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
(314, '1', 'CAR-OTH-BAI', 'CARRIER OF OTHER BAILEES CLAUSE', '<p>It is warranted by the Insured that this insurance shall not insure directly or indirectly to the benefit of any carrier or other bailee by stipulation of bill of lading or otherwise and any breach of this warranty shall forfeit any claim which would have been payable by the Company had it not been for such breach. The Company shall not be liable to or any loss or damage which without its consent has been settled or compromised by the Insured.</p>\n', '', 1485, '', '2015-08-24 16:08:27', '2015-08-24 16:08:27', 14, 14),
(315, '1', 'CON-PRI-CLA', 'CONTRACT PRICE CLAUSE', '<p>It is hereby declared and agreed that in respect only of Goods sold but not delivered for which the Insured is (or are) responsible and with regard to which under conditions of the Sale, the Sale Contract is by reason of the fire cancelled either wholly or to the extend of the loss or damage, the liability of the Company shall be based on the Contract Price, and for the purpose of Average the value of all goods to which this clause would be in the event of loss or damage be applicable shall be ascertained on the same basis.</p>\n', '', 1490, '', '2015-08-24 16:09:44', '2015-08-24 16:09:44', 14, 14),
(316, '1,2', 'CON-DMG-MER', 'CONTROL OF DAMAGE MERCHANDISE CLAUSE', '<p>It is hereby declared and agreed that in the case of loss or damage to the locations to which this policy applies, the Insured shall have full right to the possessions and control of all such damaged goods.</p>\n\n<p>It is further agreed that after suitable tests have indicated which goods have been damaged, the Insured exercising a reasonable discretion shall be the sole judge as to whether such damaged goods are suitable for reprocessing or for marketing and no such damaged goods deemed by the Insured to be unfit for reprocessing or for marketing shall be sold or otherwise disposed of except by the Insured or with the Insured&#39;s consent, but the Insured shall allow this Company any salvage obtained on any sale or other disposition of such good.</p>\n', '', 1495, '', '2015-08-24 16:10:54', '2018-11-20 11:00:42', 14, 215),
(317, '1', 'DEP-CLA', 'DEPARTMENTAL CLAUSE', '<p>If the business be conducted in departments the independent trading results of which are ascertainable, the provisions of clauses shall be apply separately to each department affected by the damage, except that if the sum insured by the said item be less than the aggregate of the sums produced by applying the rate of gross profit for each department of the business (whether affected by the damage or not) to the relative annual turnover thereof, the amount payable shall be proportionately reduced.</p>\n', '', 1500, '', '2015-08-24 16:11:32', '2015-08-24 16:11:32', 14, 14),
(318, '1', 'DEP-UDM-STO', 'DEPRECIATION OF UNDAMAGED STOCKS', '<p>This policy extends to include loss sustained by the Insured as the result of depreciation of undamaged stock which cannot be processed promptly due to interruption of or interference with the business in consequences of damage to property insured.</p>\n', '', 1505, '', '2015-08-24 16:13:46', '2015-08-24 16:13:46', 14, 14),
(319, '1', 'DEV-CLA', 'DEVALUATION CLAUSE', '<p>It is understood and agreed that this insurance shall extend to cover amounts representing increase in value in excess of the amount insured including deficiency in the amount of collectible loss under this policy caused by devaluation of the currency, in which it is written, against the dollar.</p>\n\n<p>It is further understood that the Insured undertakes to advise additional insurance within thirty (30) days of the devaluation and to pay the additional premium required.</p>\n\n<p>Following advice of any additional insurance, the provisions of this memorandum are fully reinstated.</p>\n', '', 1510, '', '2015-08-24 16:16:12', '2015-08-27 16:17:41', 14, 14),
(320, '1', 'DUE-DIL', 'DUE DILIGENCE', '<p>The Insured shall use due diligence and do and concur in doing all things reasonably practicable to minimize any interruption of or interference with the Business and to avoid or diminish the loss whether by taking other premises or by other means.</p>\n', '', 1515, '', '2015-08-24 16:24:08', '2015-08-24 16:24:08', 14, 14),
(321, '1', 'ELE-FIR-CLA', 'ELECTRICAL FIRE CLAUSE', '<p>It is hereby declared and agreed, notwithstanding what is stated in the printed conditions of this policy to the contrary, that this insurance covers loss or damage to any electrical machine, apparatus or any portion of the electrical installation arising from or occasioned by over-running, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity from whatever cause (lightning included) whether fire ensures or not.</p>\n', '', 1520, '', '2015-08-24 16:24:38', '2018-04-23 08:53:22', 14, 194),
(322, '1', 'FIR-EMP-PRO', 'EMPLOYEES PERSONAL PROPERTY', '<p>This policy extends to cover employees&rsquo; personal effects up to a limit of NT$5,000 per employees and NT$1,000,000 in aggregate.</p>\n', '', 1525, '', '2015-08-24 16:25:21', '2019-07-03 14:17:22', 14, 72),
(323, '1', 'ESC-CLA', ' ESCALATION CLAUSE', '<p>In consideration of the payment of an additional premium (amounting to 50%) of the premium produced by applying the percentage(s) specified to the annual premium on the other noted items) the sum insured by each of the said items all during each period of insurance, be increased by that proportion of the specific percentage which the number of months since the commencement of such period shall bear to the whole of such period.</p>\n\n<p style="text-align:center">ITEM NO. &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</p>\n\n<p style="text-align:center">_________________________________ &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;_________________________________</p>\n\n<p style="text-align:center">_________________________________ &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;_________________________________</p>\n\n<p style="text-align:center">_________________________________ &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;_________________________________</p>\n\n<p>Unless specifically agreed to the contrary the provisions of this memorandum shall only apply to the sums insured in force at the commencement of the period of insurance.</p>\n\n<ul>\n	<li>At each renewal date, the Insured shall notify the Insurer:\n	<ol start="1" style="list-style-type: lower-alpha;">\n		<li>The sums to be insured at the commencement of the forthcoming period of&nbsp;insurance.</li>\n		<li>The percentage increase required for the forthcoming period of insurance. And in default thereof the provisions of this memorandum shall cease to apply.</li>\n	</ol>\n	</li>\n</ul>\n\n<p>It is understood that in the event of a total loss or damage occurring within the first six (6) months of the policy becomes in force the company shall retain a portion of the additional premium in accordance with the following scale:</p>\n\n<ul style="list-style-type: circle;">\n	<li>Not exceeding\n	<ul style="list-style-type: square;">\n		<li>1 month - 25.0% of the additional premium</li>\n		<li>2 months - 37.5% of the additional premium</li>\n		<li>3 months - 50.0% of the additional premium</li>\n		<li>4 months - 62.5% of the additional premium</li>\n		<li>6 months - 75.0% of the additional premium</li>\n	</ul>\n	</li>\n	<li>Exceeding\n	<ul style="list-style-type: square;">\n		<li>6 months - annual additional premium</li>\n	</ul>\n	</li>\n</ul>\n\n<p>It is further understood, that in the application of the Escalation Clause, the provisions of Section 50, 215 and 226 of the Insurance Code must in all cases be observed.</p>\n\n<p>All the conditions of the policy except insofar as they may be hereby expressly varied shall apply as if they had been incorporated herein.</p>\n', '', 1530, '', '2015-08-24 16:26:55', '2015-08-27 16:52:03', 14, 14),
(324, '1', 'FIR-NAM-CLA', 'ERROR IN NAME CLAUSE', '<p>Any error in Name of Title of the insured shall not prejudice this insurance.</p>\n', '', 1535, '', '2015-08-24 16:29:10', '2015-08-24 16:29:10', 14, 14),
(325, '1', 'FIR-NAM-DES', 'ERROR IN NAME AND DESCRIPTION CLAUSE', '<p>This insurance shall not be prejudiced by any error:</p>\n\n<ul>\n	<li>In stating the name or title of the insured</li>\n	<li>Address and/or description of any location of the Insured.</li>\n</ul>\n', '', 1540, '', '2015-08-24 16:33:10', '2015-08-24 16:33:10', 14, 14),
(326, '1', 'ERR-OMI-CLA', 'ERRORS AND OMISSIONS CLAUSE', '<p>The insured shall not be prejudiced by an unintentional and/or inadvertent omission, error or incorrect description of the interest, risk or property provided notice is given to the Company as soon as practicable upon discovery of such error or omission.</p>\n', '', 1545, '', '2015-08-24 16:36:24', '2015-08-24 16:36:24', 14, 14),
(328, '1,6', 'EXT-MIT-EXP', 'EXTINGUISHMENT AND MITIGATION EXPENSES', '<p>It is hereby declared and agreed that this policy extends to cover all expenses reasonably incurred by or on behalf of the Insured in extinguishing fires or in mitigating, containing or suppressing loss, destruction or damage by any peril or eventually hereby insured against occurring at or immediately threatening the situation of any property insured by this policy.</p>\n\n<p>It is further declared and agreed that indemnity afforded by this special clause shall includes (but not be limited to) the payment of wages to Insured&#39;s employees (other than full time members of a works fire brigade), the cost of replenishing fire fighting appliances, and the cost of replacing, reinstating or repairing materials and equipment lost, destroyed or damaged (including directors, partners&#39;, proprietors&#39;, employees&#39; and volunteers&#39; clothing and personal effects).</p>\n', '', 1555, '', '2015-08-24 16:59:48', '2017-04-05 03:20:12', 14, 194),
(329, '1,18', 'EXT-EXP-CLA', 'EXTRA EXPENSES CLAUSE', '<p>The insurance granted by this Policy is extended to cover additional expense necessarily and reasonably incurred by the insured in consequence of the damage/accident in order to expedite the reinstatement of the damaged properly. &nbsp;Extra Expense shall include but is not limited to:</p>\n\n<p>1. overtime for labor</p>\n\n<p>2. premium for materials</p>\n\n<p>3. premium for constructors fees</p>\n\n<p>&nbsp;</p>\n\n<p>It is agreed and understood that this extension is limited to the amount stated in the Policy schedule and that any payment under this extension shall not increase insurer&#39;s liability under this policy.</p>\n', '', 1560, '', '2015-08-24 17:00:55', '2019-10-18 11:20:40', 14, 194),
(330, '1', 'EXT-LIV-EXP', 'EXTRA LIVING EXPENSE (ALTERNATIVE ACCOMMODATION)', '<p>This insurance shall respond for the extra expense incurred for the use of Alternative Accommodation up to maximum amount of 10% of the value of the building for a maximum period of three (3) months.</p>\n\n<p>Deductible : 2% each &amp; every loss, minimum of 10% for Alternative Accommodation</p>\n', '', 1565, '', '2015-08-24 17:03:10', '2015-08-24 17:03:10', 14, 14),
(331, '1', 'FIRE-EXT-CLA', 'FIRE EXTINGUISHING CLAUSE', '<p>It is hereby declared and agreed that notwithstanding anything in the within Policy contained to the contrary, but subject to the Provisos hereinafter contained the insurance under this Policy extends to include the cost of replenishment of fire fighting appliances up to a maximum limit of PESOS:&nbsp;______________________________PHILIPPINE CURRENCY.</p>\n\n<p>Provided always that the liability of the Company in respect of such costs shall be limited to those necessarily and reasonably incurred in extinguishing fires at or adjoining the situation of the property insured by this Policy or immediately threatening to involve such property.</p>\n\n<p>Provided further that otherwise the insurance under this endorsement and the Policy shall be subject to all terms, limitations, stipulations, exclusions, provisions and exceptions printed on, expressed in, endorsed upon or attached to the Policy and provided also that all of the conditions of the Policy (except in so far as they may be hereby varied) shall apply as if they also had been incorporated herein).</p>\n', '', 1570, '', '2015-08-24 17:07:31', '2015-08-27 16:53:46', 14, 14),
(332, '1', 'FIR-LOS-CLA', 'FIRST LOSS CLAUSE', '<p>It is hereby declared and agreed that this is a First Loss Basis Policy on Burgalry</p>\n\n<p>It is further declared and agreed that if at the time of loss, the Total value of the property specified in the item 1 of the schedule is greater than ____________, then the Insured shall bear a ratable share of the loss accordingly.</p>\n', '', 1575, '', '2015-08-24 17:13:48', '2015-08-24 17:13:48', 14, 14),
(333, '1', 'IND-CON-LIA', 'INDEPENDENT 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 engaged by the Insured in connection with the Insured&#39;s business.</p>\n\n<p>The insured is extended to include any contractor which the Named Insured has agreed to extend coverage to by contract.</p>\n\n<p>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', '', 1580, '', '2015-08-24 17:14:32', '2018-12-13 10:50:03', 14, 194),
(334, '1', 'IMM-REP', 'IMMEDIATE REPAIRS', '<p>The insurers grant permission to the insured to carry out repairs for physical loss or damage to property insured under this Policy which conveniently and advantageously can be undertaken by the insured [subject to notification to the insurers as soon as practicable]. The actual cost of such repairs and all expenses and fees incurred related to such repairs will be included in any payment made to the insured.</p>\n', '', 1585, '', '2015-08-24 17:17:13', '2017-06-02 16:06:46', 14, 194),
(335, '1', 'IMM-CLA-PAY', 'IMMEDIATE CLAIM PAYMENT CLAUSE', '<p>Notwithstanding what is stated in the policy condition nos. 27 &ldquo;Action of Suit Clause&rdquo; and 29 &ldquo;Settlement of Claim Clause&rdquo; of the Standard Fire Insurance Policy, the insurer hereby notes and agrees that in the event a claim arising under this coverage and which is determined compensable under this policy, the Insurer shall immediately pay in full in one (1) lump sum the total compensable amount as determined and approved by the Company from the appointed adjusters evaluation report even if the Insured&rsquo;s claim is more than the compensable amount approved by the Company.&nbsp; The receipt of the full amount in any one (1) lump sum as determined, approved by the Company from the adjuster&rsquo;s evaluation report, however, shall not be construed as a waiver on the part of the Insured to pursue its original claim through further negotiation, if necessary by arbitration.</p>\n', '', 1590, '', '2015-08-24 17:17:56', '2015-09-11 15:28:18', 14, 14),
(336, '1', 'LAB', 'LABELS', '<p>In the event of labels, containers or wrappers being:</p>\n\n<ol start="1" style="list-style-type: lower-alpha;">\n	<li>lost, destroyed or damage</li>\n	<li>separated from the commodity to which they relate;</li>\n</ol>\n\n<p>subject to such loss, destruction, damage and/or separation being the result of a peril insured against under this policy; the Insurers will not be liable for more than an amount sufficient to precisely identify the Insured property and the cost of reconditioning the Insured Property but in no case shall the Insurers be liable for more.</p>\n', '', 1595, '', '2015-08-24 17:19:27', '2015-08-27 16:54:57', 14, 14),
(337, '1', 'LEA-INS-CLA', 'LEAD INSURER CLAUSE', '<p>The insurer(s) named herein hereby acknowledge that the first named insurer is the representative of the other insurer(s) for all purposes connected with this policy which appointment shall not be revoked during the continuance of this policy and any notice given to or received by the first named Insurer shall be deemed to have been given to and received by all other insurer(s).</p>\n', '', 1600, '', '2015-08-24 17:20:40', '2015-08-24 17:20:40', 14, 14),
(338, '1', 'LIB-CLA', 'LIBERALIZATION CLAUSE', '<p>If during the period that insurance is in force under this policy, or within 45 days prior to inception date thereof, on behalf of this company there shall be adopted or filed with an approved or accepted by the Insurance supervisory authorities all in conformity with law, any changes in the form attached to this policy by which this form of insurance could be extended or broadened without increased premium charge by endorsement or substitution of form, then such extended or broadened insurance shall inure to the benefit of the Insured hereunder as though such endorsement or substitution of form had been made.</p>\n', '', 1605, '', '2015-08-24 17:21:25', '2015-08-24 17:21:25', 14, 14),
(339, '1', 'LOS-MIN-EXP', 'LOSS MINIMIZATION EXPENSE (P2,000,000.00)', '<p>If upon the happening of any peril hereby insured resulting in actual damage to the Insured Property, expenses are necessarily and reasonably incurred by or on behalf of the Insured in an attempt to prevent or minimize further damage arising from that occurrence, then the Insurer shall (subject to the terms of this Section insofar as they can apply) indemnify the Insured in respect of such expenses.</p>\n\n<p>Provided that</p>\n\n<p>the liability of the Insurer hereunder shall be limited to P2,000,000.00 the Insurer shall not be liable for costs and expenses incurred to prevent or minimize further occurrences or happening of a similar nature.</p>\n\n<p>Nothing herein contained shall be held to vary, alter, waive or change any of the terms, limits or conditions of the Policy except as hereinabove set forth.</p>\n', '', 1610, '', '2015-08-24 17:22:17', '2015-08-24 17:22:17', 14, 14),
(340, '1', 'MIS-DES', 'MIS-DESCRIPTION', '<p>This insurance shall not be prejudiced by any alteration or mis-description of occupancy.&nbsp; Notice given to Insurers immediately the Insured become aware of the same and, if required, an additional premium to be paid from the date of the inception of the increased fire hazard.</p>\n', '', 1615, '', '2015-08-24 17:23:00', '2015-08-24 17:23:00', 14, 14),
(341, '1', 'MIT-FIR-EXT', 'MITIGATION AND FIRE EXTINGUISHING APPLIANCES EXPENSES CLAUSE', '<p>It is hereby declared and agreed that his Policy extends to cover all expenses reasonably incurred by or on behalf of the Insured in extinguishing fires or in mitigating, containing or suppressing loss, destruction or damage by any peril or eventuality hereby insured against occurring at or adjacent to or immediately threatening the situation of any property insured by this Policy, up to a limit of (as stated in the policy shcedule)&nbsp;per location.</p>\n\n<p>It is further declared and agreed that the indemnity afforded by this special clause shall include (but not be limited to) the payment of waged to the Insured&rsquo;s employees (other than full time members of a works fire brigade), the cost of replenishing fire fighting appliances, the cost of replacing, reinstating, or repairing materials and equipment lost, destroyed or damaged (including directors&rsquo;, partners&rsquo;, proprietors&rsquo;, employees&rsquo; and volunteers&rsquo; clothing and personal effects).</p>\n', '', 1620, '', '2015-08-24 17:23:50', '2017-07-24 09:26:31', 14, 194),
(342, '1', 'MIS-BRE-CON', 'MISDESCRIPTION AND BREACH OF CONDITIONS', '<p>The Insurance by the Policy shall not be prejudiced by an unintentional or inadvertent omission, error or incorrect description of the property or interest at risk given by the Insured provided notice is given to the Insurer as soon as practicable upon discovery of any such error or omission and the Insured shall pay additional premium if required.</p>\n\n<p>The breach of any Condition under this Policy or the application of any exclusion shall not prejudice the Insured&rsquo;s right under the Policy in respect of property insured hereunder which is not the direct subject of any such breach or exclusion.</p>\n\n<p>Warranted further that any breach of conditions without the knowledge or consent of the Insured shall not prejudice this insurance, provided notice of such breach be given in writing to the Insurer immediately upon such breach coming to the knowledge of the Insured&rsquo;s Insurance officer or other employee responsible for insurance.</p>\n', '', 1625, '', '2015-08-24 17:24:51', '2015-08-24 17:24:51', 14, 14),
(343, '1', 'OBS-CLA', 'OBSOLETE CLAUSE', '<p>It is noted and agreed that in the event of 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 for any other units within the premises of the Insured.&nbsp; The insurer retains the salvage rights over such parts.</p>\n', '', 1630, '', '2015-08-24 17:25:52', '2015-08-24 17:25:52', 14, 14),
(344, '1', 'OTH-INT-CLA', 'OTHER INTEREST CLAUSE', '<p>It is agreed that the Policy insured the interest of any other party that has a right in law due to the terms of any Act, By-Law, Agreement, Legal Document or instrument whereby that party has a financial or other interest in any Property Insured hereby.</p>\n\n<p>Provided that:</p>\n\n<ol start="1" style="list-style-type: lower-alpha;">\n	<li>The interests of such other party are not more specifically insured.</li>\n	<li>Any act or neglect of the Insured will not prejudice the rights of such other party provided that they shall upon becoming aware of any act or neglect whereby the risk of loss, destruction or damage has increased, given notice in writing to Insurers and pay any additional premium that Insurers may require.</li>\n</ol>\n', '', 1635, '', '2015-08-24 17:26:44', '2015-08-27 16:55:54', 14, 14),
