RECOVERY CHARGES R-Clauses|December 19, 2016by IMAM MUSJAB If the Insured shall sustain any loss covered by this
REPLACEMENT VALUE CLAUSE R-Clauses|December 19, 2016by IMAM MUSJAB (Applicable only for equipments not exceeding 5 years old) Notwithstanding
MONEY AND SECURITIES EXTENSION M-Clauses|December 19, 2016by IMAM MUSJAB It is hereby declared and agreed that, notwithstanding Exception “Excluded
AUDITORS AND ACCOUNTANTS FEES CLAUSE A-Clauses|December 19, 2016by IMAM MUSJAB The insurance under this clause is limited to reasonable fees
CLAIM PREPARATION COST CLAUSE (sub limit IDR 500,000,000 any one loss or series of losses arising from any one event) C-Clauses|December 19, 2016by IMAM MUSJAB The insurance under this item is to cover such reasonable
CLAIM PREPARATION FEES CLAUSE C-Clauses|December 19, 2016by IMAM MUSJAB This insurance is extended to cover costs and expenses reasonably
ACCUMULATION OF STOCKS CLAUSE A-Clauses|December 19, 2016by IMAM MUSJAB In adjusting any loss, account shall be taken and an
MATERIAL DAMAGE EXCESS WAIVER M-Clauses|December 19, 2016by IMAM MUSJAB Notwithstanding anything contained herein it is agreed that should the
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