CUSTOMERS EXTENSION C-Clauses|December 19, 2016by IMAM MUSJAB Subject to the Conditions of the Policy loss as insured
SUPPLIERS EXTENSION S-Clauses|December 19, 2016by IMAM MUSJAB Subject to the conditions of the Policy loss as insured
PREMIUM ADJUSTMENT CLAUSE P-Clauses|December 19, 2016by IMAM MUSJAB The premium of this Policy of provisional and the insurer
ACCOUNTANTS CLAUSE A-Clauses|December 19, 2016by IMAM MUSJAB It is understood and agreed that any particulars of details
AUDITORS CHARGES CLAUSE A-Clauses|December 19, 2016by IMAM MUSJAB The Insured under item (3) is limited to the reasonable
REINSTATEMENT OF LOSS CLAUSE R-Clauses|December 19, 2016by IMAM MUSJAB In consideration of the Insured undertaking to pay an additional
INCREASE BUSINESS CLAUSE (10%) I-Clauses|December 19, 2016by IMAM MUSJAB In the event of the gross profit earned during any
NOTIFICATION OF CLAIM CLAUSE N-Clauses|December 19, 2016by IMAM MUSJAB On the happening of any damage in consequence of which
SMOKE ENDORSEMENT S-Clauses|December 19, 2016by IMAM MUSJAB The term “Smoke”, shall mean only due to fire which
DEPARTMENTAL CLAUSE D-Clauses|December 19, 2016December 19, 2016by IMAM MUSJAB If the business be conducted in separate companies and/or departments,
TURNOVER/OUTPUT ALTERNATIVE T-Clauses|December 19, 2016by IMAM MUSJAB At the option of the Insured the term “output” may
INTERESTS OF OTHER PARTIES I-Clauses|December 19, 2016by IMAM MUSJAB The insurable interest of only those lessors, financiers, trustees, mortgagees,
ALTERATION AND MISDESCRIPTION CLAUSE A-Clauses|December 19, 2016by IMAM MUSJAB It is understood and agreed that this insurance shall not
ACCUMULATION OF STOCKS CLAUSE A-Clauses|December 19, 2016by IMAM MUSJAB In adjusting any loss, account shall be taken and an
PROGRESS CLAIM PAYMENT CLAUSE P-Clauses|December 19, 2016by IMAM MUSJAB Provided that liability has been admitted progress payment on account
30 (THIRTY) DAYS CANCELLATION CLAUSE T-Clauses|December 19, 2016by IMAM MUSJAB Both the Insured and the Company are entitled to terminate
PREVENTION OF ACCESS CLAUSE ( 7 DAYS TIME EXCESS) P-Clauses|December 19, 2016by IMAM MUSJAB In consideration of the payment of a additional premium which
PORT BLOCKAGE CLAUSE P-Clauses|December 19, 2016by IMAM MUSJAB It is agreed and declared that the Insurance provided under
PREPARATION OF CLAIM CLAUSE P-Clauses|December 19, 2016by IMAM MUSJAB This insurance is extended to cover costs and expenses reasonably
MURDER, ASSAULTS AND SUICIDE EXTENSION M-Clauses|December 19, 2016by IMAM MUSJAB It is hereby noted and agreed that the term damage
PUBLIC UTILITY CLAUSE P-Clauses|December 19, 2016by IMAM MUSJAB In consideration of the payment of an additional premium which
RETURN OF PREMIUM CLAUSE R-Clauses|December 19, 2016by IMAM MUSJAB In the event of Gross Profit earned during the financial
UPWARD ADJUSTMENT CLAUSE (25%) U-Clauses|December 19, 2016by IMAM MUSJAB The Insurance extends to cover any increase in Gross Profit
PLANS AND DOCUMENTS CLAUSE P-Clauses|December 19, 2016by IMAM MUSJAB It is understood and agreed that this policy will also
PROFESSIONAL ACCOUNTANTS CLAUSE P-Clauses|December 19, 2016by IMAM MUSJAB Any particulars or details contained in the Insured’s books of
SALVAGE SALE CLAUSE S-Clauses|December 19, 2016by IMAM MUSJAB If following damage giving rise to a claim under this
