INSERT INTO `mstwarrantclause` (`code`, `line_mst_code`, `short_name`, `warrant_title`, `warrant_text`, `default_peril_mst_codes`, `print_order`, `remarks`, `created_at`, `updated_at`, `created_user_mst_code`, `updated_user_mst_code`) VALUES
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SemiHidden="false"\n   UnhideWhenUsed="false" QFormat="true" Name="Intense Emphasis"/>\n  <w:LsdException Locked="false" Priority="31" SemiHidden="false"\n   UnhideWhenUsed="false" QFormat="true" Name="Subtle Reference"/>\n  <w:LsdException Locked="false" Priority="32" SemiHidden="false"\n   UnhideWhenUsed="false" QFormat="true" Name="Intense Reference"/>\n  <w:LsdException Locked="false" Priority="33" SemiHidden="false"\n   UnhideWhenUsed="false" QFormat="true" Name="Book Title"/>\n  <w:LsdException Locked="false" Priority="37" Name="Bibliography"/>\n  <w:LsdException Locked="false" Priority="39" QFormat="true" Name="TOC Heading"/>\n </w:LatentStyles>\n</xml><![endif]--><!--[if gte mso 10]>\n<style>\n /* Style Definitions */\n table.MsoNormalTable\n	{mso-style-name:"Table Normal";\n	mso-tstyle-rowband-size:0;\n	mso-tstyle-colband-size:0;\n	mso-style-noshow:yes;\n	mso-style-priority:99;\n	mso-style-qformat:yes;\n	mso-style-parent:"";\n	mso-padding-alt:0in 5.4pt 0in 5.4pt;\n	mso-para-margin-top:0in;\n	mso-para-margin-right:0in;\n	mso-para-margin-bottom:10.0pt;\n	mso-para-margin-left:0in;\n	line-height:115%;\n	mso-pagination:widow-orphan;\n	font-size:11.0pt;\n	font-family:"Calibri","sans-serif";\n	mso-ascii-font-family:Calibri;\n	mso-ascii-theme-font:minor-latin;\n	mso-fareast-font-family:"Times New Roman";\n	mso-fareast-theme-font:minor-fareast;\n	mso-hansi-font-family:Calibri;\n	mso-hansi-theme-font:minor-latin;}\n</style>\n<![endif]--><!--StartFragment--><span style="font-family:times new roman,serif; font-size:10.0pt">The Company will pay, in addition to the applicable limit of liability, all expenses incurred by the Insured for first aid to others at the time of an occurrence, for bodily injury to which this policy applies but expenses for first aid to be paid under this policy shall be limited to the limit as per policy schedule.</span></p>\n', '', 546, '', '2018-06-18 15:48:49', '2018-06-18 15:48:49', 194, 194),
(845, '1', 'DET-OF-STK', 'DETERIORATION OF STOCKS', '<p><span style="font-family:times new roman,serif; font-size:10.0pt">a) Cold Storage Risks </span></p>\n\n<p><span style="font-family:times new roman,serif; font-size:10.0pt">It is hereby agreed and declared that this policy is extended to include loss of or damage to the goods insured hereunder caused by change of temperature resulting from damage by Fire to refrigerating plant, machinery or equipment located in the same premises as the said goods.</span></p>\n', '', 548, '', '2018-06-18 15:57:50', '2020-10-08 18:51:38', 194, 194),
(846, '1', 'ARC-SUR-CON-ENGG-EXP', 'ARCHITECTS SURVEYORS AND CONSULTING ENGINEERS EXPENSES ', '<p><span style="font-family:times new roman,serif; font-size:10.0pt">This insurance extends to include fees only to those necessarily incurred in the reinstatement of the property specified consequent upon its description or damaged but not in preparing any claim, it being understood that the amount payable for such fees shall not exceed those authorized under the scale of professional charges of the Institute of Architects and/or professional charges of the Institute of Surveyors.</span></p>\n', '', 549, '', '2018-06-18 15:59:26', '2018-06-18 15:59:26', 194, 194),
(847, '1,2', 'CLA-COO-CLA', 'CLAIMS COOPERATION CLAUSE', '<p><span style="font-family:times new roman,serif; font-size:10.0pt">It is understood and agreed that as a condition precedent to liability under this policy that: </span></p>\n\n<p><span style="font-family:times new roman,serif; font-size:10.0pt">a) the Insured shall, upon knowledge of any claim, or circumstances which may give rise to claim, advise the Insurer thereof as soon as possible; and </span></p>\n\n<p><span style="font-family:times new roman,serif; font-size:10.0pt">b) the Insured shall immediately furnish the Insurers with all information and appears in connection with such claim or such situation and fully cooperate with the Insurer in their analysis and evaluation of the claim or circumstance; and </span></p>\n\n<p><span style="font-family:times new roman,serif; font-size:10.0pt">c) the Insurer shall have the right to: (i) communicate with the Insured, their attorneys or agents; (ii) effectively associate in the investigation and adjustment of any claim (including but not limited to development of investigation and adjustment strategy); (iii) determining the existence and amount of Loss; and (iv) compromising any disputed amount of Loss; and </span></p>\n\n<p><span style="font-family:times new roman,serif; font-size:10.0pt">d) the Insurer shall have the right to appoint adjusters and/or representatives acting on their behalf to control all negotiations, adjustments and settlement in connection with such claims or claims; and </span></p>\n\n<p><span style="font-family:times new roman,serif; font-size:10.0pt">e) the Insurer agrees to consult with the Insurer prior to making any settlement or compromise on a claim or loss.</span></p>\n', '', 550, '', '2018-06-18 16:00:53', '2018-11-20 10:59:18', 194, 215),
(848, '1', 'MOB-POR-EQT-OUT-PRE', 'MOBILE AND PORTABLE EQUIPMENT OUTSIDE THE PREMISES', '<p><span style="font-family:times new roman,serif; font-size:10.0pt">It is agreed and understood that otherwise subject to the terms, exclusions, provisions and conditions contained in the Policy or endorsed thereon and subject to the Insured having paid the agreed extra premium this insurance shall be extended to include loss of or damage to the mobile and/ or portable equipment contained in the schedule of the Policy whilst stationary or in transit anywhere within the territorial limits ______________________. </span></p>\n\n<p><span style="font-family:times new roman,serif; font-size:10.0pt">The Insurers shall not be liable under this Endorsement for: </span></p>\n\n<p><span style="font-family:times new roman,serif; font-size:10.0pt">- loss or damage occurring whilst the above items are unattended unless locked inside a building or vehicle.<br />\n&nbsp;- loss or damage from any cause whatsoever whilst the above items are installed or carried in or on aircraft or aerial devices or waterborne vessels or craft. </span></p>\n', '', 551, '', '2018-06-18 16:02:35', '2018-06-18 16:02:35', 194, 194),
(849, '1', 'PUB-CIV-AUT', 'PUBLIC/CIVIL AUTHORITIES CLAUSE', '<p><span style="font-family:times new roman,serif; font-size:10.0pt">The Policy cover includes such additional cost of reinstatement of the destroyed or damaged sections of the property caused by a contingency insured against as may be incurred solely by reason of the necessity to comply with any Regulations, By-Laws or Statutory Provisions relating to the reinstatement of property provided that:<br />\n<br />\n1. The amount recoverable under this extension shall not include: </span></p>\n\n<p><span style="font-family:times new roman,serif; font-size:10.0pt">a)the cost in complying with any such Regulations, By-Laws or Statutory Provisions where destruction or damage occurs prior to inception of this clause, or is not insured by this Policy, or where notice to comply has been served upon the Insured prior to the occurrence of any destruction or damage or in respect of any undamaged sections of the property. </span></p>\n\n<p><span style="font-family:times new roman,serif; font-size:10.0pt">b) the additional cost that would have been required to make good the property damaged or destroyed to a condition equal to its condition when new had the necessity to comply with any of the aforesaid Regulations, By-Laws or Statutory Provisions not arisen. </span></p>\n\n<p><span style="font-family:times new roman,serif; font-size:10.0pt">c) Any increased rates, taxes, duties, charges, levies or assessment as a result of complying with such Regulations, By-Laws or Statutory Provisions. </span></p>\n\n<p><span style="font-family:times new roman,serif; font-size:10.0pt">The work of reinstatement must be completed within twelve (12) months of the date of occurrence of any loss or damage or within such further time as permitted otherwise by the Insurer. It may be carried out wholly or partially upon another site, provided that the liability of the Insurer is not increased thereby.</span></p>\n', '', 555, '', '2018-06-18 16:11:44', '2018-06-18 16:11:44', 194, 194),
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SemiHidden="false"\n   UnhideWhenUsed="false" QFormat="true" Name="Intense Emphasis"/>\n  <w:LsdException Locked="false" Priority="31" SemiHidden="false"\n   UnhideWhenUsed="false" QFormat="true" Name="Subtle Reference"/>\n  <w:LsdException Locked="false" Priority="32" SemiHidden="false"\n   UnhideWhenUsed="false" QFormat="true" Name="Intense Reference"/>\n  <w:LsdException Locked="false" Priority="33" SemiHidden="false"\n   UnhideWhenUsed="false" QFormat="true" Name="Book Title"/>\n  <w:LsdException Locked="false" Priority="37" Name="Bibliography"/>\n  <w:LsdException Locked="false" Priority="39" QFormat="true" Name="TOC Heading"/>\n </w:LatentStyles>\n</xml><![endif]--><!--[if gte mso 10]>\n<style>\n /* Style Definitions */\n table.MsoNormalTable\n	{mso-style-name:"Table Normal";\n	mso-tstyle-rowband-size:0;\n	mso-tstyle-colband-size:0;\n	mso-style-noshow:yes;\n	mso-style-priority:99;\n	mso-style-qformat:yes;\n	mso-style-parent:"";\n	mso-padding-alt:0in 5.4pt 0in 5.4pt;\n	mso-para-margin-top:0in;\n	mso-para-margin-right:0in;\n	mso-para-margin-bottom:10.0pt;\n	mso-para-margin-left:0in;\n	line-height:115%;\n	mso-pagination:widow-orphan;\n	font-size:11.0pt;\n	font-family:"Calibri","sans-serif";\n	mso-ascii-font-family:Calibri;\n	mso-ascii-theme-font:minor-latin;\n	mso-fareast-font-family:"Times New Roman";\n	mso-fareast-theme-font:minor-fareast;\n	mso-hansi-font-family:Calibri;\n	mso-hansi-theme-font:minor-latin;}\n</style>\n<![endif]--><!--StartFragment--><span style="font-family:times new roman,serif; font-size:10.0pt">Applicable to Typhoon and Flood only} For the purpose of the application of any deductible under this Policy, all loss, destruction, or damage resulting from the perils insured against, occurring during each period of one hundred sixty eight (168) consecutive hours shall be considered as one loss whether said peril is continuous or sporadic in its sweep and scope and irrespective of whether the loss, destruction, or damage was due to the same meteorological conditions. Each occurrence shall be deemed to commence on the first happening of any loss, destruction or damage from said perils and not within the period of any previous occurrence.</span></p>\n', '', 556, '', '2018-06-18 16:18:07', '2018-06-18 16:18:07', 194, 194),
(851, '1', 'AUT-ACQ-CLA', 'AUTOMATIC ACQUISITION CLAUSE', '<p>It is hereby declared and agreed that the Insured is granted automatic cover for any unnamed/additional new location(s) anywhere within the Republic of the Philippines, subject to the warranty that any unnamed/additional and/or new location(s) utilized by the Insured shall be reported to the Company as promptly as possible and such unnamed/additional and/or new location shall be incorporated under the policy and additional premium be paid accordingly calculated in a pro-rate basis at the rates applying during the expiring period of Insurance.</p>\n', '', 6, '', '2018-09-03 11:10:59', '2018-09-03 11:10:59', 157, 157);
INSERT INTO `mstwarrantclause` (`code`, `line_mst_code`, `short_name`, `warrant_title`, `warrant_text`, `default_peril_mst_codes`, `print_order`, `remarks`, `created_at`, `updated_at`, `created_user_mst_code`, `updated_user_mst_code`) VALUES
(852, '5', 'ERE-ALL-RIS-POL', 'ERECTION ALL RISKS POLICY', '<p style="margin-right:1.45pt; text-align:center"><span style="font-family:courier new,courier,monospace"><strong><span style="font-size:5pt">&nbsp;</span></strong></span></p>\n\n<p style="margin-right:1.45pt; text-align:center"><span style="font-family:courier new,courier,monospace"><strong><span style="font-size:12pt">ERECTION ALL RISKS POLICY</span></strong></span></p>\n\n<p style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><strong><span style="font-size:8pt">&nbsp;</span></strong></span></p>\n\n<p style="margin-right:1.45pt; text-align:center"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">WHEREAS THE INSURED named in the Schedule hereto has made to the<strong> </strong></span><strong>ALLIEDBANKERS INSURANCE CORPORATION</strong></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">(hereinafter called &quot;the Insurers&quot;) a written proposal by completing a Questionnaire which together with any other statements made in writing by the Insured for the purpose of this Policy is deemed to be incorporated herein,</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">NOW THIS POLICY OF INSURANCE WITNESSETH that subject to the Insured having paid to the Insurers the premium mentioned in the Schedule and subject to the terms, exclusions, provisions and conditions contained herein or endorsed hereon the Insurers will indemnify the Insured in the manner and to the extent hereinafter provided. </span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<h1 style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">GENERAL EXCLUSIONS</span></span></h1>\n\n<p style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">The Insurers will not indemnity the Insured in respect of loss, damage or liability directly or indirectly caused by or arising out of</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">a)&nbsp; </span><!--[endif]--><span style="font-size:9pt">war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, riot, strike, lock-out, civil commotion, military or usurped power, a group of malicious persons or persons acting on behalf of or in connection with any political organization, conspiracy, confiscation, commandeering, requisition or destruction or damage by order of any government de jure or de facto or by any public authority;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">b)&nbsp; </span><!--[endif]--><span style="font-size:9pt">nuclear reaction, nuclear radiation or radioactive contamination;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">c)&nbsp; </span><!--[endif]--><span style="font-size:9pt">willful act or willful negligence of the Insured or of his representatives;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">d)&nbsp; </span><!--[endif]--><span style="font-size:9pt">cessation of work whether total or partial</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">In any action, suit or other proceeding where the Insurers allege that by reason of the provisions of Exclusion a) above any loss, destruction, damage or liability is not covered by this insurance the burden of proving that such loss, destruction, damage or liability is covered shall be upon the Insured.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<h1 style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">PERIOD OF COVER</span></span></h1>\n\n<p style="margin-right:1.45pt; text-align:center"><span style="font-family:courier new,courier,monospace"><strong><span style="font-size:9pt">&nbsp;</span></strong></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">The liability of the Insurers shall commence notwithstanding any date to the contrary specified in the Schedule, directly upon commencement of work or after the unloading of the items entered in the Schedule at the site and shall continue until immediately after taking over or after the first test operation or test loading is completed whatever is the earlier but not beyond four weeks (unless otherwise agreed in writing) from the date of commencement of the test. If, however, a part of a plant or one or several machine(s) is/are tested and/or put into operation or taken over, the cover for that particular part of the plant or machine(s) and any liability resulting therefore ceases whereas the cover continues for the remaining parts.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">In the case of second-hand items, the insurance hereunder shall, however, cease immediately on the commencement of the test.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">At the latest the insurance shall expire on the date specified in the Schedule.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<h1 style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></h1>\n\n<h1 style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></h1>\n\n<h1 style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">GENERAL CONDITIONS</span></span></h1>\n\n<p style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">1.&nbsp; </span><!--[endif]--><span style="font-size:9pt">The due observance and fulfillment of the terms of this Policy in so far as they relate to anything to be done or complied with by the Insured and the truth of the statements and answers in the questionnaire and proposal made by the Insured shall be a condition precedent to any liability of the Insurers.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">2.&nbsp; </span><!--[endif]--><span style="font-size:9pt">The Schedule and the Section(s) shall be deemed to be incorporated in and form part of this Policy and the expression &quot;this Policy&quot;&nbsp;wherever used in this contract shall be read as including the Schedule and the Section(s). Any word or expression to which a specific meaning has been attached in any part of this Policy or of the Schedule or of the Section(s) shall bear such meaning wherever it may appear.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">3.&nbsp; </span><!--[endif]--><span style="font-size:9pt">The Insured shall at his own expense take all reasonable&nbsp; precautions and comply with all reasonable recommendations of the Insurers to prevent loss, damage or liability and comply with statutory requirements and manufacturers&rsquo; recommendations.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:31.5pt; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">4.&nbsp; </span><!--[endif]--><span style="font-size:9pt">a) Representatives of the Insurers shall at any reasonable time have the right to inspect and examine the risk and the insured shall provide the representatives of the Insurers with all details and information necessary for the assessment of the risk.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:31.5pt; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">b) The Insured shall immediately notify the Insurers by telegram and in writing of any material change in the risk and cause at his own expense such additional precautions to be taken as circumstances may require, and the scope of cover and/or premium shall, if necessary, be adjusted accordingly.</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">No material alteration shall be made or admitted by the Insured whereby the risk is increased, unless the continuance of the insurance be confirmed in writing by the Insurers.</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">5.&nbsp; </span><!--[endif]--><span style="font-size:9pt">In the event of any occurrence which might give rise to a claim under this Policy, the Insured shall</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.5in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">a) immediately notify the Insurers by telephone or telegram as well as in writing, giving an indication as to the nature and extent of loss or damage;</span></span></p>\n\n<p style="margin-left:.5in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.5in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">b)&nbsp; </span><!--[endif]--><span style="font-size:9pt">take all steps within his power to minimize the extent of the loss or damage;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.5in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">c)&nbsp; </span><!--[endif]--><span style="font-size:9pt">preserve the parts affected and make them available for inspection by a representative or surveyor of the Insurers;</span></span></p>\n\n<p style="margin-left:.5in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.5in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">d)&nbsp; </span><!--[endif]--><span style="font-size:9pt">furnish all such information and documentary evidence as the Insurers may require;</span></span></p>\n\n<p style="margin-left:.5in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.5in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">e)&nbsp; </span><!--[endif]--><span style="font-size:9pt">inform the police authorities in case of loss or damage due to theft, burglary or sabotage.</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">The Insurers shall not in any case be liable for loss, damage or liability of which no notice has been received by the Insurers within 14 days of its occurrence.</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">Upon notification being given to the Insurers under this condition, the Insured may carry out the repairs or replacement of any minor damage; in all other cases a representative of the Insurers shall have the opportunity of inspecting the loss or damage before any repairs or alternations are affected. If a representative of the Insurers does not carry out the inspection within 30 days, unless otherwise prevented to do so by reason of circumstances beyond the control of the Insurers, the Insured is entitled to proceed with the repairs or replacement.</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">The liability of the Insurers under this Policy in respect of any item sustaining damage shall cease if said item is not repaired properly without delay.</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">The amount of any loss or damage for which an Insurer may be liable under this Policy, shall be paid within thirty (30) days after proof of loss is received by the Insurer and ascertainment of the loss or damage is made either by agreement between the Insured and the Insurer or by arbitration; but if such ascertainment is not had or made within sixty days after such receipt by the Insurer of the proof of loss, then the loss or damage shall be paid within ninety days after such receipt. Refusal or failure to pay the loss or damage within the time prescribed herein will entitle the assured to collect interest on the proceeds of the policy for the duration of the delay at the rate of twice the ceiling prescribed by the Monetary Board, unless such failure or refusal to pay is based on the ground that the claim is fraudulent.</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">6. The Insured shall at the expense of the Insurers do and concur in doing and permit to be done all such acts and things as may be necessary or required by the Insurers in the interest of any rights or remedies, or of obtaining relief or indemnity from parties (other than those insured under this policy) to which the Insurers shall be or would become entitled or subrogated upon their paying for or making good any loss or damage under this Policy, whether such acts and things shall be or become necessary or required before or after the Insured&rsquo;s indemnification by the Insurers.</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">7. All differences as to the amount of any loss or damage covered by this policy shall be referred to the decision of an arbitrator to be appointed by the parties in difference or if they cannot agree upon a single arbitrator to the decision of two arbitrators one to be appointed in writing by each of the parties within thirty (30) days after having been required in writing so to do by either of the parties or in case of disagreement between the arbitrators to the decision of an umpire to be appointed in writing by the arbitrators before entering on the reference and an award by the arbitrator or arbitrators or umpire shall be a condition precedent to any right of action against the company.</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">8. If a claim is in any respect fraudulent, or if any false declaration is made or used in support thereof, or if any fraudulent means or devices are used by the Insured or anyone acting on his behalf to obtain any benefit under this Policy, or if a claim be made and rejected and an action or suit be not commenced either in the Insurance Commission or any court of competent jurisdiction within twelve (12) months from receipt of notice of such rejection, or in case of arbitration taking place as provided herein, within twelve (12) months after due notice of the award made by the arbitrator or arbitrators or umpire, then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder.</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">9. If at the time any claim arises under the Policy there be any other insurance covering the same loss, damage or liability the Insurers shall not be liable to pay or contribute more than their ratable proportion of any claim for such loss, damage or liability. If such other insurance is subject to any condition of advantage to the Insurers this Policy shall be subject to such conditions in a like manner.</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">10. This insurance may be terminated by the Insurers after seven days&rsquo; notice to that effect being given to the Insured. However, no notice of cancellation shall be effective unless it is based on the occurrence, after the effective date of the Policy, of one or more of the following:</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:40.5pt; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">(a)&nbsp; </span><!--[endif]--><span style="font-size:9pt">conviction of a crime arising out of acts increasing the hazard insured against;</span></span></p>\n\n<p style="margin-left:40.5pt; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:40.5pt; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">(b)&nbsp; </span><!--[endif]--><span style="font-size:9pt">discovery of fraud or material misrepresentation;</span></span></p>\n\n<p style="margin-left:40.5pt; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:40.5pt; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">(c)&nbsp; </span><!--[endif]--><span style="font-size:9pt">discovery of willful or reckless acts or omissions increasing the hazard insured against;</span></span></p>\n\n<p style="margin-left:40.5pt; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:40.5pt; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">(d)&nbsp; </span><!--[endif]--><span style="font-size:9pt">physical changes in the property insured which result in the property becoming uninsurable; or</span></span></p>\n\n<p style="margin-left:40.5pt; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:40.5pt; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">(e)&nbsp; </span><!--[endif]--><span style="font-size:9pt">a determination by the Commissioner that the continuation of the policy would violate or would place the Insurer in violation of this Code.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">All notices of cancellation shall be in writing, mailed or delivered to the named insured at the address shown in the Policy, and shall state (a) which of the grounds set forth above is relied upon and (b) that, upon written request of the named insured, the Insurer will furnish the facts on which the cancellation is based.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><strong><span style="font-size:9pt">&nbsp;</span></strong></span></p>\n\n<p style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><strong><span style="font-size:9pt">&nbsp;</span></strong></span></p>\n\n<h2 style="margin-left:0in; margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">SECTION I &ndash; MATERIAL DAMAGE</span></span></h2>\n\n<p style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">The Insurers hereby agree with the Insured that if at any time during the period of cover the items or any part thereof entered in the Schedule shall suffer any unforeseen and sudden physical loss or damage from any cause, other than those specifically excluded, in a manner necessitating repair or replacement, the Insurers will indemnify the Insured in respect of such loss or damage as hereinafter provided by payment in cash, replacement or repair (at their own option) up to an amount not exceeding in respect of each of the items specified in the Schedule the sum set opposite thereto and not exceeding in any one event the limit of indemnity where applicable and not exceeding in all the total sum expressed in the Schedule as insured hereby.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">The company will also reimburse the Insured for the cost of clearance and removal of debris following upon any event giving rise to an admissible claim under this policy but not exceeding in all the sum set opposite thereto in the Schedule. The term &quot;debris&quot;&nbsp;means debris only of the insured property and the cost of clearance and removal of debris pertaining to property not insured by the Policy will not be payable.</span></span></p>\n\n<p style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<h1 style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">SPECIAL EXCLUSIONS TO SECTION I</span></span></h1>\n\n<p style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">The Insurers shall not, however, be liable for</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">a)&nbsp; </span><!--[endif]--><span style="font-size:9pt">the deductibles stated in the Schedule to be borne by the Insured in any one occurrence;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">b)&nbsp; </span><!--[endif]--><span style="font-size:9pt">consequential loss of any kind or description whatsoever including penalties, losses due to delay, lack of performance, loss of contract;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">c)&nbsp; </span><!--[endif]--><span style="font-size:9pt">loss or damage due to faulty design, defective material or casting, bad workmanship other than faults in erection;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">d)&nbsp; </span><!--[endif]--><span style="font-size:9pt">wear and tear, corrosion, oxidation, incrustation;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">e)&nbsp; </span><!--[endif]--><span style="font-size:9pt">loss or damage to files, drawings, accounts, bills, currency, stamps, deeds, evidences of debt, notes, securities, cheques, packing materials such as cases, boxes, crates;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">f)&nbsp; </span><!--[endif]--><span style="font-size:9pt">loss discovered only at the time of taking an inventory;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">g)&nbsp; </span><!--[endif]--><span style="font-size:9pt">loss of or damage to surrounding property except as provided in Memo 4.</span></span></p>\n\n<p style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><strong><span style="font-size:9pt">&nbsp;</span></strong></span></p>\n\n<p style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><strong><span style="font-size:9pt">&nbsp;</span></strong></span></p>\n\n<p style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><strong><span style="font-size:9pt">&nbsp;</span></strong></span></p>\n\n<p style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><strong><span style="font-size:9pt">&nbsp;</span></strong></span></p>\n\n<p style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><strong><span style="font-size:9pt">&nbsp;</span></strong></span></p>\n\n<p style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><strong><span style="font-size:9pt">&nbsp;</span></strong></span></p>\n\n<p style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><strong><span style="font-size:9pt">&nbsp;</span></strong></span></p>\n\n<p style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><strong><span style="font-size:9pt">PROVISIONS APPLYING TO SECTION I</span></strong></span></p>\n\n<p style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:1.5in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><strong><span style="font-size:9pt">Memo 1- Sums Insured:&nbsp;&nbsp; </span></strong><span style="font-size:9pt">It is a requirement of this insurance that the sums insured stated in the Schedule (Under items 1 and 2) shall not be less than the full value of each item at the completion of the erection, inclusive of freight, customs duties, dues, erection cost, and the Insured undertakes to increase or decrease the amount of insurance in the event of any material fluctuation in the level of wages or prices.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">provided always that such increase or decrease shall take effect only after the same has been recorded on the Policy by the Insurers.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">If, in the event of loss or damage, it is found that sums insured are less than the amounts required to be insured, then the amount recoverable by the Insured under this Policy shall be reduced in such proportion as the sums insured bear to the amounts required to be insured. Every object and cost item is subject to this condition separately.</span></span></p>\n\n<p style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><strong><span style="font-size:9pt">Memo 2 - Basis of loss Settlement:</span></strong><span style="font-size:9pt"> In the event of any loss or damage the basis of any settlement under this policy shall be</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">a)&nbsp; </span><!--[endif]--><span style="font-size:9pt">in the case of damage which can be repaired &ndash; the cost of repairs necessary to restore the items to their condition immediately before the occurrence of the damage less salvage, or</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">b)&nbsp; </span><!--[endif]--><span style="font-size:9pt">in the case of a total loss &ndash; the actual value of the items immediately before the occurrence of the loss less salvage,</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">however, only to the extent costs claimed had to be borne by the Insured and to the extent they are included in the sums insured and provided always that the provisions and conditions have been complied with.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">The Insurers will make payments only after being satisfied by production of the necessary bills and documents that the repairs have been affected or replacement has taken place, as the case may be. All damage which can be repaired shall be repaired, but if the cost of repairing any damage equals or exceeds the value of the items immediately before the occurrence of the damage, the settlement shall be made on the basis provided for in b) above.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">The cost of any provisional repairs will be borne by the Insurers if such repairs constitute part of the final repairs and do not increase the total repair expenses.