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Insurance cover for building and content whilst the property is unoccupied, to save guard your investment it's wise to ensure that the level of insurance is sufficient.

Sample Policy Wording

Please note that the following is a standard policy wording, please check your own policy documentation for confirmation of cover. Should you require clarification please contact us on 0114 250 5225

Policy Definitions

Wherever the following words and phrases appear in the Policy they will always have the same meaning

Annual Gross Rentals
The Gross Rentals during the twelve months immediately before the date of the Damage.

Building(s)
The building(s) situate at the address(es) specified in the Schedule which include;
a) Landlord’s Fixtures and Fittings
b) annexes, gangways, outbuildings and extensions
c) walls, gates and fences
d) yards, car parks, roads and pavements
all belonging to the Insured or for which the Insured is legally responsible.
The term Landlord’s Fixtures and Fittings means those fixtures and fittings which form a permanent part of the structure
including;
i) additional structural fixtures and fittings which were not part of the original structure
ii) central heating systems
iii) sanitary fittings.

Business
The ownership by the Insured of the Property Insured including;
a) maintenance, occupation or use of the Property Insured by the Insured
b) the provision and management of canteen, sports, social or welfare organisations for the benefit of Employees and
fire, security, first aid, medical and ambulance services
c) private work undertaken with the prior consent of the Insured by Employees for any director or senior official of the
Insured.

Computer Virus
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”.

Damage(d)
Accidental loss or destruction of or damage to the Property Insured.
Defined Perils
The words Defined Perils shall mean fire, lightning, explosion, aircraft, or other aerial devices or articles dropped therefrom, riot, civil commotion, strikers, locked out workers, persons taking part in labour disturbances, malicious persons, theft, earthquake, storm, flood, overflowing or leaking of any sprinkler apparatus, escape of water from any tank apparatus or pipe,
impact by any road vehicle or animal, falling trees branches and falling aerials.

Electronic Data
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.

Employee(s)
a) Any person under a contract of service or apprenticeship with the Insured
b) Any person who is hired to or borrowed by the Insured
c) Any person engaged in connection with a work experience or training scheme
d) Any labour master or person supplied by him
e) Any person engaged by labour-only sub-contractors
f) Any self-employed person working on a labour only basis under the control or supervision of the Insured.

Excess
The first part of each and every loss which the Insured must bear after the application of any condition of average.

Glass
All fixed plain sheet or plain Glass in windows, doors, fanlights, skylights, partitions, furniture, display and show cases, counters or shelves or mirrored Glass fixed hand basins, lavatory bowls, bidets, shower trays and baths including lettering, embossing, beading, silvering or ornamental work at the Premises stated in the Schedule.

Gross Rentals
The money paid or payable to the Insured for tenancies and other charges and for services rendered in the course of the Business at the Premises.

Indemnity Period
The period beginning with the occurrence of the Damage and ending not later than the number of months thereafter stated
in the Schedule during which the results of the Business shall be affected in consequence of the Damage.

Injury
Bodily injury, death, disease, illness or nervous shock.

Insured(s)
The firm, company or individual named in the Schedule.

Landlords Contents
Contents of common parts, furniture, furnishings, fitted carpets, domestic appliances and fixtures and fittings all belonging to the Insured or for which the Insured is responsible whilst contained in the Buildings insured by this section excluding:-
a) Landlord’s Fixtures and Fittings
b) Stock and materials in trade
c) Property more specifically insured.

Offshore
From the time of embarkation onto a conveyance at the point of final departure from land to any offshore rig or any offshore platform and until such time of disembarkation from a conveyance onto land upon return from any offshore rig or any offshore platform.

Outstanding Debit Balances
The total amount due to the Insured at the date of the Damage less bad debts.

Period of Insurance
Any period for which the Underwriters may accept payment of a premium in respect of this Policy.

Policy
The entirety of the Policy of insurance specified in the Schedule and/or contained in any and all endorsements or amendments forming part of the Policy (whether or not such endorsements or amendments are agreed prior to the Policy of insurance coming into force or at any time thereafter). All references to the terms of this Policy shall be construed as references to the entire Policy, including all terms conditions exclusions Sums Insured excesses deductibles limits Schedules endorsements amendments and any other written contractual provisions that form part of the Policy.

Premises
The Address(es) specified in the Schedule.

Property Insured
The Buildings, Landlord’s Fixtures and Fittings and Landlords Contents at the Premises, all as defined in these Definitions, if and to the extent they are included as Property Insured in the Schedule.

Proposal
The signed Proposal form Statement of Fact or any additional information supplied to the Underwriters by or on behalf of the Insured.

Schedule(s)
The Schedule specifying the terms and extent of this Policy.

Standard Gross Rentals
The Gross Rentals during the period in the twelve months immediately before the date of the Damage which corresponds with the Indemnity Period.
Under the Definitions Annual Gross Rentals and Standard Gross Rentals adjustments shall be made as may be necessary to provide for the trend of the Business and for variations in or special circumstances affecting the Business either before or after the Damage or which would have affected the Business had the Damage not occurred so that the figures thus adjusted shall represent as nearly as may be reasonably practicable the results which but for the Damage would have been obtained during the relative period after the Damage.

Sum Insured/Limit of Indemnity
The sum or limit specified in the Schedule as applying to the relevant Section of this Policy or items insured.

Territorial Limits
Great Britain Northern Ireland the Channel Islands or the Isle of Man.

Underwriters
Certain Underwriters at Lloyd’s.

Unlawful Association
Any organisation which is engaged in terrorism and includes an organisation which at any relevant time is a proscribed organisation within the meaning of the Terrorism Act 2000 or any similar legislation.

Unoccupied
When the Premises are closed for Business for a period in excess of seven consecutive days.

Section 1 - Buildings
In the event of the Property Insured suffering Damage by any Defined Peril during the Period of Insurance, the Underwriters will pay the amount of the Damage or at its option replace or repair such Damage.
The liability of the Underwriters will not exceed the value of the property at the time of the Damage or the cost of the Damage. The maximum amount payable will not exceed the individual Sum Insured stated in the Schedule or specification attached thereto in any one Period of Insurance.
At the inception of each Period of Insurance the Insured shall notify the Underwriters of the Sum Insured of the Property Insured by each of the said item(s). In the absence of such declaration the last amount declared by the Insured shall be taken as the Sum Insured for the ensuing Period of Insurance.
If at the time of Damage the Sum Insured of the property covered by such item be less than the cost of reinstatement at the inception of the Period of Insurance then the Underwriters liability for any Damage shall not exceed that proportion thereof which the Sum Insured bears to such cost of reinstatement.
The liability of the Underwriters for the repair or restoration of property Damaged in part only shall not exceed the amount which would have been payable had such property been wholly destroyed.

No payment beyond the amount which would have been payable in the absence of this Condition shall be made;
a) unless reinstatement commences and proceeds without unreasonable delay
b) until the cost of reinstatement shall have been actually incurred
c) if the Property Insured at the time of its loss destruction or Damage shall be insured by any other insurance effected by or on behalf of the Insured which is not upon the same basis of reinstatement.

All the terms and conditions of this Policy shall apply in respect of any claim payable under the provisions of this clause except insofar as they are varied hereby.
Where by reason of;
a) any of the above Conditions no payment is to be made beyond the amount which would have been payable under this Section if this Condition had not been incorporated therein or
b) the Insured elect not to rebuild the Property Insured in a condition equal to but not better or more extensive than its condition when new then the provisions of this clause are cancelled and the rights and liabilities of the
Underwriters and the Insured in respect of the Damage shall be subject to the terms and conditions of the Policy including the following Condition of Average:

The insurance by each item of this Section is declared to be subject to Average i.e. if the property covered shall at the breaking out of any Damage insured hereby be collectively of greater value than 125% of the Sum Insured
stated in the Schedule then the Insured shall be considered as being their own insurer for the difference and shall bear a rateable share of the loss accordingly.

This Section does not cover the amount of the Excess stated in the Schedule.
Additional Metered Water Charges
Additional metered water charges incurred by the Insured as a result of Damage except those in respect of any loss which has not been discovered and remedial action taken within thirty days of the occurrence of the Damage provided that the maximum amount payable under this Extension in any one Period of Insurance shall not exceed GBP 5,000.

Alternative Residential Accommodation
If as a result of Damage the residential portions of the property are unfit to live in or access is denied the Underwriters will pay insofar as they are not otherwise insured;
a) the costs of reasonable alternative accommodation and the temporary storage of residents furniture
b) the cost of reasonable accommodation in kennels or catteries for residents’ dogs and cats
Provided the liability of the Underwriters under this Extension shall not exceed 20% of the Sum Insured on the Property Insured which has been Damaged.

Architects Surveyors Legal and Consulting Engineers Fees
An amount in respect of architects surveyors legal and consulting engineers fees necessarily incurred in the reinstatement or repair of the Property Insured consequent upon its Damage but not for preparing any claim it being understood that the amount payable for such destruction or Damage and fees shall not exceed in the aggregate the Sum Insured.

