Asuransi Bangunan Tempat Usaha dan Isi Bangunan

Asuransi Bangunan Tempat Usaha dan Isi Bangunan adalah produk asuransiyang dirancang dalam rangka memenuhi kebutuhan pada pengusaha kecil menengah akan perlindungan asuransi secara menyeluruh untuk tempat usaha.

Produk yang komprehensif karena :

§  Perlindungan lengkap dan menyeluruh

§  Proses Penutupan Langsung

§  15 Okupasi yang dapat dijamin dalam paket produk ini

§  Diperluas dengan Jaminan sesuai kebutuhan pelaku usaha

§  Tertanggung nyaman dalam menjalankan usaha

15 Okupasi yang bisa dijamin dalam Paket Produk Ini & Tarif Suku Premi Pertahun yaitu :

1.      0,1968% – Toko

2.      0,1926% – Restoran

3.      0,1484% – Showroom

4.      0,1417% – Rumah Produksi

5.      0,1369% – Apotik / Optik

6.      0,1318% – Hotel Melati atau Hotel Bintang 3

7.      0,1211% – Salon Kecantikan / Barber Shop

8.      0,1015% – Studio Musik / Pemancar Radio

9.      0,0987% – Fitness dan Sport Centre

10.  0,0960% – Wartel / Warnet

11.  0,0939% – Sudio Foto / Cuci Cetak

12.  0,0826% – Sekolah, Universitas, Tempat Kursus

13.  0,0797% – Rumah Sakit, Klinik Dokter, Lab Kesehatan

14.  0,0769% – Kantor (yang berlokasi di perkantoran/Rukan)

Syarat Konstruksi :

§  Kelas 1

§  Bangunan dikatakan berkonstruksi kelas 1 (satu) apabila dinding, lantai dan semua komponen penunjang strukturalnya serta penutup atap terbuat seluruhnya dan sepenuhnya dari bahan- bahan yang tidak mudah terbakar.Jendela-jendela  dan/atau  pintu-pintu  beserta  kerangkanya,  dinding partisi dan penutup lantai boleh diabaikan.

§  Jumlah Lantai Maksimum 6 Lantai

§  NIlai Pertanggungan / Jaminan Rp. 200 Juta s/d Rp. 10 Milyar (Bangunan dan Isi)

Perlindungan Menyeluruh, yaitu perlindungan terhadap diri Anda, usaha anda, Karyawan dan Pelanggan anda, secara lebih rinci Jaminan meliputi sbb :

§  Fire

§  100% dari Total Nilai Pertanggungan (dikurangi Resiko Sendiri)

§  Resiko Sendiri : 5% dari Klaim minimal 0,1% dari total nilai pertanggungan (mana yang lebih besar)

§  Menjamin kerugian yang terjadi pada obyek pertanggungan yang disebabkan oleh Kebakaran, Petir, ledakan, kejatuhan pesawat terbang dan asap sesuai ketentuan didalam polis

§  RSMDCC

§  100% dari Total Nilai Pertanggungan (dikurangi Resiko Sendiri)

§  Resiko Sendiri : 5% dari Klaim minimal 0,1% dari total nilai pertanggungan (mana yang lebih besar)

§  Menjamin kerugian yang terjadi pada obyek pertanggungan yang disebabkan oleh Kerusuhan, Pemogokan, Perbuatan Jahat dan huru-hara sesuai ketentuan didalam polis

§  Burglary

§  100% dari Total Nilai Pertanggungan (dikurangi Resiko Sendiri)

§  Resiko Sendiri : 5% dari Klaim minimal 0,1% dari total nilai pertanggungan (mana yang lebih besar)

§  Menjamin kerugian yang terjadi pada obyek pertanggungan yang mengalami kehilangan atau kerusakan yang diakibatkan oleh pembongkaran atau pencurian secara paksa dan/atau dengan kekerasan sesuai ketentuan didalam polis

§  Accidental Damage

§  100% dari Total Nilai Pertanggungan (dikurangi Resiko Sendiri)

§  Resiko Sendiri : 5% dari Klaim minimal 0,1% dari total nilai pertanggungan (mana yang lebih besar)

§  memberi ganti rugi / biaya perbaikan atas kerusakan seluruhnya atau sebagian pada obyek pertanggungan yang disebabkan oleh benturan fisik yang terjadi secara tiba-tiba, tidak terduga sesuai ketentuan didalam polis

§  Landslide & Subsidence

§  100% dari Total Nilai Pertanggungan (dikurangi Resiko Sendiri)