(345, '1', 'OTH-PRO-CLA', 'OTHER PROPERTIES CLAUSE', '<p>It is agreed that the term &ldquo;other properties&rdquo; is understood to include:</p>\n\n<ol start="1" style="list-style-type: upper-alpha;">\n	<li>Money and&nbsp; stamps not&nbsp;otherwise&nbsp;specifically&nbsp;insured for an amount not exceeding&nbsp;PHP500.00 per event.</li>\n	<li>Documents, manuscripts&nbsp;and&nbsp;business&nbsp;books&nbsp;but&nbsp;only for&nbsp;the&nbsp;value&nbsp;of the&nbsp;&nbsp; materials&nbsp;as&nbsp;stationery, together&nbsp;with&nbsp;the&nbsp;cost&nbsp;of&nbsp;Clerical&nbsp;Labour&nbsp;expended in writing up, and not&nbsp;for&nbsp;the&nbsp;value&nbsp;to&nbsp;the insured of the information contained&nbsp;herein&nbsp;and&nbsp;for&nbsp;an&nbsp;amount not&nbsp;exceeding PHP 500.00 in&nbsp;respect&nbsp;of&nbsp;any&nbsp;one&nbsp;document, manuscript, a &nbsp;&nbsp;business&nbsp;book;&nbsp;but limited to PHP20,000.00 any one event.</li>\n	<li>Employees clothing, tools and other personal effects for an amount not exceeding&nbsp;PHP1,000.00 in respect of anyone employee but limited to PHP10,000.00 any one event.</li>\n</ol>\n', '', 1640, '', '2015-08-24 17:27:44', '2015-08-27 17:01:46', 14, 14),
(346, '1', 'FIR-OCC-CLA', 'OCCURRENCE CLAUSE', '<p>Any loss of or damage to the property Insured arising during any one period of seventy-two (72) consecutive hours caused by storm, tempest, flood, earthquake, riots, strikes or civil commotion, social unrest shall each be deemed as single event and to be one loss and shall constitute one occurrence with regard to the deductible applicable.</p>\n\n<p>For the purpose of application of deductible, the commencement of such seventy-two (72) hour period shall be the first happening of any such Damage to the property insured hereon.&nbsp; However, there shall be no overlapping in any two seventy-two (72) period in the event of Damage occurring over a more extended period of time.&nbsp; The Insurer shall not be liable for any loss occurring before the effective date and time of commencement of this Policy, nor for any loss occurring or, for property damage continuing, after the expiration date and time of this policy.</p>\n', '', 1645, '', '2015-08-24 17:29:43', '2015-08-24 17:29:43', 14, 14),
(348, '1', 'PAY-PRE-END', 'PAYMENT OF PREMIUM ENDORSEMENT', '<p>It is hereby declared and agreed that the premium of this policy is payable as follows:</p>\n\n<p>P_______________ due and payable on _________________</p>\n\n<p>&nbsp; _______________ due and payable on _________________</p>\n\n<p>&nbsp; _______________ due and payable on _________________</p>\n\n<p>&nbsp; _______________ due and payable on _________________</p>\n\n<p>In the event the initial payment or any installment not being received on or before the due dates above mentioned, this insurance shall be deemed to have ceased at 4:00 p.m. of such date.&nbsp; Thereafter, this policy shall automatically become null and void and ineffective unless prior to the expiration of said period, the insured shall have actually paid to the company the total expenses due and the corresponding documentary stamp tax, fire service tax, value added tax and local government tax as indicated in the bills to be issued prior to the due dates.</p>\n\n<p>In the event of loss covered hereunder during the currency of this policy, all future installments shall immediately become due and payable and the company shall be entitled to take credit thereof.</p>\n', '', 1655, '', '2015-08-24 17:31:15', '2015-08-24 17:31:15', 14, 14),
(349, '1', 'FIR-PRE-CLA', 'PREMISES CLAUSE', '<p>Extends to cover property which would have otherwise been covered under this policy whilst temporarily contained on platforms, alleys, yards, buildings, and in the open within the compound.</p>\n', '', 1660, '', '2015-08-24 17:32:07', '2015-08-24 17:32:07', 14, 14),
(350, '1,2', 'FIR-PRE-PAY-WAR', 'PREMIUM PAYMENT WARRANTY', '<p>It is hereby declared and agreed that total amount due to this policy is payable within thirty (30) days after the effectivity of this contract. &nbsp;In the event of any loss/damage on the properties insured against the peril state herein within such period, this policy is valid and in full force in effect, thereof, the Company is liable for losses/damages to be incurred in the Policy. &nbsp;Except as vaied by this conditions, all other term and agreement remain the same.&nbsp;</p>\n', '', 1665, '', '2015-08-24 17:32:52', '2018-11-20 11:09:52', 14, 215),
(351, '1', 'FIR-PRI-GRA', 'PRIVILEGES GRANTED', '<p>The following privileges are granted by Insurers to the Insured:</p>\n\n<ol style="list-style-type:lower-roman">\n	<li>For such use of the premises as is usual and incidental to the Insured&rsquo;s operation and to keep and use all materials in such quantities as are usual and incidental to&nbsp;such operation, however this clause shall not override the provisions of the Hazardous Goods Warranty should such attach to this Policy.</li>\n	<li>To construct additions and to make alterations and repairs to the buildings at the location described, and to erect new buildings and structures at such location.</li>\n	<li>To change the occupant of any building insured or containing the Insured Property provided the Insured shall give notice of such change to Insurers within 30 days and pay any additional premium if required.</li>\n</ol>\n', '', 1670, '', '2015-08-24 17:36:56', '2019-10-18 14:01:05', 14, 194),
(352, '1', 'PUB-AUT-CLA', 'PUBLIC AUTHORITIES CLAUSE', '<p>The insurance of this policy extends to include additional cost of reinstatement of the destroyed or damaged property hereby insured as may be incurred solely by reason of the necessity to comply with Building or other Regulations under or framed in pursuance of any Ordinance, Law, Statute or with By-Laws of any Municipal or Local Authority provided that:</p>\n\n<ol>\n	<li>The amount recoverable under this Extension shall not include:\n	<ol start="1" style="list-style-type:lower-alpha">\n		<li>the cost incurred in complying with any of the aforesaid Regulations or By-Laws;\n		<ol start="1" style="list-style-type:lower-roman">\n			<li>in respect of destruction, or damage occurring prior to the granting of the extension;</li>\n			<li>in respect of destruction or damage not insured by this policy;</li>\n			<li>under which notice has been served upon the insured prior to the happening of the destruction or damage;</li>\n			<li>in respect of undamaged property or undamaged&nbsp; portions&nbsp; of&nbsp; the property, other&nbsp;than&nbsp;foundation&nbsp;(unless&nbsp;foundations&nbsp;are&nbsp;specifically excluded from&nbsp;the&nbsp;insurance of this&nbsp;policy)&nbsp;of&nbsp;that&nbsp;portion&nbsp;of&nbsp;the&nbsp;property destroyed&nbsp;or&nbsp;damaged.</li>\n		</ol>\n		</li>\n		<li>the&nbsp; additional&nbsp; cost&nbsp; that&nbsp; would&nbsp; have&nbsp; been&nbsp; required&nbsp; to&nbsp; make&nbsp; good&nbsp; the&nbsp;&nbsp;&nbsp; property damaged&nbsp;&nbsp; or&nbsp; destroyed&nbsp; to&nbsp; a&nbsp; condition&nbsp; equal&nbsp;&nbsp; to&nbsp;&nbsp; its&nbsp;&nbsp; conditions&nbsp; when&nbsp; new&nbsp; had&nbsp; the necessity to comply with any of the aforesaid regulations or By-Laws not arisen.</li>\n		<li>the amount of any&nbsp; rate, tax, duty, development&nbsp; or&nbsp; other&nbsp; charges&nbsp; or&nbsp;&nbsp; assessment&nbsp;&nbsp;&nbsp;&nbsp; arising out of&nbsp; capital appreciation which may be payable in respect of&nbsp; the&nbsp; property&nbsp;or by the owner&nbsp; thereof&nbsp; by&nbsp;&nbsp; reason&nbsp; of&nbsp;&nbsp; compliance&nbsp; with&nbsp;&nbsp; any&nbsp;&nbsp; of&nbsp;&nbsp; the&nbsp; aforesaid&nbsp;Regulations or By-Laws.</li>\n	</ol>\n	</li>\n	<li>The&nbsp;work&nbsp;of&nbsp;reinstatement&nbsp;must&nbsp;be&nbsp;commenced&nbsp;and&nbsp;carried out with reasonable&nbsp;dispatch&nbsp;and in&nbsp;any&nbsp;case&nbsp;must&nbsp;be&nbsp;commenced&nbsp;within&nbsp;twelve&nbsp;(12)&nbsp;months after&nbsp;the&nbsp;destruction&nbsp;or&nbsp;damage&nbsp;within&nbsp;further&nbsp;time&nbsp;as&nbsp;the Insurer may (during the said&nbsp;twelve&nbsp;months)&nbsp;in&nbsp;writing&nbsp;allow and may be carried&nbsp;out&nbsp;wholly or partially upon another&nbsp;site&nbsp;(if&nbsp;the aforesaid&nbsp;Regulations&nbsp;or&nbsp;By-Laws&nbsp;so&nbsp;necessitate), subject&nbsp;to&nbsp;the&nbsp;liability&nbsp;of the Insurer under this extension not being thereby increased.</li>\n	<li>If the liability of Insurer under (Any&nbsp;item&nbsp;of)&nbsp;the policy apart from&nbsp;this&nbsp;extension&nbsp;shall&nbsp;be&nbsp;reduced by&nbsp;the application of&nbsp;the&nbsp;terms&nbsp;and&nbsp;conditions&nbsp;of&nbsp;the&nbsp;policy, then&nbsp;the liability&nbsp;of&nbsp;Insurer under this extension&nbsp;(in&nbsp;respect&nbsp;of&nbsp;any&nbsp;such&nbsp; claim)&nbsp;shall&nbsp;be&nbsp;reduced&nbsp;in&nbsp;like&nbsp;proportion.</li>\n	<li>The&nbsp;total&nbsp;amount&nbsp;recoverable&nbsp;under&nbsp;(any&nbsp;item&nbsp;of)&nbsp;this&nbsp;policy&nbsp;shall&nbsp;not&nbsp;exceed&nbsp;the&nbsp;sum&nbsp;insured thereby.</li>\n</ol>\n\n<p>All the conditions of the policy except insofar as they may be hereby expressly varied shall apply as if they had been incorporated therein.</p>\n', '', 1675, '', '2015-08-24 17:41:52', '2015-08-27 17:14:07', 14, 14),
(353, '1', 'QUA-PRE-PAY', 'QUARTERLY PREMIUM PAYMENT', '<p>Notwithstanding anything contained herein to the contrary, IT IS HEREBY DECLARED AND AGREED&nbsp; that the premium and its corresponding taxes in this policy is payable by installment as herein enumerated.</p>\n\n<p>1st Instalment &ndash; 25% of the premium plus corresponding VAT, plus100% Documentary Stamps and Local Government Tax due 30 days after inception<br />\n&nbsp;2nd Instalment &ndash; 25% of the premium plus corresponding VAT due 120 days after inception<br />\n&nbsp;3rd Instalment &ndash; 25% of the premium plus corresponding VAT due 210 days after inception<br />\n&nbsp;4th Instalment &ndash; 25% of the premium plus corresponding VAT due 300 days after inception</p>\n\n<p>In the event of any above schedule payment are not received in full on or before the due dates&nbsp; mentioned above, this insurance shall be deemed to have ceased at 4:00 p.m. of such date.&nbsp;Thereafter, this policy shall automatically become null and void and ineffective unless prior to the expiration of said period, the insured shall have actually&nbsp;paid to the company the total premium and the corresponding&nbsp; taxes as indicated in the above scheduled payment.</p>\n\n<p>In the event of loss covered hereunder during the currency of this policy, all future installments shall immediately become due and payable and the Company shall be entitled to take credit therefore.</p>\n', '', 1680, '', '2015-08-24 17:43:33', '2020-12-16 08:50:49', 14, 194),
(354, '1', 'FIR-SAN-CLA', 'SANCTIONS CLAUSE', '<p>No (re)insurer shall be deemed to provide cover and no (re)insurer shall be liable to pay any claim or pay any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose that (re)insurer to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of any jurisdiction applicable to that (re)insurer.</p>\n', '', 1685, '', '2015-08-24 17:45:20', '2015-08-24 17:45:20', 14, 14),
(355, '1', 'FIR-SON-BOO', 'SONIC BOOM ENDORSEMENT', '<p>IT IS AGREED AND UNDERSTOOD that otherwise to the terms, exclusion, provision and conditions contained in the Policy caused by the supersonic (Any speed over the speed of sound, which is approximately 343 meter/second in air at sea level). It is further agreed that cover shall include Thunder (natural) sonic boom created by the rapid heating and expansion of air.</p>\n', '', 1685, '', '2015-08-24 17:46:13', '2015-08-24 17:46:13', 14, 14),
(356, '1', 'FIR-STO-FLO', 'STOCK FLOATING EXTENSION', '<p>The Insurance by an item on stock includes property at any other premises in the Philippines excluding any premises insured hereby or any other premises or portion of premises occupied by the Insured and whilst in transit thereto and therefrom subject to a maximum liability of UAS$10,000.00 in respect of the extension US$200,000.00 in respect any location.</p>\n', '', 1690, '', '2015-08-25 10:32:43', '2015-08-25 10:32:43', 14, 14),
(357, '1', 'LIM-SEE-POL', 'LIMITED SEEPAGE AND/OR POLLUTION AND/OR CONTAMINATION RESULTING FROM PHYSICAL DAMAGE CAUSED BY LISTED PERILS CLAUSE (NMA 2415)', '<p>The insurance of this policy extends to include additional cost of reinstatement of the destroyed or damaged property hereby insured as may be incurred solely by reason of the necessity to comply with Building or other Regulations under or framed in pursuance of any Ordinance, Law, Statute or with By-Laws of any Municipal or Local Authority provided that:</p>\n\n<ol>\n	<li>The amount recoverable under this Extension shall not include:\n	<ol style="list-style-type:lower-alpha">\n		<li>the cost incurred in complying with any of the aforesaid Regulations or By-Laws;\n		<ol start="1" style="list-style-type:lower-roman">\n			<li>in respect of destruction, or damage occurring prior to the granting of the extension;</li>\n			<li>in respect of destruction or damage not insured by this policy;</li>\n			<li>under which notice has been served upon the insured prior to the happening of the destruction or damage;</li>\n			<li>in respect of undamaged property or undamaged&nbsp; portions&nbsp; of&nbsp; the property, other&nbsp;than&nbsp;foundation&nbsp;(unless&nbsp;foundations&nbsp;are&nbsp;specifically excluded from&nbsp;the&nbsp;insurance of this&nbsp;policy)&nbsp;of&nbsp;that&nbsp;portion&nbsp;of&nbsp;the&nbsp;property destroyed&nbsp;or&nbsp;damaged.</li>\n		</ol>\n		</li>\n		<li>the&nbsp;additional&nbsp;cost&nbsp;that&nbsp;would&nbsp;have&nbsp;been&nbsp;required&nbsp;to&nbsp;make&nbsp;good&nbsp;the&nbsp;&nbsp;&nbsp; property damaged&nbsp;or&nbsp;destroyed&nbsp;to&nbsp;a&nbsp;condition&nbsp;equal&nbsp;to&nbsp;its&nbsp;&nbsp; conditions&nbsp;when&nbsp;new&nbsp;had&nbsp; the necessity to comply with any of the aforesaid regulations or By-Laws not arisen.</li>\n		<li>the amount of any&nbsp;rate, tax,&nbsp;duty, development&nbsp;or&nbsp;other&nbsp;charges&nbsp;or&nbsp;assessment&nbsp;arising out of&nbsp; capital appreciation which may be payable in respect of&nbsp;the&nbsp;property&nbsp;or by the owner&nbsp;thereof&nbsp;by&nbsp;reason&nbsp;of&nbsp;compliance&nbsp;with&nbsp;any&nbsp;of&nbsp;the&nbsp;aforesaid&nbsp;Regulation or By-Laws.</li>\n	</ol>\n	</li>\n	<li>The&nbsp;work&nbsp;of&nbsp;reinstatement&nbsp;must&nbsp;be&nbsp;commenced&nbsp;and&nbsp;carried out with reasonable dispatch and in&nbsp;any&nbsp;case&nbsp;must&nbsp;be&nbsp;commenced&nbsp;within&nbsp;twelve&nbsp;(12) months after the&nbsp;destruction&nbsp;or&nbsp;&nbsp; damage within further time as the Insurer may (during the said twelve months) in writing allow and may be carried out wholly or partially upon another site&nbsp;(if the aforesaid Regulations or By-Laws so necessitate), subject to the liability of&nbsp;the Insurer under this extension not being thereby increased.</li>\n	<li>If the liability of Insurer under (Any&nbsp;item&nbsp;of)&nbsp;the policy apart from&nbsp;this extension shall be reduced by the application of the terms and conditions of the policy, then the liability of&nbsp;Insurer under this extension (in respect of any such claim) shall be reduced in like&nbsp;proportion.</li>\n	<li>The total amount recoverable under (any item of ) this policy shall not exceed the sum insured thereby.</li>\n</ol>\n\n<p>All the conditions of the policy except insofar as they may be hereby expressly varied shall apply as if they had been incorporated therein.</p>\n\n<p><strong>LIMIT for 100% of the cover:&nbsp; P500,000.00 (FIVE HUNDRED THOUSAND PESOS ONLY) any one occurrence &amp; annual aggregate limit</strong></p>\n\n<p>THIS CLAUSE IS VOID AND OF NO FORCE OR EFFECT UNLESS AN AMOUNT IS SPECIED IN PARAGRAPH 2 BELOW</p>\n\n<p>This Policy is amended as set forth below. All other terms and conditions of this Policy remain unchanged and continue to apply with full force and effect.</p>\n\n<p>Nothing contained in this Clause shall override any radioactive contamination exclusion or, except as set forth herein, the foregoing Seepage and/or Pollution and/or Contamination Exclusion Clause. The inclusion of this Clause shall in no event increase the Limit of Liability of Underwriters under this Policy or any other endorsement applicable to this Policy.</p>\n\n<ol start="1" style="list-style-type:decimal">\n	<li>If\n	<ol style="list-style-type:lower-alpha">\n		<li>any of the perils listed below is the sole, immediate and direct cause of physical damage to property insured by this Policy against such listed peril (hereinafter in this Clause referred to as &ldquo;Original Damage&rdquo;); and</li>\n		<li>the Original Damage is the sole, immediate and direct cause of seepage onto, and/or pollution and/or contamination of property which is:\n		<ol start="1" style="list-style-type:lower-roman">\n			<li>at the same premises as the Original Damage; and</li>\n			<li>insured by this Policy against the listed peril causing the Original Damage; and</li>\n		</ol>\n		</li>\n		<li>said property is damaged thereby (hereinafter in this Clause referred to as &ldquo;Resulting Damage&rdquo;);</li>\n	</ol>\n	</li>\n</ol>\n\n<p>then this Policy, subject to the following additional terms and limitations and the method of calculation in Clause VI of this Endorsement, also insures:</p>\n\n<ol>\n	<li>the Resulting Damage; and</li>\n	<li>the reasonable and necessary expense incurred by the Assured for debris removal and/or clean up which is:​\n	<ol start="1" style="list-style-type:lower-alpha">\n		<li>limited to the same premises as the Original Damage; and</li>\n		<li>made necessary solely by the Resulting Damage;</li>\n	</ol>\n	</li>\n</ol>\n\n<p>but which shall in no event include any expense of clean up removal of land, water or air (which Resulting Damage and expense of debris removal and/or clean up, hereinafter in this Clause are referred to as &ldquo;Resulting Loss&rdquo;);</p>\n\n<p>Provided however, that this Policy only insures the Resulting Loss where:</p>\n\n<ol start="1" style="list-style-type: decimal;">\n	<li>Underwriters have agreed to pay for the Original Damage or, but for the operation of a deductible or underlying amount, would have agreed to pay for the Original Damage; and</li>\n	<li>Within one year of the commencement of the listed peril which caused the Original Damage, the Assured became aware and advised Underwriters of the amount of:\n	<ol start="1" style="list-style-type: lower-alpha;">\n		<li>the Resulting Loss; and</li>\n		<li>any other interest to be claimed under this Policy as a result of the Resulting Damage, whether physical damage, business interruption, extra expense or otherwise.\n		<ul>\n			<li><em>Listed Perils</em>\n			<ul style="list-style-type:circle">\n				<li>Fire,<em>​</em></li>\n				<li>Lightning,</li>\n				<li>Earthquake,</li>\n				<li>Typhoon,</li>\n				<li>Flood,</li>\n				<li>Explosion,</li>\n				<li>Machinery Breakdown,</li>\n				<li>Riot, Strike &amp; Malicious Damage</li>\n				<li>Employee Negligence</li>\n			</ul>\n			</li>\n		</ul>\n		</li>\n	</ol>\n	</li>\n</ol>\n\n<p>Nothing in this Clause, however, shall extend this Policy to cover any condition that existed prior to the Original Damage nor to insure any loss, damage, cost, expense, fine, penalty, or other sum which is incurred, sustained or imposed by, or by the threat of, any judgment, order, direction, instruction or request of, or any agreement with, any court, government agency, any public, civil or military authority or any other person (and whether or not as a result of public or private litigation) in connection with any kid of seepage or any kind of pollution and/or contamination from any cause.</p>\n', '', 1695, '', '2015-08-25 10:40:22', '2015-08-27 17:44:39', 14, 14),
(358, '1', 'VAN-AND-MAL', 'VANDALISM AND MALICIOUS MISCHIEF', '<p>Loss by vandalism and malicious mischief shall mean only willful and malicious destruction of the property by excluding any loss:</p>\n\n<ol style="list-style-type:lower-alpha">\n	<li>to glass (other than glass building blocks) constituting a part of the building;</li>\n	<li>to outdoor signs;</li>\n	<li>by pilferage, theft, burglary and larceny; and</li>\n</ol>\n\n<p>while the building is vacant beyond a period of thirty days, but a building under construction shall not be deemed vacant.</p>\n', '', 1700, '', '2015-08-25 10:43:52', '2015-08-25 10:43:52', 14, 14),
(359, '1', 'VEH-LOD', 'VEHICLE LOAD', '<p><br />\nIn the event of any of the Insured&#39;s vehicles being left loaded overnight whilst in and/or on the premises described in the specification hereto, Insurers will indeminify the Insured is respect of such load in the event of loss or damage by any of the perils insured against by this Policy.&nbsp;</p>\n', '', 1705, '', '2015-08-25 10:44:38', '2017-04-05 01:10:52', 14, 194);
