营业中断险附加险条款(英文).doc

PICC Property and Casualty Company LimitedAdditional Clauses for Business Interruption Insurance The following clauses are the Additional Clauses for Business Interruption Insurance Policy (2009 Version), which is hereinafter called Policy. The terms , conditions and exclusions of the Policy shall apply except to the extent that they are expressly varied by the Additional Clauses. Any one of the Additional Clause(s) could be chosen by the Applicant to be attached to and forming part of the Policy.1. Extension ClausesK01. Scope of Cover （A）K06. Denial of Access (A)K07. Denial of Access (B) K08. Murder, Infectious Disease, and Food Contamination Extension (A)K09. Murder, Infectious Disease, and Food Contamination Extension (B)K10. Murder, Infectious Disease, and Food Contamination Extension (C)K11. Infectious Disease Extension K12. Closure of Operation Facility K13. Public Utilities Extension (A)K14. Public Utilities Extension （B）K15. Loss of Book Debts K16. Suppliers Extension ( A)K20. Customers/Suppliers /Contractors K21. Unnamed Suppliers/Customers K22. Bomb Scare (only applied to PDBI) K23. Government action (Not exceeding _ consecutive weeks) K24. Public Authority ExtensionK33. Departmental extension K34. Auditors Fees K35. Accountants/Auditors Fees K36. Errors & Omissions （A）K37. Errors & Omissions （B）2. Restriction ClausesX01. War and Terrorism Exclusion X02. IT Clarification X03. Total Asbestos ExclusionX04. Mold & Fungi ExclusionX05. Y2K EXCLUSION CLAUSE 3. Clarification ClausesG01. Designation G02. Premium Adjustment G03. Premium Adjustment G04. Increase in Cost of Working G05. Output G06.New Business G07. Monthly Payment on Account G08. Payment on Account G09. Gross Profit Difference BasisG13. Inclusion of All Turnover G14. Uninsured Standing Charges G15. Accumulated Stocks G16. Breach of Condition and Warranty G21. Automatic Reinstatement of Sum Insured G22. _Days Cancellation G23. _Days Notify Cancellation or Refuse to Renewal G24. Nomination of Loss Adjuster G28. Co-Insurance G32. Waiver of Subrogation (A)1. Extension ClausesK01. Scope of Cover（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 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 Insured; and/or2. earthquake or tsunami and/or secondary disasters so caused; and/or3. strike, riot, civil commotion, malicious damage an/or act of terrorism; and/or4. confiscation, temporary or permanent requisition by order of the government de jure or de facto or by any public authority; and/or5. nuclear radiation, nuclear fission, nuclear fusion, nuclear pollution or contamination and other radioactive pollution or contamination; and/or6. pollution of atmosphere, soil, water and other non-radioactive pollution; and/or7. other exclusions which agreed by the Insurer and the Insured.This Clause is 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 in consequence of the damage (as within define) to property in the vicinity of the Premises which shall prevent or hinder the use thereof of access thereto, whether the Premises or property of the Insured therein shall be damaged or not, shall be deemed to be loss resulting from damage to property used 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 interruption of or interference with the business in consequence of the damage (as within define) to property in the vicinity of the Premises which shall prevent or hinder the use thereof of access thereto, whether the Premises or property of the Insured therein shall be damaged or not, shall be deemed to be 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 the 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 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 Premises in consequences of:1. Murder or suicide occurring at the Premises stated in the Policy;2. Closure &/or quarantine of the Premises stated in the Policy by order of a competent public authority due to Notifiable Infectious Disease manifested by any person at the Premises;3. Closing of the whole or 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 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 and 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 subject 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 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 Premises;2. Murder or suicide occurring at the Premises;3. Injury or illness sustained by any guest arising from spoilage of or infectious matter in food or drinks provided at the Premises;4. Closing of the whole or part of the Premises by order of a competent public authority consequent upon defects 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 indemnity 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 premium, this Policy is extended to cover loss as insured hereunder resulting from interruption of or interference with the Business carried on by the Insured at the Premises in consequences of:1. The cancellation of or inability to accept bookings for accommodation at the premises as a result of an outbreak of an infectious or contagious disease occurring at the Premises;2. Murder or suicide occurring at the Premises;3. Injury or illness sustained by any guest arising from spoilage of or infectious matter in food or drinks provided at the Premises;4. Closing of the whole or part of the premises by order of a competent public authority consequent upon defects in the drains and other sanitary facilities at the Premises.In respect of each and every occurrence of the damage giving rise to a claim under this Clause, the Insurer