§  Resiko Sendiri : 5% dari Klaim minimal 0,1% dari total nilai pertanggungan (mana yang lebih besar)

§  Menjamin kerugian atau kerusakan yang terjadi pada obyek pertanggungan yang secara langsung disebabkan oleh tanah longsor dan/atau turunnya permukaan tanah sesuai ketentuan didalam polis

§  Perluasan Jaminan :

§  Kecelakaan Diri

§  Memberikan santunan atas kematian atau cacat tetap keseluruhan yang disebabkan suatu kecelakaan menimpa tertanggung, pasangan tertanggung, karyawan, pelanggan dari sebab risiko yang dijamin dalam polis sesuai ketentuan dalam polis.

§  Tertanggung dan Pasangan (24 Hours) – Masing-masing 1% dari total nilai pertanggungan

§  Karyawan (dilokasi pertanggungan) – 0,5% dari total Nilai pertanggungan/orang, maksimum 2,5% dari total nilai pertanggungan

§  Pelanggan (dilokasi pertanggungan) – 0,5% dari total Nilai pertanggungan/orang, maksimum 2,5% dari total nilai pertanggungan

§  Tanggung Jawab Hukum (Liability)

§  Menjamin kerugian cedera badan atau kerusakan harta benda pihak ketiga (bukan keluarga ataupun orang yang bekerja pada tertanggung) atas kecelakaan yang terjadi secara tidak sengaja dari sebab risiko yang dijamin dalam polis sesuai ketentuan dalam polis

§  Maksimum 5% dari Total Nilai Pertanggungan

§  Resiko Sendiri : 10% dari Klaim minimal Rp. 1 Juta  (mana yang lebih besar)

§  Kelangsungan Usaha (Karena Fire, RSMDCC, Subsidence & Landslide)

§  Penanggung akan memberikan dana talangan apabila teradi kerusakan pada obyek pertanggungan dengan kerugian minimal Rp. 25 Juta dari harga pertanggungan ang disebabkan oleh Fire, RSMDCC, Landslide & Subsidence sesuai ketentuan didalam polis

§  2,5% dari Total Nilai Pertanggungan

§  Biaya Pengobatan (Karena Kebakaran)

§  Memberikan Jaminan manfaat biaya pengobatan kepada tertanggung, pasangan tertanggung, karyawan dan pelanggan karena luka badan yang diakibatkan secara langsung dari peristiwa kebakaran pada obyek pertanggungan dan teradi dilokasi pertanggungan.

§  Maksimum 1% dari Total Nilai Pertanggungan

§  Biaya Jasa Dinas Kebakaran

§  Memberikan penggantian biaya-biaya yang wajar dan layak dalam rangka penggunaan Jasa Dinas Pemadam Kebakaran guna melindungi obyek pertanggungan

§  Maksimum Rp. 25 Juta

§  Biaya Alat Pemadam Kebakaran

§  Memberikan biaya untuk pengisian ulang alat pemadam kebakaran yang disebabkan oleh Risiko yang dijamin didalam polis

§  Maksimum Rp. 5 Juta

§  Biaya Pembersihan Puing-puing

§  Memberikan penggantian biaya pembersihan dan pembongkaran puing atas hancurnya/rusaknya bangunan dan barang-barang yang dijamin didalam polis ini

§  Maksimum Rp. 20 Juta

§  Biaya Jasa Profesional

§  Penanggung memberikan penggantian biaya arsitek, surveyor, konsultan hukum, konsultan pembangunan untuk perencanaan, spesifikasi, kuantitas, penawaran dan pengawasan yang perlu dalam pembangunan kembali obyek pertanggungan yang rusak karena disebabkan oleh risiko yang dijamin didalam polis ini.

§  Maksimum Rp. 25 Juta

§  Biaya Kerusakan Perlengkapan di luar Bangunan

§  Perlengkapan di luar bangunan seperti : Tambahan Atap Luar, Kerai, Papan Nama diluar bangunan, dijamin sampai dengan maksimum Rp. 5 Juta

Cara Menentukan Nilai Pertanggungan

§  TSI (Total Sum Insured) = Harga Bangunan dan Harga Isi Bangunan (Perabot dan Stock)

§  Harga Bangunan mengacu kepada Nilai Pemmulihan kembali (Reinstatement Value) atau biaya membangun kembali sesaat sebelum kejadian.

