If the business be conducted in departments, the independent trading results of which are ascertainable, the provisions of clauses (a) and (b) of the item No.1 on Gross profit and item No.2 on Wages shall apply separately to each department affected by the damage, except that
- If the sum insured by item No.1 be less than the aggregate of the sums produced by applying the Rate of Gross Profit for each department of the business (whether affected by the damage or not) to its relative Annual Turnover thereof the amount payable under Item No.1 shall be proportionately reduced.
- If the sum insured by item No.2 be less than aggregate of the sums produced by applying the Rate of Wages for each department of the business (whether affected by the damage or not) to its relative Annual Turnover thereof the amount payable under Item No.2 shall be proportionately reduced.