, or resulting from:
a) any Communicable Disease or fear or threat thereof (whether actual or perceived),

b) any action taken in controlling, preventing, suppressing or in any way relating to any Communicable Disease or fear or threat
thereof (whether actual or perceived).
Definition:
Communicable Disease means a disease the causative agents of which may pass or be carried from one person or animal to
another person or animal directly or indirectly.
IUA05-006
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
COMMUNICABLE DISEASE ENDORSEMENT

(For use on property policies)
1. This policy, subject to all applicable terms, conditions, and exclusions, covers losses attributable to direct physical loss or
physical damage occurring during the period of insurance. Consequently, and notwithstanding any other provision of this policy
to the contrary, this policy does not insure any loss, damage, claim, cost, expense, or other sum, directly or indirectly arising
out of, attributable to, or occurring concurrently or in any sequence with a Communicable Disease or the fear or threat (whether
actual or perceived) of a Communicable Disease.
2. For the purposes of this endorsement, loss, damage, claim, cost, expense, or other sum, includes, but is not limited to, any
cost to clean-up, detoxify, remove, monitor or test:
2.1. for a Communicable Disease, or

2.2. any property insured hereunder that is affected by such Communicable Disease.
3. As used herein, a Communicable Disease means any disease which can be transmitted by means of any substance or
agent from any organism to another organism where:
3.1. the substance or agent includes, but is not limited to, a virus, bacterium, parasite or other organism or any variation thereof,
whether deemed living or not, and
3.2. the method of transmission, whether direct or indirect, includes but is not limited to, airborne transmission, bodily fluid
transmission, transmission from or to any surface or object, solid, liquid or gas or between organisms, and
3.3. the disease, substance or agent can cause or threaten damage to human health or human welfare or can cause or threaten
damage to, deterioration of, loss of value of, marketability of or loss of use of property insured hereunder.
4. This endorsement applies to all coverage extensions, additional coverages, exceptions to any exclusion and other coverage
grant(s).
All other terms, conditions and exclusions of the policy remain the same.
LMA5393
Page 34 of 42
25 March 2020
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
CIVIL DEFENCE WARRANTY
Warranted that the Insured shall comply with civil defense rules, regulations and instructions in respect of fire safety and
firefighting equipment and have a valid civil defense certificate during the currency of the policy.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
FIRE PREVENTION AND APPLIANCES CLAUSE
It is a condition precedent to any liability of the Company under this insurance that:
a. The premises containing the insured property are fitted with the Fire Extinguishing Appliances and that no withdrawal,
alteration or variation of fire extinguishing appliances or any structural alteration which might affect the fire extinguishing
appliances, shall be made without the consent of the company and it is warranted that the insured will maintain the fire
extinguishing appliances in full working order during the currency of this Insurance.
b. All other protections provided for the safety of the insured property shall be maintained in good working order throughout
the currency of this Insurance and that these shall be maintained in full readiness for effective operation at all times.
c. Immediate advice be given to the company of withdrawal of any Fire Extinguishing Appliance or any other protection.
d. Storage of goods close to fire extinguishing hand appliances, emergency fire exits, and electrical switch/controls/fittings
should be avoided by maintaining a clearance of at least 1 meter.
e. Storage of goods near to walls and roof/ceiling should be avoided by maintaining a clearance of at least 1 meter.
f. Storage of goods near doorways and passage should be avoided.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
BOOKKEEPING ENDORSEMENT
It is condition precedent to the right of the Insured to recover under the within mentioned policy that in the event of a claim
hereunder the Insured shall be able to produce to the Company in support of the claim the following records:
1. Record of all stocks held as at the date of the last stock-taking prior to the date of incident giving rise to a claim.
2. Record of all goods taken into stock since the date of the last stock-taking (This record must be supported by invoices)
3. Record of the detail daily sales whether for cash or otherwise and any other transfer of stock since the date of the last
stock-taking.
The foregoing conditions shall not debar the Company from requiring any further information in connection with a claim made
under the policy.
Subject otherwise to the terms, conditions, and limitations of the said policy.
Page 35 of 42
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
PREMIUM PAYMENT CLAUSE
1. It is a condition of this contract of insurance that the premium due at inception must be paid in favour of M/s. RAK National
Insurance Co (PSC) and received by the company in the following installments:
2. In the event of a claim hereunder which exceeds the installments of premium paid on this Policy, the installments of premium
then outstanding shall become payable forthwith.
3. Notwithstanding any cancellation provision contained within the Policy, in the event that an installment of premium is not paid
by its due date Insurers shall have the right to terminate the cover afforded by the Policy to the Insured and any other party(ies)
protected thereby, whether by endorsement or otherwise, by the giving of not less than thirty (30) days' notice in writing to the
Insured. Notice shall be deemed to commence from the date such notice is given by the Insurers.
4. It is also declared and agreed that where the full premium payable hereunder remains outstanding as at the closure of
business of the insurer on the “due date”, then the cover under this insurance and any obligations assumed including claims if
any or imputed under this insurance shall stand to be cancelled, ceased and revoked immediately, unless otherwise agreed in
writing explicitly “
However, such cancellation shall not prejudice the rights of the insurer (The Company) to invoke any legal defences or to recover
the full or any part of the defaulted premium attributable to the expired period of the insurance.
General Conditions
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
FIRE POLICY
In consideration of the insured paying to the Ras Al Khaimah National Insurance Co. (PSC) the premium mentioned.
The company agrees (subject to the conditions contained herein or endorsed or otherwise expressed hereon which conditions
shall so far as the nature of them respectively will permit be deemed to be conditions precedent to the right of the insured to
recover hereunder) that if after payment of the premium the property insured described hereafter, or any part or such property,
be destroyed or damaged by fire or fighting at any irate during die period of insurance, the company will indemnity the insured
for such destruction or damage.
GENERAL CONDITIONS
1. If there be any materials mis-description of any of the property hereby insured, or of any building or place in which such
property is contained, or any misrepresentation as to any fact material to be known for estimating the risk or any omission to
state such fact, the company shall not be liable upon this policy so far as it relates to property affected by any such
mis-description, misrepresentation or omission.
2. No payment in respect of any premiums shall be deemed to be payment to the company unless a pouted form of receipt
for the same signed by an official or duly appointed agent of the company shall have been given to the insured.
3. The insured shall give notice to the company of any insurance or insurances already effected, or which may subsequently
be effected, covering any of the properly, hereby insured, and unless such notice be given and the particulars of such insurance
Page 36 of 42
or insurances be stated in or endorsed on this policy by or on behalf of the company before the occurrence of any loss or
damage, all benefit under this policy shall be forfeited.
4. All insurance under this policy:
a. On any building or part of any building