Book Debts
In the event of loss, destruction of, or Damage to, the Insureds books of account or other Business books or records at the Premises during the Period of Insurance by any Cover insured hereby (loss, destruction or Damage so caused being hereinafter termed Damage) and the Insured be in consequence thereof unable to trace or establish the Outstanding Debit Balances in whole or in part due to them then the Underwriters will pay to the Insured the amount of loss resulting from such Damage in accordance with the provisions herein contained.
Provided that the liability of Underwriters shall not exceed:
the Total Sum Insured stated in the Schedule at the time of the Damage
the Sum Insured remaining after deduction for any other Damage during the same Period of Insurance, unless the
Underwriters shall have agreed to reinstate any such Sum Insured.
The insurance hereunder is limited to the loss sustained by the Insured in respect of Outstanding Debit Balances directly
due to the Damage and the amount payable in respect of any one occurrence of Damage shall not exceed;
1) the difference between:
a) Outstanding Debit Balances and
b) the total of the amounts received or traced in respect thereof
2) the additional expenditure incurred with the previous consent of the Underwriters in tracing and establishing Customers’ debit balances after the Damage provided that if the Sum Insured by this Item be less than the Outstanding Debit Balances the amount payable shall be proportionately reduced.
The Underwriters will pay the reasonable charges payable by the Insured to their Professional Accountants for producing any particulars or details or any other proofs, information or evidence as may be required by the Underwriters under the terms of this Policy and reporting that such particulars or details are in accordance with the Insureds books of account or other Business books or documents provided that the sum of the amount payable under this clause and that amount otherwise payable under this Section shall in no case exceed the Total Sum Insured hereby.

Capital Additions
Subject to its terms and conditions;
a) any newly acquired and/or newly erected buildings or buildings in course of erection (excluding any property for which a building contractor is responsible) insofar as the same are not otherwise insured and
b) alterations additions and improvements to buildings but not in respect of any appreciation in value anywhere in the United Kingdom provided that;
i) at any one situation this cover shall not exceed GBP 500,000 of the Sum Insured by this Section but in no case exceeding GBP 1,000,000
ii) the Insured undertake to give particulars of such extension of cover as soon as practicable and in any event within 6 months of any newly acquired and/or newly erected buildings or alterations additions and improvements to buildings and to effect specific insurance thereon retrospective to the date of the commencement of the Underwriters liability
iii) the provisions of this extension shall be fully maintained notwithstanding any specific insurance effected under (ii) above.

Damage to Landscaped Gardens
The cost of restoring any Damage to landscaped gardens including trees by the Emergency Services in attending the Premises as a result of Damage insured by this Section provided that the maximum amount payable under this Extension in any one Period of Insurance shall not exceed GBP 25,000.

Damage to Cables and Underground Pipes
The cost of repairing Damage or which the Insured is responsible to cables and underground pipes and drains (and their inspection covers) on the Property Insured or connecting them to the public mains subject to the terms and conditions of the Policy.

Extinguishment and Alarm Resetting Expenses
The reasonable costs incurred by the Insured in refilling fire extinguishing appliances replacing used sprinkler heads and resetting fire or intruder alarms as a result of Damage to the Property Insured

Glass
Breakage of Glass at the Premises as specified in the Schedule including;
a) The reasonable cost of boarding up rendered necessary by such breakage
b) The reasonable cost of repairing or replacing window frames and framework consequent upon the breakage of Glass
c) The reasonable cost of refitting alarm foil consequent upon the breakage of Glass.
The liability of the Underwriters under this Extension does not cover;
a) The amount of the Excess specified in the Schedule
b) Consequential loss of any kind or description except as stated herein to the contrary
c) Any breakage arising directly or indirectly from: -
i) alterations or repairs to the Premises or occurring whilst the Premises are empty or not in use
ii) defects in frames, framework or other fittings.
Provided that the liability of Underwriters shall not exceed the Sum Insured stated in the Schedule at the time of the Damage.

Inflation Protection
The Underwriters will adjust the Sum Insured in line with suitable indices of costs and the renewal premium for this Section will be based on the adjusted Sum Insured.

Landlords Contents
This Section extends to include Damage to Landlords Contents for the Sum Insured stated in the Schedule.

Mortgagees and Other Interests
The interest of the Leaseholder(s), Mortgagee(s) and Tenant(s) in the individual portions of the Property Insured to which
their interest applies is noted such interest to be advised to the Underwriters in the event of a claim In addition the interest
of the Insured or Mortgagee(s) in this insurance shall not be prejudiced by any act or neglect of the Occupier(s) or
Mortgagor(s) of any Building hereby insured whereby the risk of Damage is increased without the authority or knowledge of
the Insured or Mortgagee(s) provided that the Insured or Mortgagees shall immediately on becoming aware thereof give
notice in writing to the Underwriters and on demand pay such reasonable additional premium as the Underwriters may
require.

Personal Possessions
Directors, partners, customers, visitors and Employees personal effects of every description (other than motor vehicles)
within the Premises insofar as they are not otherwise insured for an amount not exceeding GBP 500 in respect of any one
person.

Reinstatement of Sum Insured
In the event of loss the Sum Insured by this Section will be automatically reinstated from the date of the loss unless written
notice is given to the contrary either by the Underwriters or by the Insured and the Insured undertake to pay such
necessary premiums as may be required for such reinstatement from that date.

Removal of Debris
Costs and expenses necessarily incurred by the Insured with the consent of the Underwriters in;
a) removing debris
b) dismantling and/or demolishing
c) shoring up or propping of the portions of the Property Insured
d) clearing drains sewers and gutters at the Property Insured
as a result of Damage hereby insured against
The Underwriters will not pay for any costs or expenses;
1) incurred in removing debris except from the site of such property destroyed or Damaged and the area immediately
adjacent to such site
2) arising from pollution or contamination of property not insured by this Section
The liability of the Underwriters under this Extension and this Section in respect of any item shall in no case exceed
the Sum Insured thereby.

Removal of Debris- Tenants Contents
The irrecoverable costs and expenses (insofar as they are not otherwise insured) necessarily incurred by the Insured with the consent of the Underwriters in removing from the Property Insured the debris of contents (not being the property of the Insured) as a result of Damage hereby insured against.
The Underwriters will not pay for any costs or expenses;
1) incurred in removing debris except from the site of such property destroyed or Damaged and the area immediately adjacent to such site
2) arising from pollution or contamination of property not insured by this Section
The liability of the Underwriters under this Extension and this Section in respect of any item shall in no case exceed the
Sum Insured thereby.

Repairs and Alterations
Joiners and other tradesmen may be employed to effect minor repairs or minor structural alterations other than any work
involving the use of heat such as blow lamps, welding or cutting equipment in the Premises without prejudice to the
insurance hereby.

Sale of Property Insured
If at the time of Damage to any Building insured under this Section the Insured shall have contracted to sell the interest of the Insured in such Building and the purchase shall not have been but shall be thereafter completed the purchaser on completion of the purchase if and so far as the property is not otherwise insured by or on behalf of the purchaser against such Damage shall be entitled to the benefits of this Section of the Policy so far as it relates to such Damage without prejudice to the rights and liabilities of the Insured or the Underwriters under this Section up to the date of completion.

Subrogation Waiver
In the event of a claim arising under this Section the Underwriters agree to waive any rights remedies or relief to which they might have become entitled by subrogation against;
a) any company standing in relation of Parent to Subsidiary (Subsidiary to Parent) to the Insured as defined in the Companies Act or the Companies (N.I.) Order as appropriate current at the time of Damage
b) any company which is a subsidiary of a Parent Company of which the Insured are themselves a Subsidiary in each case within the meaning of the Companies Act or the Companies (N.I.) Order as appropriate current at the time of Damage
c) any tenant provided that;
i) the Damage did not result from a criminal fraudulent or malicious act of the tenant and
ii) the tenant contributes to the cost of insuring the Property Insured against the event which caused the Damage.

Subsidence Ground Heave and Landslip
Notwithstanding Exclusions 7(a) and 7(b) the insurance by Sections 1 and 2 extends to cover Damage caused by
Subsidence or Ground Heave of any part of the site on which the property stands or Landslip excluding;
a) the first GBP 1,500 of each and every loss after the application of any Condition of Average
b) Damage to yards, car parks, roads, pavements, walls, gates and fences unless also affecting a building insured
hereby
c) Damage caused by or consisting of;
i) the normal settlement or bedding down of new structures
ii) the settlement or movement of made-up ground
iii) coastal or river erosion
iv) defective design or workmanship or the use of defective materials
v) fire, subterranean fire, explosion, earthquake or the escape of water from any tank apparatus or pipe
d) Damage which originated prior to the inception of this cover
e) Damage resulting from;
i) demolition, construction, structural alteration or repair of any property or
ii) groundwork or excavation at the Premises

Special Conditions
Insofar as this insurance relates to Damage caused by Subsidence Ground Heave or Landslip;
a) The Insured shall notify the Underwriters immediately they become aware of any demolition, groundworks,
excavation or construction being carried out on any adjoining site
The Underwriters shall then have the right to vary the terms or cancel this cover.
Temporary Removal
The insurance by each item of Property Insured extends to cover telephones, gas, water and electric instruments, meters, piping, cabling and accessories including similar property in the adjoining yards and roadways or underground (and pertaining to any Building insured by this section), all belonging to the Insured or for which the Insured is responsible.