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<w:LsdException Locked="false" Priority="21" SemiHidden="false"   UnhideWhenUsed="false" QFormat="true" Name="Intense Emphasis"></w:LsdException>  <w:LsdException Locked="false" Priority="31" SemiHidden="false"   UnhideWhenUsed="false" QFormat="true" Name="Subtle Reference"></w:LsdException>  <w:LsdException Locked="false" Priority="32" SemiHidden="false"   UnhideWhenUsed="false" QFormat="true" Name="Intense Reference"></w:LsdException>  <w:LsdException Locked="false" Priority="33" SemiHidden="false"   UnhideWhenUsed="false" QFormat="true" Name="Book Title"></w:LsdException>  <w:LsdException Locked="false" Priority="37" Name="Bibliography"></w:LsdException>  <w:LsdException Locked="false" Priority="39" QFormat="true" Name="TOC Heading"></w:LsdException> </w:LatentStyles></xml><![endif]--><!--[if gte mso 10]><style> /* Style Definitions */ table.MsoNormalTable	{mso-style-name:"Table Normal";	mso-tstyle-rowband-size:0;	mso-tstyle-colband-size:0;	mso-style-noshow:yes;	mso-style-priority:99;	mso-style-qformat:yes;	mso-style-parent:"";	mso-padding-alt:0in 5.4pt 0in 5.4pt;	mso-para-margin-top:0in;	mso-para-margin-right:0in;	mso-para-margin-bottom:10.0pt;	mso-para-margin-left:0in;	line-height:115%;	mso-pagination:widow-orphan;	font-size:11.0pt;	font-family:"Calibri","sans-serif";	mso-ascii-font-family:Calibri;	mso-ascii-theme-font:minor-latin;	mso-fareast-font-family:"Times New Roman";	mso-fareast-theme-font:minor-fareast;	mso-hansi-font-family:Calibri;	mso-hansi-theme-font:minor-latin;}</style><![endif]--><!--StartFragment--></p><p>In consideration of the payment by the Insured to the Company of an additional premium, it is hereby agreed that this insurance, as herein defined subject to the Special Conditions hereinafter contained, extends to include loss or damage directly caused by volcanic eruption. Volcanic eruption cover shall be specified only as losses arising from lava flow, pyroclastic ejects, glowing clouds and ashfall caused by the eruption of a volcano as recorded by the Philippine Institute of Volcanology and Seismology (excluding risk within 50 km radius from an active Volcano).</p><p>SPECIAL CONDITIONS</p><p>1. It is a condition of this insurance that the Insured undertakes to exercise all ordinary and reasonable precautions fo the maintenance and safety of the property.</p><p>2. Unless liability is specifically assumed by the amendment to this endorsement the Company shall not be liable for loss or damage to the following property:<br />(a) goods in the open, or<br />(b) drains, water courses, boundary walls, garden walls, retaining walls, gates, posts, fences, driveway roads, walks or bulkheads.</p><p>3. Unless liability is specifically assumed by the amendment to this endorsement, the Company shall not be liable for loss or damage to buildings 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 any building described in this policy not completely enclosed and roofed.</p><p>4. The Company shall not be liable for:<br />a. Loss or damage caused directly or indirectly by landslide, subsidence, cloudburst or explosion, whether incidental to volcanic eruption or not nor by their weather occurring during or after a volcanic eruption, nor by the neglect of the Insured to use all reasonable areas to save and preserve the property during and after a volcanic eruption.<br />b. Damage as a result of doors, windows, transoms or roof lights being left open, notwithstanding the existence or presence of volcanic eruption.<br />c. Loss or damage to any building, or the contents thereof, if on the happening of such loss or damage the building was already in a damaged, defective, fallen or displaced condition as regards foundations, walls, ceiling, roofs, roof gutters and flushing, roof lights, air vents, doors, windows and transoms.<br />d. Loss or damage occasioned by or through or in consequence of the action or order of any government or public authority.<br />e. Loss or damage to property which at the time of the happening of such loss or damage, is insured by or sold by or would, but for the existence of this policy, the insured by Marine or Plate Glass policy or policies.<br />f. Consequential loss or damage of any kind or description whatsoever<br /><br />5. In the event of this endorsement being surrendered by the Insured for cancellation, the Company shall retain a premium in accordance with the following scale for the time this endorsement has been enforce:<br />For 1 month................. 20% of the annual premium<br />For 2 month................. 30% of the annual premium<br />For 3 month................. 40% of the annual premium<br />For 4 month................. 50% of the annual premium<br />For 5 month................. 60% of the annual premium<br />For 6 month................. 70% of the annual premium<br />For 7 month................. 80% of the annual premium<br />For 8 month................. 90% of the annual premium<br />In excess of 8 months.... 100% of the annual premium.</p><p>6. It is understood and agreed that the Insured shall bear&nbsp;the first 2% of the sum insured on the affected item/s under this endorsement on any one occurrence.</p><p>7. Provided always that all the conditions of the policy to which this endorsement attached shall apply, except as they maybe hereby expressly varied, and that any reference therein to loss or damage by Fire shall be deemed to apply also to loss or damage directly caused by volcanic eruption.</p>', '', 1710, '', '2015-08-25 10:45:30', '2019-01-17 11:25:23', 14, 194),
(361, '1', 'FIR-WOR-CLA', 'WORKMEN''S CLAUSE', '<p>It is hereby declared and agreed that this insurance shall not be invalidated by workmen on the premises for the purpose of effecting repairs, minor alterations or general maintenance purposes and the like.</p>\n', '', 1715, '', '2015-08-25 10:46:16', '2017-12-12 13:00:37', 14, 194),
(362, '1', 'FIR-UNI-INS', 'UNIT OF INSURANCE', '<p>In the application of the Deductible Clause made part of this coverage each of the following shall be considered a separate Unit of Insurance:</p>\n\n<ol>\n	<li>each separate building or structure (including foundation) per policy valuation</li>\n	<li>contents of each building or structure per policy valuation</li>\n	<li>property in the open at each location per policy valuation</li>\n	<li>fully Annual Business Interruption/Loss or Gross Earnings/Rental Value which would have been earned in twelve (12) month period following the occurrence at the location where the physical loss occurs.</li>\n</ol>\n', '', 1715, '', '2015-08-25 10:46:53', '2015-08-25 10:47:09', 14, 14),
(363, '1', 'FIR-WAI-APP', 'WAIVER OF APPRAISAL CLAUSE', '<p>If the aggregate claim for any loss does not exceed of the sum Insured whichever is the less amount by the item or items affected, 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', '', 1720, '', '2015-08-25 10:49:02', '2015-08-25 10:52:07', 14, 14),
(364, '1', 'FIR-WAI-LOS', 'WAIVER OF APPRAISAL FOR LOSSES CLAUSE', '<p>In the event the aggregate claim for any loss is more than of the total amount of insurance upon the property described herein at the time of such loss occurs, no special inventory or appraisal of the undamaged property shall be required.</p>\n', '', 1725, '', '2015-08-25 10:49:49', '2015-08-25 10:49:49', 14, 14),
(365, '1', 'FIR-TAN-EXP', 'TANK EXPOSURE WARRANTY', '<p>It is warranted that no mineral oil, mineral spirits or liquid fuel or liquid products or mixture thereof (vegetable or mineral and by whatever name known) giving off inflammable vapor below------------ centigrade (close test) shall during the currency of this Policy be stored or deposited in the tank or tanks insured hereby and that such tank or tanks are not exposed to and higher rated risk within a distance of ____________meters.</p>\n', '', 1730, '', '2015-08-25 10:51:46', '2015-08-25 10:51:46', 14, 14),
(366, '1', 'WAR-FIR-EXT', 'WARRANTY FOR FIRE EXTINGUISHING APPLIANCES', '<ol>\n	<li>It is warranted that all Fire Extinguishing Appliances will be kept in working order during the currency of this policy.</li>\n	<li>The Insured hereby undertake to inspect the appliances every month and remedy promptly any defect disclosed by an such inspection or otherwise.&nbsp; Subject to the observance of the above undertaking this policy shall not be invalidated by an defect in any of the said appliances due to any circumstances unknown or beyond the control of the Insured.</li>\n</ol>\n', '', 1735, '', '2015-08-25 10:53:25', '2015-08-27 17:46:18', 14, 14),
(367, '1', 'WAR-HOT-WRK', 'WARRANTY FOR HOT WORK PERMIT SYSTEM', '<p>It is warranted that the Insured implement the use of a documented system for the use of the Hot Work Permits whilst contractors and/or its employees are engaged in the work involving the use of heat equipment on the Premises.</p>\n\n<p>The Insured shall also obtain a written confirmation from the contractor and/or communicate its guidelines to its employees, and that they are aware of the Insured&#39;s requirement that the precaution as stated on the Hot Work Permit will be adhere to.</p>\n', '', 1740, '', '2015-08-25 10:53:58', '2019-10-18 13:54:23', 14, 194),
(368, '1', '72-HRS-CLA', '72 HOURS CLAUSE', '<p>All insured losses which occur during a period of &nbsp;72 consecutive hours caused by:</p>\n\n<ol start="1" style="list-style-type: lower-alpha;">\n	<li>Earthquake, Earth Tremor, Seaquake, Tidal Wave or any other Loss from Seismic Activity Insured under this policy.</li>\n	<li>Volcanic Eruption.</li>\n	<li>Hurricane, Typhoon, Tornado, Windstorm, wind Driven Water or other Wind Peril Insured this policy.</li>\n	<li>Flood.</li>\n</ol>\n\n<p>shall be deemed a single loss occurrence for the purposes of this Insurance.</p>\n\n<p>Any such event which continues for a period exceeding 72 consecutive hours shall be deemed two or more events. The Insured may choose the date and time when each loss period of 72 hours shall commence provided that:</p>\n\n<ol start="1" style="list-style-type: lower-roman;">\n	<li>this is not earlier than the first recorded loss sustained by the insured.</li>\n	<li>the date of commencement falls within the period of this insurance.</li>\n	<li>No two or more periods of 72 hours shall overlap.</li>\n</ol>\n', '', 1745, '', '2015-08-25 10:55:04', '2015-08-27 17:47:20', 14, 14),
(370, '2', 'MAR-ERC-CLA', 'INSTITUTE EXTENDED RADIOACTIVE CONTAMINATION EXCLUSION CLAUSE', '<p>This clause shall be paramount and shall override anything contained in this insurance inconsistent therewith</p>\n\n<ol>\n	<li>In no case shall this insurance cover loss damage liability or expense directly or indirectly caused by or contributed to by or arising from\n	<ol start="1" style="list-style-type: lower-alpha;">\n		<li>ionising radiations from or contamination by radioactivity from any nuclear fuel or from any&nbsp;nuclear&nbsp; waste or from the combustion of nuclear fuel</li>\n		<li>the&nbsp; radioactive,&nbsp; toxic, explosive&nbsp; or&nbsp; other hazardous&nbsp; or&nbsp; contaminating properties of&nbsp;any&nbsp;nuclear installation, reactor or other nuclear assembly or nuclear component thereof</li>\n		<li>any weapon or device employing atomic or nuclear fission and/or fusion or other&nbsp;like&nbsp;reaction or radioactive force or matter</li>\n		<li>the radioactive,&nbsp; toxic,&nbsp; explosive&nbsp; or&nbsp; other&nbsp; hazardous&nbsp; or&nbsp; contaminating&nbsp;&nbsp;&nbsp; properties of any radioactive matter. The exclusion in this sub-clause does not extend to radioactive isotopes, other than nuclear fuel,&nbsp; when such isotopes are being prepared, carried, stored, or used for commercial, agricultural,&nbsp; medical,&nbsp; scientific&nbsp; or&nbsp; other similar peaceful purposes.</li>\n	</ol>\n	</li>\n</ol>\n', '', 1755, '', '2015-08-25 11:21:30', '2017-05-18 15:38:58', 14, 71),
(372, '2', 'MAR-INS-CLA', 'INSTITUTE CLASSIFICATION CLAUSE 01/01/2001', '<p><strong>QUALIFYING VESSELS</strong></p>\n\n<ol>\n	<li>This insurance and the marine transit rates as agreed in the policy or open cover apply only to&nbsp; cargoes and/or interests carried by mechanically self-&nbsp;propelled vessels of steel construction&nbsp; classed with a Classification Society which is<br />\n	&nbsp;\n	<ol start="1" style="list-style-type: lower-alpha;">\n		<li>a National Flag Society as defined in clause 4 below, but only where the vessel is engaged&nbsp;exclusively&nbsp; in the coastal trading of&nbsp; the&nbsp; nation (including trading on an inter-island route within an archipelago of&nbsp; which that nation forms part)</li>\n		<li>a Member or Associate Member of the International Association of&nbsp;Classification Societies&nbsp; (IACS),</li>\n	</ol>\n	</li>\n</ol>\n\n<ol>\n</ol>\n\n<p>Cargoes and/or interest carried by vessel not classed as above must be notified promptly to underwriters for rates and conditions to be agreed. Should a loss occur prior to such agreement being obtained cover may be provided but only if cover would have been available at a reasonable commercial market rate on reasonable commercial market terms.</p>\n\n<p><strong>AGE LIMITATION </strong></p>\n\n<ol>\n	<li>Cargoes and/or interests carried by Qualifying Vessels (as defined above) which exceed the following&nbsp; age limits will be insured on the policy or open cover conditions subject to an additional premium to be agreed</li>\n</ol>\n\n<p>Bulk or combination carriers over 10 years of age or other vessels over 15 years of age unless they:</p>\n\n<ol start="1" style="margin-left: 40px; list-style-type: lower-alpha;">\n	<li>have been used for the carriage of general cargo on an established and regular pattern of trading&nbsp; between a range of specified posts, and do not exceed 25 years of&nbsp; age, or</li>\n	<li>were constructed as containership vehicle carriers or double-skin open-hatch gantry crane&nbsp; vessels (OHGCs) and have&nbsp; been continuously used as such on an established and regular pattern of&nbsp; trading between a range of specified ports and&nbsp;&nbsp; do not exceed 30 years of age.</li>\n</ol>\n\n<p><strong>CRAFT CLAUSE</strong></p>\n\n<ol>\n	<li>The requirements of this clause do not apply to any craft used to load or unload the vessel within the&nbsp; port area.</li>\n</ol>\n\n<p><strong>NATIONAL FLAG SOCIETY</strong></p>\n\n<ol>\n	<li>A National Flag Society is a Classification Society which is domiciled in the same country as the owner of the vessel in question which must also operate under the flag of that country.</li>\n</ol>\n\n<p><strong>PROMPT NOTICE</strong></p>\n\n<ol>\n	<li>Where this insurance requires the assured to give prompt notice to the Underwriters&nbsp; the right to cover is dependent upon&nbsp; compliance with that obligation.</li>\n</ol>\n\n<p><strong>LAW AND PRACTICE</strong></p>\n\n<ol>\n	<li>This insurance is subject to English law and practice.</li>\n</ol>\n', '52,53,71,72,73,79,80,85', 1765, '', '2015-08-25 11:33:24', '2017-05-19 11:40:20', 14, 71),
(373, '2', 'MAR-PFC-CLA', 'POLITICAL RISKS, FINANCIAL GUARANTEE AND CREDIT RISK EXCLUSION CLAUSE', '<p>This Contract excludes any loss, liability, damage or expense arising from the following:</p>\n\n<ol>\n	<li>All forms of Contract Frustration Business including but not limited to non-performance of contractual obligations, import and/or export embargo, non-ratification of contracts, exchange transfer, calling of bonds and guarantees and force majeur indemnities.</li>\n	<li>Default under a lease, or any other form of financing contract.</li>\n	<li>Inability of an assured to recover funds or another consideration advanced under a contract to supply goods or services.</li>\n	<li>Any form of Financial Guarantee, Surety or Credit Indemnity, other than Salvage Guarantees.</li>\n	<li>Confiscation, Nationalization, Expropriation, Deprivation, unless such losses would be recoverable under the Institute War Clauses and/or the War sections of the relevant Institute War and Strikes Clauses or relevant London Aviation Clauses in current use at the inception of the contract, or at the time when war risks cover would have commenced under the original insurance within the terms of these clauses, whichever is the earlier; except that if the risks of war are covered in the original policy(ies) under clauses approved by the London Hull War Risks Joint Sub-Committee, or in respect of cargo interests under the Standards War Risks Clause of any country which complies with the limitations of the United Kingdom Waterborne Agreement, the foregoing proviso shall not apply.</li>\n	<li>The departure of the Assured&rsquo;s and/or project management personnel from any country, project or site in circumstances where:<br />\n	&nbsp;\n	<ol start="1" style="list-style-type: lower-alpha;">\n		<li>​such personnel have been advised by their own Government(s) (or officially accredited representative(s) thereof) to evacuate the country or region&nbsp;thereof:<br />\n		<br />\n		or<br />\n		&nbsp;</li>\n		<li>the Assured&rsquo;s most senior manager in any country (or if absent, his appointed deputy) has&nbsp;determined that conditions local to any project or site have reached a state of political instability which could reasonably be interpreted as endangering the lives and/or physical well-being of such personnel and has issued instructions of their evacuation.</li>\n	</ol>\n	</li>\n</ol>\n', '', 1765, '', '2015-08-25 11:42:12', '2015-08-28 10:25:19', 14, 14),
(374, '1,2,3,5', 'MAR-WAI-CLA', 'CIVIL CODE ARTICLE 1250 WAIVER CLAUSE', '<p>IT IS HEREBY DECLARED AND AGREED that the provision of Article 1250 of the Civil Code of the Philippines&nbsp; (Republic Act No. 386) which reads:</p>\n\n<ul style="list-style-type:circle">\n	<li>&ldquo;In case an extraordinary inflation or deflation in the currency stipulated&nbsp;&nbsp; should supervene, the value of the currency at the time of the establishment&nbsp; of the obligation shall be the basis of payment.&rdquo;. . .</li>\n</ul>\n\n<p>shall&nbsp; not&nbsp; apply&nbsp; in&nbsp; determining&nbsp; the&nbsp; extent&nbsp; of&nbsp; liability&nbsp; under&nbsp; the&nbsp; provisions&nbsp; of&nbsp; this&nbsp; Policy.</p>\n', '', 1765, '', '2015-08-25 11:45:50', '2017-09-07 15:50:11', 14, 169),
(375, '2', 'MAR-FIF-CLA', 'FIFTEEN (15) DAYS CLAUSE', '<p>Notwithstanding any provisions contained in or endorsed on the certificate or policy of insurance, it is hereby warranted that this insurance terminates not later than delivery either.</p>\n\n<ol start="1" style="list-style-type: lower-alpha;">\n	<li>to the&nbsp; Consignees&rsquo;&nbsp; or&nbsp; other&nbsp; final&nbsp; warehouse&nbsp; or&nbsp; place&nbsp; of storage at the&nbsp;destination named in the policy</li>\n	<li>to any&nbsp; other&nbsp; warehouse&nbsp; or&nbsp; place&nbsp; of&nbsp; storage,&nbsp; whether&nbsp; prior&nbsp; to or at the&nbsp;destination named in the policy which the Assured elect to use either\n	<ol start="1" style="list-style-type: lower-roman;">\n		<li>for storage other than in ordinary course of transit or</li>\n		<li>for allocation or distribution,</li>\n	</ol>\n	</li>\n	<li>on the expiry of 15 days after completion of discharge overside of the&nbsp;goods hereby insured from the oversea vessel at the final port of discharge,&nbsp;whichever shall first occur.</li>\n</ol>\n\n<p>It is further warranted that Survey for loss and/or damage must be held within 15 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>The time limits referred to above to be reckoned&nbsp; from midnight of the day on which the discharge overside of the goods hereby insured from the oversea vessel is completed.</p>\n', '52,53,71,72,73,79,80,85', 1770, '', '2015-08-25 11:49:34', '2017-04-25 15:09:21', 14, 169),
(376, '1,2,6', 'MAR-NUC-EXL', 'NUCLEAR EXCLUSION CLAUSE', '<ol>\n	<li>This policy does not cover :\n	<ol start="1" style="list-style-type:lower-alpha">\n		<li>loss or destruction of,&nbsp; or damage to any property whatsoever or any loss or&nbsp; expense whatsoever resulting or arising therefrom or any consequential loss;</li>\n		<li>any legal liability of whatsoever nature,&nbsp;directly or indirectly caused by, or contributed to by, or arising from, ionizing radiations or contamination by radioactivity from any nuclear fuel, or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this exclusion only combustion shall include any self-sustaining process of nuclear fission.<br />\n		&nbsp;</li>\n	</ol>\n	</li>\n	<li>The indemnity provided by this Policy shall not apply to nor include any loss destruction, damage or legal liability directly or indirectly caused by or contributed to , by, or arising from nuclear weapons material.</li>\n</ol>\n', '', 1775, '', '2015-08-25 11:58:28', '2020-09-02 10:50:55', 14, 228),
(377, '2', 'MAR-SAE-EXC', 'SEEPAGE AND POLLUTION EXCLUSION (SPEC 01.01.89)', '<p>This Agreement excludes claims in respect of liability incurred by any original insured for seepage, pollution or contamination on or over land or inland waters.</p>\n', '', 1780, '', '2015-08-25 12:00:03', '2015-08-25 12:00:03', 14, 14),
(378, '2', 'MAR-LEX-CLA', 'LIABILITY EXCLUSION CLAUSE “Bâ€ 01.12.90/ NON-MARINE LIABILITY EXCLUSION (NON LEC 01.10.87 AMENDED)', '<p>This Agreement excludes claims:</p>\n\n<ol>\n	<li>in respect of sums which any original insured becomes liable to pay to any other party.</li>\n	<li>products liability.</li>\n	<li>directors&rsquo; and officers&rsquo; liability.</li>\n	<li>liability under the Securities Exchange Act.</li>\n	<li>professional indemnity and errors and omissions.</li>\n</ol>\n', '', 1785, '', '2015-08-25 12:01:25', '2015-08-25 12:01:25', 14, 14),