shall not be liable for the first three (3) days of such loss.It is a 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 this Policy.K11. Infectious Disease Extension It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, this policy is extended to cover loss resulting from interruption of or interference with the business as the direct and sole result of Notifiable Infectious Disease manifested by any person at the Insured Premises which results in the total closure &/or quarantine of the Insured Premises by order of a competent government authority.For the purpose of this insurance, Notifiable Infectious Disease means illness sustained by any person resulting from 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 shall 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 clauses or endorsements thereto , it is agreed that this insurance shall only be liable for interruption of or interference with the Insureds business as a result of an insured event occurred within the locations as specified in the schedule , wherein the insured carries on his business .Provided that the Insurers liability under this extension shall not exceed _ per occurrence for all insured parties in respect of all premises stated in the policy and _ in aggregate under this extension during any one period of insurance and subject to the time excess of this policy.Occurrence means a loss 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 Facility It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, any loss resulting from interruption of or interference with the Insureds business due to shut-down of operation facility by order of the Health Authorities as a result of food spoilage or contamination, shall be considered as the loss resulting from the physical damage to the insured property, regardless whether the insured property are damaged or not. For the purpose of this extension, Indemnity Period means the period during which the results of the business shall be affected, beginning with 72 hours after the occurrence of the loss and ending not later than 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, conditions and exclusions of this Policy.K13. Public Utilities Extension 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 carried on by the Insured at the 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 Electricity 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 occasioned 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 undertakings system or by the exercise by any such authority of its power to withhold or restrict or ration supply not necessitated solely by the damage to the supply undertakings 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 cause 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 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 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 Insured for the loss resulting from interruption of or interference with the Business carried on by the Insured at the premises stated in the Policy in consequence of failure of gas or water supply at the terminal ends of the Gas Works/Water Works from where the Insured obtained gas/water supply, if such failure is directly due to the physical damage (as within defined) to property therein.For the purpose of this insurance, maximum indemnity period in respect of each occurrence shall be sixty (60) days since the date of such failure.The limit of indemnity under this clause shall be determined by the Applicant and specified in the Policy. The limit of indemnity shall not exceed:_ In no case shall the insurer be liable for any loss occurred in the first twenty-four(24) hours of each such failure covered herein This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K15. Loss of Book Debts It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, within the respective limits of sums insured under this Policy, in the event of the records of accounts receivable kept on the premises being lost, destroyed or damaged by any of the perils insured against under this Policy the Insurer shall indemnify the Insured in respect of: 1) all sums due to the Insured from customers, provided the Insured is unable to effect collection thereof as a direct result of such loss, 2) any collection expense in excess of normal collection cost and made necessary because of such loss, 3) auditors charges necessarily and reasonably incurred in substantiating any claim under this extension Provided that the Insured can substantiate the loss by documentary evidence by an Auditor and the Insurers maximum liability under this extension shall not exceed_. This extension applies only with respect to loss of or damage to records of accounts receivable and occurring during the period of insurance. This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K16. Suppliers Extension （A）It is agreed and understood that, subject to the Applicant having paid the agreed additional premium, loss as insured by this Policy resulting from interruption of or interference with the business in consequence of the property damage at the premises of the suppliers of the Insured, which leads to the suppliers failure to provide the raw materials, commodities or goods in process necessarily for the Insureds business, shall be deemed to be loss resulting from damage to property used by the Insured at the premises, and the Insurer shall be liable for such loss subject to the conditions of this Policy.For the purpose of this insurance ,Supplier means any individual ,firm ,company, corporati