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">The cost of any alternations, additions and/or improvements shall not be recoverable under this policy.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:1.5in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><strong><span style="font-size:9pt">Memo 3 &ndash; Extension of Cover:</span></strong><span style="font-size:9pt"> Extra charges for overtime, nightwork, work on public holidays, express freight are covered by this insurance only if previously and specially agreed upon in writing.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:1.5in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><strong><span style="font-size:9pt">Memo 4 &ndash; Surrounding Property</span></strong><span style="font-size:9pt">: Loss of or damage to property located on or adjacent to the site and belonging to or held in care, custody or control of the Principal(s) or the Contractor(s) shall only be covered if occurring in direct connection with the erection, construction or testing of the items insured under Section I and happening during the Period of Cover, and provided that a separate sum therefore has been entered in the Schedule under Section I, item 4. This cover does not apply to construction/erection machinery and construction/erection plant and equipment.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:center"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:center"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<h1 style="margin-right:1.45pt; text-align:center"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></h1>\n\n<h1 style="margin-right:1.45pt; text-align:center"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></h1>\n\n<h1 style="margin-right:1.45pt; text-align:center"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></h1>\n\n<h1 style="margin-right:1.45pt; text-align:center"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">SECTION II &ndash; THIRD PARTY LIABILITY</span></span></h1>\n\n<p style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">The Insurers will indemnify the Insured up to but not exceeding the amounts specified in the Schedule against such sums which the Insured shall become legally liable to pay as damages consequent upon</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">a)&nbsp; </span><!--[endif]--><span style="font-size:9pt">accidental bodily injury to or illness of third parties (whether fatal or not)</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">b)&nbsp; </span><!--[endif]--><span style="font-size:9pt">accidental loss of or damage to property belonging to third parties </span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">occurring in direct connection with the erection, construction or testing of the items insured under Section I and happening on or in the immediate vicinity of the site during the Period of Cover.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">In respect of a claim for compensation to which the indemnity provided herein applies, the Insurers will in addition indemnify the Insured against</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">a)&nbsp; </span><!--[endif]--><span style="font-size:9pt">all costs and expenses of litigation recovered by any claimant from the Insured, and</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">b)&nbsp; </span><!--[endif]--><span style="font-size:9pt">all costs and expenses incurred with the written consent of the Insurers,</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">provided always that the liability of the Insurers under this section shall not exceed the limits of indemnity stated in the Schedule.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<h1 style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">SPECIAL EXCLUSIONS TO SECTION II</span></span></h1>\n\n<p style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><strong><span style="font-size:9pt">&nbsp;</span></strong></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">The Insurers will not indemnify the Insured in respect of</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">1.&nbsp; </span><!--[endif]--><span style="font-size:9pt">the deductible stated in the Schedule to be borne by the Insured in any one occurrence;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">2.&nbsp; </span><!--[endif]--><span style="font-size:9pt">expenditure incurred in doing or redoing or making good or repairing or replacing anything covered or coverable under Section I of this Policy;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">3.&nbsp; </span><!--[endif]--><span style="font-size:9pt">liability consequent upon</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.5in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">a)&nbsp; </span><!--[endif]--><span style="font-size:9pt">bodily injury to or illness of employees or workmen of the Contractor(s), the Principal(s) or any other firm connected with the project which or part of which is insured under Section I;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.5in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">b)&nbsp; </span><!--[endif]--><span style="font-size:9pt">loss of or damage to property belonging to or held in care, custody or control of the Contractor(s), the Principal(s) or any other firm connected with the project which or part of which in insured under Section I or an employee or workman of one of the aforesaid;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.5in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">c)&nbsp; </span><!--[endif]--><span style="font-size:9pt">any accident caused by vehicles licensed for general road use or by waterborne vessels or aircraft;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.5in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">d)&nbsp; </span><!--[endif]--><span style="font-size:9pt">any agreement by the Insured to pay any sum by way of indemnity or otherwise unless such liability would have attached also in the absence of such agreement.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<h1 style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">SPECIAL CONDITIONS APPLYING TO SECTION II</span></span></h1>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">1. No admission, offer, promise, payment or indemnity shall be made or given by or on behalf of the Insured without the written consent of the Insurers who shall be entitled, if they so desire, to take over and conduct in the name of the Insured the defense or settlement of any claim or to prosecute for their own benefit in the name of the Insured any claim for indemnity or damages or otherwise and shall have full discretion in the conduct of any proceedings or in the settlement of any claim and the Insured shall give all such information and assistance as the Insurers may require.</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">2. The Insurers may so far as any accident is concerned pay to the Insured the limit of indemnity for any one accident (but deducting therefrom in such case any sum or sums already paid as compensation in respect thereof) or any lesser sum for which the claim or claims arising from such accident can be settled and the Insurers shall thereafter be under no further liability in respect of such accident under this section.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<h3 style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">NOTICE</span></span></h3>\n\n<p><span style="font-family:courier new,courier,monospace"><span style="font-size:9.0pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">The Insurance Commissioner, with offices in Manila, is the government official in charge of the enforcement of all laws relating to insurance and has supervision over insurance companies. He is ready at all times to render assistance in settling any controversy between and Insurance Company and a policyholder relating to insurance matters.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">For your own protection you are requested to read this Policy in full, including its conditions, and if it is not in accordance with your intentions, please return it immediately for correction.</span></span></p>\n\n<p style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">CIVIL CODE ARTICLE 1250 WAIVER CLAUSE</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:center"><span style="font-family:courier new,courier,monospace"><strong><span style="font-size:9pt">&nbsp;</span></strong></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">IT IS HEREBY DECLARED AND AGREED that the provision of Article 1250 of the Civil Code of the Philippines (Republic Act No. 386) which reads;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:46.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&quot;In case an extraordinary inflation or deflation of the currency stipulated should supervene, the value of the currency at the time of the establishment of the obligation shall be basis of payment,&quot;</span></span></p>\n\n<p style="margin-right:46.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:46.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">shall not apply in determining the extent of liability under the provisions of this Policy.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">OMNIBUS CLAUSE</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><strong><span style="font-size:9pt">&nbsp;</span></strong></span></p>\n\n<p style="text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">All applicable provisions of Presidential Decree No. 1460, otherwise known as the Insurance Code of 1978, as amended, as of the date of effectivity, latest renewal or latest reinstatement of this policy/certificate/contract of insurance, as the case may be, and all existing laws obligatory upon insurance companies as may be pertinent are deemed incorporated in this policy/certificate/contract of insurance and will supersede any agreement/contract inconsistent therewith.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:8pt">&nbsp;</span></span></p>\n\n<p><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">CHANGES IN POLICY CLAUSE</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">None of the provisions conditions and terms of the Policy shall be waived or altered except by endorsement signed or initialed by an authorized official of the Insurers and issued in accordance with the provisions of Section 50 of the Insurance Code, as amended.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:8pt">&nbsp;</span></span></p>\n\n<p style="text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">Special Endorsements Attached to and forming part</span></span></p>\n\n<p style="text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:8pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:8pt">&nbsp;</span></span></p>\n\n<p style="margin-right:29.5pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><strong><span style="font-size:9pt">&nbsp;</span></strong></span></p>\n\n<p style="margin-right:29.5pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><strong><span style="font-size:9pt">7 STANDARD ENDORSEMENTS</span></strong></span></p>\n\n<p style="margin-right:29.5pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">IT IS HEREBY UNDERSTOOD AND AGREED, subject to the exceptions and conditions contained herein and of any endorsements hereon, notwithstanding what has been stated to the contrary, that:</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">1.&nbsp; </span><!--[endif]--><span style="font-size:9pt">The Insurers will not indemnify the Insured in respect of loss, damage or liability directly or indirectly arising from any cause whatsoever occurring or already in existence prior to <u>March 16, 2017</u> or during any other period when this Policy was not in force.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">2.&nbsp; </span><!--[endif]--><span style="font-size:9pt">The Insurers are liable for making good any loss or damage to such an extent as cost involved and values of labor and materials are included in the sum insured.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">3.&nbsp; </span><!--[endif]--><span style="font-size:9pt">The Insurers shall not be liable under the Policy to indemnify the Insured for loss or damage arising out of earthquake unless the Insured proves that the earthquake risk was duly taken into account in the design in accordance with the latest edition of the National Structural Code for Building and that the qualities of materials and workmanship and the dimensions of which the calculations were based on were adhered to.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">4.&nbsp; </span><!--[endif]--><span style="font-size:9pt">All claims under the Policy shall be settled on the basis of the sum insured mentioned in the Schedule of the Policy unless the Insured has increased the sum insured up to the price level prevailing at the time of occurrence of the damage.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">5.&nbsp; </span><!--[endif]--><span style="font-size:9pt">If at the time of any loss, damage or liability covered by this Policy there shall be any other insurance covering such damage, effected by or on behalf of the Insured, the Insurers shall not be liable for more than their ratable proportion of such damage. If such other insurance is subject to any condition of advantage to the Insurers this Policy shall be subject to such conditions in like manner. The Insurers shall not be liable for the damage which is or would but for the existence of this Policy be insured by any Policy covering Marine, Fire and/or Explosion Risks.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">6.&nbsp; </span><!--[endif]--><span style="font-size:9pt">The Insurers will only indemnify the Insured with respect to Third Party for loss of or damage to existing underground cables and/or pipes or all other underground facilities if, prior to the commencement of works, the Insured has inquired with the relevant authorities of the exact position of such cables, pipes or other underground facilities.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">The indemnity shall in any case be restricted to the repair cost of such cables pipes or other underground facilities any consequential damage being excluded from the cover.</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><!--[if !supportLists]--><span style="font-size:9pt">7.&nbsp; </span><!--[endif]--><span style="font-size:9pt">In respect of Section II (Third Party Liability), this policy will not respond to any liability or damage arising out of or caused by the overflow, discharge or leakage of water or any form of liquid or contaminants.</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify">&nbsp;</p>\n\n<p style="margin-right:29.5pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><strong><span style="font-size:9pt">995 - ASBESTOS EXCLUSION CLAUSE</span></strong></span></p>\n\n<p style="margin-right:29.5pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">It is agreed and understood that otherwise subject to the terms, exclusions, provisions and conditions contained in the Policy or endorsed thereon, the Insurers shall not indemnify the Insured for loss, damage or liability based upon, arising out of, directly or indirectly resulting from or in consequence of, or any way involving:</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">- asbestos</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-left:.25in; margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">-&nbsp; any actual or alleged asbestos related injury or damage involving the use, presence, existence, detection, removal, elimination or avoidance asbestos or exposure or potential exposure to asbestos.</span></span></p>\n\n<p style="margin-left:0in; margin-right:-.25in"><span style="font-family:courier new,courier,monospace"><span style="font-size:11pt">&nbsp;</span></span></p>\n\n<p><span style="font-family:courier new,courier,monospace"><strong><span style="font-size:9pt">996 - TERRORISM EXCLUSION CLAUSE - NMA 2920</span></strong></span></p>\n\n<p style="text-align:justify"><span style="font-family:courier new,courier,monospace"><strong>&nbsp;</strong></span></p>\n\n<p style="text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">Notwithstanding any provision to the contrary within this insurance or any endorsement therein it is agreed that this insurance excludes loss, damage, cost or expense of whatsoever nature directly or indirectly cased 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.</span></span></p>\n\n<p style="text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">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 purpose including the intention to influence any government and/or to put the public, or any section of the public in fear.</span></span></p>\n\n<p style="text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">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.</span></span></p>\n\n<p style="text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">If the Underwriters allege that by reason 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.</span></span></p>\n\n<p style="text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">In the event any portion of this endorsement is found to be invalid or unenforceable the remainder shall remain in full force and effect.</span></span></p>\n\n<p style="margin-left:0in; margin-right:-.25in"><span style="font-family:courier new,courier,monospace"><span style="font-size:11pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><strong><span style="font-size:9pt">527 - SETTLEMENT OF CLAIM CLAUSE</span></strong></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&nbsp;</span></span></p>\n\n<p style="margin-right:1.45pt; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">IT IS HEREBY UNDERSTOOD AND AGREED, that subject to the terms, exclusions, provisions &amp; condition contained in the policy or endorsed thereon, the last paragraph of General Condition No. </span><span style="font-size:9.0pt">__<strong><u>5</u></strong>__</span><span style="font-size:9pt">of the policy should read as follows and not as previously stated.</span></span></p>\n\n<p style="margin-left:9.0pt; margin-right:.25in; text-align:justify"><span style="font-family:courier new,courier,monospace"><span style="font-size:9pt">&quot; The amount of any loss or damage for which Insurer may be liable under this Policy shall be paid within thirty days after proof of loss is received by the Insurer and ascertainment of the loss or damage is made either by agreement between the Assured &amp; the Insurer or by arbitration; but if such ascertainment is not had or made within sixty days after such receipt by the Insurer of the proof of loss, then the loss or damage shall be paid within ninety days after such receipt. Refusal or failure to pay the loss or damage within the time prescribed herein will entitle the Assured to collect the interest on the proceeds of the policy for the duration of the delay at the rate of six percent (6%) per annum, unless such failure or refusal to pay is based on the ground that the claim is fraudulent.&quot;</span></span></p>\n\n<p style="margin-left:9.0pt; margin-right:.25in; text-align:justify">&nbsp;</p>\n\n<p style="margin-left:9.0pt; margin-right:.25in; text-align:justify">&nbsp;</p>\n\n<p style="margin-left:9.0pt; margin-right:.25in; text-align:justify">&nbsp;</p>\n\n<p style="margin-left:9.0pt; margin-right:.25in; text-align:justify">Nothing herein contained shall be held to vary, alter, waive or change any of the terms, limits or conditions of the policy, except as herein above set forth.</p>\n', '', 551, '', '2018-09-04 11:40:45', '2019-09-19 10:41:17', 245, 69);
INSERT INTO `mstwarrantclause` (`code`, `line_mst_code`, `short_name`, `warrant_title`, `warrant_text`, `default_peril_mst_codes`, `print_order`, `remarks`, `created_at`, `updated_at`, `created_user_mst_code`, `updated_user_mst_code`) VALUES
(853, '1', 'PAWN BROKER''S CLAUSE', 'PAWN BROKER''S CLAUSE', '<p>IT IS HEREBY UNDERSTOOD AND AGREE that in case of loss or damage the value of the Pawned Goods shall be taken as the amount actually advanced upon them with interest to the date of loss at the current legal rate.</p>\n', '', 450, '', '2018-09-07 10:32:40', '2018-09-07 10:32:40', 202, 202),
(854, '1', 'EMP-DIR-PER-EFF', 'EMPLOYEES AND DIRECTORS PERSONAL EFFECTS', '<p>The indemnity provided by this Policy extend to cover the legal liability of the Insured in respect of the clothing and/or personal effects of Employees and Directors.</p>\n', '', 25, '', '2018-10-02 17:02:08', '2018-10-02 17:02:08', 194, 194),
(855, '1', 'INL-TRA-CLA', 'INLAND TRANSIT CLAUSE', '<p>The property insured under this policy is covered in respect of any physical and accidental material loss or damage up to the limit of (as stated in the Policy scheduled) each and every occurrence and annual aggregate per location whilst in transit thereto and there from by road, rail and inland waterway.</p>\n', '', 26, '', '2018-10-02 17:06:23', '2018-10-02 17:06:23', 194, 194),
(856, '1', 'BIR-REV-MEM-ORD', 'BIR REVENUE MEMORANDUM ORDER NO. 15-2001 REVENUE REGULATION NO. 9-2000', '<p>a) It is understood that upon issuance of the policy, no payment for Documentary STamp Tax will be refunded as a result of the cancellation or endorsement of the policy or a reduction in the premium due for whatever reason.&quot;</p>\n\n<p>b) &quot;If a cancellation or endorsement occurs prior to the settlement of the amount due under the policy, you guarantee the payment of the corresponding Documentary Stamps Tax due, which amount may be legally enforced againts, &amp; collected from you.&quot;</p>\n', '', 258, '', '2018-10-31 09:01:07', '2018-10-31 09:01:07', 194, 194),
(857, '1', 'LAW-N-DUR', 'LAW AND JURISDICTION', '<p>This Policy is subject to the jurisdiction of the Philippines and is governed by the Law&nbsp;of the Philippines.</p>\n', '', 529, '', '2018-10-31 09:02:38', '2018-10-31 09:02:38', 194, 194),
(858, '1,6', 'ELE-RIS', 'ELEVATOR RISKS', '<p>IT IS HEREBY DECLARED AND AGREED that notwithstanding anything contained herein to the contrary, this Policy shall extend to include liability resulting from the operation of elevators and/or lifts and is hereby subject to the following Special Conditions:-&nbsp;</p>\n\n<p>1.) the insured shall ensure that the lifting apparatus covered by this Policy is maintained in good working order.&nbsp;</p>\n\n<p>2.) the insured shall ensure that any Government or other regulations relating to the operation and inspection of the apparatus are observed.&nbsp;</p>\n\n<p>3.) the company shall have the right at reasonable times to inspect and examine the apparatus.&nbsp;<br />\n4.) the insured shall once in every twelve (12) calendar months cause to be made at the expense of the insured a thorough inspection of an a report in writing on the apparatus by any engineer previously approved by the Company; shall within four (4) days after receipt thereof send such report to the Company and shall forwith arrange for any repairs, servicing and/or maintenance to be carried out.&nbsp;</p>\n\n<p>5.) No liability shall attached to the company in respect of accidents occurring whilst any lifting apparatus is carrying out a load in excess of the maximum permitted capacity as stated by the makers. It is further declared and agreed that this policy shall not apply to liability arising whilst any lifting apparatus other than lifting apparatus controlled by a push button device is to the knowledge of the insured being operated by an attendant under 15 years of age. EXCEPT AS VARIED by this Memorandum the terms and conditions of this policy including any endorsements shall remain in full force.</p>\n', '', 553, '', '2018-11-12 17:14:03', '2018-11-12 17:14:03', 194, 194),
(859, '1,6', 'SWI-PO-LIA', 'SWIMMING POOL LIABILITY', '<p>It is agreed and understood that subject to the Insured having paid the agreed&nbsp;additional premium, this Policy shall be extended to cover the Insured&#39;s liability for&nbsp;claims made against the Insured for accidents happening in or around or arising out of&nbsp;the ownership, use or operation of the Insured&#39;s swimming pool.</p>\n\n<p>It is warranted that lifeguards are on duty whenever the swimming pool is open for&nbsp;use.<br />\n<br />\nThis Clause is subject otherwise to the terms, conditions and exceptions of this Policy</p>\n', '', 534, '', '2018-11-12 17:15:47', '2018-11-12 17:15:47', 194, 194),
(860, '2', 'JO-EX-LO-COM-TER-EX', 'JOINT EXCESS LOSS COMMITTEE TERRORISM EXCLUSION CLAUSE 16.11.01', '<p style="text-align: justify;">This contract excludes any loss, damage, liability or expense arising from;</p>\n\n<p style="text-align: justify;">a) terrorism; or<br />\nb) steps take to prevent, suppress, control or reduce the consequence of any actual, attempted, anticipated, threatened, suspended or perceived terrorism.</p>\n\n<p style="text-align: justify;">For the purpose of this clause, &quot;terrorism&quot; means any act(s) of any person(s) or organization(s) involving:</p>\n\n<p style="text-align: justify;">(i) the causing occasioning or threathening or harm of whatever nature and by whatever means<br />\n(ii) putting the public of any section of the public in fear</p>\n\n<p style="text-align: justify;">In circumstances in which it is reasonably to conclude that the purpose(s) of the person(s) or organisation(s) concerned are wholly or partly of a political, religious, ideological or similar nature.</p>\n\n<p style="text-align: justify;">If amy Reinsurers asserts that any loss, damage, liability or expense is not covered by reason of this clause it shall be for the Reassured to prove the contrary.<br />\n&nbsp;</p>\n', '', 450, '', '2018-12-03 13:44:43', '2018-12-03 14:06:41', 215, 215),
(861, '2', 'SAN-LIM-EXC', 'SANCTION LIMITATION AND EXCLUSION CLAUSE', '<p style="text-align: justify;">No Insurer shall be deemed to provide cover and no insurer shall be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose that insurer to any sanctions, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulation of the European Union, Japan, United Kingdom or United States of America</p>\n', '', 450, '', '2018-12-03 13:45:36', '2018-12-03 13:45:36', 215, 215),
(862, '2', 'ACC-CLA', 'ACCUMULATION CLAUSE', '<p style="text-align: justify;">Should there by an accumulation of interests beyond the limit expressed in this Insurance by reason of any interruption of transit and/or occurrence beyond the control of the Insured, or by reason of any casualty and/or at a transhipping point and/or on a connecting steamer or conveyance, Insurers shall hold covered such excess interest and shall be liable for the full amount of risk but in no event to exceed twice the insurance limit, provided notice be given to Insurers as soon as known to the Insured.</p>\n', '', 450, '', '2018-12-03 13:46:11', '2018-12-03 13:46:11', 215, 215),
(863, '2', 'ACT-SU-CL', 'ACTION & SUIT CLAUSE', '<p style="text-align: justify;">If a claim be made and rejected and an action or suit be not commenced within 12 months after such rejection, then the claim shall, for all purposes, be deemed to have been abandoned and shall not hereafter be recoverable hereunder.</p>\n', '', 450, '', '2018-12-03 13:46:56', '2018-12-03 13:46:56', 215, 215),
(864, '2', 'CQ-CL', 'CLAIMS QUANTUM CLAUSE', '<p style="text-align: justify;">Insurers agree that where only the quantum of a claim is in question of payment on account will be made equal to 75% of the amounts provisionally agreed by the Insurers.</p>\n', '', 450, '', '2018-12-03 13:47:29', '2018-12-03 13:47:29', 215, 215),
(865, '2', 'CTL', 'CONSTRUCTIVE TOTAL LOSS', '<p style="text-align: justify;">No recovery for a constructive total loss shall be had hereunder unless the property insured is reasonably abandoned on account of its actual total loss appearing to be unavoidable or because in the reasonable good faith opinion of the insured it cannot be preserved from actual total loss without an expenditure which would exceed its value when the expenditure has been incurred.</p>\n', '', 450, '', '2018-12-03 13:48:00', '2018-12-03 13:48:00', 215, 215),
(866, '2', 'CON-DEM', 'CONTAINER DEMURRAGE', '<p style="text-align: justify;">If the insured is instructed by Insurers to hold an intermodal container, and if the Insured is assessed a dumurrage charge for holding the intermodal container past the return date, Insurers will pay the demurrage charges. The amount insurers will pay shall be the charges assessed from the time insurers direct the Insured to hold the container until the time Insurers inform the Insured that the container can be released.</p>\n', '', 450, '', '2018-12-03 13:48:31', '2018-12-03 13:48:31', 215, 215),
(867, '2', 'CON-DAM', 'CONCEALED DAMAGE (90 DAYS)', '<p style="text-align: justify;">It is understood and agreed that in respect of shipment insured hereunder which are received at destination but not unpacked, this policy is extended to cover losses asrising from perils insured against while in transit, which are not ascertained until the opening of the packages, provided such opening occurs not later than ninety (90) days after arrival at destination and, in the absence of proof to the contrary, such losses are to be considered as having occurred during the voyage covered under this policy</p>\n\n<p style="text-align: justify;">Nothing contained herein, however, shall be construed to limit the coverage elsewhere provided herein.</p>\n', '', 450, '', '2018-12-03 13:49:06', '2018-12-03 13:49:06', 215, 215),
(868, '2', 'DEC-CLA', 'DECLARATION CLAUSE (MONTHLY)', '<p style="text-align: justify;">It is a condition of this insurance that all shipments coming within the terms hereof, whose departure falls within a particular month, shall be reported to the Insurer on or before the 20th of the following month and failure to make such reports shall render this policy null and void if the insurer shall so elect.</p>\n', '', 450, '', '2018-12-03 13:49:41', '2018-12-03 13:49:41', 215, 215),
(869, '2', 'DEL-CLA', 'DELAY CLAUSE', '<p style="text-align: justify;">Warranted free of claim for loss of market or for loss, damage or deterioration arising from delay, whether caused by a peril insured against or otherwise, unless expressly assumed in writing hereon.</p>\n', '', 450, '', '2018-12-03 13:50:10', '2018-12-03 13:50:10', 215, 215),
(870, '1,2', 'DEL-DAM-CLA', 'DELIBERATE DAMAGE CLAUSE (CUSTOMS)', '<p style="text-align:justify">This insurance is covers, nowithstanding the Free of Capture &amp; Seizure Warranty contained herein, physical loss of or damage to the property insured arising out of the performance of inspection duties by custom service agents or other duly constitued governmental agencies who are performing inspection duties of or for the customs service.</p>\n', '', 450, '', '2018-12-03 13:51:21', '2019-08-15 16:20:46', 215, 194),
(871, '2', 'DC', 'DUTY CLAUSE', '<p style="text-align: justify;">To cover increase value of cargo by reason of payment of duty at the port or place of destination.</p>\n\n<p style="text-align: justify;">Subject to the same clauses and conditions as the insurance on cargo and to pay the same percentage of loss (excluding charges and expenses) as may be paid threon, but excluding claims in respect of:</p>\n\n<p style="text-align: justify;">a) Total loss of whole or part of the cargo prior to the duty becoming payable.<br />\nb) General Average, Salvage and/or Salvage Charges arising from any casualty occuring prior to the duty becoming payable.</p>\n\n<p style="text-align: justify;">In ascertaning the amount of claim recoverable hereunder, credit shall be given for any rebate or refund of duty which may become allowable.</p>\n\n<p style="text-align: justify;">Subject to the same clauses</p>\n', '', 450, '', '2018-12-03 13:53:58', '2018-12-03 13:53:58', 215, 215),
(872, '2', 'FC', 'FILLING OF CLAIMS', '<p style="text-align: justify;">A. Warranted that all claim against the carrier and/or Arrastre Service or Contractors and/or Custom Broker be filled with the responsible party within fourteen (14) days and/or as specified in the Bill of Lading/Air waybill from receipt of the cargo prior to filling a claim under this Open Policy and the correspondence exchange with such party to be attached to the claim addressed to the Company.</p>\n\n<p style="text-align: justify;">B. It is neccessary for the assured to give prompt notice to the Company when they become aware of any damage to or shortage of goods insured under the within Open Policy and any right to recovery from the company addressed to the company.</p>\n', '', 450, '', '2018-12-03 13:55:04', '2018-12-03 13:55:04', 215, 215),
(873, '2', 'DUR-COV-CLA', 'DURATION OF COVERAGE CLAUSE (IRRESPECTIVE OF TERMS OF PURCHASE OR SALE)', '<p style="text-align: justify;">Nowithstanding the Insured&#39;s terms of purchase and/or sale and notwithstanding places named in the certificate or declaration, the policy shall cover the subject matter insured from the original warehouse and/or place where transit is intended to commence until final warehouse and/or place where transit is intended to terminate, in accordance with the clauses contained herein or endorsed hereon</p>\n\n<p style="text-align: justify;">In the event of a claim hereunder, the insured agrees to subrogate to Underwriters all rights of recovery from the importer/exporter, importers/exporter/policy/policies or other responsible party/parties</p>\n\n<p style="text-align: justify;">This insurance is not to be deemed a double insurance</p>\n', '', 450, '', '2018-12-03 13:55:52', '2018-12-03 13:55:52', 215, 215),
(874, '2', 'INCH', 'INCHMAREE', '<p style="text-align: justify;">This insurance is extended to cover subject to the insured net retained liability, any loss of or damage to the property insured through the bursting of boilers, breakage of shafts, or through any latent defect in the machinery, hull or appurtenances or from faults or errors in the navigation and/or management of the vessel by the master mariners, mates, engineers or pilots.</p>\n', '', 450, '', '2018-12-03 13:56:24', '2018-12-03 13:56:24', 215, 215),
(875, '2', 'IFOACL', 'INCREASE FREIGHT ON ACCOUNT OF A COVERED LOSS', '<p style="text-align: justify;">It is understood and agreed that if there is a loss recoverable under this insurance and the insured makes a replacement shipment, this insurance also specially covers any excess cost of freight on the replacement shipment, the excess cost being determined by comparing the rate of freight on the original shipment with the rate of freight on the replacement shipment. In no event shall the amount of excess freight recoverable hereunder be greater than 100% of freight paid on the entire original shipment providing such freight is on the same basis as the original shipment.</p>\n', '', 450, '', '2018-12-03 13:57:14', '2018-12-03 13:57:14', 215, 215),