(379, '2', 'MAR-NER-EXC', 'NUCLEAR ENERGY RISKS EXCLUSION (MARINE) – 01.01.89', '<p>This agreement excludes nuclear energy risks whether written directly or by way of reinsurance or via pools or associations.&nbsp; Under this Agreement the terms &ldquo;nuclear energy risks&rdquo; means any first or third party insurance in respect of:</p>\n\n<ol start="1" style="list-style-type: lower-roman;">\n	<li>nuclear reactors and nuclear power stations or plant;</li>\n	<li>any other premises or facilities concerned with\n	<ol start="1" style="list-style-type: lower-alpha;">\n		<li>the production of nuclear energy or</li>\n		<li>the production or storage or handling of nuclear fuels or nuclear waste.</li>\n	</ol>\n	</li>\n	<li>Any other premises or facilities eligible for insurance by any local nuclear pool or association but only to the extent of the requirements of the local pool or association</li>\n	<li>Nuclear or radioactive fuel, or nuclear or radioactive waste.</li>\n</ol>\n', '', 1790, '', '2015-08-25 12:05:22', '2015-08-28 10:34:46', 14, 14),
(382, '2', 'MAR-CDD-CLA', 'CONCEALED DAMAGE, DELAYED OPENING CLAUSE', '<p>It is understood and agreed that with respect to Assured&rsquo;s shipment, should the opening of any package after arrival be delayed, and loss or damage which can reasonably be shown to have occurred prior to delivery -o final destination be found when packages are eventually opened, but not later than <strong>ninety (90) days</strong> after arrival at final destination, such loss shall be adjusted and paid by the Assurer in the same manner as though the packages had been immediately opened upon arrival provided such loss or damage is otherwise recoverable under the terms and conditions of the open policy and prompt notice has been given to the Insurer for survey.</p>\n\n<p>Packages showing evidence of damage are to be opened immediately or coverage provided herein shall not apply to such packages.</p>\n\n<p>In the event that packages of the above-mentioned goods are not to be opened within the above-mentioned limit, additional time may be granted at rates to be agreed, provided notice to be given to the Assurer prior to the expiration of the time limit agreed upon.</p>\n', '', 1800, '', '2015-08-25 13:15:07', '2015-08-25 13:15:07', 14, 14),
(383, '2', 'MAR-RET-SHIP', 'RETURNED SHIPMENTS CLAUSE (Version 1)', '<p>Subject to the original insuring conditions this insurance shall cover equipment which needs to be sent back to, and returned from, manufacturer and/or repairers due to a problem occurring during the voyage. Cover in this respect is subject to prior advice and at rates, terms and conditions to be agreed by insurer.</p>\n', '', 1805, '', '2015-08-25 13:15:46', '2015-08-25 13:15:46', 14, 14),
(384, '2', 'MAR-LAB-CLA', 'LABEL CLAUSE (Version 1)', '<p>In case of damage affecting labels, capsules of wrappers, the Underwriters, if liable therefore under the terms of this Policy, shall not be liable for more than an amount sufficient to pay the cost of new labels, capsules or wrappers, and the cost of reconditioning the goods, but in no event shall the Underwriter be liable for more than the insured value of the damage merchandise.</p>\n', '', 1810, '', '2015-08-25 13:16:23', '2015-08-25 13:16:23', 14, 14),
(385, '2', 'MAR-BAI-CLA', 'BAILEE CLAUSE', '<p>Warranted that this insurance shall not inure, directly or indirectly, to the benefit of any carrier or bailee.</p>\n', '', 1815, '', '2015-08-25 13:18:35', '2015-08-25 13:18:35', 14, 14),
(387, '2', 'MAR-CAR-END', 'CARGO ISM ENDORSEMENT', '<p>Applicable to shipments on board Ro-Ro passenger ferries</p>\n\n<p>Applicable with effect from 1 July 1998 to shipments on board:</p>\n\n<ol>\n	<li>passenger vessels transporting more than 12 passengers and</li>\n	<li>oil tankers, chemical tankers, gas carriers, bulk carriers and cargo high speed craft of 500&nbsp; gt or more.</li>\n</ol>\n\n<p>Applicable with effect from 1 July 2002 to shipments on board all other cargo ships and mobile offshore drilling units of 500 gt or more.</p>\n\n<p>In no case shall this insurance cover loss, damage or expense where the subject matter insured is carried by vessel that is not ISM Code certified or whose owners or operators do not hold an ISM Code Document of Compliance when, at the time of loading of the subject matter insured on board the vessel, the Assured were aware, or in the ordinary course of business should have been aware:</p>\n\n<ol start="1" style="list-style-type: lower-alpha;">\n	<li>Either that such vessel was not certified in accordance with the ISM Code.</li>\n	<li>Or that a current Document of Compliance was not held by her owners or operators&nbsp;as required under the SOLAS Convention 1974 as amended.</li>\n</ol>\n\n<p>This exclusion shall not apply where this insurance has been assigned to the party claiming hereunder who has bought or agreed to buy the subject matter insured in good faith under binding contract.</p>\n', '', 1825, '', '2015-08-25 13:25:05', '2015-08-28 10:40:41', 14, 14),
(388, '2', 'MAR-SUB-WAR', 'SUBROGATION WARRANTY', '<p>The Assured warrants to disclose to the insurer prior to attachment of this insurance any fact, condition or agreement with any party, which may defeat, release or nullify the subrogatory rights of the insurer.&nbsp; Unless such disclosure prior to attachment of this insurance is made, and the fact, condition or agreement disclosed is allowed by the insurer and additional premium, if required, is paid, any breach of this warranty shall render the insurance null and void and absolutely prevent the Assured or Assignee from recovering under this policy.</p>\n', '', 1830, '', '2015-08-25 13:25:57', '2015-08-25 13:25:57', 14, 14),
(389, '4', 'PA-MAA-CLA', 'MURDER AND/OR ASSAULT CLAUSE', '<p><strong>IT IS HEREBY DECLARED AND AGREED</strong> that notwithstanding anything contained herein to the contrary, this Policy covers the Assured against DEATH OR PERMANENT DISABLEMENT caused by Unprovoked&nbsp; Murder or Assault or any attempt thereat for a capital sum insured of <strong><u>PESOS ONE MILLION (P1,000,000.00)</u> </strong>only, Philippine Currency.</p>\n\n<p><strong>HOWEVER</strong>, there shall be no coverage or recovery under this Policy for any loss due to Murder &amp; Assault whether provoked or unprovoked that occurs in any of the following provinces or places:</p>\n\n<ol>\n	<li>LANAO DEL NORTE</li>\n	<li>LANAO DEL SUR</li>\n	<li>SOUTH COTABATO</li>\n	<li>NORTH COTABATO</li>\n	<li>MAGUINDANAO</li>\n	<li>SULTAN KUDARAT</li>\n	<li>JOLO</li>\n	<li>SULU ARCHIPELAGO</li>\n	<li>ZAMBOANGA DEL NORTE</li>\n	<li>ZAMBOANGA DEL SUR</li>\n	<li>BASILAN</li>\n</ol>\n', '39', 1835, '', '2015-08-25 13:31:26', '2016-06-27 14:05:57', 14, 14),
(390, '1,4,5,6', 'FIR-PRE-WAT', 'POLITICAL RISKS EXCLUSION/WAR AND TERRORISM EXCLUSION ENDORSEMENT', '<p>Notwithstanding any provision to the contrary within this insurance or any endorsements thereto it is agreed that this insurance excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss;</p>\n\n<ol>\n	<li>war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power or</li>\n	<li>any act of terrorism</li>\n</ol>\n\n<p>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, of any person or group(s), of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.</p>\n\n<p>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 (1) and/or&nbsp; (2) above.</p>\n\n<p>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.</p>\n\n<p>In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and effect.</p>\n', '', 1840, '', '2015-08-25 13:42:15', '2017-04-05 23:33:28', 14, 169);
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
(391, '1,4', 'PA-CIRC', 'CIRCULAR', '<p><strong>IT IS HEREBY DECLARED AND AGREED</strong> that this Policy shall be subject to Insurance</p>\n\n<p>Commission Circular Letter No. 19-95 dated 24 July 1995 which provides as follows:-</p>\n\n<ol>\n	<li>This Policy shall terminate in the event of accidental death as provided therein upon its expiry.</li>\n	<li>In&nbsp; any&nbsp; policy&nbsp; year&nbsp; aggregate benefits payable under this Policy in respect of any&nbsp; one&nbsp; accident&nbsp; resulting in loss(es) within 180 days from date of accidents shall not exceed&nbsp; the&nbsp; principal&nbsp; sum&nbsp; (e.g.&nbsp; Loss of life, loss of both hands and feet, loss of sight of both eyes and either hand or foot, etc.)</li>\n	<li>In any&nbsp; policy year, the aggregate benefits payable under the Dismemberment/ Disability Benefits&nbsp; of the policy in&nbsp; respect of one&nbsp; or more accident(s) resulting&nbsp; in loss(es)&nbsp; within 180 days from date of accident(s) shall not exceed the principal sum (i.e. for subsequent accident resulting in any loss(es) which would make the aggregate benefits exceed the principal sum, the amount(s) payable under the Dismemberment/Disability benefit shall be the principal sum less the amount(s) paid for previous loss(es).&nbsp; However, the payment of the principal sum for such loss(es) shall not terminate the policy in so far as accidental death benefit is concerned.</li>\n	<li>In any policy year the amount of benefit payable for loss of life arising from independent/unrelated accident shall always be the principal sum.</li>\n	<li>Any partial payment already paid for loss(es) shall not be carried over in the subsequent policy&nbsp;&nbsp; year.&nbsp;&nbsp;&nbsp; (i.e. The&nbsp; amount&nbsp; of&nbsp; benefits&nbsp; to&nbsp; be&nbsp;&nbsp; paid&nbsp; in the succeeding&nbsp; policy year&nbsp; shall&nbsp;&nbsp; not&nbsp; be&nbsp;&nbsp; deducted&nbsp; by&nbsp; any&nbsp; amount&nbsp; paid in the preceding&nbsp; policy year.)</li>\n</ol>\n', '', 1845, '', '2015-08-25 14:33:39', '2019-01-18 10:53:56', 14, 194),
(392, '1,4', 'PA-GP', 'GROUP PROVISIONS', '<p><strong>ELIGIBILITY</strong></p>\n\n<p>The persons eligible for coverage under this Policy are all&nbsp;<strong><u>EMPLOYEES OF RACHEL F. AGUSTIN</u></strong>&nbsp;who are below sixty-five (65) years old. There shall be no coverage on an eligible person unless the name is declared and endorsed hereon.</p>\n\n<p><strong>INDIVIDUAL TERMINATION</strong></p>\n\n<p>The insurance of any person shall automatically terminate on the earliest of the following dates:</p>\n\n<ol>\n	<li>On the premium due date next following the date the insured Person reaches sixty-five (65) years of age;</li>\n	<li>On the premium due date next following the date the insured&nbsp; Person&nbsp; ceases&nbsp; to&nbsp; be&nbsp; eligible&nbsp; for insurance&nbsp;hereunder.</li>\n</ol>\n\n<p><strong>GROUP TERMINATION</strong></p>\n\n<p>All insurance under this Policy shall automatically terminate on the date this Master Policy is terminated.</p>\n', '', 1850, '', '2015-08-25 14:37:37', '2019-01-18 10:55:15', 14, 194),
(393, '6', 'CAS-CGL-EXP', 'CGL EXCEPTIONS WITH CANCELLATION ENDT', '<p><strong>ATTACHED TO AND FORMING PART OF ALLIEDBANKERS INSURANCE CORPORATION&nbsp;POLICY NO. CGL-8443</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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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>\n\n<p>Notwithstanding anything stated to the contrary, this Policy does <strong>NOT </strong>cover:</p>\n\n<ol>\n	<li>Any legal liability&nbsp; whatsoever&nbsp; caused&nbsp; by&nbsp; convulsion&nbsp;&nbsp; of&nbsp; nature&nbsp; including,&nbsp; but&nbsp; not&nbsp; limited&nbsp;to&nbsp;earthquake, typhoon, flood, thunderstorms, rainshowers and other similar occurrences.</li>\n	<li><strong>PRODUCTS LIABILITY</strong><br />\n	Bodily injury of Property Damage caused by the nature, condition or quality of the <strong>Insured&rsquo;s Product&nbsp;</strong>after they have ceased to be in the actual physical custody or under the control of the Insured.</li>\n	<li><strong>PROFESSIONAL LIABILITY</strong><br />\n	​Claims arising out of a breach of the duty owed in a professional capacity by the Insured and/or person whose breaches of such duty the Insured may be legally liable thereof.&nbsp;&nbsp; Consequently, it is hereby understood and agreed that the Insurer shall not be liable for claims in respect of:\n	<ol start="1" style="list-style-type:lower-alpha">\n		<li>Any welfare, first aid or emergency treatment provided by the Insured on the Insured&rsquo;s premises;</li>\n		<li>Bodily Injury or Property Damage occurring as a consequence of faulty or wrongful advice rendered by the Insured;</li>\n		<li>Property Damage to any property or product for which the Insured provided any design, plan specification, formula and/or pattern;</li>\n		<li>The direct or indirect activities of the Insured acting as a consultant or professional adviser to render services or to provide design, plan, specification, formula and/or pattern;</li>\n		<li>Bodily Injury and/or Property Damage of any firm, group or interest:\n		<ol style="list-style-type:lower-roman">\n			<li>owned, controlled or managed by the Insured, or</li>\n			<li>which owns, controls or manages the Insured&rsquo;s business.​</li>\n		</ol>\n		</li>\n	</ol>\n	</li>\n	<li><strong>ABSOLUTE POLLUTION LIABILITY</strong><br />\n	Bodily Injury or Property Damage arising out of the discharge, dispersal, release or escape of smoke, vapor, soot, fumes, acids, alkalis, toxic chemical, liquid or gases, waste materials or other irritants, contaminants or pollutants into or upon land, the atmosphere or any watercourse or body of water.&nbsp; The Insurer shall be not be liable for any cost or expense&nbsp;&nbsp; arising out of any governmental demand or request that an Insured test for, assess, monitor, clean-up, remove, contain, treat, detoxify or neutralize&nbsp;&nbsp; any&nbsp;&nbsp; such irritants, contaminants or pollutants.&nbsp; The Insurer shall not have the duty to defend any claim or suit seeking to impose such cost, expense, liability for such damages, or any other relief.</li>\n	<li><strong>RADIOACTIVE CONTAMINATION</strong><br />\n	Any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from:\n	<ol start="1" style="list-style-type:lower-alpha">\n		<li>Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear&nbsp;waste from the combustion of nuclear fuel, and/or</li>\n		<li>the radioactive,&nbsp; toxic,&nbsp; explosive&nbsp; or&nbsp; other&nbsp; hazardous&nbsp; properties&nbsp; or&nbsp; any&nbsp; explosive nuclear&nbsp;assembly or nuclear component thereof;</li>\n		<li>nuclear weapons materisls.<br />\n		<br />\n		For the purpose of this Exception only, combustion&nbsp;&nbsp; shall&nbsp;&nbsp; include&nbsp;&nbsp; any self-sustaining process of nuclear fission.​</li>\n	</ol>\n	</li>\n	<li><strong>ASBESTOS</strong><br />\n	Bodily Injury or Property Damage caused by or arising directly or indirectly out of or in connection with:\n	<ol start="1" style="list-style-type:lower-alpha">\n		<li>Any mining, handling, processing, manufacture, sale, transport, distribution, storage or use of asbestos, asbestos product or asbestos contained in any product;</li>\n		<li>Any installation, removal or treatment of asbestos materials.​</li>\n	</ol>\n	</li>\n	<li><strong>FINES OR PENALTIES/PUNITIVE/EXEMPLARY DAMAGES</strong><br />\n	Claims&nbsp;for&nbsp;fines&nbsp;or&nbsp;penalties&nbsp;imposed&nbsp;by&nbsp;statutes&nbsp;or&nbsp;regulations,&nbsp;and&nbsp;any&nbsp;punitive/exemplary damages whatsoever.</li>\n	<li><strong>WAR</strong><br />\n	Any consequences of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power, terrorism and subversion.</li>\n	<li><strong>EMPLOYER&rsquo;S LIABILITY</strong><br />\n	Bodily Injury to any Employee in the service of the Insured or claiming compensation from the Insured under any workman&rsquo;s compensation law or similar legislation as a workman in the service of the subcontractor of the Insured.</li>\n	<li><strong>CONTRACTUAL LIABILITY</strong>\n	<ol start="1" style="list-style-type:lower-alpha">\n		<li><strong>​</strong>Any liability that may arise out of the non-performance, non-completion or delay in completion of any contract or agreement or the payment of penalty sum, fines, or liquidated damages;\n		<ol start="1" style="list-style-type:lower-roman">\n			<li>Any liability assumed by the Insured under any contract, warranty or agreement unless such liability would have attached to the Insured notwithstanding such contract, warranty, or agreement;</li>\n			<li>Any liability assumed by the Insured under any contract, warranty or agreement by reason&nbsp;of waiver or limitation of the Insured&rsquo;s right of recovery against any other party.​</li>\n		</ol>\n		</li>\n	</ol>\n	</li>\n	<li><strong>INTENTIONAL ACT OF THE INSURED</strong><br />\n	Bodily Injury or Property Damage expected or intended from the standpoint of the Insured.</li>\n	<li><strong>LIABILITY FOR&nbsp; PROPERTY UNDER CARE, CUSTODY, CONTROL</strong><br />\n	Property Damage to property owned or in the care, custody or legal control of the Insured, or property upon which the Insured is or has been working on.</li>\n	<li><strong>AUTOMOBILE LIABILITY</strong><br />\n	The ownership, possession, or use of any mechanically propelled vehicle, except the use within the Insured&rsquo;s premises of a vehicle which is not licensed for road use and which is not subject to compulsory insurance requirement, whether such insurance is effected or not.</li>\n	<li><strong>WATERCRAFT, AIRCRAFT, OIL DRILLING PLATFORM</strong><br />\n	Physical Damage to watercraft or aircraft and Bodily Injury or Property Damage caused by or arising directly or indirectly out of or in connection with:\n	<ol start="1" style="list-style-type:lower-alpha">\n		<li>the ownership, existence, use, operation, loading or unloading by or on behalf of the Insured of\n		<ul>\n			<li>any watercraft, aircraft, hovercraft, oil drilling platform or rig,</li>\n			<li>any premises for the purpose of an airport or aircraft landing strip and all operations necessary or incidental thereto, or</li>\n		</ul>\n		</li>\n		<li>the repair, maintenance, servicing of or installation work in or on any watercraft, aircraft or other aerial device, oil drilling platform or rig.​</li>\n	</ol>\n	</li>\n	<li><strong>VIBRATION, REMOVAL OR WEAKENING OF SUPPORT</strong><br />\n	Bodily Injury or Property Damage caused by or arising from damage to land, building or other structures due to pile driving, subsidence or demolition, or resulting from the removal or weakening of support to such land, building or other structures, or claims arising in consequence of such damage.</li>\n	<li><strong>PREGNANCY/FETUS</strong>\n	<ol start="1" style="list-style-type:lower-alpha">\n		<li><strong>​</strong>Any injury caused by products whose main function is to prevent, induce or sustain pregnancy,</li>\n		<li>Abnormalities in pregnancy, injury to or anomalies of the ovum, embryo or fetus, congenital anomalies or diseases resulting from any products whatsoever.​</li>\n	</ol>\n	</li>\n	<li><strong>CANCELLATION ENDORSEMENT</strong><br />\n	NOTWITHSTANDING,&nbsp; what is stated in the printed conditions of the policy to the contrary, IT IS HEREBY DECLARED AND AGREED that the Insured may, at any time, cancel the policy by surrendering it to the company (provided no claim has arisen during the current period of insurance).&nbsp; In the event of such cancellation, the company shall refund the paid premium less the earned portion thereof to the Assured.&nbsp; Likewise this policy may be cancelled on the short rate basis set forth in the short rate cancellation table at the request of the Assured.</li>\n</ol>\n\n<p>All other terms &amp; conditions remain the same.</p>\n', '', 1855, '', '2015-08-25 15:25:19', '2017-03-26 20:54:28', 14, 203),
(395, '1', 'FIR-PAT', 'PROVISION APPLICABLE TO EXPLOSION', '<p>Loss of or damage to the property insured directly caused by explosion, but excluding loss of or damage to boilers, economizers, pipes, turbines, engines or other vessels, machinery or apparatus in which pressure is used or their contents, resulting from their explosion, and rotating parts of machinery, including the machinery itself, caused by centrifugal force.</p>\n\n<p>The following are not explosions within the intent or meaning of this endorsement:</p>\n\n<ol start="1" style="list-style-type: lower-alpha;">\n	<li>Concussion unless caused by explosion,</li>\n	<li>Electrical arcing,</li>\n	<li>Water hammer,</li>\n	<li>Rupture or bursting of water pipes</li>\n</ol>\n\n<p>Provided always that all the conditions of the Policy (except insofar as Condition No. 8(h) is hereby expressly varied) shall apply as if they had been incorporated herein and for the purpose hereof any loss or damage by explosion as aforesaid shall be deemed to be loss or damage within the meaning of this Policy.</p>\n\n<p><strong>SPECIAL CONDITIONS:</strong></p>\n\n<ol>\n	<li>The&nbsp; Company&nbsp; shall&nbsp; not&nbsp; be&nbsp; liable&nbsp; for&nbsp; loss&nbsp; or&nbsp; damage&nbsp; occasioned&nbsp; by&nbsp; or&nbsp; through&nbsp;&nbsp; or&nbsp; in consequence, directly or indirectly, of any act&nbsp; of any person acting on&nbsp; behalf of, or in connection with, any organization with activities directed towards the overthrow by force of&nbsp; the Government &ldquo;de Jure&rdquo; or &ldquo;de facto&rdquo;, or to the influencing of it by terrorism or violence.<br />\n	The Company shall not be liable, under this extension, for loss or damage occasioned by or through or in consequence, directly or indirectly, of acts of terrorism committed by a person or persons acting on behalf of or in connection with any organization.<br />\n	For the purpose of this endorsement an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.<br />\n	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.<br />\n	In any action, suit or other proceeding, where the Company alleges that by reason of the provisions of this Condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon the Insured.</li>\n	<li>If there shall be any other fire insurance on the property insured under this Policy, the Company shall be liable only pro-rata with such other fire insurance for any loss or damage by explosion whether or not such other fire insurance be extended to cover loss or damage by explosion.</li>\n	<li>The Company shall not be liable for loss or damage which at the time of the happening of&nbsp;&nbsp; such loss or damage is insured by or would, but for the existence of this insurance, be insured by any other existing policy or policies except in respect of any excess beyond the amount which would have been payable under such other policy or policies had this insurance not been effected.</li>\n</ol>\n', '', 1865, '', '2015-08-25 15:59:48', '2015-08-28 10:52:40', 14, 14),