Theft of Keys
The reasonable costs necessarily incurred in replacing external door locks at the Property Insured following the loss of
keys by;
a) theft from the Property Insured or Registered Office or from the home of
b) theft following hold-up whilst such keys are in the personal custody of
the Insured or any principal, director, partner or Employee authorised to hold such keys or reasonable evidence that the keys have been duplicated by an unauthorised person.
Provided that the maximum amount payable under this Extension in any one Period of Insurance shall not exceed GBP 1,000.

Trace and Access
The reasonable costs necessarily incurred by the Insured in locating the source and subsequent making good of Damage resulting from;
a) the escape of water from any tank, apparatus or pipe
b) accidental Damage to cables, underground pipes and drains serving the Property Insured
Provided that the maximum amount payable under this Extension shall not exceed in any one Period of Insurance GBP 5,000.

Unauthorised Use of Utilities
The cost of metered electricity, gas or water for which the Insured are legally responsible arising from its unauthorised use by persons taking possession keeping possession or occupying the Property Insured without the Insureds authority provided that the Insured shall take all practical steps to terminate such unauthorised use as soon as it is discovered provided that the maximum amount payable under this Extension shall not exceed in any one Period of Insurance GBP 10,000.

Unoccupied Buildings
a) Whenever the Property Insured by this Section is Unoccupied the Unoccupancy Conditions will apply b) The Underwriters must be notified in writing immediately if any Unoccupied building or Unoccupied portion of a Building insured hereby becomes occupied or any occupied building becomes Unoccupied and a suitable extra premium paid if required.

Value Added Tax
Value Added Tax (VAT) paid by the Insured which is not subsequently recoverable.
Provided that;
a) the Insureds liability for such tax arises solely as a result of the reinstatement or repair of the building following Damage
b) the Underwriters have paid or have agreed to pay for such Damage
c) if any payment made by the Underwriters in respect of the reinstatement or repair of such Damage shall be less than the actual cost of the reinstatement or repair of the Damage any payment under this Clause resulting from that Damage shall be reduced in like proportion
d) the Insureds liability for such tax does not arise from the replacement building having a greater floor area than or being better or more extensive than the destroyed or Damaged building
e) where an option to reinstate on another site is exercised the Underwriters liability under this Extension shall not exceed the amount of tax that would have been payable had the building been rebuilt on its original site
f) the Underwriters liability under this Extension shall not include amounts payable by the Insured as penalties or interest for non payment or late payment of tax
g) the Insured has taken all reasonable precautions to insure adequately for VAT liability at inception of the Policy and at each subsequent renewal date
NB Provisions to the contrary elsewhere in this Policy are overridden as follows in respect of those items to which this Extension applies;
i) for the purpose of any Condition of Average reinstatement costs will be exclusive of VAT
ii) the liability of the Underwriters may exceed the Sum Insured by an item or in the whole the total Sum Insured
where such excess is solely in respect of VAT.

Section 2 – Rental Income

In the event of Damage to the Property Insured under Section 1 (hereinafter called the Premises) and the Business
carried on by the Insured at the Premises stated in the Schedule being in consequence thereof interrupted or interfered
with the Underwriters will (subject to the terms definitions exclusions and conditions of the Policy) pay the Insured the
amount of loss arising as a result in accordance with the following provisions.
The insurance is limited to loss due to;
a) loss of Gross Rentals
b) increase in cost of working and the amount
payable as indemnity thereunder shall be;
i) the amount by which the Gross Rentals during the Indemnity Period shall in consequence of the Damage fall
short of the Standard Gross Rentals
ii) the additional expenditure necessarily and reasonably incurred including the cost of re-letting the Premises
(including legal fees) for the sole purpose of avoiding or diminishing the loss of Gross Rentals which but for that
expenditure would have taken place during the Indemnity Period in consequence of the Damage but not
exceeding the amount of the reduction in Gross Rentals thereby avoided less any sum saved during the
Indemnity Period in respect of such charges or expenses of the Business as may cease or be reduced in the
consequence of the Damage
provided that;
1) payment shall have been made or liability admitted under Section 1 of this Policy in respect of such Damage
2) if the Sum Insured by this Section be less than twice the Annual Gross Rentals (or to a proportionately reduced
multiple where the Indemnity Period is less than 24 months or to a proportionately increased multiple where the
Indemnity Period is greater than 24 months) the amount payable shall be proportionately reduced.

Advance Gross Rentals
Where Gross Rental is insured in respect of new property developments the Insured must show that but for the Damage Gross Rentals would have been earned and will be required to support a claim for loss of Gross Rentals by submitting reasonable evidence of the amount of such Gross Rentals and the date from which they would have been earned. The Underwriters will have regard;
a) to actual negotiations with prospective tenants both before and after the Damage
b) for demand for similar accommodation in the locality
c) the general level of rents applying
If required the advice of a professional valuer acceptable to both the Insured and Underwriters will be sought and such
fees will be included in the indemnity under this Clause.

Alternative Trading
If during the Indemnity Period accommodation shall be provided or services rendered elsewhere other than at the Premises for the benefit of the Business either by the Insured or others on their behalf the money paid or payable in respect of such accommodation and services shall be brought into account in arriving at the Gross Rentals during the Indemnity Period.

Automatic Rent Review
Where the Gross Rentals are subject to a rent review during the Period of Insurance the relevant Sum Insured will be automatically increased to reflect the revised Gross Rentals earned up to a maximum increase of 100% of the Sum Insured on Gross Rentals stated in the Schedule.
No additional premium will be charged for this increase in cover during the Period of Insurance provided that the Insured advises Underwriters, prior to renewal, of the revised Gross Rentals for the ensuing Period of Insurance.

Bombscare or Unlawful Occupation
This Section extends to include interruption of or interference with the Business due to;
a) the suspected or actual presence of an incendiary or explosive device on or in the vicinity of the Premises
b) occupation of the Premises or other property in the vicinity by members of a terrorist or criminal organisation or unlawful occupants
Provided the Underwriters will not be liable for;
i) any incident involving an interruption of less than 48 hours duration
ii) any period other than the actual period of prevention or hindrance of access to the Premises
iii) eviction costs
The Insurance by this Clause shall only apply for the period beginning with the loss and ending not later than three months
thereafter during which the results of the Business shall be affected in consequence of the Damage.

Buildings Awaiting Sale
If at the time of the Damage the Insured has contracted to sell his interest in the Buildings and the sale is cancelled or
delayed solely in consequence of the Damage the amount payable under this Section may at the Insureds option be
amended as follows;
a) during the period prior to the date upon which but for the Damage the Buildings would have been sold:
reduction in Gross Rentals, being the amount by which the Gross Rentals earned during the Indemnity Period
will, in consequence of the Damage, fall short of the Standard Gross Rentals
b) during the period commencing with the date upon which but for the Damage the Buildings would have been sold
and ending with the actual date of sale or with the expiry of the Indemnity Period if earlier:
the loss of interest, being:
i) reasonable interest actually incurred on capital borrowed in connection with the Business solely to
replace (in whole or in part) the loss of use of the sale proceeds
ii) reasonable investment interest lost on any balance of the sale proceeds (after deduction of any capital
borrowed as provided for under i. above)
c) additional expenditure necessarily and reasonably incurred for the sole purpose of avoiding or minimising the loss
payable under paragraphs a or b above, but not exceeding the amount of the reduction avoided by such
expenditure.
Provided that the liability of the Underwriters under this Extension and the section will not exceed the Sum Insured set
against the item on Gross Rentals in the Schedule plus any payment under the Automatic Rent Review Extension in any
one Period of Insurance.

Capital Additions
This Section extends to include Gross Rentals in respect of;
a) alterations, additions, extensions and improvements to the Premises insured
b) newly acquired and or newly erected buildings anywhere in the United Kingdom provided they are not otherwise insured
Provided that;
i) at any one Premises the cover shall not exceed GBP 500,000 of the total Sum Insured on Gross Rentals or GBP 1,000,000 whichever is the less
ii) the Insured undertake to give particulars of such extension of cover as soon as practicable and in any event within 6 months of any newly acquired and/or newly erected buildings or alterations, additions and improvements to buildings and to effect specific insurance thereon retrospective to the date of the commencement of the Underwriters liability
iii) the provisions of this Clause shall be fully maintained notwithstanding any specific insurance effected under ii) above.

Denial of Access and Loss or Damage at Managing Agents Premises
Subject to the conditions of the Policy loss resulting from interruption of or interference with the Business in consequence of Damage;
a) to property in the vicinity of the Premises destruction of or Damage to which shall prevent or hinder the use of the Premises or access thereto whether the Premises or property of the Insured therein shall be Damaged or not (but excluding loss, destruction of or Damage to property of any supply undertaking from which the Insured obtains electricity, gas or water or telecommunications services which prevent or hinder the supply of such services)
b) to property at the Premises of the Insureds Managing Agents shall be deemed to be loss resulting from Damage to property used by the Insured at the Premises.