(876, '2', 'INT-INS', 'INTEREST INSURED', '<p style="text-align: justify;">All shipments of miscellaneous goods or merchandise of every description mainly bags, shoes, luggages, apparels, outdoor gears, inks/paints (combustible) used for printing, and any other items related to their business operation. By conveyance and/or vessel and/or barge and/or LCT and/or air and/or road and/or rail and/or other conveyance(s) by land, sea or air and connections.</p>\n', '', 450, '', '2018-12-03 13:57:48', '2018-12-03 13:57:48', 215, 215),
(877, '2', 'LIC-CLA', 'LICENSE CLAUSE', '<p style="text-align: justify;">Coverage by this insurance shall not be prejudiced by any liberties, conditions, clauses, limitations, exceptions or exemptions contained in bills of lading, charter parties, contracts of afreightment and/or other contracts or agreements between the shipper and the carrier, but is agreed that the insured will not enter into any agreement releasing the carrier from customary minimum liability. Also, coverage by this insurance shall not be prejudiced by bills of lading and/or bills of sales and/or invoices and/or other documents calling for delivery to or by the insured at a seaport, where the responsibility and/or insurable interest of the insured attaches at or continues to interior place or places</p>\n', '', 450, '', '2018-12-03 13:58:19', '2018-12-03 13:58:19', 215, 215),
(878, '2', 'NCB', 'NO CLAIM BONUS', '<p style="text-align: justify;">In the event of no claim having been made from this policy every after one year from the date of inception, the Insurers will allow to the Insured a No Claim Bonus of 10% of the premium paid.</p>\n', '', 450, '', '2018-12-03 13:58:55', '2018-12-03 13:58:55', 215, 215),
(879, '2', 'RC', 'RECOVERY CLAUSE', '<p style="text-align: justify;">In case of loss or damage giving rise to a claim under this insurance, the Assured or their agents agree to submit the original supporting documents to the Company on or before the 9th month anniversary of the claim in order not to prejudice the recovery rights of the Company.</p>\n', '', 450, '', '2018-12-03 13:59:34', '2018-12-03 13:59:34', 215, 215),
(880, '2', 'RE-SEV-LIA', 'REINSURERS SEVERAL LIABILITY LMA3333', '<p style="text-align: justify;">(Re) Insurer&#39;s Liability Several not joint</p>\n\n<p style="text-align: justify;">The Liability of a (Re)Insurer under this contract is several and not joint with other (Re)Insurer party to this contract. A (Re)Insurer is liable only for the proportion of liability it has underwritten. A (Re)Insurer is not jointly liable for the proportion liability underwritten by any other (Re)Insurer. Nor is a (Re)Insurer otherwise responsible for any liability of any other (Re)Insurer that may underwrite this contract</p>\n\n<p style="text-align: justify;">The proportion of liability underwritten by any other (Re)Insurer (or, in the case of a Lloyd&#39;s syndicate, the total of the proportions underwritten by all the members of the syndicate taken together) is shown next to its stamp. This is subject always to the provision concerning &quot;signing&quot; below.</p>\n\n<p style="text-align: justify;">In case of Lloyd&#39;s syndicate, each member of the syndicate (rather than the syndicate itself) is a (Re)Insurer. Each member has underwritten a proportion of the shown for the syndicate (that total itself being the total of the proportions underwritten by all the members of the syndicate taken together. The liability of each member of the syndicate is several and not joint with other members. A member is liable only for that member&#39;s proportion. A member is not jointly liable for any other member&#39;s proportion. Nor is any member otherwise responsible for any liability of any other (Re)Insurer that may underwritten this contract.</p>\n\n<p style="text-align: justify;">The business address of each member is Lloyd&#39;s one lime street, LONDON EC3M 7HA. The identify of each member of a Lloyd&#39;s syndicate and their respective proportion may be obtained by writing to market services, Lloyd&#39;s, at the above address.</p>\n\n<p style="text-align: justify;">Proportion of Liability</p>\n\n<p style="text-align: justify;">Unless there is &quot;Signing&quot; (see below), the proportion of liability under this contract underwrittten by each (Re)Insurer (or, in the case of a Lloyd&#39;s syndicate, the total of the proportions underwritten by all the members of the syndicate taken together) is shown next to its stamp and is referred to as its &quot;written line&quot;.</p>\n\n<p style="text-align: justify;">Where this contract permits, written lines, or certain</p>\n', '', 450, '', '2018-12-03 14:00:22', '2018-12-03 14:00:22', 215, 215),
(881, '2', 'SEE-ADM', 'SEEWORTHINESS ADMITTED', '<p style="text-align: justify;">The seeworthiness of the vessel, craft and or conveyance as between the Insured and Insurers is hereby admitted. In the event of loss, the Insured right of recovery hereunder shall not be prejudiced by the fact that the loss may have been attributable to the wrongful act or misconduct of the ship-owners, or their servants, committed without the privy of the Insured.</p>\n', '', 450, '', '2018-12-03 14:00:51', '2018-12-03 14:00:51', 215, 215),
(882, '2', 'SEC-HAN-REP', 'SECOND HAND REPLACEMENT', '<p style="text-align: justify;">In the event of claim &nbsp;for loss or damage to any part or parts of the insured interest in consequence of a peril covered by the policy, the amount recoverable hereunder shall not exceed such proportion of the cost of replacement of the parts lost or damaged as the insured value bears to the value of new machinery, plus additional charges for forwarding, plus additional charges for forwarding and refitting the new part or parts of incurred.</p>\n', '', 450, '', '2018-12-03 14:01:25', '2018-12-03 14:01:25', 215, 215),
(883, '2', 'SIX-DAYS', 'SIXTY (60) DAYS CLAUSE', '<p style="text-align: justify;">Notwithstanding any provision contained in or endorsed on the certificate of policy of insurance, it is hereby warranted that this insurance terminates not later than delivery either</p>\n\n<p style="text-align: justify;">a) To the consignee or other final warehouse or place of storage at the destination named in the policy,<br />\nb) To any other warehouse or place of storage, whether prior to or at the destination named on the policy which the assured elects to use either/<br />\ni) For storage other than in the ordinary course of transit or<br />\nii) For allocation or distribution, or<br />\nc) On the expiry of sixty (60) days after completion of discharge overside of the goods hereby insured from the oversea vessel at the final port of discharge, whichever shall first occur.</p>\n\n<p style="text-align: justify;">It is further warranted that survey for loss and/or damage must be held within sixty (60) days after completion of discharge overside of the goods hereby insured from the oversea vessel at the final port of discharge.</p>\n\n<p style="text-align: justify;">The time limits referred to above to be reckoned from midnight of the day on which the discharge overside of the goods hereby insured from the oversea vessel in completed.</p>\n', '', 450, '', '2018-12-03 14:02:10', '2018-12-03 14:02:10', 215, 215),
(884, '2', 'TDC', 'TAXES AND DUTIES CLAUSE', '<p style="text-align: justify;">It is hereby understood and agreed that taces and duties are insured separately and no liability shall attach to the policy unless daid taxes and duties actually incurred (after examination of the cargo by the customs examiner) and paid for the insured.</p>\n', '', 450, '', '2018-12-03 14:02:56', '2018-12-03 14:02:56', 215, 215),
(885, '3', '7030-SHARING', '70%-30% SHARING', '<p>70% (ABIC) 30 %( ASSURED) sharing agreement in case of theft. Warranted that loss by theft is not covered whilst the unit is park unattended unless parked in a surely enclosed bldg. and/or compound and the key of which have been removed to a place of safety.</p>\n', '', 30, '', '2018-12-04 10:05:27', '2018-12-04 15:25:35', 69, 69),
(886, '1', 'CAN-LIA', 'CANINE LIABILITY', '<p>It is hereby declared and agreed that the coverage under this policy includes bodily injury and/or property damage to third parties caused by cannie dogs of the insured.</p>\n', '', 523, '', '2018-12-10 15:51:44', '2018-12-10 15:51:44', 194, 194),
(887, '1', 'DEF-SAN-INS-CLA', 'DEFECTIVE SANITARY INSTALLATIONS CLAUSE', '<p>Notwithstanding anything contained herein to the contrary, it is hereby declared and agreed that this Policy extends to cover the legal liabilities of the Insured as within defined in respect of the illness, injury, loss or damage caused by or in connection with or arising from Defective Sanitary Installation occurring within the Territorial limits.<br />\n<br />\nSubject otherwise to the terms, exceptions and conditions of this Policy.</p>\n', '', 553, '', '2018-12-10 16:02:46', '2018-12-10 16:02:46', 194, 194),
(888, '1', 'PER-ADV-INJ-LIA', 'PERSONAL AND ADVERTISING INJURY LIABILITY', '<p>A general&nbsp;<strong>liability</strong>&nbsp;coverage, combined in standard commercial general&nbsp;<strong>liability</strong>(CGL) policies with&nbsp;<strong>personal injury</strong>&nbsp;(PI) coverage, that insures the following offenses in connection with the insured&#39;s&nbsp;<strong>advertising</strong>&nbsp;of its goods or services: libel, slander, invasion of privacy, copyright infringement, and misappropriation.</p>\n', '', 553, '', '2018-12-13 14:35:54', '2018-12-13 14:35:54', 194, 194),
(889, '6', 'OIL-POL-OIL-SPL-CLE', 'OIL POLLUTION/OIL SPILL CLEAN UP CLAUSE', '<p>It is hereby understood and agreed that this policy cover any liability in respect to; &nbsp;&nbsp;<br />\n&nbsp;1. &nbsp;Personal injury or Bodily injury or loss of, damage to or loss of &nbsp;property directly or indirectly &nbsp;<br />\n&nbsp; caused by seepage, pollution or contamination substance. &nbsp;<br />\n&nbsp;2. &nbsp;The cost of removing, nullifying or cleaning up seeping, polluting or contaminating substances &nbsp;<br />\n&nbsp; unless the seepage, pollution or contamination is a consequence of an otherwise under this &nbsp;<br />\n&nbsp; agreement indemnifiable sudden, unintended or unexpected happening. &nbsp;<br />\n&nbsp;3. &nbsp;Fines, penalties punitive or exemplary damages. &nbsp;<br />\n&nbsp; This clause shall not extend this agreement to cover any liability which would not have been covered &nbsp;&nbsp;<br />\n&nbsp;under this agreement had this clause not been affected. &nbsp;&nbsp;<br />\n&nbsp; &nbsp;&nbsp;<br />\n&nbsp;Provided that the liability of the Company under this extension shall not exceed PESOS FOUR HUNDRED &nbsp; &nbsp;<br />\n&nbsp;THOUSAND (PHP 500,000.00) subject to a deductible of PHP 25,000.00 for EACH AND EVERY LOSS.</p>\n', '', 100, '', '2019-01-17 08:43:28', '2019-01-17 08:43:28', 69, 69),
(890, '1', 'WIN-CYC-HAI-TOR', 'WINDSTORM, CYCLONE, HAILS, TORNADO', '<p>The company shall not be liable for loss caused directly or indirectly by (a) frost or cold weather or &nbsp; ice (other than hail), snowstorm sleet high water or overflow whether directly driven by wind or not.&nbsp;</p>\n\n<p>The company shall not be liable for loss to the interior of the building or the property covered therein caused by rain, snow, sand or dust whether driven by wind or not, unless the building covered or containing the property covered shall first sustain an actual damage to the roof or walls by the direct force of wind or hail and then shall liable for loss to the interior of the building or the property by covered therein as may be caused by rain, snow, sand or dust entering the building through openings in the roof or walls made by direct action or wind, typhoon or hail.&nbsp;</p>\n\n<p>Unless liability therefore is assumed in the form attached to this Policy, or by endorsement thereon, the Company shall not be liable for damage to the following property: (a) windmills, wind pumps or their towers (c) copra silo (or their contents) or (d) cloth, awnings, sign, outdoor (radio and television) equipment metal smokesticks.</p>\n', '', 525, '', '2019-01-21 11:14:53', '2019-01-21 11:14:53', 194, 194),
(891, '1', 'ADJ-CL', 'ADJUSTERS CLAUSE', '<p>IT IS HEREBY DECLARED AND AGREED, that is case of claim the following adjuster companies (as per policy schedule)&nbsp;shall be appointed to control investigation, negotiation and reporting of claim under this Policy.&nbsp;</p>\n\n<p>IT IS FURTHER DECLARED AND AGREED, that the Company has the right to replace the appointed adjuster as it may deem necessary.&nbsp;</p>\n', '', 521, '', '2019-05-15 14:45:31', '2019-05-15 14:45:31', 194, 194),
(892, '1', 'PRE-ACC', 'PREVENTION OF ACCESS', '<p>Notwithstanding anything contained in this policy to the contrary, this Policy hereby covers subject to the conditions of this policy, loss resulting from interruption of or interference with the business in consequence of damage to property in the vicinity of the premises, whether property of the insured therein shall be damaged or not, shall be deemed to be loss resulting from damage to property used by the Insured at the premises.</p>\n', '', 211, '', '2019-07-04 09:33:42', '2019-07-04 09:33:42', 194, 194),
(893, '1', 'OBSO', 'OBSOLESCENCE', '<p>In the event of properties or spare parts currently insured under this policy becoming obsolete following an indemnifiable loss, such spare parts or properties shall also be deemed to be a constructive total loss.</p>\n\n<p>Payment under this clause will be on the basis of the cost of buying the equivalent spare parts or property for the new machine/eqipment. For those parts or properties not replace, settlement will be on the basis of the original cost price.</p>\n\n<p>No betterment shall be applied in the settlement under this clause.</p>\n', '', 501, '', '2019-08-15 10:22:03', '2019-08-15 10:22:03', 194, 194),
(894, '1', 'ADL-INC-WOR', 'ADDITIONAL INCREASED COST OF WORKING', '<p>This insurance hereby covers additional increased cost of working reasonably loss or damage at the Insured&#39;s Premises for any of the following purposes:</p>\n\n<p>a) Avoiding or diminishing a reduction in Turnover that would, but incurred, have taken place during the Indemnity Period.</p>\n\n<p>b) Resuming or maintaining any normal operation or service that the Insured operated during the Indemnity Period.</p>\n', '', 541, '', '2019-09-11 11:25:04', '2019-09-11 11:25:04', 194, 194),
(895, '1', 'VIS-EFF-VEH-CLA', 'VISITORS EFFECTS AND VEHICLES CLAUSE', '<p>Exception No. 6 (Property in the Physical and/or Legal Control) does not apply to liability for Property Damage to property of guests or lodgers deposited with the Insured specifically for safe custody provided that no cover is provided by this endorsement for property which is not received for safe custody through the refusal or default of the Insured.</p>\n', '', 545, '', '2019-09-11 11:35:11', '2019-09-11 11:35:11', 194, 194),
(896, '1', 'ALT-TRA-CLA', 'ALTERNATIVE TRADING CLAUSE', '<p>If during the Period of Restoration goods shall be sold or services shall be rendered elsewhere than at the Premises for the benefit of the Business either by the Insured or by others on his behalf the money paid or payable in respect of such sales or services shall be brought into account in arriving at the Extra Expense&nbsp;during the Indemnity Period.</p>\n', '', 546, '', '2019-09-11 11:49:34', '2019-09-11 11:49:34', 194, 194),
(897, '1', 'DAT-CLA-CLA', 'DATA CLARIFICATION CLAUSE', '<p>This policy extends to cover Data Clarification Clause</p>\n\n<p><strong>DAMAGE CLARIFICATION CLAUSE</strong></p>\n\n<p>It is hereby declared and agreed that the property damage covered under this policy shall mean physical damage to the substance of the items insured.</p>\n\n<p>Physical damage to the item(s) insured shall not include loss of or damage:</p>\n\n<p>&nbsp;1. To data of software, e.g. any detrimental change in date, software or computer programs caused by any deletion, corruption or deformation of the original structure. Notwithstanding this, however&nbsp;loss of or damage to data or software which is the direct consequence of insured physical damage to the substance of the item(s) insured shall be covered.</p>\n\n<p>&nbsp;2. Resulting from impairment in the function, availability, range of use or&nbsp;accessibility of data, software or computer programs of the item(s) insured.</p>\n', '', 1, '', '2019-10-11 10:52:33', '2019-10-11 10:54:54', 194, 194),
(898, '1', 'edrec', 'ELECTRONIC DATA RECOGNITION EXCLUSION CLAUSE', '<p>Notwithstanding any provision to the contrary in the Policy or any Endorsement thereto it is understood and agreed as follows:&nbsp;</p>\n\n<p>(A)This Policy does not insure: i. Total or partial destruction, distortion, erasure, alteration, misinterpretation or misappropriation of Electronic Data, ii. Error in creating, amending, entering, deleting using Electronic Data, or iii. Total or partial inability or failure to receive, send, access or use electronic data Tor any time or at all &nbsp;</p>\n\n<p>From any cause whatsoever, regardless of any other contributing cause or event whenever it may occur.&nbsp;</p>\n\n<p>Electronic Data means facts, concepts and information converted to a form useable for communication, display, distribution, interpretation or processing by Electronic and Electromechanical Data Processing or Electronically Controlled Equipment and includes programmes software and other coded instructions for such equipment.</p>\n\n<p>(B) However, in the event that a peril listed below (being a peril insured by this Policy but for this exclusion) is caused by any matters described in Paragraph (A) above, this Policy, subject to all its provisions, will insure: i. Physical loss or damage or destruction to property insured directly caused by such listed peril and/or ii. Consequential loss insured by this Policy.&nbsp;</p>\n\n<p>Further this Exclusion does not apply in the event that a peril listed below (being a peril insured by this Policy but for this Exclusion) caused any of the matters described in Paragraph (A) above&nbsp;</p>\n\n<p>Fire Explosion, Lightning, Windstorm, Hail, Tornado, Cyclone, Hurricane, Earthquake, Volcano, Tsunami, Flood, Freezing, Weight of Snow, Impact by Aircraft or other Aerial objects dropped therefrom, Impact from road vehicle or animal, bursting, Overflowing, Discharging or Leaking of Water Tanks Apparatus of Pipes, or Theft of Electronic Data solely where such theft is accompanied by theft of the computer hardware, firmware, medium, microchip, integrated circuit or similar device containing such Electronic Data.</p>\n\n<p>(C) For the purposes of the basis of settlement provision in this Policy, computer systems records included Electronic Data as defined in Paragraph (A) above.&nbsp;</p>\n\n<p>Any terrorism exclusion in this Policy or any endorsement thereto prevails over this endorsement.</p>\n', '', 123, '', '2019-10-21 11:07:26', '2019-10-21 11:07:26', 194, 194),
(899, '6', 'PF-CONDITIONS', 'PROPERTY FLOATER ALL RISK ENDORSEMENT', '<p><br />\nSCHEDULE EQUIPMENT FLOATER &ndash; ALL RISKS ENDORSEMENT<br />\n(Non-Commercial Vehicle)</p>\n\n<p>PROPERTY FLOATER&nbsp;</p>\n\n<p>1.&nbsp;&nbsp; &nbsp;PROPERTY INSURED &ndash; Covering upon the property and equipment described in the policy including appurtenances thereof, attached thereto and/or contained thereon, for an amount not exceeding that &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; shown &nbsp; with respect of each scheduled item as stated in the description.<br />\nWarranted by the Assured that the property insured hereunder is in sound condition at the time of attachment of &nbsp; this policy.</p>\n\n<p>2.&nbsp;&nbsp; &nbsp;LIMIT OF LIABILITY &ndash; It is agreed that the limit of liability for which this Company may be liable for any one loss, disaster or casualty including &nbsp;salvage charges, sue and labor, or other expenses, or all combined, shall not exceed to the limit of liability</p>\n\n<p>3.&nbsp;&nbsp; &nbsp;THIS ENDORSEMENT INSURES AGAINST:<br />\nALL RISKS OF DIRECT PHYSICAL LOSS OR DAMAGE FROM ANY EXTERNAL CAUSE TO THE INSURED PROPERTY (INCLUDING GENERAL AVERAGE AND SALVAGE CHARGES FOR WHICH THE ASSURED BECOMES LEGALLY LIABLE) EXCEPT AS HEREINAFTER PROVIDED.</p>\n\n<p>4.&nbsp;&nbsp; &nbsp;In addition to the exclusions in the policy form to which this endorsement is attached. &nbsp;THIS ENDORSEMENT DOES NOT INSURE AGAINST:<br />\n&nbsp;<br />\na)&nbsp;&nbsp; &nbsp;Loss or damage to the property insured caused by or resulting from wear and tear, gradual deterioration, inherent vice, latent defect, mechanical, breakdown, corrosion, rust, dampness of the atmosphere or freezing unless such damage is the result of other loss covered by this endorsement&nbsp;</p>\n\n<p>b)&nbsp;&nbsp; &nbsp;Theft, wrongful conversion or embezzlement by Assured&rsquo;s employees or by any person to whom the insured property is entrusted;</p>\n\n<p>c)&nbsp;&nbsp; &nbsp;Loss or damage to tires or tubes due and confined to blowout, bruises, cuts or other cause inherent in the use of the equipment, unless such damage is the result of other loss covered by this policy.</p>\n\n<p><br />\nd)&nbsp;&nbsp; &nbsp;Loss or damage caused by or resulting from strikes, lockouts, labor disturbances, riots, civil commotions , or &nbsp;the acts of any person or persons taking part in any such occurrence or disorder;</p>\n\n<p>e)&nbsp;&nbsp; &nbsp;Loss or damage caused directly or indirectly, by: (a) enemy attack by armed forces, including action taken by military, naval or air forces in resisting an actual or an immediately impending enemy attack; or (b) invasion, insurrection, rebellion, revolution, civil war, unsurped power; or (c) seizure or destruction under quarantine or customs regulations, confiscation by order of any government or Public Authority, risks of contraband, or illegal transportation or trade;&nbsp;</p>\n\n<p>f)&nbsp;&nbsp; &nbsp;Loss If, at the time of loss or damage, there is any other valid and collectible insurance which would attach if this insurance had not been effected, except that this insurance shall apply only as excess and in no event as contributing insurance and then only after all such other insurance has been exhausted;</p>\n\n<p>g)&nbsp;&nbsp; &nbsp;Consequential loss or damage of any kind or description whatsoever including (a) delay in completing, negotiating and loss of contracts (b) deterioration and loss of market.</p>\n\n<p>h)&nbsp;&nbsp; &nbsp;Subside, Landslide, Landslip, Mining Risk</p>\n\n<p>5.&nbsp;&nbsp; &nbsp;Notwithstanding any other conditions contained herein it shall be optional with the Company, in the event of loss or damage to the property insured, to take delivery of such property; and also repair or replace the property lost or damaged with other of like kind and quality within reasonable time, provided notice of such intention is given within fifteen days after receipt of satisfactory proof of loss.</p>\n\n<p>6.&nbsp;&nbsp; &nbsp;DEDUCTIBLE &ndash; Each claim for loss or damage shall be adjusted separately and from the amount of each adjusted claim or the applicable limit of liability, whichever is less, the sum of ( ) shall be deducted. &nbsp;Such deductible shall not apply, however, to loss or damage by fire, lightning, windstorm, cyclone, tornado, hail and explosion.</p>\n\n<p>7.&nbsp;&nbsp; &nbsp;CO-INSURANCE &nbsp;- &nbsp;This company shall not be liable for a greater proportion of the loss or damage to the property scheduled herein than the total sum insured under said schedule bears to ONE HUNDRED (100%) percent of the actual cash value of said property at the time such loss or damage shall happen.</p>\n\n<p>8.&nbsp;&nbsp; &nbsp;All this endorsement shall be issued only in accordance with Section 50 of the Insurance Code.<br />\n&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;<br />\n&nbsp;</p>\n\n<p>&nbsp;</p>\n', '', 1, '', '2019-10-29 10:03:25', '2019-10-31 08:53:23', 176, 176),
(900, '1', 'LIB-CLA', 'LIBERALIZATION CLAUSE', '<p>It is hereby declared and agreed that notwithstanding anything in the printed conditions of this Policy to the contrary, it is specifically understood that insurance policy provision allowing adjustments to existing coverage to comply with changes to laws and regulations.</p>\n', '', 553, '', '2020-01-07 11:24:38', '2020-01-07 11:24:38', 194, 194),
(901, '1', 'AUT-INC-PRO', 'AUTOMATIC INCREASE PROVISION', '<p>This Policy extends to cover amounts representing any increase in value of the sum insured on each item up to AS PER POLICY SCHEDULE of the total sum insured. It being understood that the Insured undertakes to advise all such additional insurance within AS PER POLICY SCHEDULE from the date of the inception of such increases and to pay additional insurance premium required from the date of inception thereof.</p>\n\n<p>Following the advice of any additional insurance, the provisions of this memorandum is fully reinstated.</p>\n', '', 20, '', '2020-01-15 11:08:01', '2020-01-15 11:08:01', 194, 194),
(902, '1', 'EMP-LIA', 'EMPLOYER''S LIABILITY', '<p>Bodily Injury to any Employee in the service of the insured or claiming compensation from the Insured under any workman&#39;s compensation law or similar legislation as a workman in the service of the subcontractor of the Insured.&nbsp;</p>\n', '', 52, '', '2020-01-15 11:17:06', '2020-01-15 11:17:06', 194, 194),
(903, '1', 'LIF-HO-ESC-ELEV', 'LIFTS, HOISTS, ESCALATORS AND ELEVATORS', '<p>IT IS HEREBY DECLARED AND AGREED that liability arising from the operations of passenger lifts or elevators/escalators installed in the premises if any, is deemed covered.</p>\n\n<p>PROVIDED THAT</p>\n\n<p>1. the Insured shall ensure that the lifting apparatus covered by this Policy is maintained in good working order.</p>\n\n<p>2. the Insured shall ensure that any Government or other regulations relating to the operation and inspection of the apparatus are observed.</p>\n\n<p>3. the Company shall have the right at reasonable times to inspect and examine the appratus.</p>\n\n<p>4. the Insured shall once in every twelve (12) calendar months cause to be at the expense of the Insureda thorough inspection of and a report in writing on the apparatus by any Engineer previously approved by the Company shall within four (4) days after receipt thereof such report to the Company and shall forthwith arrange for any repairs, servicing and/or maintenance to be carried out.</p>\n\n<p>5. that Gondola is hereby included in&nbsp; the cover.</p>\n', '', 54, '', '2020-01-15 11:28:16', '2020-01-15 11:28:16', 194, 194),
(904, '1', 'NON-COM-LEG', 'Non-Compensatory Damages/ Non Compensatory Legal Liability ', '<p>NOTWITHSTANDING ANYTHING TO THE CONTRARY, EXCEPT IN CONNECTION WITH ANY DAMAGES OR LOSSES PAYABLE TO THIRD PARTIES FOR WHICH INDEMNIFICATION IS SOUGHT UNDER THE TERMS OF THIS AGREEMENT, NONE OF THE PARTIES OR ANY OF THEIR RESPECTIVE AFFILIATES SHALL BE ENTITLED TO CONSEQUENTIAL, SPECIAL, INDIRECT, PUNITIVE (EXCEPT TO THE EXTENT PAYABLE TO THIRD PARTIES) OR EXEMPLARY DAMAGES, IN EACH CASE IN CONNECTION WITH THIS AGREEMENT AND THE TRANSACTIONS CONTEMPLATED HEREBY AND, EXCEPT AS OTHERWISE PROVIDED ABOVE IN THIS SENTENCE, EACH OF THE PARTIES, FOR ITSELF AND ON BEHALF OF ITS AFFILIATES, HEREBY EXPRESSLY WAIVES ANY RIGHT TO CONSEQUENTIAL, SPECIAL, INDIRECT, PUNITIVE (EXCEPT TO THE EXTENT PAYABLE TO THIRD PARTIES) OR EXEMPLARY DAMAGES IN CONNECTION WITH THIS AGREEMENT AND THE TRANSACTIONS CONTEMPLATED HEREBY</p>\n', '', 54, '', '2020-01-16 14:30:33', '2020-01-16 14:30:33', 194, 194);
INSERT INTO `mstwarrantclause` (`code`, `line_mst_code`, `short_name`, `warrant_title`, `warrant_text`, `default_peril_mst_codes`, `print_order`, `remarks`, `created_at`, `updated_at`, `created_user_mst_code`, `updated_user_mst_code`) VALUES
(905, '1', 'HOM-PRO', 'HOME PROTECT 2000 ENDORSEMENT', '<p>This endorsement/warranty/clause is effective ____________________________<br />\nAttached to and forming part of Policy No: _______________________________<br />\nPlace Issued: &nbsp; _________________ &nbsp;Date Issued: &nbsp; ________________________</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;HOME PROTECT 2000 ENDORSEMENT</p>\n\n<p>In consideration of the payment by the Insured to the Company of the corresponding &nbsp;premium, the Company agrees, notwithstanding what is stated in the printed conditions of this Policy to the contrary, that this insurance covers loss or damage to the property insured by this Policy under the Home Protect 2000 program.&nbsp;</p>\n\n<p>The HOME PROTECT 2000 covers Building and/or Contents, occupied solely as residence. Said building should be classified as class A as per PIRA definition (e.g. Building constructed of concrete &amp;/or concrete hollow blocks under galvanized iron or tegula or hard roof).</p>\n\n<p>The HOME PROTECT 2000 gives you insurance protection that covers the loss to your residence and/or its contents due to: &nbsp;&nbsp;</p>\n\n<p>&nbsp; &nbsp; &nbsp;Fire and/or Lightning,&nbsp;<br />\n&nbsp; &nbsp; &nbsp;Earthquake,&nbsp;<br />\n&nbsp; &nbsp; &nbsp;Extended Cover (Smoke, Explosion, Vehicle Impact and Falling Aircraft).</p>\n\n<p>The amount recoverable shall not exceed the amount/limit specified &nbsp;under this extension of cover and shall not in any way increase the total coverage amount of Php500,000.00 being the maximum amount payable under this policy.</p>\n\n<p>Extension of Covers:</p>\n\n<p>Loss of Rent/Alternative Accommodation</p>\n\n<p>In addition to the overall limit of the sum insured under the policy, in the event of the building/s being rendered uninhabitable due to a covered peril, the Company will indemnify the insured up to a limit of Php10,000.00 per month for a maximum period of six (6) months against</p>\n\n<p>&nbsp; &nbsp; (a)&nbsp;&nbsp; &nbsp;If the Insured owns the insured premises, the reasonable and<br />\nnecessary rental expense for an &nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; alternative comparable accommodation, or<br />\n&nbsp; &nbsp; (b)&nbsp;&nbsp; &nbsp;If the insured is renting the insured premises, the increase in rental for an alternative comparable&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; accommodation.</p>\n\n<p>The amount recoverable shall not exceed the amount/limit specified &nbsp;under this extension of cover and shall not in any way increase the total coverage amount of Php500,000.00 being the maximum amount payable under this policy.</p>\n\n<p><br />\nFire Fighting Expenses&nbsp;</p>\n\n<p>Pays actual cost of materials used &amp;/or damaged in extinguishing or putting out a fire within the assured&rsquo;s premises. &nbsp;Subject to a maximum limit of P10,000.00</p>\n\n<p>The amount recoverable shall not exceed the amount/limit specified &nbsp;under this extension of cover and shall not in any way increase the total coverage amount of Php500,000.00 being the maximum amount payable under this policy.</p>\n\n<p><br />\nDomestic Outbuilding Clause</p>\n\n<p>This policy shall be extended to provide coverage for walls, gates, fences, small outside buildings, extensions, annexes, steel and iron frameworks and water tanks within the insured&rsquo;s premises. Subject to a limit of P20,000.00 anyone occurrence and in the aggregate</p>\n\n<p>The amount recoverable shall not exceed the amount/limit specified &nbsp;under this extension of cover and shall not in any way increase the total coverage amount of Php500,000.00 being the maximum amount payable under this policy.</p>\n\n<p><br />\nComprehensive Personal Liability (CPL)&nbsp;</p>\n\n<p>Covers the Insured and his household members including his house helpers up to a limit &nbsp;of P100,000.00 anyone occurrence and in the aggregate as they become legally obligated to pay for compensation in respect of:<br />\n&nbsp; &nbsp; a)&nbsp;&nbsp; &nbsp;Bodily injury to or illness to any person<br />\n&nbsp; &nbsp; b)&nbsp;&nbsp; &nbsp;Loss of or damage to property</p>\n\n<p>Occurring during the Period of Indemnity and happening or caused within the Insured premises.&nbsp;</p>\n\n<p>The amount recoverable shall not exceed the amount/limit specified &nbsp;under this extension of cover and shall not in any way increase the total coverage amount of Php500,000.00 being the maximum amount payable under this policy.</p>\n\n<p>Family Personal Accident &ndash; Covers the insured&rsquo;s family members residing within the premises against accidental death and disablement subjected to the following:</p>\n\n<p>&nbsp;&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Insured&nbsp;&nbsp; &nbsp; &nbsp; &nbsp;Spouse/Parent*&nbsp;&nbsp; &nbsp;Each Child max of 3**<br />\nAccidental Death&nbsp;&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;200,000.00&nbsp;&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;100,000.00&nbsp;&nbsp; &nbsp; &nbsp; &nbsp; 20,000.00<br />\nAccidental Permanent Disablement&nbsp;&nbsp; &nbsp; &nbsp;200,000.00 &nbsp; &nbsp; &nbsp;&nbsp; &nbsp;100,000.00&nbsp;&nbsp; &nbsp; &nbsp; &nbsp; 20,000.00<br />\nAccidental Dismemberment&nbsp;&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Up to 200,000.00&nbsp;&nbsp; &nbsp;Up to 100,000.00 &nbsp; &nbsp; Up to 20,000.00<br />\nUnprovoked Murder &amp; Assault&nbsp;&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;100,000.00&nbsp;&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 50,000.00&nbsp;&nbsp; &nbsp; &nbsp; &nbsp; 10,000.00</p>\n\n<p>*If Insured is married, extended to Spouse. &nbsp;If Insured is single, extended to parent. &nbsp;Spouse or parent shall not be more than 65 years of age.&nbsp;</p>\n\n<p>**Children shall not be more than 21 years of age.&nbsp;</p>\n\n<p>The amount recoverable shall not exceed the amount/limit specified &nbsp;under this extension of cover and shall not in any way increase the total coverage amount of Php500,000.00 being the maximum amount payable under this policy.</p>\n\n<p><br />\nPersonal Accident to Resident Employees- 5,000.00 per employee, maximum of 2</p>\n\n<p>Provides compensation in the event that the Resident Employee living with the Principal Insured aged 65 or less, died by accident whilst in the Principal Insured&rsquo;s employment.<br />\nThe amount recoverable shall not exceed the amount/limit specified &nbsp;under this extension of cover and shall not in any way increase the total coverage amount of Php500,000.00 being the maximum amount payable under this policy.</p>\n\n<p>Deductibles:&nbsp;</p>\n\n<p>&nbsp; &nbsp;&bull; Extended Coverage &ndash; 1% of the sum insured on the affected items but not less than P1,000.00&nbsp;<br />\n&nbsp; &nbsp; &nbsp;nor more than P500,000.00 on any material damage.&nbsp;</p>\n\n<p>&nbsp; &nbsp;&bull; Earthquake &ndash; 2% of the actual cash value of the property affected at the time of loss for&nbsp;<br />\n&nbsp; &nbsp; &nbsp;each claim or series of claims arising out of one occurrence subject to the PIRA standard EQ&nbsp;<br />\n&nbsp; &nbsp; &nbsp;deductible&nbsp;<br />\n&nbsp; &nbsp; &nbsp;<br />\n&nbsp; &nbsp;&bull; Loss of Rent/Alternative Accommodation &ndash; seven (7) days</p>\n\n<p>&nbsp; &nbsp;&bull; Comprehensive Personal Liability (CPL) - 10% of the claim, minimum of P2,000.00 for each and&nbsp;<br />\n&nbsp; &nbsp; &nbsp;every loss in respect of third-party property damage only.&nbsp;</p>\n\n<p><br />\nCoverage<br />\nMaximum P 500,000.00 on a First Loss Basis &nbsp;</p>\n\n<p>Co-Insurance: &nbsp;To be declared, if any.</p>\n\n<p>&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;ALLIEDBANKERS INSURANCE CORPORATION</p>\n\n<p>&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;By: ____________________________________</p>\n\n<p>CONFORME:</p>\n\n<p>____________________________________<br />\nAssured&nbsp;<br />\n&nbsp;</p>\n', '', 54, '', '2020-01-20 14:58:49', '2020-01-20 14:58:49', 194, 194),