(396, '1', 'FIR-AIR-VEH', 'PROVISIONS APPLICABLE TO AIRCRAFT & VEHICLE', '<p>The term vehicle as used herein means vehicles running on land or tracks but not aircraft.&nbsp; Loss by aircraft or by vehicles shall include only direct loss resulting from actual physical contact of an aircraft or a vehicle with the property covered hereunder or with the building containing the property covered hereunder, except that loss by aircraft include direct loss by objects falling therefrom.&nbsp;The Company shall not be liable, however, for loss:</p>\n\n<ol start="1" style="list-style-type: lower-alpha;">\n	<li>By any vehicle owned or operated by the Insured or by any tenant of the described premises;</li>\n	<li>By any vehicle to fences, driveways, walks or lawns</li>\n	<li>To any aircraft or vehicle including contents thereof other than stocks of aircraft or&nbsp;vehicles in process of manufacture or for sale.</li>\n</ol>\n', '', 1870, '', '2015-08-25 16:02:22', '2015-08-28 10:53:19', 14, 14),
(397, '1', 'FIR-PRO-SMO', 'PROVISIONS APPLICABLE TO SMOKE', '<p>The term Smoke as used in this endorsement means only smoke due to a sudden, unusual and faulty operation of any heating or cooking unit, only when such unit is connected to a chimney by a smoke pipe or by a vent, and while in or on the premises described in this policy, excluding however, smoke from fire places or industrial apparatus.</p>\n', '', 1875, '', '2015-08-25 16:04:27', '2015-08-25 16:04:27', 14, 14),
(398, '1', 'FIR-APP-EAVS', 'DEDUCTIBLE APPLICABLE TO EXPLOSION, AIRCRAFT, VEHICLE AND SMOKE', '<p>It is a understood and agreed that the Insured shall bear the first 1% of the sum insured on the affected item/s under this endorsement but not less than P1,000.00 nor more than P500,000.00 on any material damage loss from any of the above mentioned perils.</p>\n', '', 1880, '', '2015-08-25 16:05:19', '2015-08-25 16:05:19', 14, 14),
(399, '1', 'FIR-GCA-EAVS', 'GENERAL CONDITIONS APPLICABLE TO EXPLOSION, AIRCRAFT, VEHICLE AND SMOKE', '<ol>\n	<li style="margin-left: 0.3in;">It is a condition of this Insurance that the insured undertakes to exercise all ordinary and reasonable precautions for maintenance and safety of the property.</li>\n	<li style="margin-left: 0.3in;">The Company shall not be liable for loss or damages occasioned by or through or in consequence of the action or order of any government or public authority.</li>\n	<li style="margin-left: 0.3in;">In the event of this endorsement being surrendered by the Insured for cancellation, the Company shall retain a premium in accordance with the following scale&nbsp; for the time this endorsement has been in force:\n	<ul>\n		<li style="margin-left: 0.3in;">For 1 month - 20% of the annual premium</li>\n		<li style="margin-left: 0.3in;">For 2 months - 30% of the annual premium</li>\n		<li style="margin-left: 0.3in;">For 3 months - 40% of the annual premium</li>\n		<li style="margin-left: 0.3in;">For 4 months - 50% of the annual premium</li>\n		<li style="margin-left: 0.3in;">For 5 months - 60% of the annual premium</li>\n		<li style="margin-left: 0.3in;">For 6 months - 70% of the annual premium</li>\n		<li style="margin-left: 0.3in;">For 7 months - 80% of the annual premium</li>\n		<li style="margin-left: 0.3in;">For 8 months - 90% of the annual premium</li>\n		<li style="margin-left: 0.3in;">In excess of 8 months - 100% of the annual premium</li>\n	</ul>\n	</li>\n	<li style="margin-left: 0.3in;">Provided always that all the conditions on the policy&nbsp; to which this endorsement is attached shall apply, except as they may be hereby expressly varied, and that&nbsp; any reference therein to loss or damage by Fire shall be deemed to apply also to loss or damage directly caused by the above named perils.</li>\n</ol>\n', '', 1885, '', '2015-08-25 16:07:31', '2015-08-28 10:55:18', 14, 14),
(401, '4,5', 'CAS-PMPE', 'PREMISES MEDICAL PAYMENT ENDORSEMENT', '<p>Notwithstanding anything contained within the Printed Policy to the contrary and subject to the payment of additional premium, IT IS HEREBY DECLARED and AGREED THAT the Policy is extended to cover PREMISES MEDICAL PAYMENTS, subject to the following terms and conditions:</p>\n\n<ol start="1" style="list-style-type:upper-roman">\n	<li><strong>INSURING AGREEMENT</strong><br />\n	The Insurer will pay to or for each person, who sustains bodily injury caused by accidents, all reasonable medical expense incurred within one (1) year from the date of accident on account of such bodily injury provided such bodily injury arises out of:\n	<ol start="1" style="list-style-type:lower-alpha">\n		<li>conditions in the insured premises</li>\n		<li>operation with respect to which the named Insured is afforded coverage for Bodily Injury&nbsp;Liability under the Policy</li>\n		<li>the ownership, maintenance, operation, use, loading or unloading of any elevator/escalator​</li>\n	</ol>\n	</li>\n	<li><strong>LIMIT OF LIABILITY</strong><br />\n	The Liability of the Insurer for all Medical Payments under this Endorsement shall not exceed the limits stated in the Schedule of Coverage.</li>\n	<li>\n	<p><strong>EXCEPTION PARTICULAR TO PREMISES MEDICAL PAYMENTS</strong><br />\n	The Insurer shall not be liable for claims in respect of:</p>\n\n	<ol>\n		<li>\n		<p>Bodily Injury arising out of the ownership, maintenance, operation, use, loading or unloading of &ndash;</p>\n\n		<ol start="1" style="list-style-type:lower-alpha">\n			<li>\n			<p>any automobile or aircraft owned or operated by or rented or loaned to the named Insured, or</p>\n			</li>\n			<li>\n			<p>any other automobile or aircraft owned or operated by any&nbsp; person in the course of his employment by the Insured; but this Exception 1 does not apply to the parking of an automobile on the Insured premises, if such automobile is not owned by or rented or loaned to named Insured.</p>\n			</li>\n		</ol>\n		</li>\n		<li>\n		<p>Bodily Injury arising out of the ownership, maintenance, operation, use, loading or unloading of any watercraft, if the bodily injury occurs away from the insured premises.</p>\n		</li>\n		<li>\n		<p>Bodily Injury arising out of and in the course of the transportation of mobile equipment by an automobile owned or operated by or rented or loaned to the named Insured.</p>\n		</li>\n		<li>\n		<p>Bodily Injury included within the completed operations hazard or the product hazard.</p>\n		</li>\n		<li>\n		<p>Bodily Injury arising out of operations performed for the named Insured by independent contractors other than</p>\n\n		<ol start="1" style="list-style-type:lower-alpha">\n			<li>\n			<p>maintenance and repair of the Insured premises or</p>\n			</li>\n			<li>\n			<p>structural alterations at such premises which do not involve changing the size or moving building or other structures</p>\n			</li>\n		</ol>\n		</li>\n		<li>\n		<p>Bodily Injury resulting from the selling, serving or giving of any alcoholic beverage:</p>\n\n		<ol start="1" style="list-style-type:lower-alpha">\n			<li>\n			<p>in violation of any statute, ordinance or regulations</p>\n			</li>\n			<li>\n			<p>to a minor</p>\n			</li>\n			<li>\n			<p>to a person under the influence of alcohol or</p>\n			</li>\n			<li>\n			<p>which causes or contributes to the intoxication of any person, but this Exception 6 applies only if the named Insured is a person or organization engage in the&nbsp; business of manufacturing, distributing, selling or serving alcoholic beverages or is an owner or lessor of premises used for such purposes.</p>\n			</li>\n		</ol>\n		</li>\n		<li>\n		<p>Bodily Injury due to war, whether or not declared, civil war, insurrection, rebellion, revolution or terrorist action, or to any act or condition incident to any of the foregoing.</p>\n		</li>\n		<li>\n		<p>Bodily Injury to the named Insured, any partner therein, any tenant or other person regularly residing on the insured premises or any employee of any of the foregoing if the bodily injury arises out of and in the course of his employment therewith.</p>\n		</li>\n		<li>\n		<p>Bodily Injury to any other tenant if the bodily injury occurs on that part of the insured premises rented from the named insured or to any employee of such a tenant if the bodily injury occurs on the tenant&rsquo;s part of the insured premises and arises out of and in the course of his employment for the tenant.</p>\n		</li>\n		<li>\n		<p>Bodily Injury to any person if any benefits for such bodily injury are payable or required to be provident under any workmen&rsquo;s compensation or disability benefits law, or under any similar law.</p>\n		</li>\n		<li>\n		<p>Bodily Injury to any person practicing, instructing or participation in any physical training, sport, athletic activity or contest unless specifically covered under this Endorsement.</p>\n		</li>\n		<li>\n		<p>Medical Expense for services by the named Insured, any employee thereof or any person or organization under contract to the named Insured to provide such services.​</p>\n		</li>\n	</ol>\n	</li>\n	<li>\n	<p><strong>ADDITIONAL DEFINITIONS</strong><br />\n	When used in reference to this Endorsement:<br />\n	<br />\n	<strong>INSURED PREMISES </strong>means all premises owned by or rented to the named Insured with respect to which the named Insured is afforded coverage for Bodily Injury liability under the Policy, and includes the ways immediately adjoining on land.<br />\n	<br />\n	<strong>MEDICAL EXPENSE </strong>means expenses for necessary medical, surgical, X-ray and dental services, including prosthetic devices, and necessary ambulance, hospital, professional nursing and funeral services.</p>\n	</li>\n	<li>\n	<p><strong>ADDITIONAL CONDITION</strong><br />\n	Medical Reports, Proof and Payment of Claim<br />\n	As soon as practicable the injured person or someone on his behalf shall give the Insurer written proof or claim under oath if require, and shall, after each request from the Insurer, execute authorization to enable the Insurer to obtain medical reports and copies of records.&nbsp; The injured person shall submit to physical examination by physicians selected by the Insurer when and as often as the Insurer may reasonably require.&nbsp; The Insurer may pay the injured person or any person or organization rendering the services and the payment shall reduce the amount payable under this Endorsement for such injury.&nbsp; Payment under this Endorsement shall not constitute an admission of liability of any person or of the Insurer.</p>\n	</li>\n</ol>\n', '', 1895, '', '2015-08-25 16:48:07', '2017-07-19 13:12:45', 14, 194),
(402, '1,5', 'FIR-REIN-VAL', 'REINSTATEMENT VALUE ENDORSEMENT', '<p>It is hereby declared and agreed that notwithstanding what is stated in the printed conditions of this policy to the contrary, in the event of the property insured, which shall be kept in a state of through repair, under this policy being destroyed or damaged the basis upon which the amount payable under (each of the said Items of ) the policy is to be calculated shall be reinstatement of the property destroyed or damage, subject to the following special provisions and subject also to the terms and conditions of the policy except &nbsp;in so far as the same may be varied hereby.</p>\n\n<p>For the purpose of the insurance under this memorandum &quot;Reinstatement&quot; shall mean :</p>\n\n<p>The carrying out of the aftermentioned work, namely -</p>\n\n<p>(a) &nbsp;Where property is destroyed, the rebuilding of the property, if a building, or, in the case of other property, its replacement by the similar property, in either case in a condition equal to but not better or more extensive than its condition when new, provided the Alliedbankers Insurance Corporation - shall not be liable for any loss occasioned by the enforcement of any statute, municipal or city ordinance regulating the construction or repair of buildings.</p>\n\n<p>(b) &nbsp;Where property is damaged, the repair of the damage and the restoration of the damaged portion of the property to a condition substantially the same as but not better or more extensive than its condition when new.</p>\n\n<p>SPECIAL PROVISIONS</p>\n\n<p>1. The work of reinstatement (which may be carried out upon another site and in any manner suitable to the requirements of the Insured subject to the liabilities of the Alliedbankers Insurance Corporation not being thereby increased) must be commenced and carried out with reasonable dispatch and in any case must be completed within six months after the destruction or damage or within such further time as the Alliedbankers may (during the said six months) in writing allow, otherwise, no payment beyond the amount which would have been payable under the policy if this memorandum had not been incorporated therein shall be made.</p>\n\n<p>2. When any property insured under this memorandum is damaged or destroyed in part only the liability of the Alliedbankers Insurance Corporation shall not exceed the sum presenting the cost which the Alliedbankers Insurance Corporation could have been called upon to pay for reinstatement if such property had been wholly destroyed.</p>\n\n<p>3. No payment beyond the amount which would have been payable under the policy if this memorandum had not been incorporated therein shall be made until the cost of reinstatement shall have been actually incurred.</p>\n\n<p>4. Each item insured under this memorandum is declared to be separately subject to the following Condition of Average, namely :</p>\n\n<p>&nbsp; &nbsp;If at the time of reinstatement the sum representing the cost which would have been incurred in reinstatement if the whole of the property covered by such item had been destroyed, exceeds the sum insured thereon at the breaking out of any fire or at the commencement of any destruction of or damage to such property by any other peril thereby insured against, then the Insured shall be considered as being his own insurer for the excess and shall bear a ratable proportion of the loss accordingly.</p>\n\n<p>5. The Alliedbankers Insurance Corporation shall not be liable for the cost of removing the debris of the damage or destroyed property to be reinstated or replaced.</p>\n\n<p>6. No payment beyond the amount which would have been payable under the policy if this memorandum had not been incorporated therein shall be made if at the time of any destruction or damage to any property insured hereunder such property shall be covered by any other insurance effected by or on behalf of the Insured which is not upon the identical basis of reinstatement set forth herein.</p>\n\n<p>7. When the Insured is unable or unwilling to replace or reinstate the property destroyed or damaged on the same or another site or where by reason of any of the above special provisions no payment is to be made beyond the amount which would have been payable under the policy if this memorandum had not been incorporated therein the rights and liabilities of the Alliedbankers Insurance Corporation and the Insured in respect of the destruction or damage shall be subject to the terms and conditions of the policy, including any Condition of Average therein, as if this memorandum had not been incorporated therein.</p>\n', '', 1900, '', '2015-08-25 16:55:54', '2017-06-27 16:59:37', 14, 175),
(403, '1', 'FIR-RIO-END', 'RIOT FIRE ENDORSEMENT', '<p>In consideration of the payment of an additional premium, it is hereby agreed and declared that notwithstanding anything in the within written Policy contained to the contrary the insurance under this policy shall extend to cover Riot Fire damage which for the purposes of this Endorsement shall mean (subject always to the Special Conditions hereinafter contained)</p>\n\n<p>Loss of or damage to the property insured by Fire directly caused by:-</p>\n\n<ol>\n	<li>The act of any person taking part together with others in any disturbance of the public peace (whether in connection with a strike or lock-out or not) not being an occurrence mentioned in Condition 6 of the Special Conditions hereof.</li>\n	<li>The action of any lawfully constituted authority in suppressing or attempting to suppress any such&nbsp;disturbance or in minimizing the consequences of any such disturbance.</li>\n</ol>\n', '', 1905, '', '2015-08-25 17:11:53', '2015-08-28 11:08:26', 14, 14),
(404, '1', 'FIR-SPE-CON', 'SPECIAL CONDITIONS', '<p>For the purposes of this Endorsement but not otherwise there shall be substituted for the respectively numbered conditions of the Policy the following:-</p>\n\n<p><strong><u>CONDITION 5.</u></strong></p>\n\n<p>This insurance does not cover:-</p>\n\n<ol start="1" style="list-style-type:lower-alpha">\n	<li>Loss or damage occasioned by or through or in consequence of explosion.</li>\n	<li>Loss by theft during or after the occurrence of a fire.</li>\n	<li>Loss of earnings, loss by delay, loss of market or other consequential or indirect loss&nbsp;or damage of any kind or description whatsoever.</li>\n	<li>Loss or damage resulting from total or partial cessation of work or the retarding or&nbsp;interruption or cessation of any process or operation</li>\n	<li>Loss or damage directly or indirectly caused by or arising from or in consequence of or contributed to by nuclear weapons material.</li>\n	<li>This insurance does not cover loss or damage directly or indirectly caused by or arising&nbsp;from or in consequences of or contributed to by ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.&nbsp; For the purposes of this Condition No. 5 only combustion shall include any self-sustaining process of nuclear fission.</li>\n</ol>\n\n<p><strong><u>CONDITION 6.</u></strong><u>.</u></p>\n\n<p>This insurance does not cover any loss or damage occasioned by or through or in consequence, directly or indirectly of any of the following occurrences, namely:-</p>\n\n<ol start="1" style="list-style-type:lower-alpha">\n	<li>War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), civil war.</li>\n	<li>Mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, insurrection, rebellion, revolution,&nbsp; military or usurped power.</li>\n	<li>Acts of terrorism committed by a person or persons acting on behalf of or in connection with any organization.</li>\n</ol>\n\n<p>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 persons or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.</p>\n\n<p>This endorsement also excludes loss, damage, cost or expense or 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.</p>\n\n<p>In any action, suit or other proceeding, where the Company alleges that by reason of the provisions of this condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon the Insured.</p>\n\n<p>Amended per Insurance Commission letter dated March 27, 2002</p>\n\n<p><strong><u>CONDITION 8.</u></strong></p>\n\n<p>Unless otherwise expressly stated in the Policy this insurance does not cover:-</p>\n\n<ol start="1" style="list-style-type:lower-alpha">\n	<li>Goods held in trust or on commission.</li>\n	<li>Bullion or unset precious stones.</li>\n	<li>Any curiosity or work of art for an amount exceeding P200.</li>\n	<li>Manuscripts, plans, drawings or designs, patterns, models or moulds.</li>\n	<li>Securities, obligations or documents of any kind, stamps, coined or paper money cheques, books of account or other business books, computer systems records</li>\n	<li>Explosives&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; .</li>\n</ol>\n\n<p><strong><u>CONDITION 11.</u></strong></p>\n\n<p>This&nbsp; insurance may at any time be terminated by the Company on notice to that effect being given to the Insured, in which case the Company shall be liable to repay a ratable proportion of the premium for the unexpired term from date of cancelment.&nbsp; If the insurance be terminated at the request of the Insured, the Company shall not be liable to repay the premium or any part of it except in so far as the Insurance applies to stocks in respect of which the Company shall retain a premium calculated according to its customary short period scale for the time the said insurance has been in force.