Failure of Public Supply
This Section extends to include interruption of or interference with the Business caused by Damage as defined in this Section giving rise to destruction or Damage to property at any;
a) generating station or sub station of the public electricity supply undertaking
b) land based premises of the public gas supply undertaking or of any natural gas producer linked directly therewith
c) water works and pumping stations of the public water supply undertaking
d) land based premises of the public telecommunications undertaking from which the Insured obtains electricity, gas, water or telecommunication services within the Territorial Limits.

Limit of Liability
The maximum payable during any Period of Insurance under this Section is the Sum Insured shown in the Schedule adjusted in accordance with the Inflation Protection Clause if applicable plus any payment made under the Rent Review Extension.

Loss of Attraction
This Section extends to include loss resulting from interruption of or interference with the Business due to Damage to property in the vicinity of the Premises which shall deter potential tenants whether the Premises of the Insured or property of the Insured therein shall be Damaged or not provided that the maximum amount payable under this Clause in any Period of Insurance shall not exceed;
a) GBP 50,000 or the Sum Insured in respect of each Premises whichever is the less
b) GBP 250,000 in aggregate.

Murder Suicide or Disease
The Underwriters shall indemnify the Insured in respect of Damage resulting from interruption of or interference with the Business during the Indemnity Period following;
a) any human infectious or human contagious disease (excluding Acquired Immune Deficiency Syndrome (AIDS) or any AIDS related condition) an outbreak of which the local authority has stipulated shall be notified to them manifested by any person whilst in the Premises or within a 25 miles radius of it
b) murder or suicide in the Premises
c) Injury or illness sustained by any person arising from or traceable to foreign or injurious matter in food or drink provided in the Premises
d) vermin or pests in the Premises
e) the closing of the whole or part of the Premises by order of a competent public authority consequent upon defect in the drains or other sanitary arrangements at the Premises
The insurance by this Extension shall only apply for the period beginning with the occurrence of the loss and ending not later than three months thereafter during which the results of the Business shall be affected in consequence of the Damage.

New Business
For the purpose of any claim arising from Damage occurring before the completion of the first years trading of the Business at the Premises Definitions Annual Gross Rentals and Standard Gross Rentals shall bear the following meanings and not as within stated;
Annual Gross Rentals - The proportional equivalent for a period of twelve months of the Gross Rentals realised during the period between the commencement of the Business and the date of the Damage Standard Gross Rentals - The proportional equivalent for a period equal to the Indemnity Period of the Gross Rentals realised during the period between the commencement of the Business and the date of the Damage To which adjustments shall be made as may be necessary to provide for the trend of the Business and for variation in or special circumstances affecting the Business either before or after the Damage or which would have affected the Business had the Damage not occurred so that the figures thus adjusted shall represent as nearly as may be reasonably practicable the results which but for the Damage would have been obtained during the relative period after the Damage.

Payments on Account
In the event of loss the Underwriters will make monthly payments on account during the Indemnity Period to the Insured if desired.

Professional Accountants Charges
The Underwriters will indemnify the Insured in respect of reasonable fees payable by the Insured to their professional accountants for producing any particulars or details contained in the Insureds business books or documents or other such proofs information or evidence as the Underwriters may require under the terms of the Claims - Insureds Duties section of the Policy Conditions and reporting that such particulars or details are in accordance with the Insureds business books or documents.

Rent Free Period
If at the date of the Damage any Premises are subject to a rent free period under the terms of the lease then the Indemnity Period stated in the Schedule shall be adjusted by adding the unexpired portion of the rent free period to the number of years shown in the Schedule provided that the Underwriters liability does not exceed the Sum Insured or any Limit of Liability stated in the Policy whichever is the lower.

Sale of Property Insured
If at the time of Damage to the Premises the Insured shall have contracted to sell the interest of the Insured in such building and the purchase shall not have been but shall be thereafter completed the purchaser on completion of the purchase if and so far as the Gross Rentals are not otherwise insured by or on behalf of the purchaser against such Damage shall be entitled to the benefits of this Section of the Policy so far as it relates to such Damage without prejudice to the rights and liabilities of the Insured or the Underwriters under this Section up to the date of completion.

Unoccupied Buildings
Where Gross Rental is insured in respect of any Unoccupied buildings in the event of Damage the Insured must show that but for the Damage Gross Rentals would have been earned and will be required to support a claim for loss of Gross Rentals by submitting reasonable evidence of the amount of Gross Rental and the date from which it would have been earned.
The Underwriters will have regard;
a) to actual negotiations with prospective tenants both before and after Damage
b) for demand for similar accommodation in the locality
c) of the general level of rents applying
If required the advice of a professional valuer acceptable to both the Insured and Underwriters will be sought and such fees will be included in the indemnity under this Clause.

Value Added Tax
To the extent that the Insured are accountable to the tax authorities for Value Added Tax all terms in this Section shall be
exclusive of such tax.

Section 3 – Property Owners Liability
The Underwriters will indemnify the Insured against all sums the Insured shall become legally liable to pay as damages and claimants costs and expenses arising out of accidental;
a) Injury to any person
b) loss or Damage to material property
c) nuisance or trespass, obstruction, loss of amenities or interference with any right of way, air, light or water or other easement
d) wrongful arrest, detention, imprisonment or eviction of any person or invasion of the right of privacy occurring within the Territorial Limits during the Period of Insurance and happening in connection with the Business.

Additional Persons Insured
The Insured shall extend to include in the event of the death of any person entitled to indemnity under this Section the deceased's legal personal representatives but only in respect of liability incurred by such deceased person At the request of the Insured the Underwriters will indemnify in the terms of this Section any director of the Insured or Employee in respect of liability arising in connection with the ownership of the Premises described in the Schedule Provided always that;
a) each such additional person insured shall as though they were the Insured observe fulfil and be subject to the terms of this Policy insofar as they can apply
b) the Underwriters shall retain the sole conduct and control of all claims.

Compensation for Court Attendance
In the event of any of the undermentioned persons attending court as a witness at the request of the Underwriters in connection with a claim in respect of which the Insured are entitled to indemnity under this Section the Underwriters will provide compensation to the Insured at the following rates per day for each day on which attendance is required;
a) any director or partner of the Insured GBP 150
b) any Employee GBP 100.

Contractual Liability Clause
In connection with liability assumed under agreement this Section;
a) shall apply only if the conduct and control of claims is vested in the Underwriters
b) shall not apply in respect of liquidated damages fines or penalties.

Cross Liabilities Clause
If more than one Insured is referred to in the Schedule each Insured so named shall be considered as a separate and
distinct entity and the word Insured shall be construed as applying to each separate Insured in the same manner as if a
separate policy had been issued to each.
Provided always that the liability of the Underwriters for all damages payable as a result of any one occurrence or of all
occurrences of a series consequent upon or attributable to one source or original cause shall not exceed in the aggregate
the Limit of Indemnity stated in the Schedule irrespective of the number of insured parties involved.

Data Protection Act
The Underwriters will indemnify the Insured in respect of liability arising under the Data Protection Act 1984
Provided that;
a) the process of registration under the above Act has been commenced or completed by the Insured and the
application has not been refused or withdrawn
b) no liability arises as a result of the provision by the Insured of the services of a computer bureau
The Underwriters shall not be liable in respect of;
a) the recording or provision of data for reward or for determining the financial status of any person
b) any liability which arises as a result of a deliberate act or omission of the Insured and which could reasonably have
been expected by the Insured having regard to the nature and circumstances of such act or omission
The total liability of the Underwriters including all costs and expenses in this respect shall not exceed GBP 250,000 during
any one Period of Insurance.