WAIVER OF SUBROGATION CLAUSE (FOR SUBSIDIARIES ONLY) W-Clauses|December 19, 2016by IMAM MUSJAB Any claimant under this Policy shall at the request and
RETURN OF PREMIUM CLAUSE (1/3) R-Clauses|December 19, 2016by IMAM MUSJAB In the event of Gross Profit earned during the financial
NEW BUSINESS CLAUSE N-Clauses|December 19, 2016by IMAM MUSJAB In the event of Damage occurring at the Premises before
PUBLIC UTILITIES CLAUSE (30 days) P-Clauses|December 19, 2016by IMAM MUSJAB Any loss resulting from interruption of or interference with the
GROSS PROFIT G-Clauses|December 19, 2016by IMAM MUSJAB The insurance under this item is limited to loss of
FAILURE OF PUBLIC UTILITIES CLAUSE F-Clauses|December 19, 2016by IMAM MUSJAB Loss as Insured by this Policy resulting from interruption of
DENIAL OF ACCESS CLAUSE D-Clauses|December 19, 2016by IMAM MUSJAB It is hereby agreed and declared that loss as insured,
DEPARTMENTAL CLAUSE D-Clauses|December 19, 2016by IMAM MUSJAB If the business be conducted in separate companies and/or departments,
BOOK OF ACCOUNT CLAUSE B-Clauses|December 19, 2016by IMAM MUSJAB Any particulars or details contained in the Insured’s books of
ADDITIONAL INCREASE IN COST OF WORKING (LIMIT AS PER SCHEDULE) A-Clauses|December 19, 2016by IMAM MUSJAB This insurance hereby covers additional increased cost of working reasonably
ALTERNATIVE TRADING CLAUSE A-Clauses|December 19, 2016by IMAM MUSJAB If during the indemnity period goods shall be sold or
SHORT CIRCUIT EXTENDED COVER S-Clauses|December 19, 2016by IMAM MUSJAB It is hereby noted and agreed that subject to the
INFECTIOUS OR CONTAGIOUS DISEASE, MURDER OR SUICIDE CLAUSE (Limit USD. ….. / …days time excess) I-Clauses|December 19, 2016by IMAM MUSJAB It is hereby declared and agreed that the insurance by
MINOR CONSTRUCTION AND ERECTION CLAUSE M-Clauses|December 19, 2016by IMAM MUSJAB It is hereby declared and agreed that this policy is
ALTERNATIVE ACCOMMODATION CLAUSE A-Clauses|December 19, 2016by IMAM MUSJAB It is hereby declared and agreed that this policy is
AUTOMATIC COVER ON NEW LOCATION CLAUSE A-Clauses|December 19, 2016by IMAM MUSJAB It is hereby noted and agreed that during the currency
DUTIES AND TAXES CLAUSE D-Clauses|December 19, 2016by IMAM MUSJAB The insurer will also reimburse the Insured for customs and
FULL PREMIUM IF LOST CLAUSE F-Clauses|December 19, 2016by IMAM MUSJAB It is understood agreed that in the event of the
QBE POOL’S CLAIMS CONTROL CLAUSE Q-Clauses|December 19, 2016by IMAM MUSJAB It is a condition of this reinsurance that the Reinsured
RESIDUAL VALUE CLAUSE R-Clauses|December 19, 2016by IMAM MUSJAB The Insured is allowed to retain the temporary buildings, temporary
RUNNING IN CONJUNCTION CLAUSE R-Clauses|December 19, 2016by IMAM MUSJAB It is hereby agreed that notwithstanding anything to the contrary
TERORISM EXCLUSION CLAUSE (NMA 2920) T-Clauses|December 19, 2016by IMAM MUSJAB Notwithstanding any provision to the contrary within this insurance or
ELECTRONIC DATE RECOGNITION EXCLUSION CLAUSE “B” E-Clauses|December 19, 2016by IMAM MUSJAB This policy does not provide cover in respect of any
CYBER RISKS EXCLUSION CLAUSE (NMA 2915) C-Clauses|December 19, 2016by IMAM MUSJAB Losses arising, directly or indirectly out of (i) loss of,