§  Harga Isi Bangunan dan stock : harga sebenarnya saat penutupan, maksimum senilai harga bangunan

Ketentuan Obyek Pertanggungan :

§  Bangunan temasuk pondasi dan pagar, tidak termasuk tanah

§  Isi bangunan meliputi mesin/peralatan, furniture, fixtures & fittings yaitu segala peralatan yang terpasang / terinstalasi di bangunan tersebut

§  Stok meliputi barang dagangan, bahan persediaan, bahan dalam proses dan sebagainya.

Mekanisme Pembelian Produk Paket ini :

§  Hubungi kami : 021-55755306 atau email : terminal-support@tim-agen-asuransi.com

§  DOWNLOAD FORMULIR SPPA (Klik)

§  Mengisi Form SPPA (Surat Permohonan Penutupan Asuransi)

§  Kirim Formulir yang telah diisi ke : terminal-support@tim-agen-asuransi.com

§  Foto Copy KTP

§  Tim kami akan sampaikan penawaran

§  Anda mengkonfirmasi persetujuan

§  Kami proses aktivasi Jaminan, dan dikirimkan kepada Anda berikut Nota Tagihan

§  Pembayaran Premi dilakukan selambatna 14 (empat belas) hari kalender dari periode pertanggungan diaktifkan

Cara Menghitung Premi :

[(Harga Pertanggunga Bangunan + Harga Isi) X Tarif Premi] + Biaya Administrasi & Meterai = Total Premi dibayarkan

§  Biaya Administrasi : Rp. 50.000,-,

§  Biaya Meterai :

§  Premi dibawah 1 Juta = Rp. 29.000

§  Premi diatas 1 Juta = Rp. 32.000

Contoh : Premi Okupasi Kantor 

§  Harga Bangunan = Rp. 500 Juta

§  Harga isi Bangunan = Rp. 200 Juta

§  Total Harga Pertanggungan Rp. 700 Juta

§  Premi : Rp. 700 Juta X 0,0769% = Rp. 538.300,- (+) Rp. 79.000 = Rp. 617.300,-

§  Jadi Premi dibayar untuk periode 1 Tahun adalah Rp. 617.300,-

Penanggung penerbit Polis : PT. Asuransi Adira Dinamika (100%)

Prosedur Klaim :

§  Lapor Klaim selambatnya 14 (empat belas) hari kalender sejak tanggal kejadian kerugian

§  Laporan Kejadian, pertama kali dikirimkan melalui (pilih salah satu)

§  HP ke 089.628.628.925

§  Email : teminal-support@tim-agen-asuransi.com

§  Selanjutnya Proses klaim akan dipandu oleh tim kami

§  Kondisi lain :

§  Syarat klaim, memberikan Dokumen Pendukung klaim yang diperlukan

§  Mengizinkan dilakukan survey di lokasi kejadian

§  Menjaga barang-barang yang rusak untuk proses penyelesaian klaim ganti rugi dan tidak dimusnahkan atau dijual tanpa izin dari penanggung

Catatan :

Paket Jaminan ini belum termasuk : 

§  EQVET: Earthquake, Volcanic Eruption, Fire & Explosion following Earthquake, and Tsunami (gempa Bumi, Letusan Gunung Berapi, Kebakaran dan ledakan yang disebabkan oleh gempa bumi dan letusan gunung berapi dan tsunami, Tsunami)

§  TWFWD : Tempest, Windstorm, Flood, Water Damage (Badai, Angin Ribut, Banjir, Kerusakan karena air)\

Jika diperlukan perluasan tersebut, bisa didapatkan dengan adanya tambahan Premi yaitu Tarif Premi dan resiko Sendiri sesuai ketentuan OJK (Otoritas Jasa Keuangan), dengan mengklik link berikut :

§  Tarif Premi TWFWD & EQ/VET sesuai ketentuan OJK SE 21 Tanggal 30 Juni 2015

 

 

Terima kasih dan Salam,

Selvi Aldriani from Private Gmail

Find me @ http://www.selvi-aldriani.space/  

 

Menghitung Premi Asuransi Pengangkutan Barang - Marine Cargo Insurance

Menghitung Premi Asuransi Pengangkutan Barang – Marine Cargo Insurance

Untuk mengetahui berapa Premi Asuransi yang harus dibayarkan saat memutuskan membeli polis Asuransi Angkutan Barang atau Asuransi Pengiriman Barang atau biasa disebut juga Marine Cargo Indonesia, sebelumnya kita harus menentukan Nilai Harga Pertanggungan yang akan dijamin didalam Polis tersebut.

