营业中断险附加险条款

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.Murder,

3、 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)K14.Public U

4、tilities 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.Departmental extensionK34.Auditor s

5、FeesK35.Accountant s/AuditorsFeesK36.Errors & Omissions（ A）K37.Errors & Omissions（ B）2.Restriction ClausesX01. War and Terrorism ExclusionX02. IT ClarificationX03. Total Asbestos ExclusionX04. Mold & Fungi ExclusionX05. Y2K EXCLUSION CLAUSE3.Clarification ClausesG01. DesignationG02. Prem

6、ium 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. Accumulated StocksG16. Breach of Condition and War

7、rantyG21. Automatic Reinstatement of Sum InsuredG22. _Days CancellationG23. _Days Notify Cancellation or Refuse to RenewalG24.Nomination of Loss AdjusterG28.Co-InsuranceG32.Waiver of Subrogation(A)1.Extension ClausesK01. Scope of Cover（ A）It is agreed and understood that, subject to the Applicant ha

8、ving 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 hazard

9、s 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

10、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

11、 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 thi

12、s Policy.K06. Denial of Access (A)It is agreed and understoodthat, subject to the Applicanthavingpaidtheagreed additionalpremium, loss as insuredby thisPolicy resulting from interruptionof orinterference withthebusiness in consequenceofthedamage (as within define)to propertyinthe vicinity ofthePremi

13、ses 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, condit

14、ions and exclusions of this Policy.K07. Denial of Access (B)It is agreed and understoodthat, subject to the Applicanthavingpaidtheagreed additionalpremium, loss as insuredby thisPolicy resulting from interruptionof orinterference with thebusiness in consequenceofthedamage (as within define)to proper

15、tyinthe vicinity of thePremises 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 t

16、he Insurer shall not be liable for any loss if the aforesaid prevention ofthe use of the premise or the hinder of the access thereto is contributed to the failure of gasand/orwater supply in the vicinityof Insured premises resulting from the propertydamagethereof.The indemnity limit under this claus

17、e 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 t

18、he 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 &/

19、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 an

20、d 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 unde

21、r 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 d

22、ue 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 Fo

23、od Contamination Extension(B)It is agreed and understood that, subject to the Applicant having paid the agreed additionalpremium, 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 c

24、onsequences 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

25、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 par

26、t 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 ex

27、clusions 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 additionalpremium, this Policy is extended to cover loss as insured hereunder resulting from interruption of or interference w

28、ith 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 Pre

29、mises;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 authorityconsequent upon defects in the drains and other sanitary facilities at th

30、e 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 a

31、ppropriately 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 ExtensionIt is agreed and understood that, subject to the Applicant having pa

32、id the agreed additional premium, this policy is extended to cover loss resulting from interruption of or interference withthe 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 quaranti

33、ne 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 (excludingAcquired Immune Deficiency Syndrome (AIDS), the out

34、break of which should be notified to the competent public authorities.For the purpose of this insurance ,(1)Indemnity Period means theperiodduring which theresults ofthe business shallbeaffected in consequence of the Notifiable Infectious Disease, beginning with effective date of theorder issued by

35、the competent government authority and ending not later than the MaximumIndemnity Period thereafter.(2) Notwithstandinganyprovisionto thecontrary withinanyotheradditional clauses orendorsements thereto , it is agreed that this insurance shall only be liable forinterruption of orinterference withthe

36、Insured sbusiness as a result of an insuredevent occurred withinthelocations as specified in the schedule , wherein the insured carries on his business .Provided that the Insurers liability under this extension shall not exceedper_occurrence forall insured parties in respect of all premises stated i

37、n 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 loss or series of loss arising out of the event of Notifiable Infectious Disease occurring during the period of insurance.This Clause is subject othe

38、rwise to other terms and conditions of this Policy.K12. Closure ofOperation FacilityIt is agreed and understood that,subject to the Applicanthaving paid the agreed additionalpremium, any loss resulting from interruption of or interference withthe Insured sbusiness dueto shut-down of operation facili

39、tyby order of the Health Authorities as a result of food spoilageor 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 Periodmeans the perio

40、d during which the resultsof 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 use

41、d 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 ExtensionIt is agreed and understood that, subject to the Applicant having paid the agreed addi

42、tional 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 w

43、hich 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 beloss resulti

44、ng 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 prot

45、ecting 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 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

46、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

47、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

48、 any action, suit or other proceedings where the Insurer alleges that by reason of the provisionsof 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, cond

49、itions and exclusions of this Policy.K14. Public Utilities Extension （ B）It is hereby agreed and understoodthat, subjecttothe Applicanthaving paid the agreedadditional premium, the Insurer shall indemnifytheInsured forthe loss resultingfrominterruption of or interference with the Business carried on

50、 by the Insured at the premises statedin the Policy in consequence of failureof gas or watersupply at theterminal ends of theGasWorks/Water Works from where the Insured obtained gas/water supply, if such failure is directlydue to the physical damage (as within defined) to property therein.For the pu

51、rpose 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

52、 the insurer be liable for any loss occurred in the first twenty-four(24) hours of each such failure covered hereinThis Clause is subject otherwise to the terms, conditions and exclusions of this Policy.K15. Loss of Book DebtsIt is agreed and understood that, subject to the Applicant having paid the

53、 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 respe

54、ct 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) auditor charges necessarily and reasonably incurre

55、d in substantiating any claim under this extensionProvided that the Insured can substantiate the loss by documentary evidence by an Auditor and the Insurer's 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