b. On any property contained in any building
c. On rent or other subject matter of insurance in respect of or in connection with any building or property contained in any
building.
Shall cease immediately upon any fall or displacement

a. Of such building or any of any part thereof
b. Or the whole or any part thereof
c. Of the whole or any part of any range of buildings or of any structure of which such building forms part
Provided that such fall or displacement is of the whole or a substantial or important part of such building or impairs the
usefulness of such building or any part thereof or leaves such building or any part thereof or any property contained therein
subject to increased risk or fire or otherwise material.
And provided that such fall or displacement is not caused by fire, loss or damage which is covered by this policy or would be
covered if such building, range of building or structure were insured under this policy.
In any action, suit or other proceedings, the burden of proving that any fall or displacement is caused by fire as aforesaid shall
be upon the insured.
5. This insurance does not cover
a. Loss or damage to any electrical machine, apparatus or any portion of the electrical installation arising from or
occasioned by overrunning excessive pressure, short-circuiting, arcing, self- heating or leakage of electricity from whatever
cause (lighting included) arising provided that this exemption only applies to the particular electrical machine, apparatus or
portion of electrical installation so affected and not to other machines, apparatus or electrical installations destroyed or
damaged by fire set up by such particular machine apparatus or other installation.
b. Loss by theft during or after the occurrence of a fire
c. Loss or damage to property occasioned by its own fermentation, natural heating or spontaneous combustion (except as
may be provided in accordance with condition 7 f) or by its undergoing any heating or driving process
d. Loss or damage occasioned by or through or in consequence of
- The burning of property by order of any public authority
- Subterranean fire
6. This insurance does not cover any loss or damage which either in origin or extent is directly or indirectly, proximately or
remotely occasioned by or conditioned to by any of the following occurrences, of which, either in origin or extent directly or
indirectly, proximately or remotely arises out of or in connection with any of such occurrences, namely
a. Earthquake, volcanic eruption, typhoon, hurricane, tornado, cyclone, or other convulsion of nature or atmospheric
disturbance.
b. War, invasion, act of foreign enemy, hostilities or warlike operations (whither was be declared or not), mutiny riot, civil
commotion, insurrection, rebellion, revolution, conspiracy, military or usurped power, material law or state of siege or any of the
events or causes which determine the proclamation or maintenance of material law or state of proclamation or maintenance or
Page 37 of 42
material law or state of siege.
Any loss or damage happening during the existence of abnormal conditions (whether physical or otherwise), directly or
indirectly, proximately or remotely, occasioned by or contributed to by or arising out of or in connection with any of the said
occurrence shall be deemed to be loss or damage which is not covered by this insurance, except to the extent that the insured
shall prove that such loss or damage happened independently of the existence of such abnormal conditions. Any action, suit or
other proceedings, where the company alleges that by reason of the provisions of this condition any loss or damage is not
covered by this insurance, the burden of proving that such loss or damage is covered shall be upon the insured.
7. Unless otherwise expressly stated in the policy this insurance does not cover.
a. Goods held in trust or on commission