</p>\n\n<p><strong><u>CONDITION 13.</u></strong></p>\n\n<p>On the happening of any loss or damage the Insured shall&nbsp; forthwith give notice thereof to the Company and shall within 15 days after the loss or damage or, such further time as the Company may in&nbsp;writing allow in that behalf, deliver to the Company.</p>\n\n<ol start="1" style="list-style-type:lower-alpha">\n	<li>a claim in writing for any loss or damage containing as particular an account as may be reasonably practicable of all the several articles or items of property in respect of&nbsp;which&nbsp;the claim is made, and of the amount of the loss or damage thereto respectively, having regard to their value at the time of the loss or damage, not including profit of any kind.</li>\n	<li>particulars of&nbsp; all other insurances, if any,</li>\n</ol>\n\n<p>Insured shall also at all times at his own expense produce, procure and give to the Company 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 and cause of the fire and the circumstances under which the loss or damage occurred, and any matter touching the liability or the amount of the liability of the Company as may be reasonably required by or on behalf of the Company together with a declaration on oath or in other legal form of the truth of the claim and of any matters connected therewith.</p>\n\n<p>No claim under this Policy shall be payable unless the terms of this Condition have been complied with.</p>\n\n<p>In any action, suit or other proceeding, the burden of proving that no part of the loss or damage in respect of which the claim is made was caused otherwise than by fire shall be upon the Insured.</p>\n\n<p><strong><u>CONDITION 20.</u></strong></p>\n\n<p><u>(Where the Fire is not subject to Average.)</u></p>\n\n<p>In all cases where any other subsisting insurance or insurances effected by the Insured or by any other person or persons covering any of the property hereby insured, either exclusively or together with any other property in and subject to the same risk only, shall be subject to average , the insurance on such property under this Endorsement shall be subject to average in like manner, but in any event the Company shall not be liable to pay or contribute in respect of any loss or damage beyond the proportion which the sum insured by this Endorsement shall bear to the total insurance, whether effected by the Insured or&nbsp;&nbsp;&nbsp; not, on the same property against ordinary fire loss.</p>\n\n<p>PROVIDED that it is hereby further expressly agreed and declared that -</p>\n\n<ol>\n	<li>All the Conditions of this Policy shall apply in all respects to the insurance granted by this extension save in so far as the same are expressly varied by the above Special Conditions and any reference to fire in the Conditions of the Policy shall be deemed to include the perils hereby insured against.</li>\n	<li>The Special Conditions herein shall apply only to the insurance granted by this extension and the Conditions of the Policy shall apply in all respects to the insurance granted by the Policy as if this Endorsement had not been made thereon.</li>\n</ol>\n', '', 1910, '', '2015-08-25 17:25:49', '2015-08-28 11:15:01', 14, 14),
(405, '1', 'FIR-ROB-END', 'ROBBERY ENDORSEMENT', '<p>In consideration of the payment by the Insured to the Company of an additional premium (included in the Bill) it is hereby declared and agreed that this policy shall also cover loss or damage to the insured property as a result of robbery (*) or any attempt or frustration thereat, excluding however, any loss or damage caused by dishonest, fraudulent, or criminal act or omission on the part of the Insured, or other parties in interest, his/her/their employees, agents, or authorized representative or others to whom the Insured property may be left or in whose care, custody or control said property is entrusted.</p>\n\n<p>PROVIDED ALWAYS, that all conditions of this Policy (including warranties, clauses and/or endorsements thereto), shall also apply to the herein risk (except only in so far as said condition or conditions may have been expressly waived or excluded hereunder), and that any reference in the Policy to loss or damage by fire shall be deemed to apply to loss or damage directly caused by robbery.</p>\n\n<p>This endorsement shall not extend to nor cover:-</p>\n\n<p>Loss or damage due to any robbery, burglary or theft or to any attempt threat by or in collusion with and or the Insured family business staff or domestic servants.</p>\n\n<p>Losses due to theft or mysterious &amp; unexplained disappearance.</p>\n\n<p>Loss or damage by any person due to robbery/burglary not following upon violent and forcible entry or exit from the Premises occupied by the Insured as defined above.</p>\n\n<p>Loss or damage arising from any consequences of Flood, Typhoon, Hurricane,&nbsp; Windstorm, Volcanic Eruption, Subterranean Fire, Earthquake, or other Convulsion of Nature, War, Invasion, Act of foreign Enemy, Hostilities (whether&nbsp; war be declared or not), Civil War, Rebellion, ,Mutiny, Revolution, Insurrection or Military or Usurped Power, riot or Strike, Military of&nbsp; Popular&nbsp; Rising, or looting, Sacking, or&nbsp; Pillage in connection therewith, radioactivity, atomic, fission, or atomic fusion whether controlled or otherwise or nuclear incident.</p>\n\n<p>Loss or damage upon the occasion of or consequent upon the fire or explosion or loss or damage which can be insured against by a fire or plate glass insurance policy.</p>\n\n<p>Loss or damage to deeds, bonds, bills of exchange, promissory notes, money or securities for money, stamps, stamps or coin collection, plans, patterns, models, molds, designs, documents, or business books or manuscripts, unless the same specifically insured hereunder.</p>\n\n<p>The insured upon knowledge of any loss or damage recoverable under this clause shall give immediately a detailed report of said loss or damage to the Company and to the Police having jurisdiction, as a condition precedent for indemnification by the Company.</p>\n\n<p>In the event of loss or damage for which claim is made under this endorsement, the Insured shall, at the request and expense of the Company take legal action to secure the arrest and prosecution of the offenders and the recovery of the property.</p>\n\n<p>It is further understood and agreed that the thing (**) containing the insured property shall not be left without any lawful occupant for more than a continuous period of seven (7) days. Breach of this condition shall render this Policy null and void and the Company shall in no case whatsoever be liable for any loss or damage which may occur after the expiration of said period.</p>\n\n<p>The company shall at any time by giving notice in&nbsp; writing to the Insured by registered letter at&nbsp; his address as last known to the company be at liberty to determine and cancel this endorsement as from the date of such notice provided that the company shall in that event return to the Insured a proportionate part of the premium corresponding to the unexpired term of the Policy, by like notice to the Company , the Insured may at any time similarly determine and cancel this endorsement in which case the Company will retain the customary short period rate to the time this endorsement has been force.</p>\n\n<p>(*) ROBBERY -&nbsp;shall mean robbery as defined below in Article 293 of the Revised Penal Code of&nbsp; the&nbsp;Philippines</p>\n\n<p>Act No. 3815 - any person who, with intent to gain, shall take any personal property belonging to&nbsp;another, by means of violence against or intimidation of any person, or using force upon&nbsp;anything shall be guilty of robbery.</p>\n\n<p>(**) THING - shall include building, apartment, office, room etc.</p>\n\n<p><strong>Limits:&nbsp;<br />\nDeductible:</strong></p>\n', '', 1915, '', '2015-08-25 17:31:33', '2015-08-28 11:16:17', 14, 14);
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
(406, '1', 'FIR-BUR-END', 'BURGLARY ENDORSEMENT', '<p>In consideration of the payment by the Insured to the Company of an additional premium, it is hereby declared and agreed that this policy shall also cover loss or damage to the insured property as a result of burglary, excluding however any loss or damage caused by dishonest, fraudulent, or criminal act or omission on the part of the Insured, or other parties in interest, agents or authorized representatives or others to whom the Insured property may be left or in whose care, custody or control said property is entrusted.</p>\n\n<p>BURGLARY as herein used shall mean the felonious abstraction of the insured property from within the premises, by any person or persons making felonious entry therein by actual force or violence, of which there shall be visible marks made upon the exterior of the premises at the place of such entry as evidence that such entry was made by actual force and violence.&nbsp; The term &ldquo;premises&rdquo; under this endorsement shall not include a yard, garden or outbuilding and other appurtenances unless the contents thereof are specifically insured under this endorsement.</p>\n\n<p>PROVIDED ALWAYS, that all conditions of this Policy (including warranties, clauses and/or endorsements thereto), shall also apply to the herein risk (except only in so far as said condition or conditions may have been expressly waived or excluded hereunder), and that any reference in the Policy to loss or damage by fire shall be deemed to apply to loss or damage directly caused by burglary.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</p>\n\n<p>Provided that in the event of the building containing the Insured property being left without an inhabitant therein for a continuous period of more than seven days the insurance against the perils of burglary shall be suspended, unless otherwise previously agreed by endorsement hereon.</p>\n\n<p>This endorsement shall not extend to nor cover:-</p>\n\n<p>Loss or damage due to any robbery, burglary or theft or to any attempt threat by or in collusion with and or the Insured family business staff or domestic servants.</p>\n\n<p>Losses due to theft or mysterious &amp; unexplained disappearance.</p>\n\n<p>Loss or damage by any person due to robbery/burglary not following upon violent and forcible entry or exit from the Premises occupied by the Insured as defined above.</p>\n\n<p>Loss or damage arising from any consequences of Flood, Typhoon, Hurricane,&nbsp; Windstorm, Volcanic Eruption, Subterranean Fire, Earthquake, or other Convulsion of Nature, War, Invasion, Act of foreign Enemy, Hostilities (whether&nbsp; war be declared or not), Civil War, Rebellion, ,Mutiny, Revolution, Insurrection or Military or Usurped Power, riot or Strike, Military of&nbsp; Popular&nbsp; Rising, or looting, Sacking, or&nbsp; Pillage in connection therewith, radioactivity, atomic, fission, or atomic fusion whether controlled or otherwise or nuclear incident.</p>\n\n<p>Loss or damage upon the occasion of or consequent upon the fire or explosion or loss or damage which can be insured against by a fire or plate glass insurance policy.</p>\n\n<p>Loss or damage to deeds, bonds, bills of exchange, promissory notes, money or securities for money, stamps, stamps or coin collection, plans, patterns, models, molds, designs, documents, or business books or manuscripts, unless the same specifically insured hereunder.</p>\n\n<p>The insured shall within 7 days of his knowledge of any loss or damage recoverable under this endorsement give a detailed written report with an estimate of the intrinsic value of said loss or damage to the Company and to the Police having jurisdiction as a condition precedent for the indemnification by the Company.</p>\n\n<p>In the event of loss or damage for which claim is made under this endorsement, the Insured shall, at the request and expense of the Company, take legal action to secure the arrest and prosecution of the offenders and the recovery of the property.</p>\n\n<p>The Company may reinstate, repair or replace the property lost or damaged as the case may be instead of paying the amount of the loss or damage and may join with other insurers doing in case where the property is also insured elsewhere.&nbsp; Any lost property paid for under this Policy shall belong to the Company.</p>\n\n<p>The Insured shall take all necessary precautions for the safety of the property of the insured as regards selection and suspension of employees, securing all existing protective devices on all doors and windows and other means of entrance as otherwise, and shall not do, suffer or permit anything whereby the risk of the Company shall be increased.&nbsp; This Policy shall cease to be in force so far as regards any of the property or articles thereby insured if the Insured shall make any change or alteration in the premises of the property insured therein or otherwise so that the particulars and information set forth in the proposal to the Insured are no longer a correct statement of the facts.</p>\n\n<p>The company shall at any time by giving notice in&nbsp; writing to the Insured by registered letter at&nbsp; his address as last known to the company be at liberty to determine and cancel this endorsement as from the date of such notice provided that the company shall in that event return to the Insured a proportionate part of the premium corresponding to the unexpired term of the Policy, by like notice to the Company , the Insured may at any time similarly determine and cancel this endorsement in which case the Company will retain the customary short period rate to the time this endorsement has been force.</p>\n\n<p>Warranted the coverage under this Policy shall cease immediately upon transfer or removal of the Insured property from the premises indicated in the Policy and/or endorsements attached hereto.</p>\n\n<p><strong>Limits:<br />\nDeductible:</strong></p>\n', '', 1920, '', '2015-08-25 17:35:38', '2015-08-28 11:17:05', 14, 14),
(408, '3,5', 'MC-FIR-FFE', 'FIRE FIGHTING FACILITIES ENDORSEMENT', '<p>IT IS HEREBY DECLARED AND UNDERSTOOD that otherwise subject to the terms, provision and conditions contained in the Policy or endorsed thereon, the Insurer shall only indemnify the Insured for loss or damage resulting directly or indirectly from fire and/or explosion if the following requirements are fulfilled:</p>\n\n<ol>\n	<li>Adequate fire-fighting equipment and extinguishing agents of sufficient capacity shall always be available at the site and ready for immediate use.</li>\n	<li>A sufficient number of workmen shall be fully trained in the use such equipment and shall be available for immediate intervention at all time.</li>\n	<li>If storage of material for the construction or erection of the contract works is necessary, storage shall be subdivided into storage units not exceeding the value stated below per unit. The individual storage units shall either be at least 50 m apart or separated by fire-proof walls. All inflammable material (such as shuttering material not fitted for concreting litter, etc.) and especially all inflammable liquids and gases shall be stored at a sufficiently large distance from the property under construction or erection and any hot work.</li>\n	<li>Welding, soldering or the use of an open flame in the vicinity of combustible materials is only permitted if at least one workman suitably equipped with extinguishers and well trained in fire-fighting is present.</li>\n	<li>At the beginning of testing all fire-fighting facilities designed for the operation of the plant shall be installed and serviceable unit.</li>\n</ol>\n\n<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Value per storage unit:</p>\n\n<p>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\n<p>This endorsement is effective:&nbsp;May 14, 2015</p>\n\n<p>Attached to and forming part of this Policy No.&nbsp;CAR-2015-0011</p>\n\n<p>of Alliedbankers&nbsp;Insurance Corporation</p>\n', '', 1930, '', '2015-08-26 11:31:17', '2017-03-26 21:03:06', 14, 203),
(409, '3,5', 'MC-AEX-END', 'ASBESTOS EXCLUSION ENDORSEMENT', '<p>This contract excludes all claims and losses based upon, arising out of, directly or indirectly resulting from or in consequences of, or any way involving out of any other cause.</p>\n\n<ul>\n	<li>Asbestos<br />\n	any actual alleged asbestos related injury or damage involving the uses,<br />\n	presence, existence, detection, removal, elimination or avoidance of<br />\n	asbestos or exposure or potential exposure to asbestos.&nbsp;</li>\n</ul>\n\n<p><strong>Nothing herein contained shall be held to vary, alter waive or change any of the terms, limits or conditions of the Policy except as hereinabove set forth.</strong></p>\n\n<p>This endorsement is effective: May&nbsp;15,&nbsp;2015</p>\n\n<p>Attached to and forming part of Policy No.&nbsp;CAR-2015-0011</p>\n\n<p><strong>of Alliedbankers Insurance Corporation</strong></p>\n', '', 1935, '', '2015-08-26 11:35:22', '2017-03-26 20:48:57', 14, 203),
(410, '1,3,5', 'MC-CL-END', 'CROSS LIABILITY ENDORSEMENT', '<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 the Insured shall be considered as applying to each party in the same manner as if a separate policy has been issued to each of the said parties and the Insurers hereby agree to waive all rights of subrogation or action which they may have acquire against any of the aforesaid parties arising out of any occurrence in respect of which any claim is made hereunder provided nevertheless that nothing in this clause shall be deemed to increase the limit of the Insurer&#39;s Liability in respect of any one loss or series of losses as stated herein.</p>\n', '', 1940, '', '2015-08-26 11:39:52', '2020-10-12 13:51:20', 14, 194),
(411, '3,5', 'MC-CR-CLA', 'CLAIMS REPORTING CLAUSE', '<p>The insured shall , upon knowledge of any loss or losses which may give rise to a claim&nbsp; under this policy immediately advise the insurer,&nbsp; at the latest within seven (7) days from knowledge of such loss or losses.</p>\n\n<p>The insured shall furnish the insurer with all information available respecting such loss or losses.</p>\n\n<p>Nothing herein contained shall be held to vary, alter waive or change any of the terms, limits or conditions of the Policy except as hereinabove set forth.</p>\n\n<p>This endorsement is effective:&nbsp;May 14, 2015</p>\n\n<p>Attached to and forming part of Policy No. CAR-2015-0011</p>\n\n<p>of Alliedbankers&nbsp;Insurance Corporation</p>\n', '', 1945, '', '2015-08-26 11:43:11', '2017-03-26 20:55:42', 14, 203),
(417, '3', 'MC-BHT-COV', 'EXCLUSION OF BURGLARY, HOUSEBREAKING OR THEFT COVER', '<p>Notwithstanding anything contain herein to the contrary it is hereby understood and agreed that under Section III of this policy the company shall not be liable to indemnify the Insured against loss or damage by burglary, housebreaking or theft. However, this shall not be construed to exclude damage to the insured vehicle caused by trespass to dwelling.</p>\n\n<p>Subject otherwise to the terms of this policy.</p>\n', '', 1975, '', '2015-08-26 13:49:17', '2016-09-27 14:35:37', 14, 14),
(418, '3', 'MC-END-EXS', 'ADDITIONAL EXCEPTION TO SECTION III', '<p>Notwithstanding anything stated to the contrary, it is hereby declared and agreed that the following exclusion is added to Exceptions to Section III (Own Damage/Theft) of this policy.</p>\n\n<p>The company shall not be liable to pay for:</p>\n\n<ul>\n	<li>Loss or damage whilst the insured vehicle is not on land or whilst on board watercraft.</li>\n</ul>\n\n<p>All other terms and conditions remain the same.</p>\n', '20,17,18,19,21', 1980, '', '2015-08-26 13:51:46', '2020-05-19 18:40:40', 14, 72),