(906, '1', 'INC-CLA', 'INCLUDES CLAUSE', '<p>&quot; This contract is between (name of client) and (name of financial product provider): All transactions arising out of or related to this contract shall be binding only between these two (2) contracting parties: It is understood that this transaction is neither insured by the Philippine Deposit Insurance Corporation (PDIC) nor guaranteed by the (name of bank)&quot;</p>\n', '', 55, '', '2020-01-20 15:05:26', '2020-01-20 15:05:26', 194, 194),
(907, '1', 'FRA-CLA', 'FRAUDULENT CLAIM', '<p>If any claim be in any respect fraudulent or in any fraudulent means or devices be used by the Insured or any one acting on his behalf to obtain any benefit under this Policy, the Company shall deny liability in respect to such claim and shall cancel this Policy as hereinafter provided.&nbsp;</p>\n', '', 56, '', '2020-01-27 10:07:07', '2020-01-27 10:07:07', 194, 194),
(908, '1', 'INS-RCCBBEW-EXCL', 'Institute Radioactive Contamination, Chemical, Biological, Biochemical Electromagnetic Weapons Exclusion Clause CL370', '<p>This clause shall be paramount and shall override anything contained in this insurance inconsistent therewith;<br />\n1. In no case shall this insurance cover loss damage liability or expense directly or indirectly caused by or contributed to by or arising from<br />\n1.1 ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel<br />\n1.2 the radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof<br />\n1.3 any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter<br />\n1.4 the radioactive, toxic, explosive or other hazardous or contaminating properties of any radioactive matter. The exclusion in this sub-clause does not extend to radioactive isotopes, other than nuclear fuel, when such isotopes are being prepared, carried, stored, or used for commercial, agricultural, medical, scientific or other similar peaceful purposes<br />\n1.5 any chemical, biological, bio-chemical, or electromagnetic weapon.</p>\n', '', 57, '', '2020-01-27 10:09:53', '2020-01-27 10:09:53', 194, 194),
(909, '1', 'IMP-MAR-VES', 'IMPACT BY MARINE VESSEL', '<p>The company agree to indemnify the Assured for damaged property caused by the impact of the marine vessel provided that such loss or damage has resulted from the due diligence of the diligence of the vessels owner Managers or Superintendents or any of the vessels onshore management.</p>\n', '', 56, '', '2020-02-03 10:47:42', '2020-02-03 10:47:42', 194, 194),
(910, '1', 'ELE-CLA-IND-CLA', 'ELECTION TO CLAIM INDEMNITY VALUE CLAUSE', '<p>The Insured may elect to claim the Indemnity Value of any property and, if so, the Insurer will pay that value. The indemnity value maybe established as the market value or the depreciated value, whichever is most appropriate to the item or items affected.</p>\n', '', 59, '', '2020-03-09 11:03:44', '2020-03-09 11:03:44', 194, 194),
(911, '1', 'APP-LOS-IND', 'APPRAISEMENT AND LOSS INDEMNIFICATION', '<p>If the aggregate claim for any one loss does not exceed (as stated in the policy scheduled), no special inventory or appraisement of the undamaged property shall be required.</p>\n\n<p>If two or more buildings be included in a single item, this provision shall apply to the range of buildings and/or contents by the item or items affected.</p>\n', '', 59, '', '2020-03-09 11:10:09', '2020-03-09 11:10:09', 194, 194),
(912, '1', 'OFF-STO-DAT-MED', 'OFFSITE STORAGE OF DATA MEDIA', '<p>This policy extends to cover loss of or damage to the property insured under the Material Damage Section of this Policy whilst such property is temporarily stored at any premises within the Philippines.&nbsp;<br />\n<br />\nLimit of indemnity under this extension shall be declared within applicable period of time, and should not exceed the maximum amount of insurance under the Material Damage Section herewith stated.&nbsp;</p>\n', '', 60, '', '2020-03-09 11:32:58', '2020-03-09 11:33:33', 194, 194),
(913, '1', 'OUT-REP', 'OUTPUT REPLACEMENT', '<p>At the option of the Insured, where any Property Insured consists of equipment, machinery or plant having a measurable function, capability or output and if, by reason of the Basis of Settlement Clause, it is necessary to replace such property with a new item or items which perform a similar function or functions, then the Basis of&nbsp;Settlement for such property shall be as follows:&nbsp;</p>\n\n<p>a) Where any property is to be replaced by an item or items which have the same or a lesser total function, capability or output, then the Basis of Settlement is the new installed cost of such replacement item or items that would give the same total function, capability or output as the property being replaced.&nbsp;<br />\n<br />\nb) Where any property is to be replaced by an item or items (including cost of foundations) which have a greater total function, capability or output and the new&nbsp;installed cost of such replacement item or items is no greater than the replacement value of the property being replaced, then the Basis of Settlement is the new<br />\ninstalled cost of the replacement item or items.&nbsp;<br />\n<br />\nc) Where any property is to be replaced by an item or items which have a greater total function, capability or output and the new installed cost of such replacement property is greater than the replacement value of the Damaged property, then the Basis of Settlement is the greater of the reinstatement value of the property or that proportion of the new installed cost of the replacement item or items which the output of the Damaged property bears to the output of the replacement item or items.&nbsp;<br />\n<br />\nProvided that the amount payable shall not be of lesser value than the new installed cost of such replacement item or items that would give the same total function, capability or output as the property being replaced.&nbsp;<br />\n<br />\n(Partial damage - Replacement Cost Provision) Provided always that where any Damaged property may be properly repaired, the Insurers shall pay the cost of restoration of such Damaged property to a condition substantially the same as (but not better or more extensive than) its condition when new and the liability of the Insurers shall not exceed the stun representing the cost which the Insurers could have been called upon to pay if such property had been totally destroyed.</p>\n', '', 61, '', '2020-03-09 11:36:12', '2020-03-09 11:36:12', 194, 194),
(915, '1', 'SAL-AND-REC', 'SALVAGE AND RECOVERIES', '<p>A. Rights&nbsp;<br />\nIn case of a foss, the Insured has the option and first opportunity to negotiate the purchase of salvage with Insurer through their assigned adjusters during a period not exceeding ten (10) days from the date the Adjusters have established the value of salvage to Insurers&#39; satisfaction.&nbsp;<br />\nB. Recoveries<br />\nWhen, in connection with any loss hereunder, any salvage or recovery is received subsequent to the payment of such loss, the loss shall be figured on the basis of which it would have been settled had the amount of salvage or recovery been known at the time of the loss was originally determined. Any amount thus found to be due either party from the other shall be paid promptly. The expense of all proceedings necessary to such recoveries as finally settled. If there should be no recovery and proceedings are conducted solely by the Insurers, the expense thereof shall be borne by the Insurers</p>\n', '', 63, '', '2020-03-09 11:38:09', '2020-03-09 11:38:09', 194, 194),
(916, '1', 'SUI-AGA-THE-INS', 'SUIT AGAINST THE INSURERS', '<p>If a claim be made and rejected and an action or suit be not commenced either in the Insurance Commission or any court of competent jurisdiction within twelve (12) months from receipt of notice of such rejection, or in case of arbitration taking place as provided herein, within twelve (12) months after due notice of the award made by the arbitrator or arbitrators or umpire, then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder.&nbsp;</p>\n', '', 64, '', '2020-03-09 11:39:01', '2020-03-09 11:39:01', 194, 194),
(917, '1', 'TAK-INV-CLA', 'TAKING INVENTORY CLAUSE (INCLUDING STOCK ITEMS FOR PRE-FABRICATION)', '<p>If damage to Property Insured occurs in circumstances giving rise to indemnity, the Insurer will pay the additional costs necessarily and reasonably incurred in respect of taking inventory (including un-packing, repacking and re-stocking) to establish the value of damage Property Insured.&nbsp;</p>\n', '', 65, '', '2020-03-09 11:50:31', '2020-03-09 11:50:31', 194, 194),
(918, '1', 'COM-OPE', 'COMPLETED OPERATIONS', '<p>It is hereby declared and agreed that this Policy is extended to cover Completed Operations:</p>\n\n<p>1) Completed Operations hazard includes all death or bodily injury and/or property damage occurring away from premises of the Insured, owned or rented and arising out of the Insured&#39;s product or the Insured&#39;s work except:</p>\n\n<p>a) Products that are still in the Insured&#39;s physical possession or b) Work that has not yet been completed or abandoned</p>\n\n<p>When work is carried out within the areas of the Insured&#39;s premises leased to tenants, these leased areas are not regarded as the Insured&#39;s Premises for the purpose of this clause.</p>\n\n<p>2) Insured&#39;s work will be deemed completed at the earliest of the following times:</p>\n\n<p>a) When all of the work called for in the Insured&#39;s contract has been completed.</p>\n\n<p>b) When all of the work to be done at the site has been completed if the Insured&#39;s contract calls for work at more than one site or</p>\n\n<p>c) When that part of the work done at a site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project.<br />\nWork that may need service, maintenance, correction, repair or replacement, but which is otherwise complete, will be treated as completed.</p>\n\n<p>This hazard does not include death or bodily injury or property damage arising out of the existence of tools, uninstalled equipment or abandoned or unused materials.</p>\n', '', 66, '', '2020-03-09 13:46:38', '2020-03-09 13:46:38', 194, 194),
(919, '1', 'COM-CHA-PRO', 'COMMUNITY AND CHARITABLE PROJECTS', '<p>For the sake of clarity it is hereby agreed and confirmed that it is the intention of this policy to also include coverage in respect of any community or charitable projects undertaken by the Insured or other organizations associated with the Insured and intended to be covered by this policy.</p>\n', '', 67, '', '2020-03-09 13:48:54', '2020-03-09 13:48:54', 194, 194),
(920, '1', 'RES-PRO', 'RESTORATION OF PROGRAMMES CLAUSE', '<p>It is agreed that this policy extends to cover the cost incurred of repurchasing any software programme that is lost or destroyed by any of the insured perils including the cost of any upgrade when the previous programme is no longer available.</p>\n', '', 68, '', '2020-03-09 13:52:53', '2020-03-09 13:52:53', 194, 194),
(921, '1', 'CRO-LIA-EXCL-UND-CAR', 'CROSS LIABILITY CLAUSE (EXCLUDING PROPERTIES UNDER CARE, CUSTODY AND CONTROL)', '<p>When more than one party comprises &quot;The Insured&quot;, each of the parties shall, for the purpose of this Policy, be considered as a separate and distinct unit and the word &quot;The Insured&quot; shall be considered as applying to each of the said parties as though a separate policy had been issued to each party provided nevertheless that nothing in this Clause shall be deemed to increase the limit of Insurer&#39;s liability in respect of any loss or series of losses as stated herein.</p>\n', '', 69, '', '2020-03-09 13:55:27', '2020-03-09 14:00:42', 194, 194),
(922, '1', 'DED-CLAUSE', 'DEDUCTIBLE CLAUSE - CONDITION', '<p>Each loss or series of losses arising out of any one event will be adjusted as one single loss. The adjusted loss will be net of salvage and other recoveries. From each adjusted loss the Deductible amount specified in the Schedule will be deducted. Where two or more Deductibles could apply under the same Section, only the highest single Deductible will apply.<br />\n<br />\nAs respect of theft, the term Loss as referred to elsewhere within the Policy means the sum total of all losses of covered property resulting from one or more concealed acts committed by one person or more than one person acting in unison to the extent such loss is not otherwise excluded under this Policy.<br />\n<br />\nAny loss of or damage to the Interest Insured arising during any one period of seventy two (72) consecutive hours, caused by storm typhoon flood, volcanic eruption or earthquake or any other natural peril shall be deemed as a single event and shall constitute one occurrence with regard to the deductible provided for herein. For the purposes of application of Deductible the commencement of any such seventy two (72) hour period shall he decided at the discretion of the Insured. However, that there shall he no overlapping in any two or more such seventy two (72) hour periods in the event of damage occurring over a more extended period of time.</p>\n', '', 80, '', '2020-03-09 14:56:23', '2020-03-09 15:05:02', 194, 194),
(923, '1', 'INAD-ERR-OM', 'INADVERTENT ERRORS AND OMISSIONS', '<p>It is hereby declared and agreed that notwithstanding anything stated to the contrary, no insurance benefit from this Policy shall be forfeited for reason of error or omission of the Insured or any of its representatives to observe what is deemed as the proper care, operation or maintenance of the machinery and/or equipment insured herein unless such error or omission is deemed to be intentional by the Insured or its representatives.</p>\n', '', 70, '', '2020-03-09 15:11:18', '2020-03-09 15:11:18', 194, 194),
(924, '1', 'NAT-CAT', 'NATURAL CATASTROPHE', '<p>Should any natural catastrophe commence prior to the expiration or cancellation date of the Policy, the Insurers shall pay all such natural catastrophes losses occurring as if such period fell entirely within the period of the Policy. Each loss or damage caused by a natural catastrophe shall constitute a single occurrence from the time of commencement until the cessation of the event causing the loss or damage. Commencement for the purposes of this Memorandum is defined as when the natural catastrophe begins to cause damage to the Insured&#39;s Interests Insured.</p>\n', '', 71, '', '2020-03-09 15:13:12', '2020-03-09 15:13:12', 194, 194),
(925, '1', 'ALT', 'ALTERATION', '<p>If there is any alteration after the commencement of this insurance whereby the risk of destruction or damage is increased, the insurance shall cease to attach in respect of such destruction or damage which is directly attributable to such increase in risk, unless the Insured, before the occurrence of any destruction or damage, obtains the agreement of the Insurers by endorsement upon the Policy.</p>\n', '', 72, '', '2020-03-09 15:16:22', '2020-03-09 15:16:22', 194, 194),
(926, '1', 'ARB', 'ARBITRATION ', '<p>All differences as to the amount of any loss or damage covered by this Policy shall be referred to the decision of an arbitrator to be appointed by the parties in difference or if they cannot agree upon a single arbitrator to the decision of two arbitrators, one to appointed in writing by each of the parties within one calendar month after having been required and to do so by either of the parties or in case of disagreement between the arbitrators to the decision of an umpire to be appointed in writing by the arbitrators before entering on the reference and an award by the arbitrators or umpire shall be a condition precedent to any right of action against the Insurers.</p>\n', '', 74, '', '2020-03-09 15:17:34', '2020-03-09 15:17:34', 194, 194),
(927, '1', 'CHA-IN-POL', 'CHANGES IN POLICY ', '<p>None of the provision, conditions and terms of this policy shall be waived or altered except by endorsement signed or initialed by an authorized official of the Company and issued whenever applicable in accordance with the provisions of Section 50 of the Insurance Code.</p>\n', '', 76, '', '2020-03-09 15:18:46', '2021-03-01 11:54:45', 194, 194),
(928, '1', 'DIL-CLA', 'DILIGENCE CLAUSE', '<p>The Insured shall at all times act with due diligence to prevent, or minimize the extent of any destruction of or damage to the property insured.</p>\n', '', 78, '', '2020-03-09 15:25:26', '2020-03-09 15:26:17', 194, 194),
(929, '1', 'NOT-CLA', 'NOTIFICATION CLAUSE', '<p>On the happening of any destruction or damage, the Insured shall forthwith give notice thereof to the Insurers and shall within sixty (60) days after the destruction or damage, or such further time as the Insurers may inwriting allow, deliver to the Insurer.<br />\n<br />\na.) A claim in writing for the destruction or damage containing as particular an account as may be reasonably practicable of all the several articles or items of property damaged or destroyed and of the amount of the destruction or damage, and a detailed summary of any consequential loss of income.<br />\n<br />\nb.) Particulars of all other insurance, if any. The Insured shall also at all times at their own expense produce, procure and give to the Insurers all such further particulars, plans, specifications, books, vouchers, invoices, duplicates or copies thereof, documents, proofs and information with respect to the claim and the origin, cause and circumstances under which the Attached to and forming part of Policy no. HO-FI-GEN-000000050978-00 Page 20 of 22 destruction or damage occurred and any matter touching the liability or the amount of the liability of the Insurers as may be reasonably required by or on behalf of the Insurers together with a declaration on oath or in other legal form of the truth of the claim and of any matters connected therewith. NO claim under this Policy shall be payable unless the terms of this condition have been complied with.</p>\n', '', 78, '', '2020-03-09 15:30:44', '2020-03-09 15:33:26', 194, 194),
(930, '1', 'PRE-CLA', 'PRESCRIPTION CLAUSE', '<p>In no ease whatsoever shall the Insurers be liable for any destruction or damage after the expiration of twelve (12) months from the happening of the destruction or damage unless the claim is the subject of pending action or arbitration.</p>\n', '', 79, '', '2020-03-09 15:31:23', '2020-03-09 15:31:23', 194, 194),
(931, '1', 'SUB-CLA', 'SUBROGATION CLAUSE', '<p>In the event of any payment under this Policy, the Company shall be subrogated to all the Insured&#39;s right of recovery thereof against any person or organization and the Insured shall execute and deliver instrument and papers and do whatever else is necessary to secure such rights. The Insured shall do nothing after loss to prejudice such right</p>\n', '', 80, '', '2020-03-09 15:32:35', '2020-03-09 15:32:35', 194, 194),
(932, '1', 'CHA-INT-CLA', 'CHANGE IN INTEREST CLAUSE', '<p>Nothing contained herein shall give any rights against the Company to any person other than the Insured and Executors or Administrators and the Company will not be bound by the passing of the interests of the Insured other than by will or succession, or when such passing of the interests be notified to and accepted by the Company.</p>\n', '', 81, '', '2020-03-09 16:18:20', '2020-03-09 16:18:20', 194, 194),
(933, '1', 'CON-WOR', 'CONTRACT WORKS', '<p>It is understood and agreed that this insurance automatically includes the coverage for new constructions at any of the Insureds sites, any additions, alterations and repairs, plus installation of new plant &amp; equipment including testing and commissioning. When required by contract this policy will also include the interests of any contractor or sub-contractor as joint insureds under the policy, but only to the extent of the works being carried out that are the subject of this clause.</p>\n', '', 82, '', '2020-03-09 17:16:55', '2020-03-09 17:16:55', 194, 194),
(934, '1', 'EXT-EXP-RES-COS', 'EXTINGUISHING EXPENSES AND RESCUE TEAM COSTS', '<p>The insurance of this Policy is held to include</p>\n\n<p>(i) Wages of the Insured&rsquo;s employee other than full time members of a Works Fire Brigade.</p>\n\n<p>(ii) The cost of replenishment of fire fighting appliances and destruction of or damage to materials (including employees&#39; clothing and personal effects unless otherwise specifically insured) (iii) Other costs (including loss or damage to property to gain access) Necessarily and reasonably incurred in extinguishing fires or in saving property or life from loss or damage by any peril herein at or adjoining the situation of the property insured or immediately threatening to involve such property.<br />\n<br />\nLimited to the amount in the schedule.</p>\n', '', 83, '', '2020-03-09 17:18:09', '2020-03-09 17:18:09', 194, 194),
(935, '1', 'INS-OPT-REP', 'INSURERS OPTION TO REPAIR', '<p>The Insurers may at their option reinstate the property damaged or destroyed, or any part thereof, instead of paying the amount of the destruction or damage, or may join with other Insurers in so doing, but the Insurers shall not be bound to reinstate exactly but only as circumstances permit and in a reasonably sufficient manner, and in no case shaft the Insurers be bound to expend more in reinstatement that it would have cost to reinstate such property as it was at the time of the occurrence of such destruction or damage, nor more than the sum insured by the Insurers thereon.&nbsp;<br />\r\n<br />\r\nIf the Insurers so elect to reinstate or replace any property the Insured shall, at their own expense, furnish the Insurers with such plans, specifications, measurements, quantities, and such other particulars as the Insurers may require, and no acts done, or caused to be done by the Insurers with a new reinstatement or replacement shall be deemed an election by the Insurers to reinstate or replace.&nbsp;<br />\r\nIf in any case the Insurers shall be unable to reinstate or repair the property hereby insured because of any municipal or other regulations in force affecting the alignment of streets, or the construction of buildings, or otherwise, the Insurers shall, in every case, only be liable to pay such sum as would be requisite to reinstate or repair such property if the same could lawfully be reinstated to its former condition.&nbsp;</p>', '', 85, '', '2020-03-09 17:19:25', '2020-03-09 17:19:25', 194, 194),
(936, '1', 'CON-DAM-MER-PRO', 'CONTROL OF DAMAGED GOODS AND/OR MERCHANDISE AND/OR PROPERTY', '<p>Notwithstanding anything to the contrary contained elsewhere in this policy, it is understood and agreed that in case of damage, or if The Insured reasonably suspects damage may exist, to goods and/or merchandise and/or property insured under this policy, The Insured is to retain full and absolute discretion and control over the disposition of all such goods and/or merchandise and/or property. It is understood that The Insured shall be the sole judge as to whether disposal or sale of such goods and/or merchandise and/or property is detrimental to its interest.</p>\n\n<p>Any goods and/or merchandise and/or property which The Insured deems unfit for sale or which it is unable to sell or dispose of under its agreement with any trade association or other entity, shall be treated as a constructive total loss, and The Insured shall dispose of the goods and/or merchandise and/or property to its best advantage with This Insurer being entitled to its share of the net proceeds resulting from such disposition, or the goods and/or merchandise and/or property shall be destroyed after notification to This Insurer and any expenses incurred in connection with such destruction shall be borne by This Insurer.</p>\n', '', 88, '', '2020-03-10 09:53:56', '2020-03-10 09:53:56', 194, 194),
(937, '1', 'TEM-STO-CLA', 'TEMPORARY STORAGE CLAUSE', '<p>The property (excluding building/s) insured under this Policy is covered whilst temporarily stored anywhere in Philippines PROVIDED that<br />\n(a)&nbsp;the period of temporary storage shall not exceed sixty (90) days<br />\n(b) the Insurer shall not be liable for any loss or damage to the property whilst in transit (including the processes of loading and unloading incidental to such transit)<br />\n(c) this insurance does not apply to property in so far as it is otherwise insured nor does it apply to motor vehicles and motor chassis.<br />\n&nbsp;</p>\n', '', 89, '', '2020-03-10 10:06:40', '2020-03-10 10:06:40', 194, 194),
(938, '1', 'POR-ELE-EQT-CLA', 'PORTABLE ELECTRONIC EQUIPMENT CLAUSE', '<p>It is hereby agreed &amp; declared that this policy is extended to include portable and mobile electronic equipment anywhere in the Philippines, including whilst in transit.</p>\n\n<p>Provided that theft from a vehicle is only covered providing the vehicle was securely locked if unattended or the driver or a responsible passenger are not in the immediate vicinity.</p>\n', '', 92, '', '2020-03-10 10:09:56', '2020-03-10 10:09:56', 194, 194),
(940, '1', 'ADV-NEO-HOA-DEC', 'ADVERTISING / NEON SIGNS / HOARDING / DECORATIONS CLAUSE', '<p>The insurance by this Policy is extended to cover the legal liability of the Insured arising out of accidents caused by or through the advertising / neon signs / hoarding installations which are the property of the Insured.</p>\n\n<p>Warranted that the Insured shall comply with all statutory enactments by laws and regulations and shall at all times ensure that the advertising / neon signs / hoarding installations are kept in a proper state of repair and if any defect be discovered the Insured shall forthwith cause such defects to be made good and shall in the meantime cause such additional precautions to be taken for the prevention of accidents as the circumstances may require. So far as is reasonably practicable no alteration or repair shall without the consent of the Insurer be made to the said neon/advertising signs after any accident has occurred in connection therewith for which a claim under this section of the Policy could arise, until the Company shall have an opportunity of inspecting same.</p>\n\n<p>Provided always that the liability of the Company under this Policy in respect of any bodily injury or loss of or damage to property shall not in any way exceed the Limit of Indemnity specified in this Policy.<br />\n&nbsp;</p>\n', '', 95, '', '2020-03-10 10:30:50', '2020-03-10 10:30:50', 194, 194),
(941, '1', 'ALT-MAI-REP', 'ALTERATIONS, MAINTENANCE, REPAIRS CLAUSE', '<p>Third party legal liability in terms of bodily injury and property damage from workmen who work in, on or around the premises for the purposes of completing repairs and/or minor additions and alterations and/or decorations is covered without prejudice to this insurance.</p>\n', '', 96, '', '2020-03-10 10:32:41', '2020-03-10 10:32:41', 194, 194),
(942, '1', 'EXC-AUT-LIA-CLA', 'EXCESS AUTOMOBILE LIABILITY CLAUSE (OWNED/NON-OWNED/HIRED/LEASED)', '<p>Notwithstanding policy conditions to the contrary, it is hereby understood and agreed that the Insurer will pay on behalf of the Insured all sums, which the Insured shall become legally obligated to pay as damages because of death or bodily injury or property damage to which this insurance applies, caused by an occurrence and arising out of the ownership, maintenance or use, including loading and unloading, of any automobile whether owned, non-owned, leased or hired.<br />\n&nbsp;<br />\nIt is further agreed and understood that this insurance shall be excess insurance over any other valid collectible insurance available to the Insured.&nbsp;</p>\n', '', 99, '', '2020-03-10 10:36:02', '2020-03-10 10:36:02', 194, 194),
(943, '1', 'FO-DRI-SUP-CLA', 'FOODS OR DRINKS SUPPLIED CLAUSE', '<p>Notwithstanding anything contained herein to the contrary, it is declared that the indemnity granted by this Policy is extended to include the Insured&#39;s legal liability for bodily injury (including death or illness) and loss of or damage to property caused by or attributable to food and drink sold or supplied or provided by the Insured or on their behalf, provided that the indemnity granted by this extension shall only apply to any claim for injury or illness, fatal or otherwise, sustained or contracted by people.<br />\n&nbsp;<br />\nSubject otherwise to the terms, exceptions and conditions of this Policy.</p>\n', '', 100, '', '2020-03-10 10:37:43', '2020-03-10 10:37:43', 194, 194),
(944, '1', 'FIR-AID-TRE-REN-CLA', 'FIRST AID TREATMENT RENDERED TO THIRD PARTIES CLAUSE', '<p>It is hereby declared and agreed that this Policy is extended to indemnify the Insured and any member of the Insured&#39;s First Aid or Medical Organization (Other than a qualified Medical Practitioner) employed under a contract of service or apprenticeship with the Insured against liability in respect of medical or surgical treatment given by such member in the course of his employment with the Insured.<br />\n<br />\nProvided always that the Insured shall have arranged with any such member for the conduct and control of all claims to be vested in the Insurer and that the member shall as though he were the Insured observe fulfill and be subject to the terms exceptions and conditions of this Policy insofar as they apply.</p>\n', '', 101, '', '2020-03-10 10:39:26', '2020-03-10 10:39:26', 194, 194),
(945, '1', 'IND-CON-SUB-LIA-CLA', 'INDEPENDENT CONTRACTORS'' / SUB-CONTRACTORS'' LIABILITY CLAUSE', '<p>This Policy extends to cover the legal liability of the Insured for death or bodily injury or loss or damage to property arising from an accident as a result of the Insured&#39;s contingent liability arising out of work or operation by independent contractors &amp;/or sub contractors engaged by the Insured in connection with the Insured&#39;s business. The insured is extended to include any contractor or sub-contractor which the Named Insured has agreed to extend coverage to by contract. Provided that if the claim so submitted is covered by any other specific insurance, then this Policy shall not insure the same except only as regards any excess beyond the limit of liability covered by such more specific insurance.</p>\n', '', 102, '', '2020-03-10 10:41:00', '2020-03-10 10:41:00', 194, 194),
(946, '1', 'IND-PRI-CLA', 'INDEMNITY TO PRINCIPALS CLAUSE', '<p>It is hereby declared and agreed that the &ldquo;Insured&rdquo; shall include any principal for whom the insured is carrying out a contract away from the insured&rsquo;s own premises but only to the extent required by such contract and only arising out of the performance by the insured of such contract.</p>\n', '', 103, '', '2020-03-10 10:43:14', '2020-03-10 10:43:14', 194, 194),
(947, '1', 'OFF-DIR-EMP-CLA', 'INSURED TO INCLUDE ANY OFFICER, DIRECTOR OR EMPLOYEE OF THE INSURED CLAUSE', '<p>It is hereby declared and agreed that the &ldquo;Insured&rdquo; shall include any officer, director, partner or employee of the insured while acting on behalf of or in the course of his employment or engagement by the insured in respect of liability for which the insured would have been entitled to claim under this insurance if the claim has been made against the insured.<br />\n&nbsp;</p>\n', '', 104, '', '2020-03-10 10:49:02', '2020-03-10 10:49:02', 194, 194),
(948, '1', 'SAL-PRO', 'SALES PROMOTION', '<p>It is hereby declared and agreed that this Policy is extended to indemnify the Insured for legal liability arising out of the promotion of the Insured&rsquo;s products including but not limited to new store opening ceremony, new product launch, media presentation, fashion show, media trip, sales promotion activities, press conference and grand sales anywhere in the World excluding USA / Canada.</p>\n', '', 105, '', '2020-03-10 10:51:41', '2020-03-10 10:51:41', 194, 194),
(949, '1', 'SOC-WEL-FAC-CLA', 'SOCIAL, SPORTS, ENTERTAINMENT, RECREATIONAL AND WELFARE CLUB ACTIVITIES / FACILITIES CLAUSE', '<p>It is hereby declared and agreed that the policy is extended to indemnify the Insured in respect of the Insured&#39;s legal liability for death or bodily injury and/or property damage as within defined in the Policy caused by or arising out of and in connection with any social, recreational or welfare activities organized, supervised and managed by the Insured for its invited participants, including employees, their families and friends within the Territorial Limits.<br />\n&nbsp;<br />\nThe word &quot;Insured&quot; whenever appearing includes as an insured any person who is a member of the organizing or management committee for such social, recreational or welfare activities but only whilst acting within the scope of their duties as such.<br />\n&nbsp;<br />\nIt is further declared and agreed that the indemnity granted under the Policy is also extended to apply to occurrence during the Policy period caused by or arising out of and in connection with drinks, beverages or food served by the Insured during such social, recreational or welfare activities.<br />\n&nbsp;<br />\nIn the event of a claim, the Insurer will not raise the defense that such participants and employees are not third parties.<br />\n&nbsp;<br />\nThe Policy also extends to cover any officer or member of the Insured&#39;s canteen, social, sports or welfare organization, first aid, fire or ambulance services and other facilities while acting in his respective capacity as such.<br />\n&nbsp;<br />\nProvided that all such persons will as though they were the Insured named in the Schedule fulfill and be subject to the terms exceptions and conditions of the Policy so far as they may be applied.<br />\n&nbsp;<br />\nNothing contained herein shall be held to vary, alter, waive or change any of the insuring agreements exceptions, conditions or declarations of the Policy except as hereinabove set forth.&rdquo;</p>\n', '', 107, '', '2020-03-10 10:54:31', '2020-03-10 10:54:31', 194, 194),
(950, '1', 'DAT-EXC', 'DATA EXCLUSION', '<p>Notwithstanding any provision to the contrary within the Policy or any endorsement thereto, it is understood and agreed as follows: -</p>\n\n<p>a)&nbsp;This Policy does not insure 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 contributing concurrently or in any other sequence to the loss.</p>\n\n<p>&nbsp;&nbsp; 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. &nbsp;Computer virus means a set of corrupting, harmful or otherwise unauthorized instruction or code including a set of maliciously introduced unauthorized instruction or code, programmes or otherwise, those propagate themselves through a computer system or network of whatsoever nature. &nbsp;Computer virus includes but is not limited to &ldquo;Trojan Horses&rdquo;, &ldquo;worms&rdquo; and time or logic bombs.</p>\n\n<p>b)&nbsp;However, in the event that other property insured by this policy is damaged resulting from any of the matters described in paragraph a) above, this Policy, subject to all its terms, condition and exclusions will cover physical damage occurring during the Period of Insurance to property insured by this Policy directly caused by such matter.</p>\n', '', 108, '', '2020-03-10 10:58:15', '2020-03-10 10:58:15', 194, 194),