b. Bullion or inset precious stones
c. Any curiosity or work of all for an amount exceeding the equivalent of ? 20 (twenty pounds sterling)
d. Manuscripts, plans, drawings or designs patterns, models or moulds
e. Securities, obligations, or documents of any kind, stamps, coined or paper money, cheques, books of account or other
business books.
f. Coal, against loss or damage occasioned by its own spontaneous combustion.
g. Explosives
h. Any loss or damage occasioned by or through or in consequence of explosion, but loss or damage by explosion of gas
used for illuminating for domestic purposes in a building in which gas is not generated and which does not form part of any gas
works, will be deemed to be loss by fire, within the meaning of this policy
i. Any loss or damage occasioned by or through or fit consequence of the burning, whether accidental or otherwise, of
forests, bush, prairie, pampas or jungle, and the clearing of lands by fire.
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
8. Under any of the following circumstances, the insurance ceases to attach as regards the property affected unless the
insured, before the occurrence of any loss or damage, obtains the sanction of the company signified by endorsement upon the
policy, by or on behalf of the company.
a. If the trade or manufacture carried on be altered, or if the nature of the occupation of or other circumstance affecting the
building insured or containing the insured property be changed in such a way as to increase the risk of loss or damage by fire.
b. If the building insured or containing the insured property become unoccupied and no remain for a period of more than 30
days.
c. If property insured by removed to any building or place other than in which it is herein stated to be insured.
d. If the interest in the property insured pass from the insured otherwise than by will or operation of law.
9. This insurance does not cover any loss or damage to properly which at the time of the happening of such loss or damage,
is insured by or would, but for the existence of this policy, be insured by any marine policy or policies except of any excess
beyond the amount which would have been payable under the marine policy or policies had this insurance not been effected.
10. 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 notice to that effect being given to the insured, in which case the company shall be liable to repay on
demand rateable proportion of the premium for the unexpired term from the date of the cancellation.
11. On the happening of any loss or damage the insured shall forthwith give notice thereof to the company, and shall within 15
days after the loss or damage or such further time as the company may in writing allow in that behalf, deliver to the company:
Page 38 of 42
a. A claim in writing for the loss and damage containing as particular an account as may be reasonably practicable of all the
several articles or items of property damaged 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 given to the company all such further particulars
plans, specifications, books, vouchers, invoices, duplicates or copies thereof, documents, proofs and information with respect 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 the liability of the company as may be reasonably required by or on behalf of the company
together with a declaration on oath or in order legal form of the truth of the claim and of any matters connected therewith.
No claim under this policy shall be payable unless the terns of this conditions have been compiled with.
12. On the happening of any loss or damage to any of the property insured by this policy, the company may:
a. Enter and take and keep possession of the building or premises where the loss or damage has happened
b. Take possession of or require to be delivered to it any property of the insured in the building or on the premises at the
time of the loss or damage.
c. Keep possession of any such property and examine, sort, arrange, remove, or otherwise deal with the same.
d. Sell any such property or dispose of the same for account of whom it may concern.
The powers conferred by this condition shall be exercisable by the company at any time until notice in writing is given by the
insured that he makes no claims under the policy, or if any claim is made, until such claim is finally determined or withdrawn,
and the company shall not by any act done in the exercise or purported exercise of its powers hereunder, incur any liability to