Harga Pertanggungan 

Nilai harga Pertanggungan (Insured Value / Sum Insured) dalam asuransi pengangkutan barang (marine cargo insurance) tidak terbatas hanya pada harga barang (invoice value) namun dapat meliputi:

§  (a) harga barang (invoice value)

§  (b) biaya-biaya (incidental charges) seperti biaya pengepakan (packing), transportasi darat, transportasi laut (freight),

§  (c) Margin 10% s/d 20% untuk

§  (i) biaya administrasi,

§  (ii) penambahan biaya, misalnya jika harus re-order karena kargo rusak atau hilang

§  (iii) margin keuntungan jika barang dijual di tempat tujuan (profit margin),

§  (d) pajak dan bea import (import duties, taxes, etc)

Oleh karena itu akan sangat penting untuk menghitung Harga Pertanggungan yang memadai agar pada saat terjadi klaim tertanggung mendapatkan kompensasi ganti rugi yang cukup. Tertanggung juga perlu untuk menyampaikan kepada Penanggung (perusahaan asuransi) perhitungan Harga Pertanggungan tersebut supaya tidak terjadi perselisihan jikalau terjadi klaim.

Setelah Itu kita menghitung Premi tersebut dengan Rumus sbb:

Harga Pertanggungan X Tarif Rate = Nilai Premi 

(setelah itu, ada tambahan untuk biaya Meterai dan Biaya Polis)

Sekilas Info :
Kami memberikan pelayanan pengurusan Asuransi Angkutan Barang, Asuransi Pengiriman Barang, Asuransi Marine Cargo, Kondisi ICC (A) atau Dai Cover “B”, berikut Perluasan Jaminan yang sesuai dengan karakter jenis barang diangkut dan karakter jenis industri usaha nasabah serta sesuai dengan kebutuhan.
– Gratis Jasa Layanan Pengurusan Asuransi
– Gratis Konsultasi dan permintaan Penawaran Asuransi
– Gratis Layanan informasi “Loss Prevention”
– Gratis Layanan Pengurusan Klaim Asuransi

Silahkan hubungi : terminal-support@tim-agen-asuransi
Atau telepon : 021-55755306 
Kunjungi : http://www.tim-agen-asuransi.com

Dapatkan Juga Fasililtas Gratis Konsul dan Pelatihan Asuransi tentang “Memahami Polis Asuransi Anda”

 

Terima kasih dan Salam,

Selvi Aldriani from Private Gmail

Find me @ http://www.selvi-aldriani.space/  

 

Y2K PARTIAL EXCLUSION CLAUSE

Risks : VAR

Y2K Partial Exclusion Clause There is no insurance under this policy in respect of any claim of whatsoever nature which arises directly or indirectly from or consists of the failure of any : a.Electronic circuit, microchip, integrated circuit, microprocessor, embedded system , hardware, software, firmware, program, computer, data processing equipment, telecommunication equipment or systems, or any similar device. b.Media or systems used in connection with any of the foregoing Whether the property of the Insured or not, at any time to achieve any or all the purposes and consequential effects intended by the use of any number, symbol or word to denote a date. Including without limitation, the failure or inability to recognize, capture, save, retain or restore and/or correctly to manipulate, interpret, transmit, return, calculate or process any date, data, information, command, logic or instruction as a result of i). Recognizing, using or adopting any date, day of the week or period of time, otherwise than as, the true of correct date, day of the week or period of time. ii) The operation of any command or logic which has been programmed or incorporated into anything referred to in (a) or (b) above. But this extension shall not exclude any claim for subsequent loss or destruction of or damage to any property or consequential loss which itself result from a defined contingency (as defined hereunder) but only to the extent that such claim would otherwise be insured under this policy. Definition : For the purpose of this exception only, “defined contingency” shall mean fire, lightning, explosion, aircraft and other aerial devices or articles dropped therefrom, riot, civil commotion, strikers, locked out workers, person taking part in labour disturbances, malicious persons other than thieves, earthquake, storm, flood, escape of water from any tank apparatus or pipe, impact by any road vehicle or animal or theft. The insurance by this Policy extends to include tenants improvements and alteration to Landlord’s property insofar as the Insured is responsible therefore.