(951, '1', 'JUR-LAW-PRA', 'JURISDICTION, LAW AND PRACTICE', '<p>It is agreed that any interpretation of this Policy relating to its construction, validity or operation shall be made in accordance with the law of Philippines, and any disputes relating thereto shall be submitted to the exclusive jurisdiction of the courts of Philippines.</p>\n', '', 109, '', '2020-03-10 11:01:01', '2020-03-10 11:01:01', 194, 194),
(952, '1', 'INS-RIG', 'INSURED RIGHTS', '<p>On the happening of any destruction or damage to any of the property insured by this Policy the Insurers may</p>\r\n\r\n<p>(a)&nbsp;Take possession of or require to be delivered to it any property of the Insured on the premises at the time of the destruction or damage.<br />\r\n(b)&nbsp;Keep possession of any such property and examine, sort, arrange, remove, or otherwise deal with the same.<br />\r\n(c)&nbsp;Sell any such property or dispose of the same for account of whom it may concern.<br />\r\nThe power conferred by this Condition shall be exercisable by the Insurers at any time until notice in writing is given by the Insureds that he makes no claim under the Policy, or if any claim is made, until such is finally determined or withdrawn, and the Insurers shall not by any act done in the exercise or purported exercise of their power hereunder, incur any liability to the Insured or diminish the Insured&rsquo;s right to rely upon any of the conditions of this Policy in answer to any claim. &nbsp;If the Insured or any person on their behalf shall not without valid grounds comply with the requirements of the Insurers or shall hinder or obstruct the Insurers or shall hinder or obstruct the Insurers in the exercise of their powers hereunder, all benefits under this Policy shall be forfeited.</p>\r\n\r\n<p>The Insured shall not in any case be entitled to abandon any property to the Insurers whether taken possession of by the Insured or not.</p>', '', 110, '', '2020-03-10 11:08:10', '2020-03-10 11:08:10', 194, 194),
(954, '1', 'REN-CLA', 'RENEWAL CLAUSE', '<p>Unless the Company at least forty-five (45) days in advance of the end of the Policy period mails or delivers to the Assured at the address shown in the Policy notice of its intention not to renew the policy or to condition its renewal upon reduction of limits or elimination or coverages, the Assured shall be entitled to renew the Policy upon payment of the premium due on the effective date of renewal.</p>\n', '', 112, '', '2020-03-10 11:12:00', '2020-03-10 11:12:00', 194, 194),
(955, '1', 'PLO-RAT-IND-CLA', 'PLOT RATIO INDEX CALUSE', '<p>If any Property Insured being a building is damaged and the cost of reinstatement is more than fifty percent (50%) of the cost of reinstatement if the building had been totally destroyed and reinstatement is only permissible subject to a reduced floor space ratio index by a reason of any requirement of any law or local government or other statutory authority, the Insurer will pay, in addition to any other amount payable for reinstatement of the building, the difference between the actual cost of reinstatement incurred in accordance with the reduced floor space ratio index and the cost of reinstatement which would have been incurred had a reduced floor space ratio index not been applicable.</p>\n', '', 109, '', '2020-03-12 10:43:45', '2020-03-12 10:43:45', 194, 194),
(956, '1', 'PUR-CLA', 'PURCHASER CLAUSE', '<p>If at the time of any loss or damage to any building hereby insured the Insured shall have contracted to sell his interest in such building and the purchase shall not have been but shall be thereafter completed the Purchaser on the completion of the purchase if and so far as the property is not otherwise insured by or on behalf of the Purchaser against such loss or damage shall be entitled to the benefit of this Policy so far as it relates to such loss or damage without prejudice to the rights and liabilities of the Insured or for the Insurer under this Policy to the date of completion of the purchase.</p>\n', '', 111, '', '2020-03-12 10:46:10', '2020-03-12 10:46:10', 194, 194),
(957, '1', 'POL-CON-CLA', ' POLLUTION AND CONTAMINATION EXCLUSION CLAUSE', '<p>This policy excludes any loss arising from pollution or contamination. This agreement also excludes any liability in connection with disposed or dumped waste materials or substance.</p>\n', '', 201, '', '2020-04-03 11:19:37', '2020-04-03 11:19:37', 194, 194),
(958, '1', 'PUN-DAM-EXC-CLA', ' PUNITIVE DAMAGE EXCLUSION CLAUSE', '<p>It is understood and agreed that punitive and/or exemplary and/or multiple damages against an original Insured shall be excluded from recovery hereon.</p>\n', '', 202, '', '2020-04-03 11:21:50', '2020-04-03 11:21:50', 194, 194);
INSERT INTO `mstwarrantclause` (`code`, `line_mst_code`, `short_name`, `warrant_title`, `warrant_text`, `default_peril_mst_codes`, `print_order`, `remarks`, `created_at`, `updated_at`, `created_user_mst_code`, `updated_user_mst_code`) VALUES
(959, '1', 'TYP-OTHERS', 'TYPHOON, WINDSTORM, STORM, HAILSTORM, TORNADO, CYCLONE, HURRICANE, TEMPEST, GALE, THUNDERSTORM AND/OR ATMOSPHERIC DISTURBANCE', '<p>This insurance as herein defined subject to the Special Conditions hereinafter contained extends to include loss or damage directly caused by Typhoon, Windstorm, Storm, Hailstorm, Tornado, Cyclone, Hurricane, Tempest, Gale, Thunderstorm And/Or Atmospheric Disturbance</p>\n\n<p>DEFINITION:</p>\n\n<p>The term &ldquo;Typhoon&rdquo; as used in this endorsement shall be understood to mean a Typhoon, Windstorm, Storm, Hailstorm, Tornado, Cyclone, Hurricane, Tempest, Gale, Thunderstorm And/Or Atmospheric Disturbance as recorded by the Weather Bureau.</p>\n\n<p>SPECIAL CONDITIONS</p>\n\n<p>1.It is a condition of this insurance that the Insured undertakes to exercise all ordinary and reasonable precautions for the safety of the property.</p>\n\n<p>2.Unless liability is specifically assumed by amendment of this endorsement, the Company shall not be liable for loss or damage to buildings in the course of construction or reconstruction for their contents) unless entirely enclosed and under roof with all outside doors and windows permanently in place, or properly contained in any portion of any building described in this policy not completely enclosed and roofed.</p>\n\n<p>3.The Company shall not be liable for:</p>\n\n<p>a)Loss or damage caused directly or indirectly by flood, tidal wave, high water or overflow whether driven by wind or not. The Company shall not be liable for loss and/or damage caused directly or indirectly by backing up of sewers, drains, canals creeks, rivers and/or storm drainage system.</p>\n\n<p>b)Loss or damage caused directly or indirectly by landslide, subsidence, cloudburst or explosion, whether incidental to Typhoon or by theft whether occurring during or after a Typhoon or by the neglect of the Insured to use all reasonable means to save and preserve the property during and after a Typhoon.</p>\n\n<p>c)Loss or damage caused by rain whether driven by wind or not, unless the building insured or containing the property insured shall first sustain an actual damage to roof or walls by the direct force of a Typhoon and shall then be liable for such loss or damage to the building or insured property therein as may be caused by rain entering the building through openings in the roof or walls made by direct action of such Typhoon.</p>\n\n<p>d)Water damage as a result of doors windows, transoms or roof lights being left open, notwithstanding the existence or presence of Typhoon.</p>\n\n<p>e)Loss or damage to any buildings, or the contents thereof, if on the happening of such loss or damage the building was already in a damaged, defective, fallen or displaced conditions as regards foundations, walls, ceiling, roofs, roof gutters and flushing, roof lights, air vents, doors, windows and transoms.</p>\n\n<p>f)Loss or damage occasioned by or through or in consequence of the action or order of any government or public authority.</p>\n\n<p>4.IT IS UNDERSTOOD AND AGREED THAT the Insured shall bear the Deductible stated in the Schedule for each claim or series of claims arising out of any one Typhoon occurrence the duration and extent of which shall be limited to 72 consecutive hours.</p>\n\n<p>For the purpose of this clause, the following shall be considered as separate items of insured property, regardless of what is indicated in the Policy Schedule;</p>\n\n<p>a)Each building, including machinery, equipment and fixtures normal to its operation;<br />\nb)All machinery and equipment contained in each building;<br />\nc)All stocks in trade &nbsp;raw materials, work-in-process, supplies and finished goods), contained in each building; and<br />\nd)All other contents contained in each building.</p>\n\n<p>In case of other insurances on the same item of property, this clause shall apply only once regardless of the number of policies or insurers.</p>\n\n<p>It is further understood and agreed that in the computation of the claims payable, Average Clause of this policy shall apply after the application of the deductible provided herein.</p>\n', '', 515, '', '2020-05-07 14:46:55', '2020-05-07 14:46:55', 194, 194),
(960, '1', 'FUL-THE', 'FULL THEFT', '<p>It is hereby declared and agreed that this Policy by this Clause is extended to cover loss of or damage to the property insured by theft without violent and forcible entry into the premises.&nbsp;<br />\n&nbsp;<br />\nThe indemnity herein provided shall not apply to nor include:&nbsp;<br />\n&nbsp;<br />\n* loss or damage caused by or resulting from infidelity or any dishonest act on the part of the Insured or other parties of interest or his or their employees or agents or any person or persons to whom the property insured may be entrusted.&nbsp;</p>\n\n<p>*&nbsp;Unexplained loss, mysterious disappearance or loss or shortage upon taking inventory.&nbsp;<br />\n&nbsp;<br />\nThe liability of the Company under this Clause shall not exceed the Sum Insured under this Section as shown in the Schedule and the Insured shall bear the deductible shown in the Schedule.&nbsp;</p>\n', '', 517, '', '2020-05-07 15:01:36', '2020-05-07 15:01:36', 194, 194),
(961, '1', 'STO-FLO', 'STOCK FLOATING EXTENSION ', '<p>The Insurance by any item on stock includes property at any other premises in the Philippines in addition to any premises insured herein or any other premises or portion of premises occupied by the Insured and whilst in transit thereto and therefrom.</p>\n', '', 599, '', '2020-05-08 13:28:58', '2020-05-08 13:28:58', 194, 194),
(962, '1', 'OBS-PAR-CLA', 'Obsolete Parts Clause', '<p>It is noted and agreed that in the event of loss or damage to spare parts of pair &amp; set and other spare parts currently insured under this Policy becoming obsolete following an indemnifiable loss to the operating unit and/or units to which they belong, such spare parts shall also be deemed a constructive total loss provided that such parts cannot be used as spares and the insured surrenders the remaining parts or articles of the pair &amp; set to the Insurer for any other units. The Company retains the salvage rights over such parts.</p>\n', '', 601, '', '2020-05-08 13:33:55', '2020-05-08 13:33:55', 194, 194),
(963, '3', 'ROAD-ASSIST', 'ROAD ASSISTANCE', '<h1 style="text-align:center">SUMMARY OF BENEFITS &amp; SERVICES</h1>\n\n<p>&nbsp;</p>\n\n<p style="text-align:center"><strong><u>SECTION 1-VEHICLE ASSISTANCE</u></strong></p>\n\n<ol>\n	<li>TOWING OF THE COVERED VEHICLE- In the event that the Covered motor unit could not move due to breakdown, IBERO ASISTENCIA will bear with the towing expenses of the Covered Unit up to a maximum agreed limit of Php 5,000 (Five Thousand Pesos) per event to the nearest accredited repair facility.</li>\n</ol>\n\n<p>&nbsp;</p>\n\n<ol start="2">\n	<li>REMOVAL OF VEHICLE - In the event of an accident, where the vehicle has been rendered a total wreck or has fallen in a ravine, and the like, IBERO ASISTENCIA will arrange to have the Vehicle removed with the use of a crane and brought to the nearest accredited facility. The Maximum amount payable is Php 10,000 (Ten Thousand Pesos) per event. No amount shall be payable under this benefit service with respect to the repair cost of the Vehicle. In the event that the expense is higher than the guaranteed limit, the excess will be to the account of the Beneficiary.</li>\n</ol>\n\n<p>&nbsp;</p>\n\n<ol start="3">\n	<li>BATTERY BOOSTING/JUMPSTARTING In case the vehicle battery is weak and not enough power to start the engine, IBERO ASISTENCIA will send a technician complete with a good spare battery and boosting cable and shall conduct a battery boosting onsite.</li>\n</ol>\n\n<p>&nbsp;</p>\n\n<ol start="4">\n	<li>FUEL DELIVERY If the Covered Motor runs out of fuel, the Beneficiary may request IBERO ASISTENCIA to provide up to an agreed number of litres. Beneficiary will pay for the cost of the fuel itself.</li>\n</ol>\n\n<p>&nbsp;</p>\n\n<ol start="5">\n	<li>LOCKSMITH SERVICE- lf the Beneficiary cannot access the Covered Vehicle due to the keys being locked inside the Vehicle, IBERO ASISTENCIA will provide a locksmith to open the vehicle door and pay for the Locksmith&#39;s labor charges and travel expenses or will pick up the spare key in the Beneficiary&#39;s home or office and deliver it to the driver onsite. This benefit is up to Php 5,000 (Five Thousand Pesos) per event.</li>\n</ol>\n\n<p>&nbsp;</p>\n\n<ol start="6">\n	<li>TIRE REPLACEMENT- IF he Covered Vehicle has a punctured tire, IBERO&nbsp;ASISTENCIA will take care of replacing it for the spare, using a technician accredited by IBERO ASISTENCIA</li>\n</ol>\n\n<p>&nbsp;</p>\n\n<p>The minor on-site repair benefits (items 3 to 6) EACH have a sub-limit of up to Php 5,000 per event. Neither the supply of parts or replacement elements, nor materials in general are included in this coverage. Availment of any of the above benefits would constitute one event.</p>\n\n<p>&nbsp;</p>\n\n<p style="text-align:center"><strong>SECTION 2-PERSONAL ASSISTANCE</strong></p>\n\n<ol>\n	<li>STAY OR TRAVELING EXPENSES OF THE BENEFICIARY DUE TO THE IMMOBILIZATION OF THE COVERED VEHICLE</li>\n</ol>\n\n<p>The Beneficiary may choose among the following benefits:</p>\n\n<ol start="2">\n	<li>IBERO ASISTENCIA will bear the cost of up to two (2) night hotel stay at an agreed rate of up to Php 1,000 per night, totalling to a maximum of Php 2,000.00 per event in case of immobilization of the Covered Vehicle due to breakdown, and repair time is longer than 48 hours as established by the repair facility: OR</li>\n	<li>Continuation of journey Beneficiary may choose between (if the vehicle cannot be repaired within 48 hours from time of breakdown):</li>\n	<li>Courtesy Car Arrangement for the transfer to the place of residence or original place of destination thru provision of alternate means of transportation, for as long as the distance between the place of breakdown to the place of original destination is not greater from the place of breakdown to the Beneficiary&#39;s usual place of residence. Maximum limit up to Php 2,000 (Two thousand Pesos) per event</li>\n</ol>\n\n<p>OR</p>\n\n<ol>\n	<li>Transportation Reimbursement-Reimbursement of alternative transportation expenses (subject to submission of Original Receipt) to the place of planned destination, for as long as the distance between the places of breakdown to the place of original destination is not greater than the distance from place of breakdown to the Beneficiary&#39;s usual place of residence. Maximum limit up to Php 2,000 (Two thousand Pesos) per event</li>\n</ol>\n\n<p>NOTE: Availment of any of the above benefits would constitute one event.</p>\n\n<p>&nbsp;</p>\n\n<ol start="2">\n	<li>ACCIDENT COORDINATION</li>\n</ol>\n\n<p>In the event of an accident involving the covered vehicle, upon the request of the Beneficiary, IBERO ASISTENCIA will coordinate with the necessary government agencies (PNP, PNP HPG, MMDA SKYWAY Patrol, etc.) to assist the Beneficiary,</p>\n\n<p>&nbsp;</p>\n\n<ol start="3">\n	<li>ARRANGEMENT FOR HOSPITAL ADMISSION</li>\n</ol>\n\n<p>IBERO ASISTENCIA will take necessary admission assistance in the event the Beneficiary and or other passengers in the covered vehicle, are injured in a car accident. Medical expenses are to be borne by the Beneficiary or said other passengers in the covered vehicle.</p>\n\n<p>&nbsp;</p>\n\n<ol start="4">\n	<li>AMBULANCE COORDINATION ASSISTANCE</li>\n</ol>\n\n<p>IBERO ASISTENCIA will coordinate for an ambulance service when necessary, to bring the injured to the nearest hospital with appropriate medical capabilities and facilities for treatment. The ambulance expenses are for the account of the Beneficiary.</p>\n\n<p>&nbsp;</p>\n\n<ol start="5">\n	<li>LEGAL ASSISTANCEE</li>\n</ol>\n\n<p>IBERO ASISTENCIA will provide local contact information for attorneys as may be required by the Beneficiary. The costs of the legal services of the lawyer will be borne by the Beneficiary.</p>\n\n<p>&nbsp;</p>\n\n<p style="text-align:center"><strong>SECTION 3-INFO 24/7 SERVICE</strong></p>\n\n<ol>\n	<li>MMDA Traffic Advisory</li>\n	<li>Directory Assistance</li>\n	<li>Emergency Message Relay</li>\n	<li>Road Directory Assistance</li>\n</ol>\n\n<p>&nbsp;</p>\n\n<p style="text-align:center"><strong>SECTION4-ADDITIONAL BENEFITS</strong></p>\n\n<ol>\n	<li>Loss of Use- Covers reimbursement of rental expense incurred by the Insured for an alternative vehicle in the event that the enrolled/ insured unit is IMMOBILIZED due to an accident (excluding acts of nature):</li>\n</ol>\n\n<ul>\n	<li>Coverage is up to Pho 1,500 per day for a maximum of 3 days subject to the submission of the Official Receipt</li>\n	<li>Reimbursement benefit is triggered on the 4th day from the date of accident</li>\n</ul>\n\n<p>IBERO will accommodate filing of reimbursement for the above benefit provided there&rsquo;s an actual towing that has been rendered by 1BERO Asistencia and subject to submission of the required documents mentioned below within 90 days from date of car rental</p>\n\n<ul>\n	<li>With open case (Beneficiary called the hotline to report the incident)</li>\n	<li>Accomplished original Claim Form</li>\n	<li>Valid l0</li>\n	<li>Original OR</li>\n</ul>\n\n<ol start="2">\n	<li>Secondary Towing</li>\n</ol>\n\n<p>Secondary Towing is defined as the service by which a vehicle that is non drivable is to be transported from a location other than the place of breakdown to the nearest repair shop.</p>\n\n<p>Secondary towing pick-up and delivery locations include but are not limited to the following</p>\n\n<ul>\n	<li>Repair shop to warehouse and vice versa</li>\n	<li>Impounding site to repair shop and vice versa</li>\n	<li>Repair shop to repair shop</li>\n	<li>Repair shop to home</li>\n</ul>\n\n<p>Specific exclusions of secondary towing in addition to General Exclusion, the Beneficiary is not covered for the dismantled units/vehicles due to the following reasons:</p>\n\n<ul>\n	<li>Responsibility on dismantled parts</li>\n	<li>Inventory of parts</li>\n	<li>Time consuming</li>\n	<li>No compartment for storage of parts in the tow truck</li>\n	<li>Possibility of lost part during transport</li>\n</ul>\n\n<p>Utilization of the benefit constitutes one event forming part of the 3 covered events per year under this contract whether arising from accident or breakdown</p>\n\n<p>&nbsp;</p>\n\n<p>Limit per event is Php 5,000 (Five Thousand Pesos)</p>\n\n<p>&nbsp;</p>\n\n<p><strong><u>Qualifications</u></strong></p>\n\n<p>The Vehicle designated in the declaration provided that:</p>\n\n<ul>\n	<li>The Vehicle is not used for public transport of persons or merchandise, for hire with or without a driver</li>\n	<li>The Vehicle does not exceed 3,500 kilograms in weight as long as private</li>\n	<li>The Vehicle is not more than twelve (12) years old</li>\n</ul>\n\n<p>&nbsp;</p>\n\n<p><strong><u>GENERAL CONDITIONS</u></strong></p>\n\n<ol>\n	<li>IBERO shall be liable for rendering services or paying indemnity to the Beneficiary, provided that the Beneficiary has complied with, and continues to comply with the terms of this Contract</li>\n	<li>In the event that the Beneficiary requires a benefitl&#39;service named in this Contract, the Beneficiary shall:</li>\n	<li>Take all reasonable precautions to minimize the loss.</li>\n	<li>Call IBERO as soon as possible to report the problem and request services.</li>\n	<li>Freely provide lBERO with all relevant information.</li>\n	<li>Make no admission of liability or offer promise or payment of any kind, except if expressly authorized by IBERO.</li>\n	<li>IBERO is not liable in respect of any service, which would otherwise be rendered under this Contract, should there be any insurance in force covering the same contingences which predates this Contract</li>\n	<li>Whenever IBERO is not involved directly in providing the service, the Beneficiary shall first obtain IBERO&#39;s authorization by telephone. After receiving service from third party, the Beneficiary shall submit the original invoices to IBERO for reimbursement within ninety (90) days from date of assistance, to be eligible for reimbursement.</li>\n</ol>\n\n<p>&nbsp;</p>\n\n<p><strong><u>EXCLUSIONS</u></strong></p>\n\n<p><strong><u>&nbsp;</u></strong></p>\n\n<ol>\n	<li>IBERO will not be liable to provide any service assistance during or after the occurrence of events that arise directly, indirectly of proximately from:</li>\n	<li>Fraudulent acts by any Beneficiary or any other person entitled to the services under this Contract</li>\n	<li>Consequential losses of any kind.</li>\n	<li>Terrorism, mutinies, riots, wars, insurrections, industrial disturbances, civil disturbances, vandalism, sabotage.</li>\n	<li>Actions by the armed forces, or security forces, or other organizations.</li>\n	<li>The imposition of government restrictions (including the denial or cancellation of any necessary licensed,</li>\n	<li>Failure of electrical supply or telecommunications network</li>\n	<li>Nuclear radio activity.</li>\n	<li>Participation of the Beneficiary in:</li>\n</ol>\n\n<p>&nbsp;</p>\n\n<ul>\n	<li>Competitions, rallies, or contests</li>\n	<li>Competition sports</li>\n	<li>Criminal conduct</li>\n	<li>Wagers or challenges</li>\n</ul>\n\n<p>&nbsp;</p>\n\n<ol>\n	<li>Participation of the Beneficiary in risk activities such as motor sports.</li>\n	<li>Deliberate acts of the Beneficiary.</li>\n	<li>Illnesses or pathological states produced by voluntary consumption of alcohol, drugs, toxic substances, narcotics, or medicines acquired without medical prescription.</li>\n	<li>Suicide or attempted suicide, mental illness, pregnancy, abortion or childbirth, preventive medical check-ups, thermal treatments, aesthetic surgery, acquired immune deficiency syndrome (AIDS), and trips whose objective is receiving medical treatment or surgery.</li>\n	<li>Labour-related accidents or illness suffered during the professional activity qualified as a risk activity.</li>\n	<li>The driver of the Vehicle:</li>\n</ol>\n\n<ul>\n	<li>Is under the influence of drugs, toxic or narcotic substances, or his/her blo0d-alcohol level exceeds that permitted by the laws in the country where the Vehicle is being driven.</li>\n	<li>Is not in possession of a valid and subsisting driver&rsquo;s license corresponding to the class of Vehicle being driven.</li>\n</ul>\n\n<ol start="2">\n	<li>IBERO will not be liable for the cost of:</li>\n	<li>Any repairs to the Vehicle.</li>\n	<li>Any service assistance arranged by or on behalf of the Beneficiary without the prior authorization of IBERO except, in case of emergency or force majeure.</li>\n</ol>\n\n<p>&nbsp;</p>\n\n<p>Excluded Areas <strong>(with a free buy back cover for reimbursement subject to initial call to the 24/7 telephone hotline and presentation of required documents to be filed within 90 days to 1BER0 from date of towing service)</strong></p>\n\n<p>&nbsp;</p>\n\n<ul>\n	<li>Lanao del Norte (except ligan City)</li>\n	<li>North Cotabato</li>\n	<li>Maguindanao</li>\n	<li>Lanao del Sur</li>\n	<li>South Cotabato</li>\n	<li>Sultan Kudarat</li>\n	<li>Sulu</li>\n	<li>Basilan</li>\n	<li>Zamboanga del Sur</li>\n	<li>Compostela Valley</li>\n	<li>Masbate</li>\n	<li>Batanes</li>\n	<li>Marinduque</li>\n	<li>Tawi</li>\n	<li>Zamboanga del Norte</li>\n	<li>Zamboanga Sibugay</li>\n	<li>Catanduanes</li>\n	<li>Sarangani</li>\n	<li>Romblon</li>\n	<li>Guimaras</li>\n	<li>Camiguin</li>\n</ul>\n\n<p>&nbsp;</p>\n\n<p>The nearest available truck will be dispatched but waiting time may vary for those covered areas where there are no IBERO tow trucks present or no third party towing company available in the area.</p>\n\n<p>&nbsp;</p>\n\n<p>Whenever IBERO ASISTENCIA is not involved directly in providing the service, the Beneficiary shall first obtain IBERO ASISTENCIAs authorization by telephone. After receiving the service from a third party, the Beneficiary shall submit the original invoices to IBERO for reimbursement within 90 days from date of assistance (towing service). Reimbursement will only be made if the towing service of a third party was done on a covered area under the Contract.</p>\n\n<p>&nbsp;</p>\n\n<p><strong>ALLOWABLE REIMBURSEMENT CASES</strong></p>\n\n<ul>\n	<li>South Luzon Expressway (SLEX) and SKYWAY</li>\n	<li>North Luzon Expressway (NLEX)</li>\n	<li>Southern Tagalog Artillery Road (STAR) Tollway</li>\n	<li>Subic-Clark-Tarlac Expressway (SCTEX)</li>\n	<li>Tarlac-Pangasinan-La Union Expressway (TPLEX)</li>\n	<li>Cavite Expressway (CAVITEX) and Coastal Road</li>\n	<li>Immediate Towing Zone such as EDSA, Roxas Boulevard, Macapagal Boulevard, Osmena Highway</li>\n	<li>Cases with prior approval from IBERO ASISTENCIA</li>\n</ul>\n\n<p>&nbsp;</p>\n\n<p><strong>REQUIREMENTS FOR REIMBURSEMENT:</strong></p>\n\n<ul>\n	<li>A call to the 24/7 hotline at the time of immobilization</li>\n	<li>Submission of the following required documents within 90 days from date of towing by the other provider:</li>\n	<li>Official Receipt with Serial Number (Invoice Not Allowed)</li>\n	<li>Copy of Driver&#39;s License or any Valid D</li>\n	<li>Completed Claim Form</li>\n	<li>Incident Report</li>\n</ul>\n\n<p>&nbsp;</p>\n\n<p><strong>NUMBER OF COVERED EVENTS A YEAR:</strong></p>\n\n<p>The Beneficiary is entitled to a maximum of three (3) events per year, In case of road accident, this limit will not apply.</p>\n\n<p>Vehicle will always be delivered to nearest accredited repair shop.</p>\n\n<p>In the event that the expense is higher than the guaranteed limit, the excess will be for the account of the Beneficiary. In cases where the Beneficiary has exceeded the number of covered events in a year, the cost of the service will be for the account of the Beneficiary.</p>\n\n<p>Assistance or coordination services where the actual costs/ expenses are not indemnified by IBERO Asistencia have no limit on the number of availed in a year.</p>\n', '16,15,20,17,18,21,74', 500, '', '2020-05-18 10:10:51', '2020-12-28 14:42:32', 202, 228),
(964, '3', 'ACCESSORIES', 'ACCESSORIES CLAUSE-309', '<p>This policy does not cover car radio/cassette, air conditioner, magwheels and other optional accessories unless specified in the policy. This clause shall apply to the Loss/Damage cover under this policy.</p>\n', '20,17,18,19,21', 500, '', '2020-05-19 19:04:52', '2020-05-20 15:37:06', 202, 202),
(965, '3', 'DRUNKEN DRIVER', 'DRUNKEN DRIVER CLAUSE-309', '<p>No risk attaches under this policy while the vehicle insured herein is being driven by a driver under the influence of intoxicating drugs or liquor. This clause shall apply to the Loss/Damage and Excess Third Party Liability cover under this policy.</p>\n', '20,17,18,19,21', 500, '', '2020-05-19 19:07:47', '2020-05-20 15:36:43', 202, 202),
(966, '3', 'PCDC', 'DEDUCTIBLE CLAUSE Private car-311', '<h1 style="text-align: center;"><span style="font-size:12px">DEDUCTIBLE CLAUSE</span></h1>\n\n<h1 style="text-align: justify;"><span style="font-size:12px">It is hereby declared and agreed that notwithstanding anything contained in the Policy or Policy Schedule to the contrary, the Company shall not be liable for the first amount equal to a fixed &nbsp;amount of PHP 2,000.00 of each and every loss for each and every vehicle insured by this policy.</span></h1>\n', '', 455, '', '2020-05-20 11:22:11', '2020-05-20 11:24:20', 202, 202),
(967, '3', 'MORT-CLAUSE', 'MORTGAGEE CLAUSE-311', '<p style="text-align: center;"><strong>MORTGAGEE CLAUSE</strong></p>\n\n<p>Loss and/or damage, if any, under this policy shall be made payable to PHILIPPINE BUSINESS BANK, as their interest may appear, subject to the terms and conditions, warranties and clauses of this policy. It is expressly understood and agreed, that this policy or any renewal thereof, shall not be cancelled without prior written notification to and conformity by PHILIPPINE BUSINESS BANK.</p>\n', '', 456, '', '2020-05-20 11:26:10', '2020-05-20 11:26:10', 202, 202),
(968, '3', 'SR-END', 'STRIKE RIOT CIVIL COMMOTION ENDORSEMENT-311', '<p style="text-align: center;"><strong>STRIKE, RIOT AND CIVIL COMMOTION CLAUSE</strong></p>\n\n<p>In consideration of the payment of an additional premium, it is hereby understood and agreed that the words &quot;strike, riot and civil commotion&rdquo; in the General Exceptions of this Policy are deemed<br />\ndeleted.<br />\n&nbsp;</p>\n', '', 457, '', '2020-05-20 11:32:16', '2020-05-20 11:32:16', 202, 202),
(969, '3', 'CVDC', 'DEDUCTIBLE CLAUSE Commercial Vehicle-311', '<p style="text-align: center;"><strong>DEDUCTIBLE CLAUSE</strong></p>\n\n<p>It is hereby declared and agreed that notwithstanding anything contained in the Policy or Policy Schedule to the contrary, the Company shall not be liable for the first amount equal to a fixed &nbsp;amount of PHP 3,000.00 of each and every loss for each and every vehicle insured by this policy.</p>\n', '', 458, '', '2020-05-20 11:35:08', '2020-05-20 11:35:08', 202, 202),
(970, '3', 'DCV', 'DEPRECIATION CLAUSE -CV-318', '<p style="text-align: center;"><strong>DEPRECIATION CLAUSE&nbsp;<br />\n(Contribution of the insured in any claim)<br />\nCommercial Vehicle</strong></p>\n\n<p style="text-align: justify;"><br />\nIt is hereby declared and agreed that in the event of a claim being payable under Section III of this Policy for the cost of replacement parts, the amount of settlement shall be the cost of brand new part(s) to replace the damage party(s) of the Insured vehicle less the share of the Insured on the cost of the replacement parts computed based on the following depreciation schedule:</p>\n\n<p style="text-align: justify;">&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;Age of Vehicle&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Rate Depreciation<br />\n&nbsp; &nbsp; &nbsp;&nbsp;&nbsp; Share of the Insured)<br />\n&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;Up to 3 years &nbsp; &nbsp; &nbsp; &nbsp;&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;NIL<br />\n&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;Over 3 years up to 4 years &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;&nbsp; &nbsp;25%<br />\n&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;Over 4 years up to 5 years &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;&nbsp; &nbsp;30%<br />\n&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;Over 5 years up to 6 years &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;&nbsp; &nbsp;35%<br />\n&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;Over 6 years up to 7 years &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;&nbsp; &nbsp;40%<br />\n&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;Over 7 years &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 45%<br />\n&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;Rebuilt and Reconditioned Vehicles&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 50%<br />\n&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;Batteries, Tires, Ball Joints<br />\n&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;Tie Rods, Shock Absorbers &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp; &nbsp;50%</p>\n\n<p>It is further declared and agreed that in case of the total loss of the vehicle insured, this clause shall not apply but the settlement shall be based on the provisions of Section III, Paragraph No. 2 of the Policy.<br />\n&nbsp;</p>\n', '', 459, '', '2020-05-20 15:44:44', '2020-05-20 15:44:44', 202, 202),
(971, '3', 'DPC', 'PRIVATE CAR DEPRECIATION 1-318', '<p style="text-align: center;"><strong>DEPRECIATION CLAUSE<br />\n(Contribution of the Insured in any claim)<br />\nPrivate Car</strong></p>\n\n<p>It is hereby declared and agreed that in the event of a claim being payable under Section III of this Policy &nbsp;for the cost of replacement parts, the amount of settlement shall be the cost of brand new part(s) to replace the damage party(s) of the Insured vehicles less the share of the insured on the cost of the replacement parts computed based on the following depreciation schedule:<br />\n&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;Age of Vehicle &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp; Rate of Depreciation<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;(Share of the Insured)<br />\n&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;Up to 3 years &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp; NIL<br />\n&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;Over 3 years up to 4 years &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;20%<br />\n&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;Over 4 years up to 5 years &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;25%<br />\n&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp; 5 years up to 6 years&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 30%<br />\n&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;Over 6 years up to 7 years &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;35%<br />\n&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;Over 7 years &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;40%&nbsp;<br />\n&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;Batteries, Tires, Ball Joints<br />\n&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;Tie Rods, Shock Absorbers&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;45% &nbsp; &nbsp; &nbsp; &nbsp;<br />\nIt is further declared and agreed that in case of the total loss of the vehicle insured, this clause shall not apply but the settlement shall be based on the provisions of Section III, Paragraph No. 2 of the Policy.<br />\n&nbsp;</p>\n', '', 460, '', '2020-05-20 15:47:21', '2020-05-20 15:47:21', 202, 202),