the insured or diminish it’s to rely upon any of the conditions of this policy in answer to any claim.
If the insured or any person on his behalf shall not be comply with the requirements of the company or shall hinder or obstruct
the company in the exercise of its power hereunder all benefit under dis policy shall be forfeited.
The insured shall not in any case be entitled to abandon any property to the company whether taken possession of by the
company or not.
13. If the claim be in any respect fraudulent or if any false declaration be made or used in support thereof, or if any one acting
on his behalf to obtain any benefit under this policy; or, if the loss or damage be occasioned by the wilful act or with the
connivance of the insured: or, if the claim be made and rejected and an action or suit be not commenced within three months
after such rejection, or (in case of an arbitration taking place in pursuance of the 18th condition of this policy) within three
months after the arbitrator or arbitrators or umpire shall have made their award, all benefit under this policy shall be forfeited.
14. The company may at its option reinstate or replace the property damaged or destroyed, or any part thereof, instead of
paying the amount of loss or damage, or may join with any other company shall not be bound to reinstate exactly or
completely, but only as circumstances permit and is reasonably sufficient manner, and in no case shall unable to reinstate or
repair the property hereby insured, because of any municipal or other regulations in force affecting the alignment of streets, or
the construction of building, or otherwise, the company shall, in every such case, only be liable to pay such sum as would be
requisite to reinstate or repair such property if the same could lawfully be reinstated to its former condition.
15. The insured shall, at the expense of the company, do and concur in doing, and permit to be done, all such acts and things
as may be necessary or reasonably required by the company for the purpose of enforcing any rights and remedies, or of
obtaining relief or indemnity from other parties to which the company shall be or would become entitled or subrogated, upon its
paying for or making good any loss or damage under this policy, whether such acts and things shall be or become necessary or
Page 39 of 42
required before or after his indemnification by the company.
16. If at the time, of any loss or damage happening to any property hereby insured, there be any other subsisting insurance or
insurances, whether effected by the insured or by any other person or persons, covering, the same property, this company shall
not be liable to pay or contribute more than its rateable proportion of such loss or damage.
17. If the property hereby insured shall, at breaking out of any fire, be collectively, of greater value than the sun insured thereon,
then the insured shall be considered as being own insurer for the difference and shall bear a rateable proportion of the loss
accordingly. Every item, if more than one, of the policy shall be separately subject to this condition
18. All differences arising out of this policy be referred to the decision of an arbitrator, to be appointed in writing by the parties
in difference, or, if they cannot agree upon a single arbitrator, to the decision of two disinterested persons or arbitrators,, of
whom one shall be appointed in writing by each of the parties within two calendar months after having been required so to do in
writing by the other party. In case either party shall refuse or fail to appoint an arbitrator within two calendar months after receipt
of notice in writing requiring an appointment, the other party shall be at liberty to appoint a sole arbitrator: and in case of
disagreement between the arbitrators, the difference shall be referred to the decision of an umpire who shall have been
appointed by them in writing before entering on the reference and who shall sit with the arbitrators and preside at their meetings.
The death of any party shall not revoke or affect the authority or powers of the arbitrator, arbitrators or umpire respectively, and
in the event of the death of an arbitrator or umpire, another shall in each case be appointed in his stead by the party or
arbitrators (as the case may be) by whom the arbitrator, or umpire so dying was appointed.