Y2K - LIABILITY

Risks : PLI

 The Indemnity will not apply to legal liability Of whatsoever nature directly or indirectly caused by or constributed to by or arising from the failure of any computer or other equipment or system for processing storing not retrieving data, whether the property of the Insured or not, and whether occurring before, during or after the year 2000 1. Correctly to recognize any date as its true calendar rate. 2. To capture save or retain, and/or correctly to manipulate, interpret or process any data or information or command or instruction as a result of treating any date otherwise as its true calendar date. 3. To capture save retain or correctly to process any data as result of the operation of any command which has been programmed into any computer software being a command which causes th loss of data or the inability to capture save retain or correctly to process such data on or after any date.

WRONGFULL ARREST, EVICTION AND DEFAMATION

Risks : PLI

“notwithstanding anything contained herein to the contrary, this policy is extended to include damages : a) Resulting from wrongful arrest (including assault inconnection with such wrongful arrest b) In respect of defamation Provided that the liability of the Insurer under each of a and b shall be limited to in respect of any one event or series of events with one original cause or source

WORKMEN CLAUSE - IAR

Risks : IAR

Workmen are allowed in and/or about any of the described premises for the purpose of making new erections or alterations, repair, decoration, plant installation, general maintenance and the like without prejudice to the terms and conditions of the Policy.

WATER, FLOOD AND FUMES EXTENSION CLAUSE – PLI

Risks : PLI

It is hereby declared and agreed that this policy extends to cover liability arising out of water, flood and fumes

WAR AND CIVIL; WAR EXCLUSION CLAUSE

Risks : VAR

Notwithstanding anything to the contrary contained herein this policy does not cover Loss or Damage directly or indirectly occasioned by, happening through or in consequnece of war, invasion, acts of foreign enemies, hostilities, or war like operations (whether war be declared or not), civil war, insurrection / popular rising, rebellion, revolution, military or ursurped power or confiscation or nationalism or requisition or destruction of or damage to property by or under the order of any government or public or local authority.

WAIVER OF SUBROGATION

Risks : VAR


In the event of claim arising under this policy it is agreed that the Company waives all rights, remedies or relief to which it might become entitled by subrogation against any of parties comprising the Insured herein.

Clause 19.2A - Vibration, Subsidence Collapse, Weakening of Support Clause – CEAR

Risks : CEAR

It is agreed that the Insurance by this section extends to include all sums which the Insured shall become legally liable to pay in connection with damage to property other than property insured under section 1 caused by collapse, subsidence, vibration, weakening or removal of support of lowering of ground water arising out of or in the course of or by reason of the carrying out to the Insured Contracts. 1. Caused by the negligence, omission or default of the Contractor, his servants or agents or any of their Co-Contractors, Sub-Contractors and Suppliers their servants or agents. 2. Attributable to errors or omission in the designing of the work.

VEHICLE LOAD CLAUSE - IAR

Risks : IAR

In the event of the Insured’s Property being left loaded in Vehicles or freight containers overnight while in, on or about the premises hereby insured the Insurer will indemnify the Insured for the loss of or damage to such Property caused by fire or any other peril insured hereby, provided always that the Insurer’s Liability shall not exceed the sum insured of Property under the Policy.

VALUABLE PAPERS AND RECORDS - IAR

This Policy is extended to cover computers system records including software, documents, manuscripts, valuable papers, securities, deeds micro-inscribed documents, specifications, plans, maps, films, mortgages, abstract, drawing, designs, books, business books, media and the data recorded thereib abd other records if every description, the cost and expenses of reinstating replacing reproducing or restoring the same, including : a. The cost of gathering and/or assembling and/or researching the information b. Information contained therein or thereon But excluding the value to the Insured of the said information or, if such is note requires, the replacement cost of materials as blank stationary at the time and place of the Damage. “Valuable Papers and Records” is defined as written, printed or otherwise inscribed documents and records including but not limited to books, maps, films, drawings, abstracts, deeds, mortgages, micro inscribed documents, manuscripts, and media and the date records thereon but not including money and/or securities. “Media” is defined as materials upon which data is recorded including but not limited to paper tapes, cards, electronic memory circuits and magnetic or optical storage devices. “Data” is defined as facts, concepts or instructions in a form usable for communications, interpretation or processing by automatic means and includes computer program. “Securities” is defined as all negotiable and non-negotiable instruments or contracts representing either money or other property and includes revenue and other stamps in current use, tokens and ticket but does not include money.

UNLICENSED VEHICLE CLAUSE - PLI

Risks : PLI

It is hereby understood and agreed that this policy extends to indemnify the Insured for claims in respect of bodily injury or damages to the property arising out of the use of vehicles (not licensed for public road) in and around the premises for the purpose of property maintenance and repair.