(972, '6', 'FG', 'FG POLICY CONDITION-322', '<p><br />\nWHEREAS the Insured employs or is about to employ the persons named in the Schedule hereto (hereinafter called the Employees) in the respective capacities specified therein and has made to ALLLIEDBANKERS INSURANCE CORP. (hereinafter called the Company),a written statement or statements and declaration the information in which is the basis of the Contract &nbsp;and is to be considered as incorporated herein and has paid to the Company the premium stated in the Schedule.</p>\n\n<p>NOW THIS POLICY WITNESSETH that, if within the period of guarantee or during any subsequent &nbsp;period in respect of which premium shall &nbsp;have been accepted &nbsp;by the Company, any of the Employees, shall, whilst acting in the capacity set opposite the name of such Employee in said Schedule, commit any or acts of FRAUD or DISHONESTY (which act &nbsp;are hereinafter called the acts insured against) the Company will make good to the Insured any financial loss which the Insured shall thereby directly sustain up to an amount not exceeding for all the acts insured against committed during the whole period of the subsistence of this &nbsp;Policy by the defaulting employee the sum set opposite the name of such Employee in said Schedule (subject to the deduction or set-off hereinafter mentioned).</p>\n\n<p>PROVIDED that such act insured against is discovered not later than six months after the resignation, dismissal, retirement or death of the defaulting Employee, not later than three months after the termination of this Policy as regards such Employee whichever be the earlier.</p>\n\n<p>PROVIDED ALSO that any money which shall be due to the defaulting Employee from the Insured shall be set off against the amount agreed to be made good under this Policy and the balance of such last mentioned amount shall be the only sum payable by the Company, and that all money which at any time after the discovery of the default of the employee shall come into the power of the Insured shall be employed by the insured in making good the amount of the claim under this Policy.</p>\n\n<p>IT IS HEREBY FURTHER AGREED that any alterations in or additions to said Schedule which may be with the consent of the Company, shall on payment of an additional premium in respect of any increased liability, be deemed to be incorporated in this Policy.</p>\n\n<p>PROVIDED ALWAYS that if defalcations arising from acts insured against extend over a period during which the amount set opposite &nbsp;to the name of the defaulting Employee has been altered or realtered, the Company&rsquo;s liability in respect of any part of such period shall not exceed the amount set opposite his name in respect of that part of the period, nor shall it exceed, in respect of the whole period, the largest of the amount set opposite his name in respect of any part thereof.</p>\n\n<p><br />\nPROVIDED LASTLY, AND IT IS HEREBY DECLARED that this Agreement is entered into on the understanding that the Company shall alone be liable to answer and make good any claim hereunder and that no Officer of the Company shall in manner be personally liable or subject to any action, claim or demand by reason of his having signed this Agreement.</p>\n\n<p style="text-align: center;"><strong>C O N D I T I O N S</strong></p>\n\n<p><br />\n1.&nbsp;&nbsp; &nbsp;This Policy shall be void as to any of the Employees affected:</p>\n\n<p>(a)&nbsp;&nbsp; &nbsp;If any suppression or misstatement of any fact affecting the risk of the<br />\nCompany be made at the time of effecting this Policy or subsequently; or</p>\n\n<p>(b)&nbsp;&nbsp; &nbsp;If the precautions and checks for securing accuracy of accounts and limiting<br />\nthe amount of money received by or entrusted to any of the Employees at any<br />\none time, shall not be duly observed and put in practice on the part of the Insured<br />\nin accordance with said written statement or statements; or</p>\n\n<p>(c)&nbsp;&nbsp; &nbsp;If there be any change in the circumstances and conditions of the employment<br />\nof any of the Employees without in every case the consent or sanctions of the<br />\nCompany, signified by endorsement hereon; or</p>\n\n<p>(d)&nbsp;&nbsp; &nbsp;If the insured shall continue to entrust an Employee with money or any other<br />\nproperty whatsoever after having discovered the commission at any time by the said Employee of any act insured against.</p>\n\n<p>In all cases where this Policy is void, or ceases to be in force, in respect of any<br />\nemployee, all money paid to the Company in respect of such employee shall be<br />\nforfeited.</p>\n\n<p>2. &nbsp;The Company shall not be liable for any loss, due to an act insured against, &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;committed by the same Employee, shall have come to the Insured or to any &nbsp; Representative of the Insured to whom is entrusted the duty of superintendence over the &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;said Employee.</p>\n\n<p>3.&nbsp;&nbsp; &nbsp;That Insured shall give notice in writing to the Company of any act insured against,<br />\ncommitted by an Employee, immediately after the same shall have come to the knowledge of the Insured or of the Insured&rsquo;s representative as aforesaid, stating the method of the fraud, the nature and extent of the loss so far as can be ascertained, and the last known address of the said Employee.</p>\n\n<p>4.&nbsp;&nbsp; &nbsp;Every claim under this Policy shall be lodge with the Company within two months after the date of such notice accompanied by full particulars and satisfactory proofs of the loss (verified if the Company shall so require by statutory declaration), and when any such loss has been made good and satisfied by the Company this Policy so far as regards the defaulter shall wholly cease and determine as to any further obligation of the Company.</p>\n\n<p>5. &nbsp;The Company shall be entitled, at its own benefit, in the name of the Insured or<br />\n&nbsp; &nbsp; &nbsp; otherwise, to prosecute all claims and exercise all rights of action competent to the<br />\n&nbsp; &nbsp; &nbsp; Insured, against any of the Employees, in respect of any acts insured against in<br />\n&nbsp; &nbsp; &nbsp; connection with which it may have made a payment under this Policy; and the &nbsp;<br />\n&nbsp; &nbsp; &nbsp; Insured shall give to the Company all such information and assistance as<br />\n&nbsp; &nbsp; &nbsp; be reasonably required for maintaining any such claims or rights.</p>\n\n<p>6.&nbsp;&nbsp; &nbsp;The Insured shall, if required by the Company, give information and furnish evidence<br />\nto the Criminal Authorities of any act or acts insured against, committed or supposed to have been committed, by any Employees, in consequence of which a claim may be made under this Policy and Insured shall if so required by the Company, forthwith prosecute the Employees for such acts, subject to the payment by the Company of all expenses necessarily incurred by the Insured in such prosecution.</p>\n\n<p>7.&nbsp;&nbsp; &nbsp;The Company shall only be liable to contribute pro rata with any other guarantee,<br />\nwhether by policy or otherwise, held by the Insured, whether such guarantee be now<br />\nheld by the Insured or be hereafter taken or acquired; and the Insured shall be bound to advise the Company of every such guarantee, and of any limitation, discharge or termination thereof.</p>\n\n<p>8. &nbsp; &nbsp; ACTION OR SUIT CLAUSE &ndash; if a claim be made and rejected and an action or suit be not commence either in the Insurance Commission or any Court of competent jurisdiction within twelve (12) months from receipt of notice of such rejection, or in case<br />\nof arbitration taking place as provided herein, within twelve (12) months after due notice of the award made by the arbitrator or arbitrators or umpire, then the claim shall for all purpose be deemed to have been abandoned and shall not thereafter be recoverable hereunder.</p>\n\n<p>CANCELLATION CLAUSE &ndash; This Policy shall be cancelled by or on behalf of the<br />\nCompany except in accordance with and pursuant to the provisions of Section 64 and 65 of the Insurance Code. &nbsp;In the event of such cancellation, the Company shall refund the paid premium less the earned portion thereof to the insured. &nbsp;Likewise, the policy may be cancelled on the short rate basis set forth in the short cancellation table at the request of the assured.</p>\n\n<p>9.&nbsp;&nbsp; &nbsp;All notices including lodgments of claims required to be given by the Insured to the<br />\nCompany shall be given in writing to the Company at its Manila address or provincial<br />\nbranches address.</p>\n\n<p>10.&nbsp;&nbsp; &nbsp;The Company or the Insured may at any time cancel either this Policy in its entirely or the guarantee herein &nbsp;provided in &nbsp;respect of any particular Employee or Employees by written notice served upon or sent by registered mail to the other party and specifying therein the effective date of such cancellation. &nbsp;If the notice be served by the Company such date shall not be less than twenty five days after such service or if the notice be sent by registered mail by the Company such date shall not be less than thirty days after the date borned by the sender&rsquo;s registry receipt. &nbsp;In case of cancellation by either party the Company shall return to the Insured a proportionate part of the premium corresponding to the unexpired term as the case may be of this Policy in its entirely or of the guarantee herein provided in respect of any particular Employee or Employees but in the event of payment by the Company of a loss on account of discovered after such cancellation the Insured shall refund to the Company the part of such return premium applicable to such Employee. &nbsp;The Company shall not be liable of any act hereby insured against discovered later three months after the cancellation of this Policy in its entirely nor shall the Company be liable in respect of any loss on account of any particular Employee or Employees discovered later than three months after the cancellation of the guarantee here in provided in respect of such Employee or Employees.</p>\n\n<p><br />\n11.&nbsp;&nbsp; &nbsp;It is hereby declared and agreed that the provision of Article 1250 of the Civil Code of<br />\nthe Philippines (Republic Act No. 386) which reads:</p>\n\n<p>&ldquo;In case an extraordinary inflation of the currency stipulated should supervene, the<br />\nvalue of the currency at the time of the establishment of the obligation shall be the basis of payment,&rdquo; &nbsp;shall not apply in determining the extent of liability under the provision of this policy.</p>\n\n<p>12.&nbsp;&nbsp; &nbsp;OMNIBUS CLAUSE - &nbsp;All applicable provisions of Presidential Decree No. 612,<br />\notherwise known as the Insurance Code, are deemed to have been incorporated in this policy, certificate or contract of insurance and will supersede any agreement/condition inconsistent &nbsp;therewith.</p>\n\n<p>13.&nbsp;&nbsp; &nbsp;None of the provisions, conditions and terms of this policy shall be waived or altered<br />\nexcept by endorsement signed or initialed by an authorized official of the insurers and issued in accordance with the provisions of Section 50 of the Insurance Code.</p>\n\n<p>14.&nbsp;&nbsp; &nbsp;ARBITRATION CLAUSE - &nbsp;All differences to the amount of any loss or damage covered by &nbsp;this Policy shall be referred to the decision of an arbitrator to be appointed by the parties in difference or if they cannot agree upon a single arbitrator &nbsp;to the decision of &nbsp; &nbsp; &nbsp; two arbitrators one to be appointed in writing by each of the parties with (3) three days after having been required in writing so to do by either of the parties or incase of the parties or in case of disagreement between the arbitrators to the decision of an Umpire to be appointed in writing by the arbitrators before entering upon the reference. &nbsp;TheUmpire shall sit &nbsp;with the Arbitrators and preside at their meetings. &nbsp;The makings of an award as provided herein shall be a conditions precedent to any right of action against the Insurers only in cases of differences as to the amount of a liability actually arising out of this Policy.</p>\n\n<p>15.&nbsp;&nbsp; &nbsp;SETTLEMENT OF &nbsp;CLAIMS - The amount of any loss or damage for which an insurer may be liable, shall be paid within thirty days after proof of loss is received by the insurer and ascertainment of the loss or damage is made either by agreement between the insured and the insurer or by arbitration; but is such ascertainment is not &nbsp;had or made within sixty days after such receipt by the insurer of the proof of loss, then the loss or damage &nbsp;shall be paid within ninety days after such receipt. &nbsp;Refusal or failure to pay the loss or damage within the time prescribed herein will entitle the assured to collect interest on the proceeds of the policy for the duration of the delay at the rate of twice the ceiling prescribed by the Monetary Board, unless such failure or refusal to pay is based on the ground that the claims is fraudulent.</p>\n\n<p>16.&nbsp;&nbsp; &nbsp;RENEWAL CLAUSE - &nbsp;In accordance with Section 66 of Presidential &nbsp;Decree No. 612, otherwise known as the Insurance Code, unless the Company at least forty five days in advance to the end of the Policy period, mails or delivers to the Assured at the address shown in the Policy, notice of its intention not to renew the Policy or to condition its renewal upon reduction of limits or elimination of coverages, the Assured shall be entitled to renew the Policy upon payment of the premium due on the effective date of renewal.</p>\n\n<p>IMPORTANT NOTICE</p>\n\n<p>1.&nbsp;&nbsp; &nbsp;The &nbsp;INSURANCE COMMISIONER with offices in Manila, is the Government Official<br />\nIn charge of the enforcement of all laws relating to Insurance and has supervision over Insurance companies. &nbsp;He is ready at all times to render assistance in settling any controversy between an Insurance Company and a Policyholder relating to insurance matters.</p>\n\n<p><br />\n2.&nbsp;&nbsp; &nbsp;For your own protection you are requested to read this Policy in full, including its conditions, and, if it is not in accordance with your intentions, to return it immediately<br />\nfor corrections.</p>\n', '', 300, '', '2020-05-21 13:37:51', '2020-05-21 13:37:51', 202, 202),
(973, '1,4,5,7', 'COR-EXC', 'CORONAVIRUS EXCLUSION', '<p>It is hereby declared and agreed that this policy does not cover any claim in any way caused by or resulting from:&nbsp;</p>\n\n<p>&nbsp;&nbsp; &nbsp;a) Coronavirus disease (COVID-19);&nbsp;<br />\n&nbsp;&nbsp; &nbsp;b) Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2);&nbsp;<br />\n&nbsp;&nbsp; &nbsp;c) any mutation or variation of SARS-CoV-2;&nbsp;<br />\n&nbsp;&nbsp; &nbsp;d) any fear or threat of a), b) or c) above.&nbsp;</p>\n\n<p>Nothing herein contained shall be held to vary, alter, waive or change any of the terms or conditions of this policy except as herein above set fort</p>\n\n<p>&nbsp;</p>\n\n<p>CONFORME:&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;ALLIEDBANKERS INSURANCE CORPORATION</p>\n\n<p><br />\n&nbsp;</p>\n\n<p>__________________&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; _________________________<br />\nAssured Signature&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp; Authorized Representative</p>\n', '2,3,4,5,6,9,10,7,8,11,12,13,76,102,23,24,25,34,78,35,38,39,106,54,63,64,81,90,107,93,94,95,96,97,108,109,55,56,105,57,58,59,60,61,62,22,83', 712, '', '2020-05-28 13:37:45', '2020-06-01 18:34:14', 194, 194),
(974, '1', 'EMO-TRA-EXT', 'EMPLOYEE ON TRAINING COURSES LIABILITY EXTENSION', '<p>It is hereby declared and agreed that this policy extends to cover legal liability of assured&#39;s employee, for bodily injury and death or property damage to third party arising from training courses and sponsorship programmes conducted within the normal course of the assured&#39;s business.</p>\n', '', 999, '', '2020-10-17 09:15:39', '2020-10-17 09:15:39', 194, 194);
INSERT INTO `mstwarrantclause` (`code`, `line_mst_code`, `short_name`, `warrant_title`, `warrant_text`, `default_peril_mst_codes`, `print_order`, `remarks`, `created_at`, `updated_at`, `created_user_mst_code`, `updated_user_mst_code`) VALUES
(975, '1', 'GEN-CON', 'GENERAL CONDITIONS', '<p>1. Alteration Clause&nbsp;<br />\nThe Insured shall give immediate notice to the Company of any alteration, which materially affects the risk. Notice to any agent or knowledge possessed by any agent or by any other person shall not effect a waiver or a change in any part of this Policy or stop the company from asserting any right under the terms of this Policy nor shall the terms of this Policy be waived or changed except by endorsement issued to form part of this Policy and signed by an authorized representative of the Company.&nbsp;<br />\n2. Arbitration Clause<br />\nAll differences as to the amount of any loss or damage covered by this Policy shall be referred to the decision of an arbitrator to be appointed by the parties in difference or if they cannot agree upon a single arbitrator to the decision of two arbitrators, one to be appointed in writing by each of the parties within thirty (30) days after having been required in writing to do so by either of the parties or in case of disagreement between the arbitrators to the decisions of an umpire to be appointed in writing by the arbitrators before entering on the reference and an award by the arbitrators or umpire shall be condition precedent to any right of action against the Company.&nbsp;<br />\n3. Average<br />\nIf the property hereby insured shall, on the happening of any loss or damage be collectively of greater value than the sum insured thereon, then the Insured shall be considered as being their own insurer for the difference, and shall bear a ratable portion of the loss accordingly. However, if the value of the insured property affected at the happening of the loss or damage is at least (per policy schedule) of the value of indemnity, then average clause will not apply and is waived by the Insurer. Every item, if more than one, of the Policy shall be separately subject to this condition.&nbsp;<br />\n4. Changes in Policy Clause<br />\nNone of the provision, conditions and terms of this policy shall be waived or altered except by endorsement&nbsp;<br />\nsigned or initialed by an authorized official of the Company and issued whenever applicable in accordance with the provisions of Section 50 of the Insurance Code.&nbsp;<br />\n5. Diligence Clause<br />\nThe Insured shall at all times act with due diligence to prevent, or minimize the extent of any destruction of or damage to the property insured.&nbsp;<br />\n6. Fraudulent Claims Clause<br />\nIf the claim be in any respect fraudulent, or if any false declaration be made or used in support thereof, or if any fraudulent means or devices are used by the Insured or any one acting on their behalf to obtain any benefit under this Policy, or if the destruction or damage be occasioned by the willful act, or with the connivance of the Insured; all benefit under this Policy shall be forfeited.&nbsp;<br />\n7. Insured Rights Clause<br />\nOn the happening of any destruction or damage to any of the property insured by this Policy the Insurers may</p>\n\n<p>(a)&nbsp;&nbsp; &nbsp;Take possession of or require to be delivered to it any property of the Insured on the premises at the time of the destruction or damage.<br />\n(b)&nbsp;&nbsp; &nbsp;Keep possession of any such property and examine, sort, arrange, remove, or otherwise deal with the same.<br />\n(c)&nbsp;&nbsp; &nbsp;Sell any such property or dispose of the same for account of whom it may concern.<br />\nThe power conferred by this Condition shall be exercisable by the Insurers at any time until notice in writing is given by the Insureds that he makes no claim under the Policy, or if any claim is made, until such is finally determined or withdrawn, and the Insurers shall not by any act done in the exercise or purported exercise of their power hereunder, incur any liability to the Insured or diminish the Insured&rsquo;s right to rely upon any of the conditions of this Policy in answer to any claim. &nbsp;If the Insured or any person on their behalf shall not without valid grounds comply with the requirements of the Insurers or shall hinder or obstruct the Insurers or shall hinder or obstruct the Insurers in the exercise of their powers hereunder, all benefits under this Policy shall be forfeited.</p>\n\n<p>The Insured shall not in any case be entitled to abandon any property to the Insurers whether taken possession of by the Insured or not.<br />\n<br />\n8. Insurer Rights<br />\nTo follow<br />\n<br />\n9. Insurers Option to Repair Clause<br />\nThe Insurers may at their option reinstate the property damaged or destroyed, or any part thereof, instead of paying the amount of the destruction or damage, or may join with other Insurers in so doing, but the Insurers shall not be bound to reinstate exactly but only as circumstances permit and in a reasonably sufficient manner, and in no case shaft the Insurers be bound to expend more in reinstatement that it would have cost to reinstate such property as it was at the time of the occurrence of such destruction or damage, nor more than the sum insured by the Insurers thereon.&nbsp;<br />\nIf the Insurers so elect to reinstate or replace any property the Insured shall, at their own expense, furnish the Insurers with such plans, specifications, measurements, quantities, and such other particulars as the Insurers may require, and no acts done, or caused to be done by the Insurers with a new reinstatement or replacement shall be deemed an election by the Insurers to reinstate or replace.&nbsp;<br />\nIf in any case the Insurers shall be unable to reinstate or repair the property hereby insured because of any municipal or other regulations in force affecting the alignment of streets, or the construction of buildings, or otherwise, the Insurers shall, in every case, only be liable to pay such sum as would be requisite to reinstate or repair such property if the same could lawfully be reinstated to its former condition.&nbsp;<br />\n10. Misdescription Clause<br />\nIf there be any material misdescription of any of the property hereby insured or of the trade, process or manufacture carried out by the Insured or any misrepresentation as to any fact material to be known for the estimating the risk or any omission to state such fact, the Insurers, shall not be liable under this Policy.&nbsp;<br />\n11. Notification Clause<br />\nOn the happening of any destruction or damage, the Insured shall forthwith give notice thereof to the Insurers and shall within sixty (60) days after the destruction or damage, or such further time as the Insurers may inwriting allow, deliver to the Insurer.&nbsp;<br />\na.) A claim in writing for the destruction or damage containing as particular an account as may be&nbsp;<br />\nreasonably practicable of all the several articles or items of property damaged or destroyed and of the amount of the destruction or damage, and a detailed summary of any consequential loss of income.&nbsp;<br />\nb.) Particulars of all other insurance, if any.<br />\nThe Insured shall also at all times at their own expense produce, procure and give to the Insurers all such further particulars, plans, specifications, books, vouchers, invoices, duplicates or copies thereof, documents, proofs and information with respect to the claim and the origin, cause and circumstances under which the destruction or damage occurred and any matter touching the liability or the amount of the liability of the Insurers as may be reasonably required by or on behalf of the Insurers together with a declaration on oath or in other legal form of the truth of the claim and of any matters connected therewith. NO claim under this Policy shall be payable unless the terms of this condition have been complied with.&nbsp;<br />\n12. Other Insurance Clause<br />\nThc Insured shall give notice to the Insurers of any insurance or insurance already affected, or which may subsequently be effected covering any of the property insured, and at the time of any destruction or damage happening to any property insured, the Insurers shall not be liable to pay or contribute more than their ratable proportion of such loss or damage.&nbsp;<br />\n13. Prescription Clause<br />\nIn no ease whatsoever shall the Insurers be liable for any destruction or damage after the expiration of twelve (12) months from the happening of the destruction or damage unless the claim is the subject of pending action or arbitration.&nbsp;<br />\n14. Receipt of Payment Clause&nbsp;<br />\nExcept only in those specific where corresponding rules and regulations which now are or may hereafter be in force provide for the payment of the stipulated premiums in periodic installments at fixed percentages, it is hereby declared, agreed and warranted that this policy shall be deemed effective, valid and binding upon the Company only when the premiums thereof have actually been paid in full and duly acknowledged in a receipt signed by any authorized official or representative/agent of the Company.<br />\n15. Renewal Clause<br />\nUnless the Insurers at least forty-five (45) days in advance of the end of the Policy notice of its intention to renew the Policy or to condition its renewal upon the reduction of limits or elimination of coverage, the Insured shall be entitled to renew the Policy upon payment of the premium due on the effective date of renewal.&nbsp;<br />\n16. Subrogation Clause<br />\nIn the event of any payment under this Policy, the Company shall be subrogated to all the Insured&#39;s right of recovery thereof against any person or organization and the Insured shall execute and deliver instrument and papers and do whatever else is necessary to secure such rights. The Insured shall do nothing after loss to prejudice such right&nbsp;<br />\n17. Suit Against the Company<br />\nIf a claim be made and rejected and an action or suit be not commenced either in the Insurance Commission or any court of competent jurisdiction within twelve (12) months from receipt of notice of such rejection, or in case of arbitration taking place as provided herein, within twelve (12) months after due notice of the award made by the arbitrator or arbitrators or umpire, then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder.&nbsp;</p>\n', '', 555, '', '2020-10-22 21:00:45', '2020-10-22 21:00:45', 194, 194),
(976, '1', 'WIN-STO', 'WINDSTORM', '<p>It is hereby declared and agreed, that this policy extends to cover loss or damage to property occasioned by or in consequence of Windstorm or Tornado. The term Tornado as used in this endorsement shall mean violently rotating winds having the appearance of a funnel-shaped cloud; on the other hand, Windstorm is a storm with high winds but little or no rain, strong enough to damage property.<br />\nHailstorm is a storm with rain showers of small balls of ice and/or hardened snow.</p>\n\n<p>1. It is a condition of this insurance that the Insured undertakes to exercise all ordinary and reasonable precaution for the maintenance and safety of the property.</p>\n\n<p>2. The Insurers(s) shall not be liable for:</p>\n\n<p>a. loss or damage to building in the course of construction or reconstruction (or their contents) unless entirely enclosed and under roof with all outside doors and windows permanently in place, or property contained in any portion of the building described in this policy not completely enclosed and roofed.</p>\n\n<p>b. Loss or damage caused directly or indirectly by flood, tidal wave, high water or overflow whether driven by wind or not. The company shall not be liable for loss and/or damage cause directly or indirectly by backing up of sewers, drains, canals, creeks, rivers and/or storm drainage system.</p>\n\n<p>c. Loss or damage caused directly or indirectly by landslide, subsidence, cloudburst or explosion, whether incidental to windstorm or tornado or by neglect of the Insured to use all reasonable means to save and preserve the property during tornado</p>\n\n<p>d. Loss or damage caused by rain whether driven by wind, or not unless the building Insured or containing the&nbsp;property shall first sustain an actual damage to roof or walls by the direct force of such windstorm or tornado and the company shall then be liable for such loss or damage to the building Insured or contained the property Insured therein as may be cause by rain entering the building through openings in the roof or in walls made by direct action of such windstorm or tornado.</p>\n\n<p>e. Water damage as a result of doors, windows or roof lights being left open notwithstanding the existence or presence of such windstorm or tornado</p>\n\n<p>f. Loss or damage to any building or the contents thereof, or on the happening of such loss or damage, when the building was already in a damaged, defective, fallen or displaced condition as regards foundation, walls, ceiling, guttering or roof lights.</p>\n\n<p>3. It is understood and agreed that the Insured shall bear that portion of the loss or damage caused by windstorm. hail or tornado, to each affected item of Insured property equivalent to 2% of its actual value at the time of loss, for each claim or series of claims arising out of any occurrence the duration and extent of which shall be limited to 168 consecutive hours. For the purpose of this clause, the following shall be considered as separate items of Insured property, regardless of what is indicated in the policy schedule.</p>\n\n<p>&nbsp;&nbsp;&nbsp;a. Each building, including machinery, equipment and fixtures normal to its operation<br />\n&nbsp;&nbsp;&nbsp;b. All machinery and equipment contained in each building<br />\n&nbsp;&nbsp;&nbsp;c. All stocks in trade (raw materials, work-in process, supplies and finished goods) contained in each building<br />\n&nbsp;&nbsp;&nbsp;d. All other contents contained in each building</p>\n\n<p>In case of other insurances on the same item of property, this clause shall apply only once regardless of the number of policies or Insurers.</p>\n\n<p>It is further declared and agreed that in the computation of the claims payable, Condition No. 20 (Average Clause) of this policy shall apply after the application of the deductible provided herein.</p>\n\n<p>Nothing herein contained shall be held to vary, alter, waive or change any of the terms, limitations or conditions. clauses on the policy, except as may be expressly varied.</p>\n', '', 599, '', '2020-12-07 09:06:15', '2020-12-07 09:06:15', 194, 194),
(977, '1,5', 'INC-BRE-CON', 'INNOCENT BREACH OF CONDITIONS', '<p>The conditions and warranties of this Policy shall apply individually to each of the risks insured and not collectively to them. Thus, a breach of any condition or warranty shall void the Policy only in respect of all risks to which that breach applieas and does not affect the Policy in respect of the other risks.</p>\n', '', 818, '', '2020-12-15 19:06:49', '2020-12-15 19:06:49', 194, 194),
(978, '1', 'INS-RAD-CON-EXCL-CLA', 'INSTITUTE RADIOACTIVE CONTAMINATION EXCLUSION CLAUSE ', '<p>This clause shall be paramount and shall override anything contained in this insurance inconsistent therewith.&nbsp;</p>\n\n<p>In no case shall this insurance cover loss damage liability or expense directly or indirectly caused by or contributed to by or arising from:&nbsp;</p>\n\n<p>1. ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel&nbsp;<br />\n2. the radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof&nbsp;<br />\n3. any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.&nbsp;<br />\n4. the radioactive, toxic, explosive or other hazardous or contaminating properties of any radioactive matter. The exclusion in this sub-clause does not extend to radioactive isotopes, other than nuclear fuel, when such isotopes are being prepared, carried, stored, or used for commercial, agricultural, medical, scientific or other similar peaceful purposes.&nbsp;<br />\n5. any chemical, biological, bio-chemical or electromagnetic weapon. Except as varied by this endorsement, all other terms and conditions remain unaltered.&nbsp;</p>\n', '', 828, '', '2020-12-16 17:41:52', '2020-12-16 17:41:52', 194, 194),
(979, '1', 'OUT-CLA', 'OUTBUILDING CLAUSE - PBB', '<p>&quot;The insurance by each item under this policy/building is understood to include walls, gates and fences, small outside buildings, extensions, annexes, exterior staircases, fuel installations, steel or iron framework and tanks in the said premises and the insurance by each item under contents&nbsp;extends to include the contents of each outbuilding&quot;&nbsp;</p>\n\n<p><br />\n&quot;Provided that the liability of the Company under this extension shall not exceed the amount specified in the Policy Schedule.&quot;</p>\n', '', 2, '', '2021-01-28 08:01:29', '2021-01-28 08:01:29', 194, 194),