Defective Premises Act
This Section subject otherwise to the terms of the Policy extends to indemnify the Insured against liability for Injury, loss or
Damage arising solely by reason of Section 3 of the Defective Premises Act 1972 or Article 5 of the Defective Premises
(Northern Ireland) Order 1975 in respect of any premises previously owned for purposes pertaining to the Business and
since disposed of by the Insured provided that;
1 this extension shall not indemnify the Insured in respect of loss of or Damage to the land or premises disposed of
or in connection with the cost of rectifying any defect or alleged defect therein
2 the Underwriters will not be liable under this extension if the Insured are entitled to indemnity under any other
insurance.
Discharge of Liability Clause
The Underwriters may pay the Limit of Indemnity or any lesser amount for which any claim or claims against the Insured
can be settled and the Underwriters shall be under no further liability in respect of such claim or claims except for costs or
expenses incurred prior to the date of such payment.
Limit of Liability
The liability of the Underwriters for all damages payable as a result of any one occurrence or of all occurrences of a series
consequent upon or attributable to one source or original cause shall not exceed the Limit of Indemnity stated in the
Schedule irrespective of the number of insured parties involved.
In addition the Underwriters will pay;
1 all other defence costs and expenses incurred with its prior written consent
2 the legal costs and expenses incurred with its written consent for the defence of prosecution brought under Section
36 or 37 of the Health and Safety at Work Act 1974 for any alleged offence as detailed in Section 33(1) (a) (b) or (c)
of the Act or under the Health and Safety at Work (Northern Ireland) Order 1978 under Article 31 including legal
costs and expenses incurred with the consent of the Underwriters in an appeal against conviction arising from
such proceedings provided that:
a) the proceedings relate to the health, safety and welfare of persons other than Employees
b) the Underwriters will not indemnify the Insured in respect of
i) fines and penalties
ii) costs or expenses insured by any other policy.
Overseas Personal Liability
The Underwriters will indemnify the Insured and if the Insured so request any director or partner of the Insured any
Employee or spouse of such person against legal liability incurred in a personal capacity whilst temporarily outside the
Territorial Limits in connection with the Business
The indemnity will not apply;
a) to legal liability arising out of the ownership or occupation of land or buildings
b) in respect of which any person referred to above is entitled to indemnity under any other insurance
Policy Exclusions
(The following Policy Exclusions are applicable to Sections One, Two and Three)
Asbestos Exclusion (applicable to Section Three only)
This insurance does not cover any loss, cost or 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 or materials or products containing asbestos whether or not there is another cause of loss which may
have contributed concurrently or in any sequence to a loss.
Contamination and Pollution Exclusion Clause
1. This Policy shall not cover any loss or Damage due to contamination, sooting, deposition, impairment with dust,
chemical precipitation, poisoning, epidemic and disease including but not limited to foot and mouth disease, pollution,
adulteration or impurification or due to any limitation or prevention of the use of objects because of hazards to health.
2. This Exclusion does not apply if such loss or Damage arises out of one or more of the following perils;
i) Fire, lightning, explosion, impact of aircraft
ii) vehicle impact, sonic boom
iii) accidental escape of water from any tank, apparatus or pipe
iv) riot, civil commotion, malicious damage
v) storm, hail
vi) flood inundation
vii) earthquake
viii) landslide, subsidence
ix) pressure of snow, avalanche
x) volcanic eruption
3. All other terms and conditions of this Policy shall be unaltered and especially the exclusions shall not be superseded by
this clause.

Electronic Data Endorsement

1) Electronic Data Exclusion
Notwithstanding any provision to the contrary within this Policy or any endorsement thereto, it is understood and agreed
as follows;
a) The Underwriters shall not be liable for any 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 contribution 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 matters described in the above paragraph, this Policy subject to all its terms conditions and exclusions will cover physical damage occurring during the Period of Insurance to the Property Insured by the original policy directly caused by such listed peril.

Listed Perils;
i) Fire
ii) Explosion

2) 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 backup or from originals of a previous generation. These costs will not include research and engineering nor 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 Insured or any other party, even if such Electronic Data cannot be recreated gathered or assembled.

(The following Policy Exclusions are applicable to Sections One, Two and Three)

Institute Radioactive Contamination Exclusion Clause
This clause shall be paramount and shall override anything contained in this Policy inconsistent therewith:
In no case shall this Policy cover loss Damage liability or expense directly or indirectly caused by or contributed to or arising
from;
i) ionizing radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel
ii) the radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation reactor or other nuclear assembly or nuclear component thereof
iii) any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.

Micro-Organism Exclusion Clause
This Policy does not cover any loss Damage claim cost expenses or other sum directly or indirectly arising out of or relating to 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 Defined Peril or cause whether or not contributing concurrently or in any way sequence
iii) any loss of use occupancy or functionality
iv) any action required including but not limited to repair replacement removal cleanup abatement disposal relocation or steps taken to address medical or legal concerns.
This Exclusion replaces and supersedes any provision in this Policy that provides insurance, in whole or in part, for these matters.

Northern Ireland Overriding Exclusion
Notwithstanding anything within the Policy or in any extensions thereof it is hereby declared and agreed that as an exclusion overriding all other terms (including the nature and terms of perils insured against) this Policy does not cover loss or destruction of or Damage to any property in Northern Ireland or loss resulting therefrom caused by or happening through or in consequence directly or indirectly of;
i) civil commotion
ii) any unlawful, wanton or malicious act committed maliciously by a person or persons acting on behalf of or in connection with any Unlawful Association
In any action suit or other proceedings where Underwriters allege that by reason of the provisions of this exclusion any loss, destruction or Damage or consequential loss is not covered by this Policy the burden of proving that such loss is covered shall be upon the Insured.

Nuclear Energy Risks Exclusion Clause
This Policy shall exclude Nuclear Energy Risks whether such risks are written directly and/or via Pools and/or Associations.
For the purpose of this Policy Nuclear Energy Risks shall be defined as all first party and or third party insurances 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.

(The following Policy Exclusions are applicable to Sections One, Two and Three)

Terrorism Exclusion Endorsement
Notwithstanding any provision to the contrary within this Policy or any endorsement thereto it is agreed that this Policy excludes loss, Damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from, arising out of or in connection with any act of Terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss.
For the purpose of this Endorsement an act of Terrorism means an act, including but not limited to 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 rganisation(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 any act of Terrorism.
If Underwriters allege that by reason of this exclusion, any loss, Damage, cost or expense is not covered by this Policy the burden of proving the contrary shall be upon the Insured.
In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and effect.

War and Civil War Exclusion Clause
Notwithstanding anything to the contrary contained herein this Policy does not cover loss or Damage directly or indirectly occasioned by happening through or in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority.

(The following Policy Exclusions are applicable to Sections One and Two only)

The insurance by these Sections does not cover;
1) Damage caused by or consisting of;
a) inherent vice, latent defect, gradual deterioration, wear and tear, frost, change in water table level, its own
faulty or defective design or materials
b) the bursting by steam pressure of a boiler economiser vessel machine or apparatus in which internal
pressure is due to steam only and belonging to or under the control of the Insured other than any boiler or
economiser on the Premises used for domestic purposes, such as a hot water and/or central
heating/ventilation system.
c) pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speeds
But this shall not exclude subsequent Damage or subsequent loss resulting from Damage which itself results from
a cause not otherwise excluded
2) Damage caused by or consisting of;
a) faulty or defective workmanship, operational error or omission on the part of the Insured or anEmployee
but this shall not exclude;
i) such Damage not otherwise excluded which itself results from a Defined Peril
ii) subsequent Damage which itself results from a cause not otherwise excluded
b) acts of fraud or dishonesty by the Insureds Employees
but this shall not exclude such Damage not otherwise excluded which itself results from a Defined Peril
3) Damage caused by or consisting of;
c) Corrosion, rust, wet or dry rot, shrinkage, evaporation, loss of weight, dampness, dryness, marring,
scratching, vermin or insects
d) change in temperature, colour, flavour, texture or finish
e) joint leakage, failure of welds, cracking, fracturing, collapse or overheating of boilers, economisers,
superheaters, pressure vessels or any range of steam and feed piping in connection therewith
f) mechanical or electrical breakdown or derangement of the particular machine, apparatus or equipment in
which such breakdown or derangement originates
g) in respect of Section 2 Rental Income - the deliberate act of a supply undertaking in withholding the supply of
water, gas, electricity, fuel or telecommunication services
But this will not exclude;
i) such Damage not otherwise excluded which itself results from a Defined Peril or from any other
accidental loss destruction or Damage
ii) subsequent Damage which results from a cause not otherwise excluded
4) Infidelity or dishonesty of the Insured or any Employee or other persons to whom Property Insured may be
entrusted, nor loss, destruction or Damage resulting from the Insured voluntarily parting with title or possession of
any property if induced to do so by any fraudulent scheme, trick, device or false pretence or any unexplained loss
or loss or shortage disclosed on taking inventory
5) Damage caused by or consisting of;
a) Subsidence, ground heave or landslip unless resulting from fire, explosion, earthquake or the escape of
water from any tank, apparatus or pipe
b) normal settlement or bedding down of new structures
6) Damage caused by or consisting of or arising directly or indirectly from;
a) Disappearance, unexplained or inventory shortage, misfiling or misplacing of information
b) in respect of Section 2 Rental Income:
i) erasure, loss, distortion or corruption of information on computer systems or other records,
programs or software caused deliberately by rioters, strikers, locked-out workers, persons taking
part in labour disturbances or civil commotion or malicious persons
ii) other erasure, loss, distortion or corruption of information on computer systems or other records,
programs or software unless resulting from a Defined Peril insofar as it is not otherwise excluded
7) In respect or Section 1 Buildings - destruction of or Damage to a building or structure caused by its own collapse or
cracking unless resulting from a Defined Peril in so far as it is not otherwise excluded
8) In respect or Section 2 Rental Income - loss resulting from destruction of or Damage to a building or structure used
by the Insured at the Premises caused by its own collapse or cracking unless resulting from a Defined Peril in so
far as it is not otherwise excluded
9) Damage in respect of movable property in the open, fences and gates by theft, wind, rain, haiI, sleet, snow, flood or
dust
10) Damage in respect of Unoccupied Buildings unless resulting from fire, lightning, aircraft or explosion
11) Damage n respect of;
a) glass (other than fixed Glass), china, earthenware, marble or other fragile or brittle objects
b) in respect of Section 1 Buildings - curiosities or works of art other than such Damage caused by a Defined
Peril and not otherwise excluded
12) Unless specifically mentioned as insured under Section 1 Buildings;
a) property or structures in course of construction or erection and materials or supplies in connection with all
such property in course of construction or erection
b) land, roads, pavements, piers, jetties, bridges, culverts or excavations
13) In respect of Section 1 Buildings - property which at the time of the happening of Damage is insured by or would
but for the existence of this Policy be insured by any marine policy or policies except in respect of any excess
beyond the amount which would have been payable under the marine policy or policies had this insurance not been
effected
14) In respect of Section 1 Buildings - any property more specifically insured by or on behalf of the Insured
Policy Exclusions
(The following Policy Exclusions are applicable to Section Three only)
15) Injury to any Employee
16) Loss of or Damage to;
a) property belonging to the Insured
b) property which is leased, let, rented, hired or lent to or which is the subject of a bailment to the Insured
17) Injury, loss or Damage caused by or in connection with or arising out of the ownership, possession or use by or on
behalf of the Insured of any;
a) Aircraft, hovercraft or watercraft
b) mechanically-propelled vehicle or trailer attached thereto (other than motorised garden implements used to
maintain the land belonging to the Premises described in the Schedule)
18) This Section will not indemnify the Insured for any sums for which the Insured is/or becomes liable to pay as a
result of any claim(s) made against the Insured or for any associated defence costs or expenses of any kind from
any liability arising directly or indirectly out of;
a) loss of alteration of or Damage to or
b) a reduction in the functionality availability or operation of
a computer system or programme, hardware, data information repository, microchip, integrated circuit or similar
device in computer equipment or non-computer equipment as a result of the Insureds e-activities.
For the purpose of this exclusion, e-activities means any use of electronic networks including the internet and
private networks, intranets, extranets, electronic mail, worldwide web and similar medium carried out by the
Insured or by any person, persons, partnership, firm or company acting for the Insured or on the Insureds behalf.