The costs of the reference and of the award shall be in the discretion of the arbitrator, arbitrators or umpire making the award.
And it is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this
policy that the award by such arbitrator, arbitrators or umpire shall be first obtained.
19. In no case whatever shall the company be liable for any loss or damage after the expiration of twelve months from the
happening of the loss or damage unless the claim is the subject of pending action or arbitration.
20. Every notice and other communication to the company required by these conditions must be written or printed.
Signed for and on behalf of : : ‫التوقيع بالنيابة عن‬
Ras Al Khaimah National Insurance Company. ‫شركة رأس الخيمة الوطنية للتأمين‬
Page 40 of 42
Authorised Signatory : ‫التوقيع المعتمد‬
Date : 05-Aug-2022 05-Aug-2022 : ‫التاريخ‬
Company Seal : : ‫ختم الشركة‬
Page 41 of 42
Dear Customer, :‫عزيزي العميل‬
Thank you for choosing RAK Insurance as your preferred insurance provider. .‫نشكركم على اختيار شركة راك للتأمين لتكون شركة التأمين المفضلة لكم‬
Attached are your policy documents. Please read the documents very carefully
and keep them in a secure place. These documents consist of the policy itself or an ‫ تتألف هذه‬.‫ الرجاء قرائتها بإمعان والحتفاظ بها‬.‫تجدون في المرفق مستندات الوثيقة الخاصة بكم‬
endorsement to your existing policy, the schedule and our debit note for the total ‫ الجدول الزمني وإشعار الخصم على‬،‫المستندات من الوثيقة الساسية أو التعديلت على الوثيقة السابقة‬
.‫ لدينا عدد من الخيارات المتاحة لدفع إشعار الخصم كما هو مبين أدناه‬.‫المبلغ الجمالي لقسط التأمين‬
premium payment. For payment of the debit note, we have a number of payment
options and they are listed below.
"‫لقد قمنا بإرفاق صفحة واحدة عنوانها " توقيع و إعادة إرسال‬
We have also enclosed one page marked “Sign and Return”.
‫يجب توقيع هذه الصفحة من قبل الشخص المخول و إعادتها الى شركة راك للتأمين أو للوسيط عبر‬
This page should be signed by an authorized person and returned to either RAK ‫ الرجاء التصال بنا في حال وجود أي مشكلة في‬.‫اليميل أو البريد أو زيارة أقرب فرع لشركتنا‬
Insurance or your broker by email, post or you can visit us at any one of our ‫ ونحن سنتولى‬،‫ أو وجود أي أسئلة بخصوص المستندات المرفقة‬-‫ الغير محتمل حدوثه‬-‫مستندات الوثيقة‬
branches. In the unlikely event that there is an issue with any of your policy .‫ يجب إخطارنا كتابيا و فورا إذا كنت ترغب بإضافة أي تعديل على الوثيقة وذلك لتفعيل التغطية‬.‫حلها‬
documents or should you have any questions regarding any of the enclosed
documents, please contact us and we will endeavor to resolve the issue. If you wish
to make an amendment to your policy, you must notify us immediately, in writing
for the cover to operate.
،‫( عشرة أيام من تاريخ استلم هذه المراسلت‬10) ‫في حال لم نستلم أي ملحظات على الوثيقة خلل‬
If we do not receive any comments from you pertaining to the policy within (10) ‫سيتم اعتبار معلومات و أحكام وشروط الوثيقة صحيحة ودقيقة والهم من كل ذلك سيتم اعتبارها‬
ten days from the date of this correspondence, it will be deemed that all information, .‫مقبولة من قبلكم‬
terms and conditions concerning the policy are correct, accurate and most
importantly accepted by you.
:‫خيارات الدفع‬
:‫ للدفع عن طريق الشيك‬-
Payment Options
‫يجب إصدار جميع الشيكات لصالح شركة رأس الخيمة للتأمين‬
For Cheque Payments - All Cheques should be issued in favour of:
RAS AL KHAIMAH NATIONAL INSURANCE COMPANY (PSC) :‫ للدفع عن طريق بطاقة الئتمان‬-
‫ تقديم طلب للحصول على‬info@rakinsurance.com ‫إرسال إيميل على العنوان التالي‬
For Credit Card Payments - Email us at info@rakinsurance.com to request our ‫ الرجاء عدم إرسال تفاصيل بطاقة الئتمان‬- ‫نموذج الدفع بواسطة بطاقة الئتمان عبر النترنت‬
online credit card payment form - Please DO NOT send your credit card details to .‫الخاصة بكم إلى هذا العنوان‬
this email address :‫ للتحويل البنكي‬-
For Bank Transfers - ‫ راك بنك‬/‫ بنك رأس الخيمة الوطني‬:‫اسم البنك‬
Bank Name: RAK BANK / National Bank of Ras Al Khaimah (PSC) ‫ شركة رأس الخيمة الوطنية للتأمين‬:‫اسم الحساب‬
Account Name: Ras Al Khaimah National Insurance Co. PSC 001-65157-00220:‫رقم الحساب‬
Account Number: 00220-65157-001 ‫ رأس الخيمة‬:‫الفرع‬
Branch Name: Ras Al Khaimah 5300 ‫صندوق بريد‬- ‫شارع عمان‬-‫ رأس الخيمة‬- ‫ المارات العربية المتحدة‬:‫العنوان‬
Bank Address: P.O. Box 5300, Oman St., Al Nakheel, RAK, UAE NRAKAEAK :‫رمز السويفت‬
Bank SWIFT Code: NRAKAEAK AE310400000022065157001 :‫رمز اليبان‬
IBAN: AE310400000022065157001
،‫تفضلوا بقبول فائق الحترام‬
Yours sincerely,
‫راك للتأمين‬
RAK Insurance
Page 42 of 42