(980, '1', 'MAC-BRE', 'MB', '<p>MACHINERY BREAKDOWN</p>\n\n<p>&nbsp;THE INSURERS HEREBY AGREE with the Insured (subject always to the terms, provisions and conditions contained herein or endorsed hereon), that if at any time during the period of insurance stated in the Schedule, there shall occur to the machinery insured (or any part thereof) specified in the said Schedule, whilst on the premises mentioned therein, any unforeseen and sudden physical loss or damage necessitating its repair or replacement due to the causes such as defects in casting and material, faulty design, faults at workshop or in erection, bad workmanship, lack of skill, carelessness, shortage of water in boilers, physical explosion, tearing apart on account of centrifugal force, short circuit or any other cause not specifically excluded hereinafter.</p>\n\n<p>THE INSURERS WILL INDEMNIFY the Insured in respect of such loss or damage by payment in cash, replacement or repair (at their own option) as hereinafter provided, up to an amount not exceeding in any one year of insurance in respect of each of the machines specified in the Schedule the sum set opposite thereto and not exceeding the whole the total sum insured thereby.<br />\nThis insurance applies whether the insured machines are at work or at rest, or being dismantled for the purpose of cleaning, overhauling or of being shifted within the said premises, or in the course of the aforesaid operations themselves, or in the course of subsequent re-erection, but in any case only after successful commissioning.</p>\n\n<p>THE INSURERS SHALL NOT BE LIABLE FOR:<br />\na. The deductible stated in the Schedule to be borne by the Insured in any one occurrence; if more than one machine is lost or damaged in one occurrence, the Insured shall not, however, be called upon to bear more than the highest single deductible applicable to such machines;<br />\nb. Loss or damage to belts, ropes, wires, chains, rubber tires, dies or exchangeable tools, engraved cylinders, objects made of glass, porcelain, ceramics, felts, sieves or fabrics, all operating media (e.g. lubricating oil, fuel, catalysts);<br />\nc. Loss or damage arising directly from lightning, directly or indirectly from fire, the extinguishment of a fire, or clearance of debris and dismantling necessitated thereby, chemical explosion (except flue gas explosion in boilers), smoke, soot, aggressive substances, theft, subsidence, landslide, rock slide, cyclone, storm, typhoon, flood, inundation, earthquake, volcanic eruption, tsunami, impact of land-borne, waterborne or airborne craft;<br />\nd. Loss or damage directly or indirectly caused by or arising out of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, riot, strike, lock-out, civil commotion, military or usurped power, a group of malicious persons or persons acting on behalf of or in connection with any political organization, conspiracy, confiscation, commandeering, requisition or destruction of or damage by order of any government de jure or de facto or by any public authority, nuclear reaction, nuclear radiation or radioactive contamination;<br />\ne. Loss or damage caused by any faults or defects existing at the time of commencement of the present insurance within the knowledge of the Insured, or his representatives, whether such faults or defects were known to the Insurers or not;<br />\nf. Loss or damage arising out of the willful act or gross negligence of the Insured or of his representatives;<br />\ng. Loss or damage for which the supplier or manufacturer is responsible either by law or under contract;<br />\nh. Loss or damage as a direct consequence of the continual influence of operation (e.g. wear and tear, cavitation, erosion, corrosion, rust, boiler scale);<br />\ni. Consequential loss or liability of any kind or description, any payments over and above the indemnity for material damage as provided herein.&nbsp;<br />\nIn any action, suit or other proceeding where the Insurers allege that by reason of the provisions of Exclusions (d) - (g) above any loss, destruction, damage or liability is not covered by this insurance the burden of proving that such loss, destruction, damage or liability is covered shall be upon the Insured.</p>\n\n<p>PROVISIONS<br />\nSUM INSURED:<br />\nIt is a requirement of this insurance that the sum insured shall be equal to the cost of replacement of the insured machinery by new machinery of the same kind and same capacity, which shall mean its replacement costs including, e.g. freight, dues and customs duties, if any, and erection costs.<br />\nIf the sum insured is less than the amount required to be insured, the Insurers will pay only in such proportion as the sum insured bears to the amount required to be insured. Every item if more than one shall be subject to this condition separately.</p>\n\n<p>BASIS OF INDEMNITY:<br />\na. In cases where damage to an insured item can be repaired - the Insurers will pay expenses necessarily incurred to restore the damaged machine to its former state of serviceability plus the cost of dismantling and re-erection incurred for the purpose of effecting the repairs as well as ordinary freight to and from a repair shop, customs duties and dues, if any, to the extent such expenses have been included in the sum insured. If the repairs are executed at the workshop owned by the Insured, the Insurers will pay the cost of the materials and wages incurred for the purpose of the repairs plus a reasonable percentage to cover overhead charges.<br />\nNo deduction shall be made for depreciation in respect of parts replaced, but the value of any salvage will be taken into account.<br />\nIf the cost of repairs as detailed hereinabove equals or exceeds the actual value of the machinery insured immediately before the occurrence of the damage, the settlement shall be made on the basis provided for in (b) below.<br />\nb. In cases where an insured item is destroyed - the Insurers will pay the actual value of the item immediately before the occurrence of the loss, including costs for ordinary freight, erection and customs duties, if any, provided such expenses have been included in the sum insured, such actual value to be calculated by deducting proper depreciation from the replacement value of the items. The Insurers will also pay any normal charges for the dismounting of the machinery destroyed, but the salvage will be taken into account.</p>\n\n<p>Any extra charges incurred for overtime, night-work, work on public holidays, express freight, are covered by this insurance only if especially agreed in writing.<br />\nThe cost of any alterations, additions, improvements or overhauls shall not be recoverable under this policy.<br />\nThe costs of any provisional repairs will be borne by the Insurers if such repairs constitute part of the final repairs, and do not increase the total repair expenses.<br />\nThe Insurers will make payments only after being satisfied by production of the necessary bills and documents that the repairs have been effected or replacement has taken place, as the case may be.</p>\n\n<p>INSPECTION OF TURBINES, TURBO GENERATORS AND BOILERS:<br />\nAll mechanical and electrical parts of any steam-turbine, gas turbine or turbo generator set, up to 30,000 KW shall be inspected and overhauled thoroughly in a completely opened up state at least every two years; for turbines or turbo generators exceeding 30,000 KW such inspection and overhaul shall take place after 20,000 hours of operation or at least every three years. All boilers shall be inspected annually. The Insured shall arrange for these regular inspections in such a way as to enable the Insurers&#39; representatives to be present at the inspection at their own expense. The Insurers shall be notified at least seven days in advance of the commencement of any overhauling necessary according to expert opinion.<br />\nIf the Insured fails to comply with the requirements of this condition, the Insurers shall be free from all liability for loss or damage caused by any circumstances which could have been detected had an inspection taken place in the presence of the Insurers&#39; representatives.<br />\nThe Insured may apply for an extension of the period between any two regular inspections, and such extension shall be granted if in the opinion of the Insurers the risk is not aggravated hereby.</p>\n\n<p>CONDITIONS<br />\n1. The due observance and fulfillment of the terms of this policy in so far as they relate to anything to be done or complied with by the Insured shall be<br />\na condition precedent to any liability of the Insurers.<br />\n2. The Insured shall at his own expense take all reasonable precautions to prevent loss, damage or liability and to comply with statutory and manufacturer&#39;s recommendations.<br />\n3. a) Representatives of the Insurers shall at all reasonable times have the right to inspect and examine the plant and the Insured shall provide the representatives of the Insurers with all details and information necessary for the assessment of the risk.<br />\nb) The Insured shall immediately notify the Insurers in writing of any material change in the risk and cause such additional precautions to be taken as circumstances may require to ensure safe operation of the insured machinery, and the scope of cover shall if necessary be adjusted accordingly.</p>\n\n<p>No material alteration shall be made or admitted by the Insured whereby the risk of damage is increased, unless the continuance of the Insurance be confirmed by memorandum signed by or on behalf of the Insurers.</p>\n\n<p>4. In the event of any occurrence which might give rise to a claim under this Policy the Insured shall:<br />\na) immediately notify the Insurers by telephone or telegram as well as in writing, giving an indication as to the nature and extent of loss or damage;<br />\nb) take all reasonable steps within his power to minimize the extent of the loss or damage;<br />\nc) preserve the damaged or defective parts and make them available for inspection by an official or surveyor of the Insurers;<br />\nd) furnish all such information and documentary evidence as the Insurers may require.</p>\n\n<p>The Insurers shall not be liable for any loss or damage of which no notice has been received by the Insurers within 30 days of its occurrence. Upon notification of a claim being given to the Insurers, the Insured may proceed with the repair of any minor damage provided that the carrying out of such repair is without prejudice to any question of liability of the Insurers and that any damaged part requiring replacement is kept for inspection by the Insurers, but in all other cases a representative of the Insurers shall have the opportunity of inspecting the damage before any alterations, repairs or replacements are effected. If an inspection by a representative of the Insurers does not take place within a period of 14 days from the date of the notification of the claim, the Insured shall be entitled to proceed with the repairs or replacement. Nothing contained herein shall prevent the Insured from taking such<br />\nsteps as are absolutely necessary to maintain the operation of the plant.<br />\nThe liability of the Insurers under this Policy in respect of any item of property that sustained damage, for which indemnity is provided, shall cease if the said item is kept in operation without being repaired to the satisfaction of the Insurers.<br />\nThe amount of any loss or damage for which an Insurer maybe liable, under this Policy, shall be paid within 30 days after proof of loss is received by the Insurer and ascertainment of the loss or damage is made either by agreement between the Insured and Insurer or by arbitration, but if such ascertainment is not had or made within 60 days after such receipt by the Insurer of the proof of loss, then the loss or damage shall be paid within 90 days after such receipt. Refusal or failure to pay the loss or damage within the time prescribed herein will entitle the assured to collect interest on the proceeds of the policy for the duration of the delay at the rate of twice the ceiling prescribed by the Monetary Board, unless such failure or refusal to pay is based on the ground that the claim is fraudulent.</p>\n\n<p>5. If the proposal or declaration of the Insured is not true in any material respect, or if a claim is in any respect fraudulent, or if any false declaration is made or used in support thereof, or if any fraudulent means or devices are used by the Insured or anyone acting on his behalf to obtain any benefit under this Policy, or if a claim be made and rejected and an action or suit be not commenced either in the Insurance Commission or any court of competent jurisdiction within twelve (12) months from receipt of notice of such &nbsp;rejection, or in case of arbitration taking place as provided herein, within twelve (12) months after due notice of the award made by the arbitrator or arbitrators or umpire, then the claim shall for all purpose be deemed to have been abandoned and shall not thereafter be recoverable hereunder.</p>\n\n<p>6. The Insured shall at the expense of the Insurers do and concur and in doing and permit to be done, all such acts and things as may be necessary or required by the Insurers in the interest of any right of remedies, or of obtaining relief or indemnity from parties (other than those insured under this Policy) to which the Insurers shall be or would become entitled or subrogated upon their paying for or making good of any loss or damage under this Policy, whether such acts and things shall be or become necessary or required before or after the Insured&#39;s indemnification by the Insurers.</p>\n\n<p>7. No admission, offer, promise, payment or indemnity shall be made or given by or on behalf of the Insured without the written consent of the Insurers who shall be entitled if they so desire to take over and conduct in the name of the Insured the defense or settlement of any claim for indemnity or damage or otherwise and shall have full discretion in the conduct of any proceedings or in the settlement of any claim and the Insured shall give all such information and assistance as the Insurers may require.</p>\n\n<p>8. This insurance may be terminated at the request of the Insured at any time. This insurance may equally be terminated at the option of the Insurers by seven days&#39; notice to that effect being given to the Insured.<br />\nHowever, no notice of cancellation shall be effective unless it is based on the occurrence, after the effective date of the policy, of one or more of the following:<br />\na. conviction of a crime arising out of acts increasing the hazard insured against;<br />\nb. discovery of fraud or material misrepresentation;<br />\nc. discovery of willful or reckless acts or omissions increasing the hazard insured against;<br />\nd. physical changes in the property insured which result in the property becoming uninsurable; or<br />\ne. a determination by the Commissioner that the continuation of the policy would violate or would place the Insurer in violation of this Code.</p>\n\n<p>All notices of cancellation shall be in writing, mailed or delivered to the named Insured at the address shown in the policy, and shall state (a) which of the grounds set forth above is relied upon and (b) that, upon written request of the named Insured the Insurer will furnish the facts on which the cancellation is based.</p>\n\n<p>Unless the Insurer at least forty-five (45) days in advance of the end of the policy period mails or delivers to the named Insured at the address shown in the policy notice of its intention not to renew the policy or to condition its renewal upon reduction of limits or elimination of coverage, the named Insured shall be entitled to renew the policy upon payment of the premium due on the effective date of the renewal. Any policy written for a term of less than one year shall be considered as if written for a term of one year. Any policy written for a term longer than one year or any policy with no fixed expiration date shall be considered as if written for successive policy periods or terms of one year.</p>\n\n<p>9. All differences as to the amount of any loss or damage covered by this Policy shall be referred to the decision of an arbitrator to be appointed by the parties in difference or if they cannot agree upon a single arbitrator to the decision of two arbitrators one to be appointed in writing by each of the parties within thirty (30) days after having been required in writing so to do by either of the parties or in case of disagreement between the arbitrators to the decision of an umpire to be appointed in writing by the arbitrators before entering on the reference and an award by the arbitrator or arbitrators or umpire shall be a condition precedent to any right of action against the company.<br />\n10. If at the time any claim arises under this Policy there be any other insurance covering the same loss or damage the Insurers shall not be liable to pay or contribute more than their ratable proportion on any claim for such loss or damage. If such other insurance is subject to any condition of advantage to the Insurers this Policy shall be subject to such conditions in a like manner.</p>\n<gdiv></gdiv>', '', 323, '', '2021-02-09 09:08:48', '2021-02-09 09:19:20', 194, 194),
(981, '1,4', 'COM-INF-DIS-EXC-CLA', 'COMMUNICABLE / INFECTIOUS DISEASE EXCLUSION CLAUSE', '<p>1. Notwithstanding any provision to the contrary within this policy, this policy does not insure or excludes any loss, damage, liability, claim, cost or expense or any other sum of whatsoever nature, whether directly or indirectly caused by, contributed to by, resulting from, arising out of, or in connection 24 with a Communicable/Infectious Disease or the fear or threat (whether actual or perceived) of a Communicable/Infectious Disease regardless of any other cause or event contributing concurrently or in any other sequence thereto.<br />\nFor the purposes of this endorsement, loss, damage, claim, cost, expense or other sum, includes, but is not limited to, any cost to clean-up, detoxify, remove, monitor or test:<br />\n&nbsp;1.1. for a Communicable/Infectious Disease or<br />\n&nbsp;1.2. any property insured hereunder that is affected by such Communicable/Infectious Disease.<br />\n2. As used herein, a Communicable/Infectious Disease means any disease which can be transmitted by means of any substance or agent from any organism to another organism where:<br />\n2.1.the substance or agent includes, but is not limited to, a virus, bacterium, parasite or other organism or any variation thereof, whether deemed living or not, and<br />\n2.2.the method of transmission, whether direct or indirect, includes but is not limited to, airborne transmission, bodily fluid, transmission from or to any surface or object, solid, liquid or gas or between organisms, and&nbsp;<br />\n2.3. the disease, substance or agent can cause or threaten damage to human health or human welfare or can cause or threaten damage to, loss of value of, marketability of or loss of use of property.<br />\n3. This endorsement applies to all coverage extensions, additional coverages, exceptions to any exclusion and other coverage grant(s). All conditions and exclusions of the policy remain the same.</p>\n', '', 962, '', '2021-02-11 11:45:31', '2021-09-30 14:16:21', 194, 194),
(982, '1', 'CON-WOR-CLA', 'CONTRACT WORKS CLAUSE', '<p>It is understood and agreed that this insurance automatically includes the coverage for new constructions at any of the Insureds sites, any additions, alterations and repairs, plus installation of new plant &amp; equipment including testing and commissioning. When required by contract this policy will also include the interests of any contractor or sub-contractor as joint insureds under the policy, but only to the extent of the works being carried out that are the subject of this clause.</p>\n', '', 828, '', '2021-03-01 11:59:33', '2021-03-01 11:59:33', 194, 194),
(983, '1', 'PRO-APR', 'PROPERTY APPRAISAL FEE', '<p>It is hereby declared and agreed that the Insured shall be entitled to the payment of a Property Appraisal Fee under this Policy. This is subject to reimbursement of the actual costs involved up to a maximum limit as set out in the Schedule.</p>\n', '', 728, '', '2021-03-01 12:04:26', '2021-03-01 12:04:26', 194, 194),
(985, '1', 'COM-CHA-PRO', 'Community and Charitable Projects', '<p>For the sake of clarity it is hereby agreed and confirmed that it is the intention of this policy to also include coverage in respect of any community or charitable projects undertaken by the Insured or other organizations associated with the Insured and intended to be covered by this policy.</p>\n', '', 848, '', '2021-03-01 13:29:20', '2021-03-01 13:29:20', 194, 194),
(987, '1', 'INF-DIS-COV-EXCL', 'INFECTIOUS DISEASE / COVID-19 EXCLUSION ', '<p>1. This policy, subject to all applicable terms, conditions and exclusions, covers losses attributable to direct physical loss or physical damage occurring during the period of insurance. Consequently and notwithstanding any<br />\nother provision of this policy to the contrary, this policy does not insure any loss, damage, claim, cost, expense or other sum, directly or indirectly arising out of, attributable to, or occurring concurrently or in any sequence with a<br />\nCommunicable Disease or the fear or threat (whether actual or perceived) of a Communicable Disease.&nbsp;<br />\n2. For the purposes of this endorsement, loss, damage, claim, cost, expense or other sum, includes, but is not limited to, any cost to clean-up, detoxify, remove, monitor or test:<br />\n2.1. for a Communicable Disease, or<br />\n2.2. any property insured hereunder that is affected by such Communicable Disease.<br />\n3. As used herein, a Communicable Disease means any disease which can be transmitted by means of any substance or agent from any organism to another organism where:<br />\n3.1. the substance or agent includes, but is not limited to, a virus, bacterium, parasite or other organism or any variation thereof, whether deemed living or not, and<br />\n3.2. the method of transmission, whether direct or indirect, includes but is not limited to, airborne transmission, bodily fluid transmission, transmission from or to any surface or object, solid, liquid or gas or between organisms,<br />\nand<br />\n3.3. the disease, substance or agent can cause or threaten damage to human health or human welfare or can cause or threaten damage to, deterioration of, loss of value of, marketability of or loss of use of property insured<br />\nhereunder.<br />\n4. This endorsement applies to all coverage extensions, additional coverages, exceptions to any exclusion and other coverage grant(s).<br />\nAll other terms, conditions and exclusions of the policy remain the same.<br />\nLMA5393<br />\n25 March 2020</p>\n', '', 969, '', '2021-03-06 11:19:17', '2021-03-06 11:19:17', 194, 194);
INSERT INTO `mstwarrantclause` (`code`, `line_mst_code`, `short_name`, `warrant_title`, `warrant_text`, `default_peril_mst_codes`, `print_order`, `remarks`, `created_at`, `updated_at`, `created_user_mst_code`, `updated_user_mst_code`) VALUES
(988, '4', 'MICRO-POL', 'MICROINSURANCE POLICY', '<p style="text-align:center"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p style="text-align:center"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p style="text-align:center"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">POLICY PROVISIONS</span></strong></p>\r\n\r\n<p><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">BENEFITS.</span></strong><span style="font-family:arial,sans-serif; font-size:10.0pt"> Subject to all conditions and provisions, Alliedbankers Insurance Corporation will pay the benefits in accordance with the Policy Schedule under this Policy, upon receipt and approval of due proof of claims. </span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">BENEFICIARY/IES.</span></strong><span style="font-family:arial,sans-serif; font-size:10.0pt"> </span><span style="font-family:arial,sans-serif; font-size:10.0pt">The Beneficiary/ies is/are the person designated to receive the proceeds of this Policy upon the death of the Participant, unless otherwise changed and provided that they are not disqualified under the law.</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">DEFINITION OF TERMS</span></strong><span style="font-family:arial,sans-serif; font-size:10.0pt">.</span></p>\r\n\r\n<p style="text-align:justify">a. &nbsp; Accident shall mean a sudden unforeseen and fortuitous event.</p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">b. &nbsp; </span><span style="font-family:arial,sans-serif; font-size:10.0pt">Bodily Injury shall mean injury resulting from an Accident caused by external, violent, and visible means.</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">c.&nbsp;&nbsp; </span><span style="font-family:arial,sans-serif; font-size:10.0pt">Accidental Death refers to loss of life or death resulting directly from accidental bodily injuries.</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">NOTICE AND PROOF OF CLAIM</span></strong></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Notice of claim must be submitted within thirty (30) days after the loss and proof of claim within ninety (90) days after the loss except when it can be shown that failure to submit the notice and proof within such time is due to valid reasons. <span style="color:black">In the event of accidental death, immediate notice must be given to </span>Alliedbankers Insurance Corporation<span style="color:black">.</span></span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">EFFECTIVITY OF INDIVIDUAL COVERAGE</span></strong></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">The Individual Coverage becomes effective only when the insured is alive and in good health on the date of payment of the initial premium. The term &ldquo;Participant&rdquo; shall be used to refer to any person who is eligible for insurance and covered under this Policy. The term of coverage will expire one (1) year from the effective date.</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">CERTIFICATE OF INDIVIDUAL INSURANCE</span></strong></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Alliedbankers Insurance Corporation shall issue to the Policyholder for delivery to each Participant an individual certificate setting forth a statement as to the insurance protection to which he/she is entitled, to whom the insurance benefits are payable, and the rights set forth in paragraphs (h), (i) and (j) under Section 234 of the Insurance Code. In case of any inconsistency between such certificate and this Policy, the content of this Policy shall prevail.</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">AVAILABILITY OF GROUP MASTER POLICY</span></strong></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">The Group Policy should be kept in the main premises of and in the custody of an officer of the Policyholder and must be available to the Participant for inspection at any reasonable time.</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">PAYMENT OF PREMIUMS</span></strong></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">All premiums are payable by the Policyholder within thirty (30) days from the inception date of the policy at the duly designated offices or authorized representatives. Alliedbankers Insurance Corporation will not accept premium payments directly from any Participant.</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">RENEWAL CLAUSE</span></strong></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Alliedbankers Insurance Corporation shall send non-renewal notice to the Policyholder at least forty-five (45) calendar days prior to expiration of the policy otherwise Alliedbankers Insurance Corporation shall renew the policy upon payment of premium. In case the renewal premium is not paid, the insurance coverage is terminated.</span></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">TERMINATION OF GROUP MASTER POLICY</span></strong><span style="font-family:arial,sans-serif; font-size:10.0pt">. </span><span style="font-family:arial,sans-serif; font-size:10.0pt">This Policy shall terminate on the earliest of the following:</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">a. &nbsp; Date of receipt of a written notice from Policyholder to terminate this Policy; or </span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">b. &nbsp; Date of Alliedbankers Insurance Corporation written notice of termination to the Policyholder when the number of the Participants falls below the required minimum number of lives.</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">It is the obligation of the group policyholder to inform the insured-members forty-five (45) days in advance of the intended termination of the group policy by the insurer or by the policyholder.</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">TERMINATION OF INDIVIDUAL INSURANCE</span></strong><span style="font-family:arial,sans-serif; font-size:10.0pt">. </span><span style="font-family:arial,sans-serif; font-size:10.0pt">The insurance of any Participant shall terminate on the earliest of the following:</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">a. &nbsp;&nbsp; When the insured reach the first day of the exit age;</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">b. &nbsp;&nbsp; When the amount of benefit is fully utilized;</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">c. &nbsp;&nbsp; When the insured fail to pay the required premium;</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">d.&nbsp;&nbsp;&nbsp; When conviction of a crime arising out of acts increasing the hazard insured against</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">e. &nbsp;&nbsp; Discovery of fraud or material misrepresentations</span></p>\r\n\r\n<p style="text-align:justify">f. &nbsp;&nbsp;&nbsp; Discovery of willful or reckless acts or omission increasing the hazard insured against;</p>\r\n\r\n<p style="text-align:justify">g.&nbsp;&nbsp; A determination by the Commission that the construction of the policy would violate or would place the insured in violation of this Code.</p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Any certificate in effect when the group policy is cancelled, non-renewed or otherwise terminated shall continue to be in effect for the period of coverage specified in the certificate.</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">TERMINATION CLAUSE</span></strong></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">NOTWITHSTANDING anything contained in this Insurance to the contrary this Insurance may be cancelled by the Insured at any time by written notice or by surrendering of this Contract of Insurance. This Insurance may also be cancelled by or on behalf of the Underwriters by delivering to the Insured or by mailing to the Insured, by registered, certified or other first class mail, at the Insured&#39;s address as shown in this Insurance, written notice stating when, not less than {Response} days thereafter, the cancellation shall be effective. The mailing of notice as aforesaid shall be sufficient proof of notice and this Insurance shall terminate at the date and hour specified in such notice.</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">MISDESCRIPTION CLAUSE</span></strong></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">It is understood that this insurance shall not be prejudiced by any alteration or mis-description of occupancy provided the Insured shall notify the company immediately them become aware of the same and to pay additional premium if required the date of the inception of the increased hazard.</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">FREE LOOK PERIOD</span></strong></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">If the Insured Person changed his/her mind or are not completely satisfied with the terms and conditions of the Master Policy, the Insured Person may cancel the Certificate of Insurance by calling if the Certificate of Insurance has not been issued yet. The Insured Person may also cancel the Certificate of Insurance after the Certificate of Insurance has been issued through a written notice of cancellation:</span></p>\r\n\r\n<p><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p><span style="font-family:arial,sans-serif; font-size:10.0pt">Within the Free-Look Period of five (5) calendar days from the received date of the Certificate of Insurance. Upon cancellation, the Insured Person is entitled to the refund of the full Premium paid, provided that no claim has been made during the Master Policy period.</span></p>\r\n\r\n<p><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">EXCLUSIONS</span></strong><span style="font-family:arial,sans-serif; font-size:10.0pt">. The personal accident insurance shall not cover death caused directly or indirectly, wholly or partly by:</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<ol style="list-style-type:lower-alpha">\r\n	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss caused directly or indirectly, wholly or partially by:</span></li>\r\n</ol>\r\n\r\n<ol>\r\n	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Bacterial infection (except pyogenic infections which shall occur through an accidental cut or wounds); or infections caused by parasites or any pandemic, epidemic diseases such as but not limited to SARS, H1N1, COVID-19 or any mutation thereof;</span></li>\r\n	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Medical or Surgical Treatment (except such as may be necessary solely by reason of injuries covered by this policy and performed within the time provided in the policy;</span></li>\r\n	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Miscarriage or pregnancy.</span></li>\r\n</ol>\r\n\r\n<ol start="2" style="list-style-type:lower-alpha">\r\n	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Suicide or any attempt thereof (sane or insane).</span></li>\r\n	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Murder of assault or any attempt thereof;</span></li>\r\n	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss occasioned by war, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not) mutiny, strikes, riots, civil commotions, civil war, rebellion, revolution, conspiracy, military or usurped power, marital law, or state of siege, seizure, quarantine or customs regulations or nationalization by or under the order of any government or public or local authority. The exclusion shall not be affected by any endorsement which does not specifically refer to it, in whole or in part. The application of the exclusion referring to material law or state of siege or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege is hereby waived for any territorial jurisdiction of the Republic of the Philippines.</span></li>\r\n	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Nuclear radiation or radioactive contamination.</span></li>\r\n	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Injury sustained while participating in professional athletics or any organized and scheduled amateur physical contact sport.</span></li>\r\n	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Injury sustained while engaging in mountaineering requiring the use of ropes or guides, skin diving employing the use of compressed or cylinder, racing on wheels or horseback, skydiving from a device for serial navigation , hang gliding;</span></li>\r\n	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Cave-in of mines;</span></li>\r\n	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Occupation not acceptable and under prohibited risks as defined by the Company.</span></li>\r\n</ol>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">MURDER AND ASSUALT EXCLUSION CLAUSE</span></strong><span style="font-family:arial,sans-serif; font-size:10.0pt">. It is further declared and agreed that there shall be no recovery under this policy if murder and assault or any attempt there at shall occur in any of the following places: </span></p>\r\n\r\n<ol style="list-style-type:lower-alpha">\r\n	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Lanao del Norte</span></li>\r\n	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">South Cotabato</span></li>\r\n	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">North Cotabato</span></li>\r\n	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Zamboanga del Norte</span></li>\r\n	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Zamboanga del Sur</span></li>\r\n	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Sulu Archipelago</span></li>\r\n	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Sultan Kudarat</span></li>\r\n	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Lanao del Sur</span></li>\r\n	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Maguindanao</span></li>\r\n	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Basilan</span></li>\r\n	<li style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Jolo</span></li>\r\n</ol>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">CLAIM SETTLEMENT</span></strong></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Claims under this Policy shall be settled within ten (10) working days upon receipt of complete documents.