Policy Endorsements

(Applicable only if specified in the Schedule)

PO1 - Accidental Damage Extension
Section 1 is extended to cover the Property Insured specified in the Schedule against All Risks of accidental physical loss
or Damage occurring during the Period of Insurance at the Premises and subject to the Sums Insured specified in the
Schedule.
This Extension does not cover;
a) The amount of the Excess specified in the Schedule
b) Damage caused by or following upon subsidence, collapse, landslip, ground heave, settling, cracking, shrinkage or
expansion of any building or foundation
c) Mechanical and/or electrical derangement and/or breakdown, Breakage of valves, filaments and the like burning out
or Damage directly caused by short circuiting and/or claims arising from overheating
d) Damage caused by moth, vermin or insect, wear, tear, gradual deterioration, rust or oxidization, rot, mould or mildew,
inherent vice, latent defect, mysterious disappearance or unexplained shortage
e) Damage caused by faulty manipulation, scratching or denting or loss of magnetism and/or erasure of tapes or faulty
projection, shortage in weight, contamination, taint or insufficiency of insulation
f) Breakage of articles of a brittle nature (other than jewellery) unless such Breakage is caused by burglars, thieves or
fire and/or Breakage of Glass, over winding or internal damage of clocks and/or watches
g) Loss by delay, loss of market, consequential loss of any and every description
h) Damage which may be sustained whilst the Property Insured is being worked upon or is under any process and
directly resulting therefrom
i) Damage caused by climatic or atmospheric conditions or extremes of temperature
j) Infidelity or dishonesty by the Insured or any Employee(s) of the Insured
k) Damage to aircraft, watercraft, vehicles, livestock, growing timber or crops, jewellery, furs, watches, precious
metals/stones, Money, documents, data or word-processing, media or computer systems records
l) Damage insured more specifically under any other Section or Sections of this Policy or any other Insurance
m) Damage to TV and radio aerials, satellite dishes, aerial fittings and masts.

PO3 - Composite Panel Conditions
It is a condition precedent to liability that in respect of any Building containing composite panels that;
1) suitable fire extinguisher appliances to be supplied in all cooking areas
2) ducting, conduit wiring and hot flues be adequately protected within fire resistant sleeves where passing through
composite panels
3) at least weekly inspections to be undertaken by the Insured to check for damage to composite panels or panel
joints. Any defects found to be rectified without delay or replaced by a panel with a non-combustible core within 7
days
4) no repairs to be made to composite panels that involve welding, grinding, cutting or other obvious ignition sources
5) all heat sources to be kept at least 2 metres from any composite paneling or such paneling to be of a noncombustible
core
6) no external storage of combustible stock, packaging, pallets, waste or waste skips or bins within 10 metres of the
Buildings
7) any work involving the application of heat must only be carried out by a qualified Contractor and the Insured is to
ensure the Contractor has adequate Public Liability Insurance in force and shall confirm same through sight of
certificate of insurance. Subrogation rights against such Contractor shall not be waived by the Insured. The
following conditions precedent to liability apply:
i) the area in which work is to be carried out shall be adequately cleared and combustible materials shall be
removed to a distance not less than 6 metres from the area of proposed work
ii) if work is to be carried out overhead then the area beneath shall be similarly cleared and all combustible
materials removed
iii) suitable fire extinguisher with a capacity of not less than 9 litres shall be kept available for immediate use
iv) blow lamps and blow torches shall be lit in as short a time as possible before use and extinguished
immediately after use
v) lighted blow lamps and torches shall not be left unattended
vi) half an hour after each period of work a thorough examination shall be made of and in the area in which
works have been undertaken
vii) if work is to be carried out in the vicinity of composite/sandwich panels then such panels must be protected
by non-combustible blankets drapes or screens.

PO4 - Daily Waste Condition
It is a condition precedent to liability that all combustible trade waste and refuse will be removed from the Buildings every
night.

PO7 - Frying and Cooking Equipment Conditions
It is a condition precedent to liability that;
1) all frying and other cooking ranges, equipment, flues and exhaust ducting will be kept securely fixed and free from
contact with combustible materials
2) all extraction hoods, canopies, filters and grease traps will be cleaned at least every 2 weeks
3) all extraction ducts will be cleaned regularly and maintained and checked at least once every six months by a
specialist contractor
4) the record of such cleaning and servicing of the extraction ducts will be kept elsewhere other than at the Premises
and will be made available for inspection at any time
5) frying equipment will be installed, used and maintained in accordance with the manufacturer’s instructions
6) multi purpose fire extinguishers and at least one fire retardant blanket which conforms to the relevant British
Standard suitable for extinguishing oil and fat fires will be kept in close proximity to the working area of the range
and maintained ready for use
7) frying ranges will not be left unattended whilst in use
8) all naked flames (other than pilot lights) and all electrical elements will be turned of at the close of the working day.

(Applicable only if specified in the Schedule)

PO8 - Metal Workers Waste Condition
It is a condition precedent to liability that all oily and/or greasy waste and used cleaning cloths which remain in the Buildings
overnight will be kept in metal receptacles with metal lids and removed from the Buildings at least once a week.

PO11 - No Smoking Condition
It is a condition precedent to liability that smoking will not be permitted on the Premises at any time and signs to this effect
will be prominently displayed.

PO12 - Obsolete Building Clause
The basis of valuation for the purpose of average shall be;
1) the cost of purchasing a similar building to the insured building plus an allowance for removal of debris costs or
2) the cost of erecting a modern building providing comparable facilities to the insured building plus an allowance for
professional fees removal of debris costs and the additional expenditure which might arise out of local authorities’
requirements.

PO13 - Paint Spraying Conditions
It is a condition precedent to liability that all spraying of paints or varnishes with a flash point below 32 degrees centigrade
will be carried out in an area enclosed by non-combustible materials and extraction to the open air and any electrical
installation including that for extraction will be of flameproof design and any heating will be of the black-heat type and with
fully enclosed elements.
It is also a condition precedent to liability that;
1) only one days supply of flammables will be kept in the spraying area
2) all other flammables will be kept in a designated enclosed steel bin or if the stocks of same are substantial they will be
kept in a store with high and low level vents to the open air or forced flameproof extractor at floor level
3) all lighting will also be flameproof
4) smoking will be prohibited in the areas where processes are carried and signs to this effect will be prominently
displayed.
PO14 - Residential Tenants Clause
It is a condition precedent to liability that any Residential portion(s) of the Premises are not let or used by;
1) local authorities or the department of social security
2) students
3) asylum seekers.

PO16 - Storage of Combustible Materials in the Open Condition
It is a condition precedent to liability that no combustible materials are externally stored within ten metres of the Buildings
outside business hours.

PO18 - Survey Clause
Cover hereon is strictly subject to receipt by Underwriters of a satisfactory survey carried out by an authorised surveyor within 30 days of the inception date of this insurance or by a date to be agreed by the Underwriters and advised to the Insured.

The Underwriters reserve the right to cancel this insurance with immediate effect or impose special terms and conditions and/or revise the premium rate upon receipt of the survey.
The Insured shall implement the survey requirement(s) or as otherwise agreed by the Underwriters within a period to be agreed by the Underwriters and advised to the Insured.
If the Insured fails to implement the requirement(s) within the period agreed by the Underwriters then all coverage hereunder shall terminate at the end of said period.