TRANSMISSION AND DISTRIBUTION LINES EXCLUSION CLAUSE

All Transmission and distribution lines, including wire, cable, poles, pylons, standard towers and any equipment of any type of which may be attendant to such installation of any description. This exclusion includes but is not limited to transmission or distribution of electrical power, telephone or telegraph signal and all communication signal whether audio or visual. This exclusion applies to both above and below ground equipment except that which is within 1,000 meters of the insured’s premises or as defines in the Insurer’s policy(ies) This exclusion applies both to physical or damage to the equipment and all business interruption, consequential loss and/or other contingent losses related to transmission and distribution lines. Another Version This Insurance does not cover any loss, damage, costs or expense to any type pf above ground conductors for the transmission or distribution of electrical energy. Telephone, or telegraphic signals, and all communication signal whether audio or visual including wire, cable, poles, scaffolding, pylons, and masts or any property forming part thereof or connected therewith and including substations and transformer stations other than those on or within 300 meters of the insured premises. It is however understood and agreed that this exclusions shall not apply to contingent business interruption coverage including public utilities extensions and/or suppliers extensions, provided that those are not part of a suppliers’ or distributors’ policy.

Thirty (30) Days Cancellation Notice Clause

Risks : VAR

Both the Insurer and the Insured are entitled to terminate this insurance upon thirty (30) days notice in writing being given. Such termination should be effected to the registered letter and the Insured entitle to a pro-rata return premium for the unexpired period of Insurance.

THEFT EXTENSION MEMO

Risks : BT, TI, IAR

It is hereby noted and agreed that in consideration of the Insured having paid an additional premium, this policy shall be extended to cover loss and/or damage to the insured property caused by Theft without any visible violent or forcible entry to the insured premises, provided always that this endorsement shall be deemed to exclude property stored in the open air.

TERRORISM EXCLUSION ENDORSEMENT (NMA 2920)

Risks : IAR

Notwithstanding any provision to the contrary within this insurance or any endorsement thereto, it is agreed that this insurance exclude loss, damage, cost of whatsoever nature directly or indirectly caused by, resulting from 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 the 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 organization(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, surpressing or in any way relating to any act of terrorism. If the Underwriters allege that by reasins of this exclusion, any loss, damage, cost or expense is not covered by this insurance the burden of proving the contrary shall be upon the Assured. In the event any portion of this endorseement is found to be valid or unenforceable, the remainder shall remain in full force and effect. NMA 2920 08/10/2001

TENANTS IMPROVEMENT CLAUSE – IAR

Risks : IAR

TENANTS IMPROVEMENTS CLAUSE The insurance by this Policy extends to include tenants improvements and alteration to Landlord’s property insofar as the Insured is responsible therefore..

TEMPORARY REMOVAL – IAR

Risks : IAR

TEMPORARY REMOVAL CLAUSE It is hereby agreed that the property insured by this Policy (other than any stock in trade or merchandise) is covered in respect of the perils hereby insured against whilst temporarily removed for cleaning, renovation, repair or other similar purposes, elsewhere on the same premises or any other premises in the Republic of Indonesia and in transit thereto and therefrom by road. Provided always that: 1. The amount recoverable under this Extension in respect of each item of this Policy shall not exceed the amount which would have been recoverable …the loss occurred in that part of the premises from which the property temporarily removed nor, in respect of any loss occurring elsewhere than …the said premises, 10% of the sum insured by this Policy after deductible therefrom the value of any building (exclusive of fixtures and fittings) stock in trade or merchandise hereby insured. 2. This extension does not apply to property if and so far as it is otherwise insured. 3. As regards losses occurring elsewhere than at the premises from which the property is temporarily removed to: a. motor vehicles and motor chassis licensed for normal road use b. property held by the Insured in trust, other than machinery and plant This clause is subject otherwise to all the terms and conditions of the Policy to which it is attached.

Suppliers and Customers Extension Clause – IAR

Risks : IAR

Subject to the terms, conditions and exclusions of the policy, loss resulting from interruption of or interference with the Business in consequence of Damage to : a. property of suppliers, manufactures or processors of components, goods, materials, suppliers of service or other facilities and their suppliers. b. Property of customers c. Property whilst in transit by road, rail or inland waterway. Anywhere in the World is regarded as due to the insured Events insured by the Specification shall be deemed to be the loss resulting from Damage to property of the Insured.