</span></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">LIMITATION OF COMPLAINTS</span></strong></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Any complaint or grievance on the Group Master Policy must be filed with the proper authorities within one (1) year from the time of rejection or denial of the claim. The venue for filing of complaints and grievances on the Group Master Policy must not be limited to the place of issue of contract.</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">DISPUTE RESOLUTION</span></strong><span style="font-family:arial,sans-serif; font-size:10.0pt">.</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">All disputes arising in connection with this Policy shall be initially settled through alternative dispute resolution mechanism.</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:center"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:center"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">SHORT PERIOD RATE SCALE</span></strong></p>\r\n\r\n<p><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p><span style="font-family:arial,sans-serif; font-size:10.0pt">It is hereby agreed in the event this Policy is surrendered by the Policyholder/Participant for cancellation, Alliedbankers Insurance Corporation shall retain a premium in accordance with the following scale for the time the Policy has been in force.</span></p>\r\n\r\n<table align="center" border="1" cellpadding="1" cellspacing="1" style="width:500px">\r\n	<tbody>\r\n		<tr>\r\n			<td>\r\n				No of Month/s\r\n			</td>\r\n			<td>\r\n				1\r\n			</td>\r\n			<td>\r\n				2\r\n			</td>\r\n			<td>\r\n				3\r\n			</td>\r\n			<td>\r\n				4\r\n			</td>\r\n			<td>\r\n				5\r\n			</td>\r\n			<td>\r\n				6\r\n			</td>\r\n			<td>\r\n				7\r\n			</td>\r\n			<td>\r\n				8\r\n			</td>\r\n			<td>\r\n				9\r\n			</td>\r\n			<td>\r\n				10\r\n			</td>\r\n			<td>\r\n				11\r\n			</td>\r\n		</tr>\r\n		<tr>\r\n			<td>\r\n				%\r\n			</td>\r\n			<td>\r\n				40\r\n			</td>\r\n			<td>\r\n				40\r\n			</td>\r\n			<td>\r\n				50\r\n			</td>\r\n			<td>\r\n				60\r\n			</td>\r\n			<td>\r\n				70\r\n			</td>\r\n			<td>\r\n				75\r\n			</td>\r\n			<td>\r\n				100\r\n			</td>\r\n			<td>\r\n				100\r\n			</td>\r\n			<td>\r\n				100\r\n			</td>\r\n			<td>\r\n				100\r\n			</td>\r\n			<td>\r\n				100\r\n			</td>\r\n		</tr>\r\n	</tbody>\r\n</table>\r\n\r\n<p>\r\n	&nbsp;\r\n</p>\r\n\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">This endorsement/warranty/clause is effective ___________________</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Attached to and forming part of Policy No. _______________</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Place Issued:&nbsp; ____________&nbsp;&nbsp;&nbsp;&nbsp; Date Issued: ______________</span></p>\r\n\r\n<p style="text-align:center"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p style="text-align:center"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">OPTIONAL ENDORSEMENTS UNDER THE GROUP PERSONAL ACCIDENT MICROINSURANCE</span></strong></p>\r\n\r\n<p style="text-align:center"><em><span style="font-family:arial,sans-serif; font-size:10.0pt">These Endorsements, Warranties and Clauses are applicable only when stated in the Policy Schedule. </span></em></p>\r\n\r\n<p><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<ol>\r\n	<li><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">PERMANENT DISABLEMENT &amp; DISMEMBERMENT ENDORSEMENT</span></strong></li>\r\n</ol>\r\n\r\n<p><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Alliedbankers Insurance Corporation shall pay the Insured the amount stated in the Table of Benefits (Permanent Disablement &amp; Dismemberment) in the event of accidental bodily injury sustained during the period of insurance, resulting in permanent disablement and/or dismemberment.</span></p>\r\n\r\n<p style="text-align:justify"><em><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></em></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">DEFINITIONS</span></strong></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">Permanent Disablement</span></strong><span style="font-family:arial,sans-serif; font-size:10.0pt"> as used in this endorsement shall mean that the Insured is totally and permanently disabled and prevented by reason of bodily injury, from engaging in each and every occupation or employment for compensation or profit for which he is reasonably qualified by reason of his education, training or experience, provided such disability is diagnosed by a legally qualified physician or surgeon as total, continuous, permanent and beyond reasonable hope of improvement.</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">Dismemberment </span></strong><span style="font-family:arial,sans-serif; font-size:10.0pt">as used in this endorsement shall mean loss of bodily appendage (limb, hand, finger, arm, foot or sight), as result of an accident.</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:center"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">TABLE OF BENEFITS (PERMANENT DISABLEMENT &amp; DISMEMBERMENT)</span></strong></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">Description of Disablement&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Percentage of the Capital Sum</span></strong></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of two limbs&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100%</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of both hands, or all fingers and both thumbs&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100%</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of both feet&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100%</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of one hand and one foot&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100%</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of sight of both eyes&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;100%</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Any other injury causing permanent total disablement&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1% per month up to 100 months</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of arm at or above elbow&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;70%</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of arm between elbow and wrist&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;50%</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of hand&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;50%</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of four fingers and thumb of one hand&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;50%</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of four fingers&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;35%</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of leg at or above knee&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;60%</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of leg elbow knee&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;50%</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of one foot&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;50%</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of toes-all of one foot&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;25% </span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of thumb&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15%</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of index finger&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10%</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of sight of one eye&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;50%</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of speech&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;50%</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Loss of hearing-both ears&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;50%</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">One ear&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;25%</span></p>\r\n\r\n<p style="text-align:center"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Any sum short of 100% which may be paid under the Table of Benefits shall be accounted in diminution of the Sum Insured, so that in case of supervening death directly and necessarily resulting from one and the same bodily injury, the total amount payable by the Company for all claims under the Table of Benefits shall not exceed the amount specified in the Permanent Disablement &amp; Dismemberment benefit in any policy year. The payment of all benefits under the Permanent Disablement &amp; Dismemberment that equal the sum insured shall terminate the benefits under Permanent Disablement &amp; Dismemberment.</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p><strong><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p><strong><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p><strong><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p style="text-align:justify"><strong><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">TERMINATION</span></strong></p>\r\n\r\n<p style="text-align:justify"><strong><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p style="text-align:justify"><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">This contract shall terminate only in the event of accidental death as provided herein or upon expiry. </span></p>\r\n\r\n<p style="text-align:justify"><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">In any policy year, the aggregate&nbsp;benefits payable under this contract in respect of any one accident resulting in loss or losses within 180 days from date of accident shall not exceed the principal sum (e.g. loss of life, loss of two limbs, loss of both hands, loss of both feet, loss of all fingers and both thumbs, loss of sight of both eyes and loss of hearing in both ears).</span></p>\r\n\r\n<p style="text-align:justify"><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">In any policy year, the aggregate benefits payable under the Permanent Disablement &amp; Dismemberment of this contract in respect of one or more accident(s) resulting in loss or losses within 180 days from date of accident(s) shall not exceed the principal sum. For subsequent accident(s) resulting in any loss or losses, the&nbsp;amount(s) payable under the Permanent Disablement &amp; Dismemberment shall be the principal sum less the amount(s) paid for such loss or losses, and shall not terminate the contract in so far as the accidental&nbsp;death benefit is concerned.</span></p>\r\n\r\n<p style="text-align:justify"><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">In any policy year, the amount of benefit for loss of life, arising from independent/unrelated accident/event shall always be the principal sum.</span></p>\r\n\r\n<p style="text-align:justify"><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><span style="color:black; font-family:arial,sans-serif; font-size:10.0pt">Any partial benefit already paid for any loss or losses shall not be carried over in the subsequent policy year. The amount of benefits to be paid in the succeeding policy year shall not be reduced by any amount paid in the preceding policy year.</span></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<ol start="2">\r\n	<li style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">EDUCATIONAL ASSISTANCE ENDORSEMENT</span></strong></li>\r\n</ol>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p><span style="font-family:arial,sans-serif; font-size:10.0pt">Alliedbankers Insurance Corporation</span><span style="font-family:arial,sans-serif; font-size:10.0pt">shall provide financial assistance to the beneficiary of the Insured for educational expenses, to enable the children who are still studying to pursue their studies, up to the amount stated in the Schedule of Cover, in the event of accidental death of the Insured during the period of insurance.</span></p>\r\n\r\n<p><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<ol start="2">\r\n	<li><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">HOSPITAL INCOME BENEFIT</span></strong></li>\r\n</ol>\r\n\r\n<p><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">Alliedbankers Insurance Corporationshall provides the insured daily cash assistance for each day of confinement up to a maximum amount and number of days specified in the Schedule due to accidents or sickness occurring within the period of insurance.</span></p>\r\n\r\n<p><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<ol start="2">\r\n	<li><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">MEDICAL EXPENSEREIMBURSEMENT</span></strong></li>\r\n</ol>\r\n\r\n<p><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></strong></p>\r\n\r\n<p style="text-align:justify"><strong><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;&nbsp;&nbsp;&nbsp; </span></strong><span style="font-family:arial,sans-serif; font-size:10.0pt">Where by reason of injury, the insured shall require treatment by a legally qualified physician or surgeon, confinement in a hospital or the employment of a licensed or graduate nurse, the company will pay the actual expense incurred within fifty two weeks from the date of accident for such treatment, hospital charges and nurse fees, which is in excess of the deductible amount&nbsp; (if any) stated in the schedule as a result of one accident.</span></p>\r\n\r\n<p><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<ol start="2">\r\n	<li><strong>BURIAL EXPENSE BENEFIT</strong></li>\r\n</ol>\r\n\r\n<p>&nbsp;</p>\r\n\r\n<p style="text-align:justify">&nbsp;&nbsp;&nbsp;&nbsp; When injury results in the death of an insured person within 180 days after the accident,Alliedbankers Insurance Corporation shall pay burial expenses incurred up to the limit state in the Schedule of Cover.</p>\r\n\r\n<p>&nbsp;</p>\r\n\r\n<p>&nbsp;</p>\r\n\r\n<ol start="2">\r\n	<li><strong>MOTORCYCLING </strong></li>\r\n</ol>\r\n\r\n<p><strong>&nbsp;</strong></p>\r\n\r\n<p>When injury results in the accidental death of an insured person within the period of insurance while riding a motorcycle&nbsp; the company will pay the actual amount of expenses incurred.EXCEPT while such vehicle is being used for any race, speed test or exhibition or when the Insured is under the influence of liquor, narcotics or prohibited drugs.</p>\r\n\r\n<p><strong>&nbsp;</strong></p>\r\n\r\n<p>This Rider shall not provide benefits for the following persons: Detectives, Secret Service Personnel, Miners, Underground Workers, and Explosive Makers.</p>\r\n\r\n<p><strong>&nbsp;</strong></p>\r\n\r\n<p>&nbsp;</p>\r\n\r\n<ol start="2">\r\n	<li><strong>FIRE INSURANCE SUBSIDY</strong></li>\r\n</ol>\r\n\r\n<p><strong>&nbsp;</strong></p>\r\n\r\n<p>Where by reason of fire and/or any catastrophic event such as earthquake, typhoon, flood including but not limited to manmade calamities as a result of riot strike and malicious damage, extended coverage (smoke, explosion, aircraft, vessel)&nbsp; the insured sustained loss and/or damage within the period of insurance of the designated dwelling occupied principally as private residence including but not limited to household contents, the company will pay the amount equivalent as a form of subsidy.</p>\r\n\r\n<p style="text-align:justify"><strong>&nbsp;</strong></p>\r\n\r\n<p><strong>&nbsp;</strong></p>\r\n\r\n<ol start="2">\r\n	<li><strong>ANIMAL OR INSECT BITE</strong></li>\r\n</ol>\r\n\r\n<p><strong>&nbsp;</strong></p>\r\n\r\n<p>Where by reason the Insured sustain an injury due to animal or insect bite (excluding mosquito bite) during the period of insurance the company will pay the actual amount of expenses incurred.</p>\r\n\r\n<p><strong>&nbsp;</strong></p>\r\n\r\n<p><strong>&nbsp;</strong></p>\r\n\r\n<ol start="2">\r\n	<li><strong>DROWNINGORSUFFOCATIONBY SMOKE, POISONOUS FUMESOR GAS</strong></li>\r\n</ol>\r\n\r\n<p><strong>&nbsp;</strong></p>\r\n\r\n<p>When the injury results in the accidental death, permanent disablement or accidental injury of an insured person within the period of insurance caused by drowning or inhalation of smoke, poisonous fumes or gas, the company will pay the actual amount of expenses incurred.</p>\r\n\r\n<p>&nbsp;</p>\r\n\r\n<p>&nbsp;</p>\r\n\r\n<ol start="2">\r\n	<li><strong>MOBILITY AID AND AMBULANCE SERVICE</strong></li>\r\n</ol>\r\n\r\n<p><strong>&nbsp;</strong></p>\r\n\r\n<p>Where by reason of Accidental Injury within the period of insurance in which the Insured requires to use an ambulance service or any kind of mobility aid, the company will pay the actual amount&nbsp; incurred as a direct result of Accidental Injury and any kind of equipment the Insured&rsquo;s attending Doctor prescribed to aid mobility.</p>\r\n\r\n<p style="text-align:justify">&nbsp;</p>\r\n\r\n<p>&nbsp;</p>\r\n\r\n<ol start="2">\r\n	<li><strong>SURGICAL TREATMENT</strong></li>\r\n</ol>\r\n\r\n<p><strong>&nbsp;</strong></p>\r\n\r\n<p>Except such as maybe necessary solely by reason of accidental injury in which the Insured requires to conduct surgical treatment prescribed by the Insured&rsquo;s attending Doctor, the company will pay within fifty two (52) weeks the amount equivalent but not exceed the aggregate amount set forth under the table of benefit as a result of one accident.</p>\r\n\r\n<p><strong>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </strong></p>\r\n\r\n<p style="text-align:justify"><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n\r\n<p><span style="font-family:arial,sans-serif; font-size:10.0pt">&nbsp;</span></p>\r\n', '', 70, '', '2021-05-25 19:14:07', '2021-05-27 10:56:03', 2, 202);
INSERT INTO `mstwarrantclause` (`code`, `line_mst_code`, `short_name`, `warrant_title`, `warrant_text`, `default_peril_mst_codes`, `print_order`, `remarks`, `created_at`, `updated_at`, `created_user_mst_code`, `updated_user_mst_code`) VALUES
(989, '3', 'SCH-OF-IND', 'CV SCHEDULE OF INDEMNITIES', '<p>AS PER ATTACHED SCHEDULE</p>\n', '', 899, '', '2021-06-11 11:27:32', '2021-06-11 11:30:40', 194, 194),
(990, '3', 'COM-VEHI-POL', 'COMMERCIAL VEHICLE - POLICY JACKET ENDORSEMENT', '<p>IT IS HEREBY DECLARED AND AGREED that effective inception date, the correct SCHEDULE OF INDEMNITIES FOR BODILY INJURY AND/OR DEATH under SECTION 1 - LIABILITY TO THE PUBLIC of the above mentioned Commercial Vehicle Policy should now be read as follows:-</p>\r\n\r\n<p>&nbsp;</p>\r\n\r\n<p style="text-align: center;"><strong>SCHEDULE OF INDEMNITIES FOR BODILY INJURY AND/OR DEATH</strong></p>\r\n\r\n<p style="text-align: justify;"><strong>The following schedule of indemnities shall be observed in the settlement of claims for death, bodily injuries, professional fees and hospital charges for services rendered to traffic accident victims under the Compulsory Motor Vehicle Liability Insurance Coverage.</strong></p>\r\n\r\n<p style="text-align: justify;">&nbsp;</p>\r\n\r\n<p><strong>&nbsp; &nbsp; &nbsp;A. DEATH INDEMNITY</strong>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;P 70,000.00<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp; Burial and Funeral Expenses&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;30,000.00<br />\r\n&nbsp; &nbsp; &nbsp;<strong>B. BODILY INJURIES AND FRACTURES</strong>&nbsp; &nbsp; &nbsp; &nbsp;<br />\r\n&nbsp; &nbsp; &nbsp;<strong><u>Types of Accommodation</u>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;<u>Maximum</u><br />\r\n&nbsp; &nbsp; &nbsp;<u>or Professional Attendance</u>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;<u>Reimbursable</u><br />\r\n&nbsp; &nbsp; &nbsp;<u>Extended</u>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;<u>Services Rendered</u>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; <u>Fees and/or Charges</u></strong><br />\r\n&nbsp; &nbsp; &nbsp; 1. Hospital Rooms&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Maximum of 45 days per accident&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 500.00/day<br />\r\n&nbsp; &nbsp; &nbsp;&nbsp;2. Surgical Expenses &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Major Operation&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 7,500.00<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Medium Operation&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;5,000.00<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Minor Operation&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 1,500.00<br />\r\n&nbsp; &nbsp; &nbsp; 3. Anaesthesiologist&rsquo;s&nbsp; &nbsp; &nbsp; Major Operation&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 2,500.00<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Fees&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Medium Operation&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;2,000.00<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Minor Operation&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 500.00<br />\r\n&nbsp; &nbsp; &nbsp; 4. Operating Room&nbsp; &nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Major Operation&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 1,500.00<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Medium Operation&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;1,000.00<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Minor Operation&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 500.00<br />\r\n&nbsp; &nbsp; &nbsp; 5. Medical Expenses&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For daily visits of Practitioner or<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;Specialists&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 400.00/day<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; The total amount of medical expenses<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;must not exceed(for a single period of<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;confinement)&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;5,000.00<br />\r\n&nbsp; &nbsp; &nbsp;6. Drugs and Medicine&nbsp; &nbsp; &nbsp; &nbsp; Actual value of drugs and medicine<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;used but&nbsp;not to exceed&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 20,000.00<br />\r\n&nbsp; &nbsp; &nbsp;7. Ambulance&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Actual amount charged for ambulance<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;transport but not to exceed&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;1,500.00<br />\r\n<br />\r\n&nbsp; &nbsp; <strong>C. PERMANENT DISABLEMENT AMOUNT<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp;</strong>Loss of or Loss of Use of:<strong>&nbsp;<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp;</strong>Two limbs&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; P 50,000.00<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp;Both Hands, or all fingers &amp; both thumbs&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;50,000.00<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp;Both Feet&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 50,000.00<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp;One Hand and one foot&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 50,000.00<br />\r\n&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Sight of both eyes &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;50,000.00<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp;Injuries resulting in being permanently bedridden&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;50,000.00<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp;Any other injury causing permanent total disablement&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;50,000.00<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp;Arm at or above elbow&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;20,000.00<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp;Arm between elbow and wrist&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15,000.00<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp;Hand&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15,000.00<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp;Four fingers and thumb of one hand&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15,000.00<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp;Four fingers &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12,000.00<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp;Leg at or above knee&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;20,000.00<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp;Leg below knee &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15,000.00<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp;One foot&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15,000.00<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp;All toes of one foot &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10,000.00<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp;Thumb&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8,000.00<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp;Index Finger &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6,000.00<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp;Sight of one eye&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;20,000.00<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp;Hearing - both Ears&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;30,000.00<br />\r\n&nbsp; &nbsp; &nbsp; &nbsp;Hearing - one Ear &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15,000.00</p>\r\n\r\n<p>&nbsp;</p>\r\n\r\n<p>IT IS FURTHER DECLARED AND AGREED that, the correct EXCEPTIONS TO SECTION III &ndash; LOSS OR DAMAGE should now be read as follows:-</p>\r\n\r\n<p style="text-align: center;"><strong>EXCEPTIONS TO SECTION III</strong></p>\r\n\r\n<p>The Company shall not be liable to pay for:</p>\r\n\r\n<ol>\r\n	<li>Loss or Damage in respect of any claim or series of claims arising out of one event, the first amount of each and every loss for each and every vehicle insured by this policy, such amount being equal to one percent (1.00%) of the Insured&#39;s estimate of Fair Market Value as shown in the Policy Schedule with a minimum deductible amount of PHP 3,000.00.</li>\r\n	<li>Consequential loss, depreciation, wear and tear, mechanical or electrical breakdowns, failure or breakages;</li>\r\n	<li>Damage to tires, unless the Scheduled Vehicle is damaged at the same time;</li>\r\n	<li>Any malicious damage caused by the Insured, any member of this family or by a person in the Insured&#39;s service&nbsp;</li>\r\n	<li>Damage caused by overloading or strain;</li>\r\n	<li>Damage caused by explosion of any boiler forming part of, attached to, or on the Schedule Vehicle.</li>\r\n</ol>\r\n', '', 95, '', '2021-06-14 15:27:36', '2021-06-15 10:55:17', 202, 2),
(991, '3', 'MC-ENDT', 'PRIVATE CAR - POLICY JACKET ENDORSEMENT', '<p>IT IS HEREBY DECLARED AND AGREED that effective inception date, the correct SCHEDULE OF INDEMNITIES FOR BODILY INJURY AND/OR DEATH under SECTION 1 - LIABILITY TO THE PUBLIC of the above mentioned Commercial Vehicle Policy should now be read as follows:-</p>\n\n<p>&nbsp;</p>\n\n<p style="text-align:center"><strong>SCHEDULE OF INDEMNITIES FOR BODILY INJURY AND/OR DEATH</strong></p>\n\n<p style="text-align:justify"><strong>The following schedule of indemnities shall be observed in the settlement of claims for death, bodily injuries, professional fees and hospital charges for services rendered to traffic accident victims under the Compulsory Motor Vehicle Liability Insurance Coverage.</strong></p>\n\n<p style="text-align:justify">&nbsp;</p>\n\n<p><strong>&nbsp; &nbsp; &nbsp;A. DEATH INDEMNITY</strong>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;P 70,000.00<br />\n&nbsp; &nbsp; &nbsp; &nbsp; Burial and Funeral Expenses&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;30,000.00<br />\n&nbsp; &nbsp; &nbsp;<strong>B. BODILY INJURIES AND FRACTURES</strong>&nbsp; &nbsp; &nbsp; &nbsp;<br />\n&nbsp; &nbsp; &nbsp;<strong><u>Types of Accommodation</u>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;<u>Maximum</u><br />\n&nbsp; &nbsp; &nbsp;<u>or Professional Attendance</u>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;<u>Reimbursable</u><br />\n&nbsp; &nbsp; &nbsp;<u>Extended</u>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;<u>Services Rendered</u>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; <u>Fees and/or Charges</u></strong><br />\n&nbsp; &nbsp; &nbsp; 1. Hospital Rooms&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Maximum of 45 days per accident&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 500.00/day<br />\n&nbsp; &nbsp; &nbsp;&nbsp;2. Surgical Expenses &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Major Operation&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 7,500.00<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Medium Operation&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;5,000.00<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Minor Operation&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 1,500.00<br />\n&nbsp; &nbsp; &nbsp; 3. Anaesthesiologist&rsquo;s&nbsp; &nbsp; &nbsp; Major Operation&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 2,500.00<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Fees&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Medium Operation&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;2,000.00<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Minor Operation&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 500.00<br />\n&nbsp; &nbsp; &nbsp; 4. Operating Room&nbsp; &nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Major Operation&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 1,500.00<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Medium Operation&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;1,000.00<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Minor Operation&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 500.00<br />\n&nbsp; &nbsp; &nbsp; 5. Medical Expenses&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For daily visits of Practitioner or<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;Specialists&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 400.00/day<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; The total amount of medical expenses<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;must not exceed(for a single period of<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;confinement)&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;5,000.00<br />\n&nbsp; &nbsp; &nbsp;6. Drugs and Medicine&nbsp; &nbsp; &nbsp; &nbsp; Actual value of drugs and medicine<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;used but&nbsp;not to exceed&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 20,000.00<br />\n&nbsp; &nbsp; &nbsp;7. Ambulance&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Actual amount charged for ambulance<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;transport but not to exceed&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;1,500.00<br />\n<br />\n&nbsp; &nbsp; <strong>C. PERMANENT DISABLEMENT AMOUNT<br />\n&nbsp; &nbsp; &nbsp; &nbsp;</strong>Loss of or Loss of Use of:<strong>&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp;</strong>Two limbs&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; P 50,000.00<br />\n&nbsp; &nbsp; &nbsp; &nbsp;Both Hands, or all fingers &amp; both thumbs&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;50,000.00<br />\n&nbsp; &nbsp; &nbsp; &nbsp;Both Feet&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 50,000.00<br />\n&nbsp; &nbsp; &nbsp; &nbsp;One Hand and one foot&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 50,000.00<br />\n&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Sight of both eyes &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;50,000.00<br />\n&nbsp; &nbsp; &nbsp; &nbsp;Injuries resulting in being permanently bedridden&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;50,000.00<br />\n&nbsp; &nbsp; &nbsp; &nbsp;Any other injury causing permanent total disablement&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;50,000.00<br />\n&nbsp; &nbsp; &nbsp; &nbsp;Arm at or above elbow&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;20,000.00<br />\n&nbsp; &nbsp; &nbsp; &nbsp;Arm between elbow and wrist&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15,000.00<br />\n&nbsp; &nbsp; &nbsp; &nbsp;Hand&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15,000.00<br />\n&nbsp; &nbsp; &nbsp; &nbsp;Four fingers and thumb of one hand&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15,000.00<br />\n&nbsp; &nbsp; &nbsp; &nbsp;Four fingers &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12,000.00<br />\n&nbsp; &nbsp; &nbsp; &nbsp;Leg at or above knee&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;20,000.00<br />\n&nbsp; &nbsp; &nbsp; &nbsp;Leg below knee &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15,000.00<br />\n&nbsp; &nbsp; &nbsp; &nbsp;One foot&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15,000.00<br />\n&nbsp; &nbsp; &nbsp; &nbsp;All toes of one foot &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10,000.00<br />\n&nbsp; &nbsp; &nbsp; &nbsp;Thumb&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8,000.00<br />\n&nbsp; &nbsp; &nbsp; &nbsp;Index Finger &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6,000.00<br />\n&nbsp; &nbsp; &nbsp; &nbsp;Sight of one eye&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;20,000.00<br />\n&nbsp; &nbsp; &nbsp; &nbsp;Hearing - both Ears&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;30,000.00<br />\n&nbsp; &nbsp; &nbsp; &nbsp;Hearing - one Ear &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15,000.00</p>\n\n<p>&nbsp;</p>\n', '', 100, '', '2021-06-15 10:56:24', '2021-06-23 16:24:41', 2, 202),
(992, '3', 'MCAR-ENDT', 'MOTOR CAR ENDORSEMENT', '<p>Agreed Value Endorsement Clause</p>\n\n<p>It is hereby declared and agreed, that the declared value of the insured vehicle or unit should be the agreed value and will be the basis for indemnity in case of a total loss claim less deductible as stipulated<br />\nin the policy.</p>\n\n<p>Aggregate Limit Clause</p>\n\n<p>It is hereby declared and agreed that the amount of insurance in respect of Section III shall be reduced automatically by the amount of any claim paid under this Policy<br />\n&nbsp;</p>\n', '', 55, '', '2021-09-22 16:46:53', '2021-09-22 16:47:48', 2, 2);

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