Policy - Fir 2022 - Al Nisr Al Thahabi Lubricants Oil Ind. LLC

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Policy Schedule-FIRE & ALLIED PERILS

1/ Location 1:AL NISR AL THAHABI LUBRICANTS- Industrial Area 2, Sajja, Sharjah

Description Sum Insured

On Machinery & Equipment (New Replacement Value) 2,500,000.00

On Loss of Rent - Annual 150,000.00

On Stock in trade (Lubricants & oil) 5,000,000.00

Total Sum Insured (‫) المجموع‬ 8,850,000.00

On loss of rent - 12 months 80,000.00

Description Sum Insured

On Stock in trade (Lubricants& oil): AED 2,500,000 2,580,000.00

Choice of Law and Jurisdiction

1. Any kind of Third-Party Liability absolutely

Premium Payment Warranty

Material Alteration Clause

ANNEX EXTENDED PERILS

1. BURSTING OR OVERFLOWING OR LEAKAGE OF PIPES OR APPARATUS EXTENSION CLAUSE

a. Automatic sprinkler installation and

This extension does not cover:

a. As a result of repairs to or renewal or extension of Water Pipes and Apparatus,

3. Loss or damage directly or indirectly

a. Caused by earthquake, subsidence or landslip

2. STRIKES, RIOTS & CIVIL COMMOTION

Loss or damage occasioned by cessation of work.

Loss or damage caused by acts of terrorists, marauders, infiltrators, and/or saboteurs.

ELECTRONIC DATA RECOGNITION ENDORSEMENT C (XLEDRC)

b. liability for actual or alleged bodily injury;

3. For the purposes of 2. above, tangible property shall not include:

a. any data or embedded programming however stored or conveyed;

3. STORM AND TEMPEST EXTENSION CLAUSE

This extension does not cover:

3. Less or damage directly or indirectly

a. Caused by earthquake, subsidence or landslip.

4. Consequential loss of any kind or description

4. FLOOD EXTENSION CLAUSE

a. Flood, which shall mean:

1. This insurance by this extension does not cover:

i. Loss or damage occasioned by delay, deterioration and/ or loss of market,

5. STANDARD EXPLOSION ENDORSEMENT

6. AIRCRAFT EXTENSION CLAUSE

7. EARTHQUAKE, EXTENSION CLAUSE

8. IMPACT EXTENSION CLAUSE

9. MALICIOUS DAMAGE ENDORSEMENT

10. WATER DAMAGE CLAUSE

c. Flood which shall mean:

1. The insurance by this extension does not cover:

i. Loss or damage occasioned by delay, deterioration and/or loss of market;

vi. Unwrought gold;

11. SPRINKLER INOPERATIVE CLAUSE

12. SPRINKLER LEAKAGE

Provided that this extension does not cover:

a. Loss or damage caused by the discharge of water occasioned by or happening through

i. Repairs or alterations to the premises

b. Damage to the Automatic Sprinkler Installations

13. BURGLARY, ROBBERY or THEFT CLAUSE

Provided that this extension shall not cover:

14. SMOKE DAMAGE CLAUSE

Subject otherwise to the terms exceptions and conditions of this policy

15. GLASS BREAKAGE

Provided always that the Company shall not be liable for: