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1、PICC Property and Casualty Company LimitedAdditional Clauses for Business Interruption InsuranceThe following clauses are the Additional Clauses for Business Interruption Insurance Policy (2009 Version), which is hereinafter called Policy. The terms , conditions and exclusions of the Policy shall ap
2、ply except to the extent that they are expressly varied by the Additional Clauses. Any one of the Additional Clause(s) could be chosen by the Applicant to be attached to and forming part of the Policy.1. Extension ClausesK01. Scope of Cover ( A)K06. Denial of Access (A)K07. Denial of Access (B)K08.
3、Murder, Infectious Disease, and Food Contamination Extension(A)K09. Murder, Infectious Disease, and Food Contamination Extension(B)K10. Murder, Infectious Disease, and Food Contamination Extension(C)K11. Infectious Disease ExtensionK12. Closure of Operation FacilityK13. Public Utilities Extension (A
4、)K14. Public Utilities Extension ( B)K15. Loss of Book DebtsK16. Suppliers Extension ( A)K20. Customers/Suppliers /ContractorsK21. Unnamed Suppliers/CustomersK22. Bomb Scare (only applied to PDBI)K23. Government action (Not exceeding _ consecutive weeks)K24. Public Authority ExtensionK33. Department
5、al extensionK34. Auditor 'FesesK35. Accountant s/'Auditor 's FeesK36. Errors & Omissions ( A)K37. Errors & Omissions ( B)2. Restriction ClausesX01. War and Terrorism ExclusionX02. IT ClarificationX03. Total Asbestos ExclusionX04. Mold & Fungi ExclusionX05. Y2K EXCLUSION CLAUS
6、E3. Clarification ClausesG01. DesignationG02. Premium AdjustmentG03. Premium AdjustmentG04. Increase in Cost of WorkingG05. OutputG06.New BusinessG07. Monthly Payment on AccountG08. Payment on AccountG09. Gross Profit Difference BasisG13. Inclusion of All TurnoverG14. Uninsured Standing ChargesG15.
7、Accumulated StocksG16. Breach of Condition and WarrantyG21. Automatic Reinstatement of Sum InsuredG22. _Days ' CancellationG23. _Days ' Notify Cancetiollan or Refuse to RenewalG24. Nomination of Loss AdjusterG28. Co-InsuranceG32. Waiver of Subrogation (A)1. Extension ClausesK01. Scope of Cov
8、er( A)It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, the Insurer shall indemnify the Insured in respect of loss of Gross Profit resulting from interruption of or interference with the business at the premises in consequence of physical damage to
9、 the property used in business operation caused by perils or hazards covered under the Physical Damage Insurance during the period of insurance.Provided that the Insurer shall not be liable for any loss due to causes as following:1. willful act and/or gross negligence of the Applicant and/or the Ins
10、ured; and/or2. earthquake or tsunami and/or secondary disasters so caused; and/or3. strike, riot, civil commotion, malicious damage an/or act of terrorism; and/or4. confiscation, temporary or permanent requisition by order of the government de jure or de facto or by any public authority; and/or5. nu
11、clear radiation, nuclear fission, nuclear fusion, nuclear pollution or contamination and other radioactive pollution or contamination; and/or6. pollution of atmosphere, soil, water and other non-radioactive pollution; and/or7. other exclusions which agreed by the Insurer and the Insured.This Clause
12、is subject otherwise to the terms, Conditions and Exclusions of this Policy.K06. Denial of Access (A)It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, loss as insured by this Policy resulting from interruption of or interference with the business i
13、n consequence of the damage (as within define) to property in the vicinity of the Premises which shall prevent or hinder the use thereof of access thereto, whether the Premises or property of the Insured therein shall be damaged or not, shall be deemed to be loss resulting from damage to property us
14、ed by the Insured at the Premises.This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K07. Denial of Access (B)It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, loss as insured by this Policy resulting from inter
15、ruption of or interference with the business in consequence of the damage (as within define) to property in the vicinity of the Premises which shall prevent or hinder the use thereof of access thereto, whether the Premises or property of the Insured therein shall be damaged or not, shall be deemed t
16、o be loss resulting from damage to property used by the Insured at the Premises.Provided, however, that the Insurer shall not be liable for any loss if the aforesaid prevention of the use of the premise or the hinder of the access thereto is contributed to the failure of gas and/or water supply in t
17、he vicinity of Insured premises resulting from the property damage thereof.The indemnity limit under this clause shall not exceed the relevant sub limits stated in the Policy.This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K08. Murder, Infectious Disease, and
18、Food Contamination Extension Clause (A)It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, this Policy is extended to cover loss as insured hereunder resulting from interruption of or interference with the Business carried on by the Insured at the Pr
19、emises in consequences of:1. Murder or suicide occurring at the Premises stated in the Policy;2. Closure &/or quarantine of the Premises stated in the Policy by order of a competent public authority due to Notifiable Infectious Disease manifested by any person at the Premises;3. Closing of the w
20、hole or part of the premises by order of a competent pulblic authority consequent upon defects in the drains and other sanitary facilities at the Premises stated in the Policy.4. Injury or illness sustained by any guest arising from spoilage of or infectious matter in food or drinks provided at the
21、Premises stated in the Policy.In respect of each and every occurrence of the damage giving rise to a claim under this Clause, the Insurer shall not be liable for the first seventy-two (72) hours of such loss.It is a condition precedent to any liability of the Insurer that the Insured shall observe a
22、nd fulfill relevant laws, regulations and requirements on security, sanitation and health, and shall exercise due diligence to avoid the occurrence of the contingencies aforementioned.The indemnity limit under this clause shall not exceed the relevant sub limits stated in the Policy.This Clause is s
23、ubject otherwise to the terms, conditions and exclusions of this Policy.K09. Murder, Infectious Disease, and Food Contamination Extension(B)It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, this Policy is extended to cover loss as insured hereunder
24、 resulting from interruption of or interference with the Business carried on by the Insured at the Premises in consequences of:1. The cancellation of or inability to accept bookings for accommodation at the premises as a result of an outbreak of an infectious or contagious disease occurring at the P
25、remises;2. Murder or suicide occurring at the Premises;3. Injury or illness sustained by any guest arising from spoilage of or infectious matter in food or drinks provided at the Premises;4. Closing of the whole or part of the Premises by order of a competent public authority consequent upon defects
26、 in the drains and other sanitary facilities at the Premises.It is a condition precedent to liability on the part of the Insurer that the Insured shall make sure every article is appropriately used and shall exercise due diligence to avoid the occurrence of the contingencies aforementioned.The indem
27、nity limit under this clause shall not exceed _.This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K10. Murder, Infectious Disease, and Food Contamination Extension(C)It is agreed and understood that, subject to the Applicant having paid the agreed additional pre
28、mium, this Policy is extended to cover loss as insured hereunder resulting from interruption of or interference with the Business carried on by the Insured at the Premises in consequences of:1. The cancellation of or inability to accept bookings for accommodation at the premises as a result of an ou
29、tbreak of an infectious or contagious disease occurring at the Premises;2. Murder or suicide occurring at the Premises;3. Injury or illness sustained by any guest arising from spoilage of or infectious matter in food or drinks provided at the Premises;4. Closing of the whole or part of the premises
30、by order of a competent public authority consequent upon defects in the drains and other sanitary facilities at the Premises.In respect of each and every occurrence of the damage giving rise to a claim under this Clause, the Insurer shall not be liable for the first three (3) days of such loss.It is
31、 a condition precedent to liability on the part of the Insurer that the Insured shall make sure every article is appropriately used and shall exercise due diligence to avoid the occurrence of the contingencies aforementioned.This Clause is subject otherwise to the terms, conditions and exclusions of
32、 this Policy.K11. Infectious Disease ExtensionIt is agreed and understood that, subject to the Applicant having paid the agreed additional premium, this policy is extended to cover loss resulting from interruption of or interference with the business as the direct and sole result of Notifiable Infec
33、tious Disease manifested by any person at the Insured Premises which results in the total closure &/or quarantine of the Insured Premises by order of a competent government authority.For the purpose of thisinsurance, Notifiable Infectious Disease means illness sustained byany person resulting fr
34、om any human infectious or human contagious disease (excluding Acquired Immune Deficiency Syndrome (AIDS), the outbreak of which should be notified to the competent public authorities.For the purpose of this insurance ,(1)Indemnity Period means the period during which the results of the business sha
35、ll be affected in consequence of the Notifiable Infectious Disease, beginning with effective date of the order issued by the competent government authority and ending not later than the Maximum Indemnity Period thereafter.(2) Notwithstanding any provision to the contrary within any other additional
36、clauses or endorsements thereto , it is agreed that this insurance shall only be liable forinterruption of orinterference with the Insured 's business as a result of an insured event occurred within the locations as specified in the schedule , wherein the insured carries on his business .Provide
37、d that the Insurers' liability under this extension shall not exceed _ per occurrence forall insured parties in respect of all premises stated in the policy and _in aggregate under thisextension during any one period of insurance and subject to the time excess of this policy.Occurrence means a l
38、oss or series of loss arising out of the event of Notifiable Infectious Disease occurring during the period of insurance.This Clause is subject otherwise to other terms and conditions of this Policy.K12. Closure of Operation FacilityIt is agreed and understood that, subject to the Applicant having p
39、aid the agreed additionalpremium, any loss resulting from interruption of or interference withthe Insured 's business dueto shut-down of operation facilityby order of the Health Authorities as a result of food spoilageor contamination, shall be considered as the loss resulting from the physical
40、damage to the insured property, regardless whether the insured property are damaged or not.For the purpose of this extension, Indemnity Periodmeans the period during which the resultsof the business shall be affected, beginning with 72 hours after the occurrence of the loss and ending not later than
41、 12 months thereafter.It is a condition precedent to liability on the part of the Insurer that the Insured shall make sure every article is appropriately used and shall exercise due diligence to avoid the occurrence of the contingencies aforementioned.This Clause is subject otherwise to the terms, c
42、onditions and exclusions of this Policy.K13. Public Utilities ExtensionIt is agreed and understood that, subject to the Applicant having paid the agreed additional premium, loss as insured by this Policy resulting from interruption of or interference with the Business carried on by the Insured at th
43、e Premises in consequence of failure of electricity, gas or water supply at the terminal ends of the electricity service feeders/Gas Works/Water Works from which the Insured obtained electric supply/Gas/water at the Premises directly due to the damage (as within defined) to property at an Electricit
44、y Station or Sub-station of Public Electricity Supply Undertaking from which the Insured obtained electric supply/Gas/water shall be deemed to be loss resulting from the damage to property used by the Insured at the Premises.Provided, however, that the Insurer shall not be liable for any loss occasi
45、oned by the deliberate act of the Government, Municipal or Local Authority or Supply Authority not performed for the sole purpose of safeguarding life or protecting any part of the supply undertaking's system or by the exercise by any such authority of its power to withhold or restrict or ration
46、 supply not necessitated solely by the damage to the supply undertaking's generating or supply equipment by an insured perils.For the purpose of the this insurance , the Indemnity Period in respect of each damage or of series of damages consequent on or attributable to one source or original cau
47、se shall be as follows:The period beginning with the occurrence of the damage and ending not later than sixty (60) days thereafter during which the result of the business shall be affected in consequence of the damage.Provided that the Insurer shall not be liable for any loss unless the duration of
48、each such failure exceeds twenty-four (24) hours and the Insurer shall not be liable for any loss for the first twenty-four (24) hours of each such failure.In any action, suit or other proceedings where the Insurer alleges that by reason of the provisions of this condition any loss or damage is not
49、covered by this insurance, the burden proving that this loss or damage is covered shall be upon the Insured.This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K14. Public Utilities Extension ( B)It is hereby agreed and understood that, subject to the Applicant having paid the agreed additional premium, the Insurer shall indemnify the