(419, '3', 'MC-AOG-END', 'ACTS OF GOD (AOG) ENDORSEMENT', '<p>Notwithstanding anything stated to the contrary, this policy is extended to include loss or damage proximately caused by earthquake, hurricane/typhoon, flood, and volcanic eruption, subject to the deductible schedule below:</p>\n\n<p>It is a condition precedent to any liability of the Company to make any payment under this policy that the Insured undertakes to exercise all ordinary and reasonable precautions for the maintenance and safety of the vehicle insured.</p>\n\n<p><strong>Earthquake</strong></p>\n\n<p>All losses caused by earthquake or series of earthquakes (whether continuous or sporadic and whether or not due to the same seismic conditions) during each period of 72 consecutive hours commencing from the first tremor shall be considered as arising out of one occurrence.</p>\n\n<p>No consequential loss or damage of any kind or description nor any loss or damage caused by confiscation or willful destruction by Government or any Municipal Authority is covered.</p>\n\n<p><strong>Typhoon/Hurricane</strong></p>\n\n<p>The term &ldquo;Typhoon&rdquo; as used in this endorsement shall be understood to mean a Typhoon or Storm as recorded by the Weather Bureau.</p>\n\n<p>The company shall not be liable for:</p>\n\n<ol start="1" style="list-style-type: lower-alpha;">\n	<li>Loss or damage caused directly or indirectly by flood, tidal wave, high water or overflow whether driven by wind or not.&nbsp; 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.</li>\n	<li>Loss or damage caused directly or indirectly by landslides, subsidence, cloudburst or explosion, whether incidental to typhoon 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 typhoon.</li>\n	<li>Loss or damage caused by rain whether driven by wind or not, unless the vehicle insured shall first sustain an actual damage to the vehicle by the direct force of a Typhoon and shall then be liable for such loss or damage to the vehicle therein as maybe caused by rain entering the vehicle through openings made by direct action of such Typhoon.</li>\n	<li>Water damage as a result of doors, windows, or other vehicle openings being left open, notwithstanding the existence or presence of Typhoon.</li>\n	<li>Loss or damage to any vehicle, or the contents thereof, if on the happening of such loss or damage the vehicle was already in damaged, defective, fallen or displaced condition as regards doors, windows and other vehicle openings.</li>\n	<li>Loss or damage occasioned by or through or in consequence of the action or order of any government or public authority.</li>\n	<li>Consequential loss or damage of any kind whatsoever.</li>\n</ol>\n\n<p><strong>Flood</strong></p>\n\n<p>The term &ldquo;Flood&rdquo; is defined as the entry of water into the premises insured, from without, due to the inundation of land not usually covered by water;</p>\n\n<ol start="1" style="list-style-type: lower-alpha;">\n	<li>by reason of an extra ordinary high tide or</li>\n	<li>following Typhoon, Cyclone, and /or Windstorm or</li>\n	<li>due to the bursting or overflowing of rivers, reservoirs, canal and the like.</li>\n</ol>\n\n<p>The company shall not be liable for:</p>\n\n<ol start="1" style="list-style-type: lower-alpha;">\n	<li>Loss or damage caused directly or indirectly by landslide, subsidence, cloudburst or explosion, whether incidental to flood or not nor by theft whether occurring during or after a flood, nor by the neglect of the Insured to use all reasonable means to save and preserve the property during and after a Flood.</li>\n	<li>Loss or damage caused by overflowing, bursting or leakage of water tanks, pipes and other water apparatus; loss or damage caused by overflowing of gutters and downpipes or bursting or overflowing of municipal or other public water supply mains; loss or damage due to seepage, leakage or influx of water from basement walls, including doors, windows and other opening therein, foundations, basement floors and sidewalks or water, which backs up through sewers or drains; loss or damage occasioned by high water unless directly caused by Flood as defined herein.</li>\n	<li>Loss or damaged occasioned by or through or in consequence of the action or order of any government or public authority.</li>\n	<li>Loss or damage to property which at the time of the happening of such loss or damage, is insured by or would, but for the existence of this policy be insured by Marine or Plate Glass Policy or</li>\n	<li>Consequential loss or damage of any kind whatsoever.</li>\n</ol>\n\n<p><strong>Volcanic Eruption</strong></p>\n\n<p>IT IS HEREBY UNDERSTOOD AND AGREED THAT in consideration of the payment by the insured to the Company of an additional premium the Company agrees, notwithstanding what is stated in the printed conditions of this Policy to the contrary, that this insurance covers direct loss or damage (including loss or damage by fire) to any of the property insured by this Policy occasioned by volcanic eruption reported and recorded by the Philippine Institute of Volcanology and Seismology.</p>\n\n<p>DEFINITION:</p>\n\n<p>Volcanic eruption shall mean the process wherein molten rock materials (collectively called as magma or lava) are emitted or ejected in the form of flowing masses (lava flows and pyroclastic flows), discrete particles (volcanic ash and pyroclastic and steam (water vapor and gases) from a crater, vent or fissure.</p>\n\n<p>Provided always that all the conditions of this Policy shall apply (except in so far as they may be hereby expressly varied) and that any reference therein to loss or damage should be deemed to apply also to loss or damage occasioned by volcanic eruption.</p>\n\n<p>The company shall not be liable for:</p>\n\n<p>Any consequential loss or damage of any kind or description nor any loss or damage caused by confiscation or willful destruction by Government or any Municipal or Local Authority is covered.</p>\n\n<p>All losses caused by volcanic eruption or series of volcanic eruptions (whether continuous or sporadic and whether or not due to the same seismic conditions) during each period of 72 consecutive hours commencing from the first recorded volcanic eruption shall be considered as arising out of one occurrence.</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>In the event of this Policy being surrendered by the Insured for cancellation, the company shall retain 100% of the premium notwithstanding what is stated in Condition No. 7 of this Policy to the contrary.</p>\n\n<p>EXCEPT AS VARIED BY THIS ENDORSEMENT, all other terms and conditions remain the same.</p>\n', '16,15', 1985, '', '2015-08-26 14:00:31', '2016-01-15 10:57:34', 14, 25),
(422, '2', 'MAR-IMP-REC', 'IMPAIRMENT OF RECOVERY', '<p>In case of any agreement or act by the Insured whereby any of their right to recover for loss or damage to any property insured herein against any carrier or bailee is released, impaired or lost, which would on acceptance of abandonment or payment of a loss by the Company have inured to its benefit but for such agreement or act, this Company shall not be bound to pay that portion of the loss which could have been recoverable from such carrier or bailee or third party.</p>\n', '', 1995, '', '2015-08-28 11:51:30', '2015-08-28 11:51:30', 14, 14),
(424, '2', 'MAR-RED-CLA', 'RED CLAUSE', '<p><strong><u>IMPORTANT</u></strong></p>\n\n<p><strong>PROCEDURES IN THE EVENT OF LOSS OR DAMAGE FOR WHICH UNDERWRITERS MAY BE LIABLE</strong></p>\n\n<p><strong><u>LIABILITY OF CARRIERS, BAILEES OR OTHER THIRD PARTIES</u></strong></p>\n\n<p>It is the duty of the Assured and their Agents, in all cases to take such measures as may be reasonable for the purpose of advising of minimising a loss and to ensure that all rights against Carriers, Bailees or other third parties are property preserved and exercised.&nbsp; the Assured or their Agents are required:-</p>\n\n<ol>\n	<li>To claim immediately on the Carriers. Port Authorities&nbsp; or other Bailees for any missing packages.</li>\n	<li>In no circumstances, except under written protect, to give clean receipts where goods are in doubtful&nbsp; condition.</li>\n	<li>When delivery is made by Container,&nbsp; to ensure that the container and its seals are examined immediately by&nbsp; their responsible official.<br />\n	If the container is delivered damaged or with seal broken or missing or with seals other than as stated in the shipping documents, to clause the delivery receipt accordingly and retain all defective or irregular seals for subsequent identification.</li>\n	<li>To apply immediately for survey by Carriers&rsquo; or other Bailees, Representatives if any loss or damage be apparent and claim on the Carriers or other Bailees for any actual loss or damages found at such survey.</li>\n	<li>To give notice in writing to the Carriers or other Bailees&rsquo; within 3 days of delivery if the loss or damage was not apparent at the time of the Port Authorities at the Port of discharge.</li>\n</ol>\n\n<p style="margin-left:27.0pt">&nbsp;</p>\n\n<p>Note:&nbsp;The Consignees or their Agents are recommended to make themselves familiar with the Regulation of the Port Authorities at the port of discharge.</p>\n', '', 2005, '', '2015-08-28 11:57:00', '2015-08-28 11:57:00', 14, 14),
(427, '2', 'MAR-IBE-CAC', 'INSTITUTE CHEMICAL, BIOLOGICAL, BIO-CHEMICAL, ELECTROMAGNETIC WEAPONS AND CYBER ATTACK EXCLUSION CLAUSE', '<p>This clause shall be paramount and shall override anything contained in this insurance inconsistent therewith</p>\n\n<ol>\n	<li>In no case shall this insurance cover loss damage liability or expense directly or indirectly caused by or contributed by or arising from\n	<ol start="1" style="list-style-type: lower-alpha;">\n		<li>any chemical, biological, bio-chemical or electromagnetic weapon</li>\n		<li>the use or operation, as a means for inflicting harm, of any computer, computer system, computer software program, computer virus or process or any other electronic system.</li>\n	</ol>\n	</li>\n</ol>\n', '', 2020, '', '2015-08-28 12:03:27', '2015-08-28 12:03:27', 14, 14),
(428, '2', 'MAR-CM-CLA', 'COMPUTER MILLENNIUM CLAUSE (CARGO) - WITH NAMED PERIL EXTENSION', '<p>In no case shall this insurance cover any loss, damage, expense or liability of whatever nature which might otherwise be recoverable under this insurance arising out of or in any way connected with, whether directly or indirectly, the use or operation of any computer, computer&nbsp; system, computer software, program or process or any electronic system where any such loss, damage, expense or liability arises, whether directly&nbsp; or indirectly, as a consequence of (i) the date change to the year 2000 or&nbsp; any other date change and/or (ii) any change or modification of or to any&nbsp; such computer, computer system, computer software, program or process or&nbsp; any electronic system in relation to any such date change.</p>\n\n<p>This exclusion does not apply to:-</p>\n\n<ol>\n	<li>claims for loss of or damage to the subject matter insured reasonably&nbsp;attributable to\n	<ol start="1" style="list-style-type: lower-roman;">\n		<li>fire or explosion</li>\n		<li>vessel or craft being stranded, grounded, sunk or capsized</li>\n		<li>overturning or derailment of land conveyance</li>\n		<li>collision or contact of vessel, craft, aircraft or conveyance with any external&nbsp;object other than water</li>\n		<li>total loss of aircraft in flight</li>\n		<li>discharge of cargo at a port of distress</li>\n		<li>total loss of any package lost overboard or dropped whilst loading on to, or unloading from, vessel, craft or&nbsp;aircraft</li>\n		<li>General average sacrifice.</li>\n		<li>Jettison or washing overboard</li>\n		<li>Entry of sea, lake or river water into vessel craft hold conveyance liftvan or place of storage.</li>\n	</ol>\n	</li>\n	<li>General average and salvage charges, adjusted or determined according to&nbsp;the contract of affreightment and/or the governing law and practice,&nbsp;incurred to avoid or in connection with the avoidance of loss from any&nbsp;cause except those excluded elsewhere in this insurance.</li>\n</ol>\n\n<p>Subject always to the terms, conditions, limits and exclusions contained elsewhere in this policy.</p>\n', '', 2025, '', '2015-08-28 12:06:27', '2015-08-28 12:06:27', 14, 14),
(429, '5', 'ENG-DEP-ADJ', 'DEPRECIATION ADJUSTMENT FOR REWINDING OF ELECTRIC MACHINES', '<p>It is agreed and understood that otherwise suject to the terms, exclusions, provisions and conditions contained in the policy or endorsed thereon, the following shall apply to this Insurance:</p>\n\n<p>If - in the event of partial damage to electrical machines - the repair necessitates the rewinding of electric coils, the amount indemnifiable in respect of the pure work of rewinding and replating shall be calculated subject to an annual rate of depreciation to be determined at the time of the loss in the form of a &quot;new for old deduction&quot;, this rate being not less than 5% per annum, but not more than 60% in total.</p>\n\n<p>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\n<p>This endorsement is effective: March 8, 2015</p>\n\n<p>Attached to and forming part of Policy No: MBI-2015-0003</p>\n\n<p>of the undersigned Company.</p>\n', '', 2030, '', '2015-09-02 13:40:42', '2015-09-02 13:40:42', 14, 14),
(430, '5', 'DAF-TCE', 'DEPRECIATION ADJUSTMENT FOR REPAIRS TO COMBUSTION ENGINES', '<p>It is agreed and understood that otherwise subject to the terms, exclusions, provisions and conditions in the Policy or endorsed thereon, the following shall apply to this Insurance:</p>\n\n<p>In the event of damage to cylinder liners, cylinder heads inclusive of accessories and pistons, the amount indemnifiable in respect of the items thus affected shall be depreciated at an annual rate to be determined at the time of the loss, this rate being not less than 10% per annum, but not more than 60% in total.</p>\n\n<p>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\n<p>This endorsement is effetive: March 8, 2015</p>\n\n<p>Attached to and forming part of Policy No: MBI-2015-0003</p>\n\n<p>of the undersigned Company.</p>\n', '', 2035, '', '2015-09-02 13:52:14', '2016-01-15 14:23:19', 14, 14),
(431, '5', 'ENG-MAIN-ECO', 'MAINTENANCE OF ELECTRONIC COMPONENTS', '<p>It is hereby understood and agreed that otherwise subject to the terms, exclusions, provisions and conditions contained in the policy or endorsed thereon, this Insurance shall not cover maintenance work on electronic components of machinery.</p>\n\n<p>Maintenance as used in this Endorsement is understood to mean the following:</p>\n\n<ul>\n	<li>safety checks</li>\n	<li>preventive maintenance</li>\n	<li>rectification of loss or damage or faults arising from normal operation as well as from ageing, e.g. by repair or replacing of modules, sections, assemblies and components.</li>\n</ul>\n\n<p>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\n<p>This endorsement is effective: March 8, 2015</p>\n\n<p>Attached to and forming part of Policy No: MBI-2015-0003</p>\n\n<p>of the undersigned Company.</p>\n', '', 2040, '', '2015-09-02 14:04:25', '2015-09-02 14:04:25', 14, 14),
(433, '5', 'ENG-CIP-CLA', 'CHANGES IN POLICY CLAUSE', '<p>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.</p>\n', '', 2050, '', '2015-09-02 15:05:44', '2015-09-02 15:05:44', 14, 14),
(434, '2', 'MCAR-ICC-CLAA', 'INSTITUTE CARGO CLAUSES (A)', '<ol>\n	<li><strong>RISKS COVERED<br />\n	Risks Clauses</strong><br />\n	This insurance covers all risks of loss of or damage to the subject-matter insured except as provided in Clauses 4, 5, 6 and 7 below.</li>\n	<li><strong>General Average Clause</strong><br />\n	This insurance covers general average and salvage charges, adjusted or determined according to the contract of affreightment and/or the governing law and practice, incurred to avoid or in connection with the avoidance of loss from any cause except those excluded in Clauses 4, 5, 6 and 7 or elsewhere in this insurance.</li>\n	<li><strong>Both to Blame Collision Clause</strong><br />\n	This insurance is extended to indemnify the Assured against such proportion of liability under the contract of affreightment &quot;Both to Blame Collision&quot; Clause as is in respect of a loss recoverable hereunder. In the event of any claim by ship owners under the said Clause the Assured agree to notify the Underwriters who shall have the right, at their own cost and expense, to defend the Assured against such claim.</li>\n	<li><strong>EXCLUSIONS<br />\n	General Exclusions Clause</strong><br />\n	In no case shall this insurance cover\n	<ol>\n		<li>loss damage or expense attributable to wilful misconduct of the Assured.</li>\n		<li>ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured.</li>\n		<li>loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the subject-matter insured (for the purpose of this Clause 4.3 &quot;packing&quot; shall be deemed to include stowage in a container or liftvan but only when such stowage is carried out prior to attachment of this insurance or by the Assured or their servants)</li>\n		<li>loss damage or expense caused by inherent vice or nature of the subject-matter insured</li>\n		<li>loss damage or expense proximately caused by delay, even though the delay be caused by a risk insured against (except expenses payable under Clause 2 above)</li>\n		<li>loss damage or expense arising from insolvency or financial default of the owners managers charterers or operators of the vessel</li>\n		<li>loss damage or expense arising from the use of any weapon of war employing atomic or nuclear fusion and/or fussion or other like reaction or radioactive force or matter.</li>\n	</ol>\n	</li>\n	<li><strong>Unseaworthiness and Unfitness Exclusion Clause</strong>\n	<ol>\n		<li>In no case shall this insurance cover loss damage or expense arising from unseaworthiness of vessel or craft, unfitness of vessel craft conveyance container or liftvan for the safe carriage of the subject-matter insured, where the Assured or their servants are privy to such unseaworthiness or unfitness, at the same time the subject-matter insured is loaded therein.</li>\n		<li>The Underwriters waive any breach of the implied warranties of seaworthiness of the ship and fitness of the ship to carry the subject-matter insured to destination, unless the Assured or their servants are privy to such unseaworthiness or unfitness.</li>\n	</ol>\n	</li>\n	<li><strong>War Exclusion Clause</strong><br />\n	In no case shall this insurance cover loss damage or expense caused by\n	<ol>\n		<li>war, civil war, rebellion, insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power</li>\n		<li>capture seizure arrest restraint or detainment (piracy excepted), and the consequences thereof or any attempt thereat</li>\n		<li>derelict mines, torpedoes, bombs or other derelict weapons of war,</li>\n	</ol>\n	</li>\n	<li><strong>Strikes Exclusion Clause</strong><br />\n	In no case shall this insurance cover loss damage or expense\n	<ol>\n		<li>caused by strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions</li>\n		<li>resulting from strikes, lock-outs, labour disturbances, riots or civil commotions</li>\n		<li>caused by any terrorist or any person acting from a political motive</li>\n	</ol>\n	</li>\n	<li><strong>DURATION<br />\n	Transit Clause</strong>\n	<ol>\n		<li>This insurance attaches from the time the goods leave the warehouse or place of storage at the place named herein for the commencement of the transit, continues during the ordinary course of transit and terminates either.\n		<ol>\n			<li>on delivery to the Consignees&#39; or other final warehouse or place of storage, whether prior to or at the destination named herein,</li>\n			<li>on delivery to any other warehouse or place of storage, whether prior to or at the destination named herein, which the Assured elect to use either\n			<ol>\n				<li>for storage other than in the ordinary course of transit or</li>\n				<li>for allocation or distribution, or</li>\n			</ol>\n			</li>\n			<li>on the expiry of 60 days after completion of discharge overside of the goods hereby insured from the oversea vessel at the final port of discharge,<br />\n			whichever shall first occur.</li>\n		</ol>\n		</li>\n		<li>If, after discharge overside from the oversea vessel at the final port of discharge, but prior to termination of this insurance, the goods are to be forwarded to a destination other than that to which they are insured hereunder, this insurance, whilst remaining subject to termination as provided for above, shall not extend beyond the commencement of transit to such other destination.</li>\n		<li>This insurance shall remain in force (subject to termination as provided for above and to the provisions of Clause 9 below) during delay beyond the control of the Assured, any deviation, forced discharge, reshipment or transhipment and during any variation of the adventure arising from the exercise of a liberty granted to shipowners or charterers under the contract of affreightment.</li>\n	</ol>\n	</li>\n	<li><strong>Termination of Contract of Carriage Clause</strong><br />\n	If owing to circumstances beyond the control of the Assured either the contract of carriage is terminated at a port or place other than the destination named therein or the transit is otherwise terminated before delivery of the goods as provided for in Clause 8 above, then this insurance shall also terminate unless prompt notice is given to the Underwriters and continuation of cover is requested when the insurance shall remain in force, subject to an additional premium if required by the Underwriters, either\n	<ol>\n		<li>until the goods are sold and delivered at such port or place, or, unless otherwise specially agreed, until the expiry of 60 days after arrival of the goods hereby insured at such port or place, whichever shall first occur, or</li>\n		<li>if the goods are forwarded within the said period of 60 days (or any agreed extension thereof) to the destination named herein or to any other destination, until terminated in accordance with the provisions of Clause 8 above.</li>\n	</ol>\n	</li>\n	<li><strong>Change of Voyage Clause</strong><br />\n	Where, after attachment of this insurance, the destination is changed by the Assured, held covered at a premium and on conditions to be arranged subject to prompt notice being given to the Underwriters.</li>\n	<li><strong>CLAIMS</strong><br />\n	<strong>Insurable Interest Clause</strong>\n	<ol>\n		<li>In order to recover under this insurance the Assured must have an insurable interest in the subject-matter insured at the time of the loss.</li>\n		<li>Subject to 11.1 above, the Assured shall be entitled to recover for insured loss occurring during the period covered by this insurance, notwithstanding that the loss occurred before the contract of insurance was concluded, unless the Assured were aware of the loss and the Underwriters were not.