TERRORISM EXCLUSION CLAUSE (NMA 2920) T-Clauses|December 19, 2016by IMAM MUSJAB Notwithstanding any provision to the contrary within this insurance or
ELECTRONIC DATA ENDORSEMENT B (NMA 2915) E-Clauses|December 19, 2016by IMAM MUSJAB Notwithstanding any provision to the contrary within the Policy or
WINDSTORM, TYPHOON, TEMPEST, FLOOD AND WATER DAMAGE EXCLUSION CLAUSE W-Clauses|December 19, 2016by IMAM MUSJAB It is hereby noted and agreed that this insurance shall
WINDSTORM, TYPHOON, TEMPEST, FLOOD AND WATER DAMAGE EXCLUSION CLAUSE W-Clauses|December 19, 2016by IMAM MUSJAB It is hereby noted and agreed that this insurance shall
TERRORISM EXCLUSION ENDORSEMENT T-Clauses|December 19, 2016by IMAM MUSJAB Notwithstanding any provision to contrary within this Insurance or any
PERIL OF LANDSLIDE CLAUSE (4.10) P-Clauses|December 19, 2016by IMAM MUSJAB In consideration of the payment of an additional premium as
TYPHOON, STORM, FLOOD & WATER DAMAGE T-Clauses|December 19, 2016by IMAM MUSJAB In consideration of the payment by the Insured of an
STRIKE RIOT AND CIVIL COMMOTION (SRCC) S-Clauses|December 19, 2016by IMAM MUSJAB It is hereby agreed and understood that otherwise subject to
ELECTRONIC DATA RECOGNITION CLAUSE (EVET) E-Clauses|December 19, 2016by IMAM MUSJAB The insurance is extended to include notwithstanding any provision to
ELECTRONIC DATA EXCLUSION E-Clauses|December 19, 2016by IMAM MUSJAB Notwithstanding any provision to the contrary in the policy or
CYBER NON – AGGREGATION CLAUSE (NMA2915) C-Clauses|December 19, 2016by IMAM MUSJAB Losses arising directly or indirectly out of Loss of, alteration
EARTHQUAKE EXCLUSION CLAUSE E-Clauses|December 19, 2016by IMAM MUSJAB It is hereby noted and agreed that this insurance shall
WORK OF ART CLAUSE W-Clauses|December 19, 2016by IMAM MUSJAB Notwithstanding anything contained herein, This policy is extended to cover
WORKMEN’S CLAUSE W-Clauses|December 19, 2016by IMAM MUSJAB Workmen are allowed in and about any of the described
TENANT IMPROVEMENTS CLAUSE T-Clauses|December 19, 2016by IMAM MUSJAB The insurance by this Policy extends to include tenants improvement
SUE AND LABOR CLAUSE S-Clauses|December 19, 2016by IMAM MUSJAB In the case of loss, it shall be lawful and
SILENT RISK CLAUSE S-Clauses|December 19, 2016by IMAM MUSJAB Warranted that during the currency of this policy the said
SPRINKLER LEAKAGE CLAUSE S-Clauses|December 19, 2016by IMAM MUSJAB It is hereby agreed declared that the insurance under the
STORAGE OF HAZARDOUS GOODS WARRANTY C S-Clauses|December 19, 2016by IMAM MUSJAB Warranted under penalty of nullity of this Policy that during
STORAGE WARRANTY S-Clauses|December 19, 2016by IMAM MUSJAB Warranted that during the currency of this policy no part
SPECIAL ELECTRICAL SHORT CIRCUIT COVERAGE CLAUSE S-Clauses|December 19, 2016by IMAM MUSJAB it is hereby expressly understood and agreed that in consideration
SEVENTY TWO (72) HOURS CLAUSE S-Clauses|December 19, 2016by IMAM MUSJAB It is agreed that any loss or damage to the
SILENT RISK CLAUSE S-Clauses|December 19, 2016by IMAM MUSJAB Warranted that during the currency of this policy the said
STORAGE OF HAZARDOUS GOODS WARRANTY C S-Clauses|December 19, 2016by IMAM MUSJAB Warranted under penalty of nullity of this Policy that during
SPONTANEOUS COMBUSTION CLAUSE S-Clauses|December 19, 2016by IMAM MUSJAB It is hereby declared and agreed that this Insurance covers