PO21 - Unoccupancy Conditions Wider Perils
The Unoccupancy Conditions contained within the Policy Conditions are replaced by the following:-
It is a condition precedent to liability that when any building (or part thereof) are untenanted or Unoccupied;
a) all gas, water and electricity mains supplies will be kept disconnected (except those supplies required to maintain
automatic sprinkler installations, lighting or alarm systems which are to remain in operation for security or fire
protection purposes)
b) all water tanks, apparatus, pipes and heating other than those connected to automatic sprinkler systems must be
drained down
c) all reasonable precautions are taken to ensure that the buildings are secure against entry by intruders including:
i) securely locking and fastening all doors and windows
ii) any letter boxes being sealed
iii) setting all security and alarm protections in full operation and ensuring that the protections are in proper
working order
d) all waste refuse and other disused combustible materials will be cleared from the building and removed from the
Premises at least once a week
e) tanks containing fuel or other flammable liquids must be drained and purged within 7 days of the Buildings
becoming Unoccupied
f) the Buildings must be inspected at least once every 7 days by the Insured or the Insureds nominee in order to
inspect the Premises both internally and externally and to carry out any work necessary to maintain the above
security arrangements. A record will be kept of such inspections
g) notice is to be given to Underwriters when any untenanted or Unoccupied building (or part thereof) is again
occupied

Underwriters shall not be liable for any Damage or Injury arising out of or in connection with any works of alteration
demolition refurbishment or renovation.

Policy Exclusion 10 is hereby deleted.
Defined Perils are hereby restricted to fire, lightning, explosion, subsidence, landslip, heave, aircraft or other aerial devices
or articles dropped therefrom, riot ,civil commotion, strikers, locked out workers, persons taking part in labour disturbances,
malicious persons, earthquake, storm, flood or impact by any road vehicle or animal, falling trees, branches and falling
aerials.

PO22 - Use of Heat Conditions
It is a condition precedent to liability that the following precautions are complied with on each occasion of the use or
application of heat (as defined below) taking place on the Premises;
a) application of heat by means of electric, oxyacetylene or other welding or cutting equipment or angle grinders, blow
lamps, blow torches, hot air guns or hot air strippers;
i) the area in the immediate vicinity of the work (including in the case of work carried out on one side of a wall
or partition, the opposite side of the wall or partition) must be cleared of all loose combustible material; other
combustible material must be covered by sand or over-lapping sheets or screens of non-combustible
material
ii) at least two adequate and appropriate portable fire extinguishers, in proper working order, must be kept in
the immediate area of the work being undertaken and used immediately smoke or smouldering or flames are
detected
iii) a fire safety check of the working area must be made approximately 60 minutes after the completion of each
period of work and immediate steps taken to extinguish any smouldering or flames discovered
iv) blow lamps and blow torches must be filled in the open and must not be lit until immediately before use and
must be extinguished immediately after use
v) a person must be appointed by the Insured to act as an observer to watch for signs of smoke or
smouldering or flames
b) use of asphalt, bitumen, tar, pitch or lead heaters;
i) the heating must be carried out in the open in a vessel designed for the purpose and, if carried out on a roof,
the vessel must be placed on a non-combustible heat insulating base.

PO23 - Valley Gutter Condition
It is a condition precedent to liability that all valley gutters be inspected and cleared every six months.

PO24 - Weekly Waste Condition
It is a condition precedent to liability that all combustible trade waste and refuse will be swept up daily and kept in bags or
bins and removed from the Buildings at least once a week.

Policy Conditions

Alteration in Risk
This Policy shall be avoided if after the commencement of this insurance there is any alteration in risk;
a) by removal
b) by change of occupation or use of the Property Insured
c) whereby the risk of Damage accident or liability is increased
d) the Business is wound up or carried on by a liquidator or receiver or permanently discontinued
e) whereby the Insureds interest ceases except by will or operation of law
unless such alteration is admitted by the Underwriters in writing.

Arbitration
If any difference shall arise as to the amounts to be paid under this Policy (liability being otherwise admitted) such difference
shall be referred to an arbitrator to be appointed by the parties in accordance with statutory provisions. Where any difference
is by this Condition to be referred to arbitration the making of an award shall be a condition precedent to any right of action
against the Underwriters.

Asbestos Condition
1) This Policy only insures asbestos physically incorporated in an insured building or structure, and then only provides indemnity in respect of that part of the asbestos which has been physically Damaged during the Period of Insurance by one of these Listed Perils;
Fire, lightning, explosion, aircraft, riot or civil commotion, earthquake, subterranean fire, storm or flood, escape of water, impact ,sprinkler leakage, subsidence.
This coverage is subject to all limitations in the Policy to which this endorsement is attached and in addition to each of the following specific limitations;
a) the said building or structure must be insured under this Policy for Damage by a Listed Peril.
b) the Listed Peril must be the immediate sole cause of the Damage to the asbestos.
c) the Insured must report to the Underwriters the existence and cost of the Damage as soon as practicable after the Listed Peril first Damaged the asbestos.
However this Policy does not insure any such Damage first reported to the Underwriters more than 12 (twelve) months after the expiration or termination of the Period of Insurance.
This Policy shall provide no cover (whether for physical Damage business interruption delay of repair or other consequential loss) in respect of;
i) wear and tear or inherent defect, quality or vice in or of any asbestos
ii) any compliance with or breach of any legal or other duty or obligation (including without limitation any duty arising from any contract or statute, or any instruction, request or order of any court or governmental or regulatory authority) of any person in connection with the design manufacture installation use retention treatment management repair replacement or removal of any asbestos (Damaged or otherwise) or
iii) any asbestos which the Listed Peril has not physically Damaged.
2) Except as set forth in the foregoing Part A. of this endorsement, this Policy does not insure asbestos or any interest relating thereto.

Average
If, at the time of any Damage to Property Insured, the Sum Insured specified on the Schedule by the relevant item is less than the full value of the Property Insured by that item, the amount payable by the Underwriters will be proportionately reduced.

Cancellation
You may cancel this insurance within 14 days of the day you purchase this insurance or the day on which you receive the certificate wording, whichever is the later. Underwriters reserve their rights to charge a proportion of the premium or, if you have made a claim on this policy, to refund any premium.
This Policy may be cancelled at any time at the request of the Insured in writing to the Intermediary who effected the Policy, and the premium hereon shall be adjusted on the basis below.

If the Premises is unoccupied the following return shall be given
Up to 1 month 75%
2 months 65%
3 months 55%
4 months 50%
5 months 40%
6months 30%
7months 20%
8 months 10%
Over 8 months None
Subject to a minimum time on risk charge of £150.00 + IPT + original policy fee.
If the Premises are occupied then a pro-rata return will be issued subject to a minimum time on risk charge of £150.00 + IPT + original policy fee

Claims – Insureds Duties
On the happening of any event which may give rise to a claim the Insured shall;

a) General - applicable to all Sections;
i) notify the Underwriters immediately
ii) take all practicable steps to recover property lost and otherwise minimise the claim
iii) inform the Police immediately if the loss or Damage is caused by thieves, malicious persons or vandals or
by riot, civil commotion, strikes or labour disturbances
iv) give all information and assistance the Underwriters may require in a timely manner

b) Applicable to Section 1 – Buildings;
Within 30 days or such further time as the Underwriters may in writing allow deliver to the Underwriters a written
claim providing at their own expense all details proofs and information regarding the cause and amount of Damage
as the Underwriters may reasonably require together with details of any other insurances on any Property
Insured by this Policy and (if demanded) a statutory declaration of the truth of the claim and of any related matters
No claim under this Section shall be payable unless the terms of this condition have been complied with.

c) Applicable to Section 2 - Rental Income;
i) within 14 days after the expiry of the Indemnity Period or within such further time as the Underwriters
may in writing allow at their own expense deliver to the Underwriters a statement setting out particulars of
the claim together with details of all other insurances covering any part of the Damage or resulting loss of
rental income
ii) the Insured shall at their own expense also provide the Underwriters with such books of account and
other business books, vouchers, invoices, balance sheets, and other documents, proofs, information,
explanations and other evidence as may reasonably be required by the Underwriters for the purpose of
investigating or verifying such claim together with (if demanded) a statutory declaration of the truth of the
claim and of any related matter
No claim under this Section shall be payable unless the terms of this condition have been complied with and in the
event of non-compliance therewith in any respect any payment on account of the claim already made shall be
repaid to the Underwriters immediately.

d) Applicable to Section 3 – Property Owners Liability;
i) not make or allow to be made on their behalf any admission offer promise payment or indemnity without
the written consent of the Underwriters
ii) immediately forward to the Underwriters every letter claim writ summons and process immediately upon
receipt without acknowledgement
iii) advise the Underwriters in writing immediately they have any knowledge of any impending prosecution
inquest Fatal Accident or Ministry Enquiry.

Claims - Underwriters Rights
The Underwriters;
a) On the happening of Damage in respect of which a claim is made may without thereby incurring any liability or
diminishing any of the Underwriters rights under this Policy enter take or keep possession of the Premises where
such Damage has occurred and take possession of or require to be delivered to the Underwriters any Property
Insured and deal with such property for all reasonable purposes and in any reasonable manner
No property may be abandoned to the Underwriters whether taken possession of by the Underwriters or not.
b) shall have full discretion in the conduct of any proceeding and in the settlement of any claim.

Change in Tenancy Clause
The Insured must advise the Underwriters of all changes in tenancy or occupation within the Property Insured.

Conditions & Observance of Policy Terms
Every Condition shall from the time the Condition attached apply and continue to be in force during the whole currency of
this Policy and non-compliance with any such Condition whether it increases the risk of Damage or not shall be a bar to any
claim provided that whenever this Policy is renewed a claim occurring during the renewal period shall not be barred by
reason of a Condition not having being complied with at any time before the commencement of such period.
The due observance and fulfilment of the terms Provisions Conditions Special Clauses and Endorsements of this Policy by
the Insured in so far as they relate to anything to be done or complied with by the Insured will be a condition precedent to
any liability of the Underwriters except insofar as is necessary to comply with the requirements of any legislation enacted in
Great Britain Northern Ireland the Channel Islands or the Isle of Man relating to compulsory insurance of legal liability to
Employees.

Data Protection Act 1998
We may store your information on a computer and use it for administration, risk assessment, research and statistical purposes, marketing purposes and for crime prevention (see further details below). We will only disclose your personal details to third parties, if it is necessary for the performance of your contract with us.
In order to assess the terms of the insurance contract or administer claims that arise, we will need to collect data that the
Data Protection Act defines as sensitive such as medical history or criminal convictions. By proceeding with this contract you
will signify your consent to such information being processed by the insurers or their agents.
We will keep your information secure at all times. In certain circumstances, for example for systems administration purposes,
we may have to transfer your information to another country, which may be a country outside the European Economic Area
(“EEA”). By proceeding with your insurance application, we will assume you are agreeable for us to transfer your information
to a country outside the EEA.

Electrical Circuit Maintenance Condition
It is a condition precedent to liability that a current and valid electrical certificate is issued for the Premises and that electrical installation will be inspected and tested once every three years by a contractor approved by the National Inspection Council for Electrical Installation Contractors (NICEIC) and that defects found will be remedied forthwith in accordance with regulations of the institute of electrical engineers.

E.U. Disclosure Clause
The Parties are free to choose the law applicable to this Insurance Contract. Unless specifically agreed to the contrary this insurance shall be subject to English Law.

Financial Services Compensation Scheme
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends upon the type of business and the circumstances of the claim.
Further information about compensation scheme arrangements is available from the FSCS.

Fraud
If any claim be in any respect fraudulent or if any fraudulent means or devices be used by the Insured or anyone acting on their behalf to obtain any benefit under this Policy or if any Damage be occasioned by the wilful act or with the connivance of the Insured all benefit under this Policy shall be forfeited.

Identification
This Policy and the Schedule (which forms an integral part of this Policy) shall be read together as one contract and words and expressions to which specific meanings have been attached in any part of this Policy or of the Schedule shall bear such specific meanings wherever they may appear.

Minimum Security Requirements (A)
a) It is a condition precedent to liability under this Policy that all protections provided for the safety of the Premises shall
be maintained in good order and shall not be withdrawn altered or varied without the prior consent of the Underwriters and shall be in full and effective operation when the Premises are closed for Business or left unattended, and at all other appropriate times
b) It is a condition precedent to liability under this Policy that any alarm and/or system forming part of the protections shall be maintained in full and efficient working order under a contract to provide both corrective and preventive maintenance with the installing company or in accordance with the manufacturer’s recommendations
c) In the event of the Insured receiving any notification;
i) that the police authority attendance or any contractually provided attendance in response to alarm signals and/or calls from any alarm system may be withdrawn or the level of response reduced or delayed or
ii) from a Local Authority or Magistrate imposing any requirement for abatement of nuisance in respect of any
alarm system or
iii) that any alarm system cannot be returned to or maintained in full working order then with immediate effect:
1) it shall be a condition precedent to liability under this Policy that the Insured shall notify Underwriters as soon as possible, at which time Underwriters shall reserve the right to vary terms or cancel cover provided under this Policy
2) the Insured shall be responsible for the first 20% of any loss destruction or Damage by theft or attempted theft subject to a minimum contribution of GBP2,500
3) it shall be a condition precedent to liability under this Policy that the Insured shall comply with any requirements that Underwriters impose in response to such notice.

Misrepresentation and misdescription
This Policy shall be voidable in any event of misrepresentation misdescription or non-disclosure in any material particular.

Non Invalidation Clause
The Insurance of this Section shall not be invalidated by any act, omission or alteration whereby the risk of Damage is
increased unknown to or beyond the control of the Insured provided that, immediately the Insured becomes aware thereof
they shall give notice to Underwriters and pay an additional premium if required.

Other lnsurances and Average
a) Applicable to Section 1 – Buildings;
i) if at the time of any Damage there is any other insurance effected by or on behalf of the Insured covering any of the property Damaged the liability of the Underwriters hereunder shall be limited to its rateable proportion of such Damage
ii) if any other insurance shall be subject to any average (under insurance) condition this Section if not already subject to any Condition of Average shall be subject to Average in like manner
iii) if any other insurance is subject to any provision whereby it is excluded from ranking concurrently with this Section either in whole or in part or from contributing rateably the liability of the Underwriters hereunder shall be limited to that proportion of the Damage as the Sum Insured hereby bears to the value of the property.
b) Applicable to Section 2 - Rental Income;
If at the time of any Damage resulting in a loss under this Section there be any other insurance effected by or on behalf of the Insured covering such loss or any part of it the liability of the Underwriters hereunder shall be limited to its rateable proportion of such loss
c) Applicable to Section 3 - Property Owners Liability;
The Underwriters will not indemnify the Insured in respect of liability which is insured by or would but for the existence of the Section be insured by any other policy except in respect of any excess beyond the amount payable under such other policy had this insurance not been effected.

Pipe Lagging Condition
It is a condition precedent to liability that either;
a) there is a heating system linked to a frost-stat and a minimum temperature of 4°C is maintained between 31st October
and 31st March or
b) all pipes are adequately lagged.
Portable Heating Condition
It is a condition precedent to liability that there will be no use or storage on the Premises of paraffin or portable gas heaters
or containers unless specifically agreed by the Underwriters prior to such use or storage.

Reasonable Precautions
The Insured shall;
a) take all reasonable precautions to prevent occurrences which may give rise to Damage or accidents
b) take all reasonable steps to comply with statutory requirements obligations and regulations imposed by any authority
c) take immediate steps to make good or remedy any defect or danger which becomes apparent or take such additional
precautions as circumstances may require.

Reinstatement
If any Property Insured by Section 1 - Buildings is to be reinstated or replaced by the Underwriters the Insured shall at their own expense provide all such plans documents books and information as may be reasonably required. The Underwriters shall not be bound to reinstate exactly but only as circumstances permit and in a reasonably sufficient manner and shall not in any case be bound to expend in respect of any one of the items insured more than its Sum Insured.

Several Liability Notice
The subscribing Underwriters obligations under contracts of insurance to which they subscribe are several and not joint and are limited solely to the extent of their individual subscriptions. The subscribing Underwriters are not responsible for the subscription of any co subscribing Underwriter who for any reason does not satisfy all or part of its obligations.

Subrogation
Any claimant under this Policy shall at the request and at the expense of the Underwriters take and permit to be taken all necessary steps for enforcing rights against any other party in the name of the Insured before or after any payment is made by the Underwriters
The Underwriters shall be entitled to take over and conduct in the name of the Insured the defence or settlement of any claim or to prosecute in the name of the Insured at its own expense and for its own benefit any claim for indemnity or damages or otherwise.

Unoccupancy Conditions
It is a condition precedent to liability that when any building (or part thereof) are untenanted or Unoccupied;
a) all gas, water and electricity mains supplies will be kept disconnected (except those supplies required to maintain
automatic sprinkler installations, lighting or alarm systems which are to remain in operation for security or fire protection purposes)
b) all water tanks, apparatus, pipes and heating other than those connected to automatic sprinkler systems must be
drained down
c) all reasonable precautions are taken to ensure that the buildings are secure against entry by intruders including:
i) securely locking and fastening all doors and windows
ii) any letter boxes being sealed
iii) setting all security and alarm protections in full operation and ensuring that the protections are in proper working order
d) all waste refuse and other disused combustible materials will be cleared from the building and removed from the Premises at least once a week
e) tanks containing fuel or other flammable liquids must be drained and purged within 7 days of the Buildings becoming noccupied
f) the Buildings must be inspected at least once every 7 days by the Insured or the Insureds nominee in order to inspect the Premises both internally and externally and to carry out any work necessary to maintain the above security arrangements. A record will be kept of such inspections
g) notice is to be given to Underwriters when any untenanted or Unoccupied building (or part thereof) is again occupied Underwriters shall not be liable for any Damage or Injury arising out of or in connection with any works of alteration demolition refurbishment or renovation.

Defined Perils are hereby restricted to fire lightning aircraft explosion subsidence landslip and heave only.

 

Enterprise Insurance Services, Registered Office Unit 1 Broadfield Court, Broadfield Road, Sheffield, South Yorkshire, S8 0XF is regulated by the Financial Services Authority (FSA)

©Enterprise Group 2012