SELF COMBUSTION COVERAGE CLAUSE S-Clauses|December 19, 2016by IMAM MUSJAB Subject to the warranty underneath, it is hereby expressly understood
SALVAGE AND RECOVERIES CLAUSE S-Clauses|December 19, 2016by IMAM MUSJAB Any salvage or other recovery, after expenses incurred in salvage
REMOVAL OF DEBRIS CLAUSE (EVET) R-Clauses|December 19, 2016by IMAM MUSJAB Subject to additional premium to be paid, it is hereby
REMOVAL OF DEBRIS CLAUSE R-Clauses|December 19, 2016by IMAM MUSJAB In consideration of the payment of an additional premium this
REMOVAL PERMIT CLAUSE R-Clauses|December 19, 2016by IMAM MUSJAB It is hereby understood and agree that this policy shall
REINSTATEMENT OF LOSS CLAUSE (EVET) R-Clauses|December 19, 2016by IMAM MUSJAB In consideration of the Insured undertaking to pay additional premium
REINSTATEMENT ADDITIONAL PREMIUM CLAUSE (EVET) R-Clauses|December 19, 2016by IMAM MUSJAB It is hereby understood that in case of reinstatement of
REINSTATEMENT OF SUM INSURED CLAUSE R-Clauses|December 19, 2016by IMAM MUSJAB The insurance by this policy shall not be reduced by
REINSTATEMENT VALUE CLAUSE R-Clauses|December 19, 2016by IMAM MUSJAB It is hereby agreed that in the event of the
REINSTATEMENT ADDITIONAL PREMIUM (COMPULSORY CLAUSE) R-Clauses|December 19, 2016by IMAM MUSJAB It is understood and agreed that in the event of
REPLACEMENT VALUE WITH TECHNOLOGICAL ADVANCES CLAUSE R-Clauses|December 19, 2016by IMAM MUSJAB Electronic equipment or any part thereof shall be valued at
REPLACEMENT VALUE CLAUSE R-Clauses|December 19, 2016by IMAM MUSJAB It is understood and agreed that otherwise subject to the
PUBLIC UTILITIES CLAUSE (BI) P-Clauses|December 19, 2016by IMAM MUSJAB In consideration of the payment of an additional premium which
PAIR AND SET CLAUSE (full amount) P-Clauses|December 19, 2016by IMAM MUSJAB It is hereby noted and agreed that in case of
PAIRS AND SETS CLAUSE (partial amount) P-Clauses|December 19, 2016by IMAM MUSJAB Where any insured items consists of articles in a pair
PROPERTY DAMAGE CLARIFICATION CLAUSE (EVET) P-Clauses|December 19, 2016by IMAM MUSJAB It is hereby declared and agreed that property damage covered
OUTBUILDINGS CLAUSE O-Clauses|December 19, 2016by IMAM MUSJAB The insurance by each item under buildings is understood to
NON-INVALIDATION CLAUSE (EVET) N-Clauses|December 19, 2016by IMAM MUSJAB It is hereby agreed that this insurance shall not be
MOLD AND FUNGI ENDORSEMENT M-Clauses|December 19, 2016by IMAM MUSJAB This Policy only insures physical loss or damage to property
SETTLEMENT OF DISPUTE (COURT OF LAW) CLAUSE S-Clauses|December 19, 2016by IMAM MUSJAB It is hereby noted and agreed that the Insured and
SETTLEMENT OF DISPUTE (ARBITRATION) CLAUSE S-Clauses|December 19, 2016by IMAM MUSJAB It is hereby noted and agreed that the Insured and
MEMORANDUM ON DISPUTE CLAUSE (C) M-Clauses|December 19, 2016by IMAM MUSJAB In the event of any dispute arising between the Insurer
MIS-DESCRIPTION CLAUSE (EVET) M-Clauses|December 19, 2016by IMAM MUSJAB It is noted and agreed that this Insurance shall notify
MIS-DESCRIPTION CLAUSE M-Clauses|December 19, 2016by IMAM MUSJAB It is understood and agreed that this Insurance shall notify
LOSS PAYABLE CLAUSE L-Clauses|December 19, 2016by IMAM MUSJAB The insurance to which this loss payable clause has been