</li>\n	</ol>\n	</li>\n	<li><strong>Forwarding Charges Clause</strong><br />\n	Where, as a result of the operation of a risk covered by this insurance, the insured transit is terminated at a port or place other than that to which the subject-matter is covered under this insurance, the Underwriters will reimburse the Assured for any extra charges properly and reasonably incurred in unloading storing and forwarding the subject-matter to the destination to which it is insured hereunder.<br />\n	This Clause 12, which does not apply to general average or salvage charges, shall be subject to the exclusions contained in Clauses 4, 5, 6 and 7 above, and shall not include charges arising from the fault negligence insolvency or financial default of the Assured or their servants.</li>\n	<li><strong>Constructive Total Loss Clause</strong><br />\n	No claim for Constructive Total Loss shall be recoverable hereunder unless the subject-matter insured is reasonably abandoned either on account of its actual total loss appearing to be unavoidable or because the cost of recovering, reconditioning and forwarding the subject-matter to the destination to which it is insured would exceed its value on arrival.</li>\n	<li><strong>Increased Value Clause</strong>\n	<ol>\n		<li><strong>&acirc;&euro;&lsaquo;</strong>If any Increased Value insurance is effected by the Assured on the cargo insured herein the agreed value of the cargo shall be deemed to be increased to the total amount insured under this insurance and all Increased Value insurances covering the loss, and liability under this insurance shall be in such proportion as the sum insured herein bears to such total amount insured.<br />\n		In the event of claim the Assured shall provide the Underwriters with evidence of the amounts insured under all other insurances.</li>\n		<li>Where this insurane is on Increased Value the following clause shall apply:\n		<ul>\n			<li>The agreed value of the cargo shall be deemed to be equal to the total amount insured under the primary insurance and all Increased Value insurances covering the loss and effected on the cargo by the Assured, and liability under this insurance shall be in such proportion as the sum insured herein bears to such total amount insured.</li>\n			<li>In the event of claim the Assured shall provide the Underwriters with evidence of the amounts insured under all other insurances.</li>\n		</ul>\n		</li>\n	</ol>\n	</li>\n	<li><strong>BENEFIT OF INSURANCE<br />\n	Not to Insure Clause</strong><br />\n	This insurance shall not inure to the benefir of the carrier or other bailce.</li>\n	<li><strong>MINIMISING LOSSES<br />\n	Duty of Assured Clause</strong><br />\n	It is the duty of the Assured and their servants and agents in respect of loss recoverable hereunder\n	<ol>\n		<li>to take such measures as may be reasonable for the purpose of averting or minimising such loss, and</li>\n		<li>to ensure that all rights against carriers, bailees or other third parties are properly preserved and exercised<br />\n		and the Underwriters will, in addition to any loss recoverable hereunder, reimburse the Assured for any charges properly and reasonably incurred in pursuance of these duties.</li>\n	</ol>\n	</li>\n	<li><strong>Waiver Clause</strong><br />\n	Measures taken by the Assured or the Underwriters with the object of saving, protecting or recovering the subject-matter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party.</li>\n	<li><strong>AVOIDANCE OF DELAY</strong><br />\n	<strong>Reasonable Despatch Clause</strong><br />\n	It is a condition of this insurance that the Assured shall act with reasonable despatch in all circumstances within their control.</li>\n	<li><strong>LAW AND PRACTICE<br />\n	English Law and Practice Clause</strong><br />\n	This insurance is subject to English law and practice.</li>\n</ol>\n\n<p><em>Note: It is necessary for the Assured when they become aware of an event which is &quot;held covered&quot; under this insurance to give prompt notice to the Underwriters and the right to such cover is dependent upon compliance with this obligation.</em></p>\n', '52', 2055, '', '2015-09-09 12:01:28', '2020-02-05 17:38:04', 14, 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
(435, '2', 'MCAR-ICC-CLAB', 'INSTITUTE CARGO CLAUSES (B)', '<ol>\n	<li><strong>RISKS COVERED</strong><br />\n	<strong>Risks Clause</strong><br />\n	This insurancec covers, except as provided in Clauses 4, 5, 6 and 7 below,\n	<ol>\n		<li>loss of or damage to the subject-matter insured reasonably attributable to\n		<ol>\n			<li>fire or explosion</li>\n			<li>vessel or craft being stranded grounded sunk or capsized</li>\n			<li>overturning or derailment of land conveyance</li>\n			<li>collision or contract of vessel craft or conveyance with any external object other than water</li>\n			<li>discharge of cargo at a port of distress</li>\n			<li>earthquake volcanic eruption or lightning</li>\n		</ol>\n		</li>\n		<li>loss of or damage to the subject-matter insured caused by\n		<ol>\n			<li>general average sacrifice</li>\n			<li>jettison or washing overboard</li>\n			<li>entry of sea lake or river water into vessel craft hold conveyance container liftvan or place of storage</li>\n		</ol>\n		</li>\n		<li>total loss of any package lost overboard or dropped whilst loading on to, or unloading from, vessel or craft</li>\n	</ol>\n	</li>\n	<li><strong>General Average Clause</strong><br />\n	This insurance covers general average and salvage charges, adjusted or determined according to the contract of affreightment and/or the governing law and practice, incurred to avoid or in connection with the avoidance of loss from any cause except those excluded in Clauses 4, 5, 6 and 7 or elsewhere in this insurance.</li>\n	<li><strong>Both to Blame Collision Clause</strong><br />\n	This insurance is extended to indemnify the Assured against such proportion of liability under the contract of affreightment &quot;Both to Blame Collision&quot; Clause as is in respect of a loss recoverable hereunder. In the event of any claim by shipowners under the said Clause the Assured agree to notify the Underwriters who shall have the right, at their own cost and expense, to defend the Assured against such claim.&nbsp;</li>\n	<li><strong>EXCLUSIONS</strong><br />\n	<strong>General Exclusions Clause</strong><br />\n	In no case shall this insurance cover\n	<ol>\n		<li>loss damage or expense attributable to wilful misconduct of the Assured</li>\n		<li>ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured</li>\n		<li>loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the subject-matter insured (for the purpose of this Clause 4.3 &quot;packing&quot; shall be deemed to include stowage in a container or liftvan but only when such stowage is carried out prior to attachment of this insurace or by the Assured or their servants)</li>\n		<li>loss damage or expense caused by inherent vice or nature of the subject-matter insured</li>\n		<li>loss damage or expense proximately caused by delay, even though the delay be caused by a risk insured against (except expenses payable under Clause 2 above)</li>\n		<li>loss damage or expense arising from insolvency or financial default of the owners managers charterers or operators of the vessel</li>\n		<li>deliberate damage to or deliberate destruction of the subject-matter insured or any part thereof by the wrongful act of any person or persons</li>\n		<li>loss damage or expense arising from the use of any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter</li>\n	</ol>\n	</li>\n	<li><strong>Unseaworthiness and Unfitness Exclusion Clause</strong>\n	<ol>\n		<li><strong>​</strong>In no case shall this insurance cover loss damage or expense arising from unseaworthiness of vessel or craft, unfitness of vessel craft conveyance container or liftvan for the safe carriage of the subject-matter insured, where the Assured or their servants are privy to such unseaworthiness or unfitness, at the time the subject-matter insured is loaded therein.</li>\n		<li>The Underwriters waive any breach of the implied warranties of seaworthiness of the ship and fitness of the ship to carry the subject-matter insured to destination, unless the Assured or their servants are privy to suc unseaworthiness or unfitness.</li>\n	</ol>\n	</li>\n	<li><strong>War Exclusion Clause</strong><br />\n	In no case shall this insurance cover loss damage or expense caused by\n	<ol>\n		<li>war civil war revolution rebellion insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power</li>\n		<li>capture seizure arrest restraint or detainment, and the consequences thereof or any attempt threat</li>\n		<li>derelict mines torpedoes bombs or other derelict weapons of war.</li>\n	</ol>\n	</li>\n	<li><strong>Strikes Exclusion Clause</strong><br />\n	​In no case shall this insurance cover loss damage or expense\n	<ol>\n		<li>caused by strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions</li>\n		<li>resulting from strikes, lock-outs, labour disturbances, riots or civil commotions</li>\n		<li>caused by any terrorist or any person acting from a political motive.</li>\n	</ol>\n	</li>\n	<li><strong>DURATION<br />\n	Transit Clause</strong>\n	<ol>\n		<li>This insurance attaches from the time the goods leave the warehouse or place of storage at the place named herein for the commencement of the transit, continues during the ordinary course of transit and terminates either\n		<ol>\n			<li>on delivery to the Consignees&#39; or other final warehouse or place of storage at the destination named herein,</li>\n			<li>on delivery to any other warehouse or place of storage, whether prior to or at the destination named herein, which the Assured elect to use either\n			<ol>\n				<li>for storage other than in the ordinary course of transit or</li>\n				<li>for allocation or distribution</li>\n			</ol>\n			</li>\n			<li>on the expiry of 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.</li>\n		</ol>\n		</li>\n		<li>If after discharge overside from the oversea vessel at the final port of discharge, but prior to termination of this insurance, the goods are to be forwarded to a destination other than that to which they are insured hereunder, this insurance, whilst remaining subject to termination as provided for above, shall not extend beyond the commencement of transit to such other destination.</li>\n		<li>This insurance shall remain in force (subject to termination as provided for above and to the provisions of Clause 9 below) during delay beyond the control of the Assured, any deviation, forced discharge, reshipment and during any variation of the adventure arising from the exercise of a liberty granted to shipowners or charterers under the contract of affreightment.</li>\n	</ol>\n	</li>\n	<li><strong>Termination of Contract of Carriage Clause</strong><br />\n	If owing to circumstances beyond the control of the Assured either the contract of carriage is terminated at a port or place other than the destination named therein or the transit is otherwise terminated before delivery of the goods as provided for in Clause 8 above, then this insurance shall also terminate&nbsp;<em>unless prompt notice is given to the Underwriters and continuation of cover is requested when the insurance shall remain in force, subject to an additional premium if required by the Underwriters</em>, either\n	<ol>\n		<li>until the goods are sold and delivered at such port or place, or, unless otherwise specially agreed, until the expiry of 60 days after arrival of the goods hereby insured at such port or place, whichever shall first occur, or</li>\n		<li>if the goods are forwarded within the said period of 60 days (or any agreed extension thereof) to the destination named herein or to any other destination, until terminated in accordance with the provisions of Clause 8 above.</li>\n	</ol>\n	</li>\n	<li><strong>Change of Voyage Clause</strong><br />\n	Where, after attachment of this insurance, the destination is changed by the Assured,&nbsp;<em>held covered at a premium and on conditions to be arranged subject to prompt notice being given to the Underwriters.</em></li>\n	<li><strong>CLAIMS<br />\n	Insurable Interest Clause</strong>\n	<ol>\n		<li>In order to recover under this insurance the Assured must have an insurable interest in the subject-matter insured at the time of the loss.</li>\n		<li>Subject to 11.1 above, the Assured shall be entitled to recover for insured loss occurring during the period covered by this insurance, notwithstanding that the loss occurred before the contract of insurance was concluded, unless the Assured were aware of the loss and the Underwriters were not.</li>\n	</ol>\n	</li>\n	<li><strong>Forwarding Charges Clause</strong><br />\n	Where, as a result of the operation of a risk covered by this insurance, the insured transit is terminated at a port or place other than that to which the subject-matter is covered under this insurance, the Underwriters will reimburse the Assured for any extra charges properly and reasonably incurred in unloading storing and forwarding the subject-matter to the destination to which it is insured hereunder.<br />\n	This Clause 12, which does not apply to general average or salvage charges, shall be subject to the exclusions contained in Clauses 4, 5, 6 and 7 above, and shall not include charges arising from the fault negligence insolvency or financial default of the Assured or their servants.</li>\n	<li><strong>Constructive Total Loss Clause</strong><br />\n	No claim for Constructive Total Loss shall be recoverable hereunder unless the subject-matter insured is reasonably abandoned either on account of its actual total loss appearing to be unavoidable or because the cost of recovering, reconditioning and forwarding the subject-matter to the destination to which it is insured would exceed its value on arrival.</li>\n	<li><strong>Increased Value Clause</strong>\n	<ol>\n		<li>If any Increased Value insurance is effected by the Assured on the cargo insured herein the agreed value of the cargo shall be deemed to be increased to the total amount insured under this insurance and all Increased Value insurances covering the loss, and liability under this Insurance shall be in such proportion as the sum insured herein bears to such total amount insured.<br />\n		In the event of claim the Assured shall provide the Underwriters with evidence of the amounts insured under all other insurances.</li>\n		<li><strong>Where this insurance is on Increased Value the following clause shall apply:</strong><br />\n		The agreed value of the cargo shall be deemed to be equal to the total amount insured under the primary insurance and all Increased Value insurances covering the loss and effected on the cargo by the Assured, and liability under this insurance shall be in such proportion as the sum insured herein bears to such total amount insured.<br />\n		In the event of claim the Assured shall provide the Underwriters with evidence of the amounts insured under all other insurances.</li>\n	</ol>\n	</li>\n	<li><strong>BENEFIT OF INSURANCE<br />\n	Not to Inure Clause</strong><br />\n	This insurance shall not inure to the benefit of the carrier or other bailee.</li>\n	<li><strong>MINIMISING LOSSES<br />\n	Duty of Assured Clause</strong><br />\n	​It is the duty of the Assured and their servants and agents in respect of loss recoverable hereunder\n	<ol>\n		<li>to take such measures as may be reasonable for the purpose of averting or minimising such loss, and</li>\n		<li>to ensure that all rights against carriers, bailees, or other third parties are properly preserved and exercised<br />\n		and the Underwriters will, in addition to any loss recoverable hereunder, reimburse the Assured for any charges properly and reasonably incurred in pursuance of these duties.</li>\n	</ol>\n	</li>\n	<li><strong>Waiver Clause</strong><br />\n	Measures taken by the Assured or the Underwriters with the object of saving, protecting or recovering the subject-matter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party.</li>\n	<li><strong>AVOIDANCE OF DELAY</strong><br />\n	<strong>Reasonable Despatch Clause</strong><br />\n	It is a condition of this insurance that the Assured shall act with reasonable despatch in all circumstances within their control.</li>\n	<li><strong>LAW AND PRACTICE<br />\n	English Law and Practice Law</strong><br />\n	This insurance is subject to English law and practice.</li>\n</ol>\n\n<p><em>NOTE: It is necessary for the Assured when they become aware of an event which is, &quot;held covered&quot; under this insurance to give prompt notice to the Underwriters and the right to such cover is dependent upon compliance with this obligation.</em></p>\n', '53', 2060, '', '2015-09-09 17:12:30', '2017-05-18 15:40:48', 14, 71),
(436, '2', 'MCAR-ICC-CLAC', 'INSTITUTE CARGO CLAUSES (C)', '<ol>\n	<li><strong>RISKS COVERED<br />\n	Risks Clause</strong><br />\n	This insurance covers, except as provided in Clauses 4, 5, 6 and 7 below,\n	<ol>\n		<li>loss of or damage to the subject-matter insured reasonably attributable to\n		<ol>\n			<li>fire or explosion</li>\n			<li>vessel or craft being stranded grounded sunk or capsized</li>\n			<li>overturning or derailment of land conveyance</li>\n			<li>collision or contat of vessel craft or conveyance with any external object other than water</li>\n			<li>discharge of cargo at a port of distress,</li>\n		</ol>\n		</li>\n		<li>loss of or damage to the subject-matter insured caused by\n		<ol>\n			<li>general average sacrifice</li>\n			<li>jettison</li>\n		</ol>\n		</li>\n	</ol>\n	</li>\n	<li><strong>General Average Clause</strong><br />\n	This insurance covers general average and salvage charges, adjusted or determined according to the contract of affreightment and/or the governing law and practice, incurred to avoid or in connection with the avoidance of loss from any cause except those excluded in Clauses 4, 5, 6 and 7 or elsewhere in this insurance.</li>\n	<li><strong>Both to Blame Collision Clause</strong><br />\n	This insurance is extended to indemnify the Assured against such proportion of liability under the contract of affreightment &quot;Both to Blame Collision&quot; Clause as is in respect of a loss recoverable hereunder. In the event of any claim by shipowners under the said Clause the Assured agree to notify the Underwriters who shall have the right, at their own cost and expense, to defend the Assured against such claim.</li>\n	<li><strong>EXCLUSIONS<br />\n	General Exclusions Clause</strong><br />\n	In no case shall this insurance cover\n	<ol>\n		<li>loss damage or expense attributable to wilful misconduct of the Assured</li>\n		<li>ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured</li>\n		<li>loss damage or expense caused by insufficiency or unsuitability of packing or preaparation of the subject-matter insured (for the purpose of this Clause 4.3 &quot;packing&quot; shall be deemed to include stowage in a container or liftvan but only when such stowage is carried out prior to attachment of this insurance or by the Assured or their servants)</li>\n		<li>loss&nbsp;damage or expense caused by inherent vice or nature of the subject-matter insured</li>\n		<li>loss damage or expense proximately caused by delay, even though the delay be caused by a risk insured against (except expenses payable under Clause 2 above)</li>\n		<li>loss damage or expense arising from insolvency or financial default of the owners managers charteres or operators of the vessel</li>\n		<li>deliberate damage to or deliberate destruction of the subject-matter insured or any part thereof by the wrongful act of any person or persons</li>\n		<li>loss damage or expense arising from the use of any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.</li>\n	</ol>\n	</li>\n	<li><strong>Unseaworthiness and Unfitness Exclusion Clause</strong>\n	<ol>\n		<li><strong>​</strong>In no case shall this insurance cover loss damage or expense arising from\n		<ul>\n			<li>unseaworthiness of vessel or craft,</li>\n			<li>unfitness of vessel craft conveyance container or liftvan for the safe carriage of the subject-matter insured<br />\n			where the Assured or their servants are privy to such unseaworthiness or unfitness, at the time the subject-matter insured is loaded therein.</li>\n		</ul>\n		</li>\n		<li>The Underwriters waive any breach of the implied warranties of seaworthiness of the ship and fitness of the ship to carry the subject-matter insured to the destination, unles the Assured or their servants are privy to such unseaworthiness or unfitness.</li>\n	</ol>\n	</li>\n	<li><strong>War Exclusion Clause</strong><br />\n	In no case shall this insurance cover loss damage or expense caused by\n	<ol>\n		<li>war civil war revolution rebellion insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power</li>\n		<li>capture seizure arrest restraint or detainment, and the consequences thereof or any attempt threat</li>\n		<li>derelict mines torpedoes bombs or other derelict weapons of war.</li>\n	</ol>\n	</li>\n	<li><strong>Strikes Exclusion Clause</strong><br />\n	In no case shall this insurance cover loss damage or expense\n	<ol>\n		<li>caused by strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions</li>\n		<li>resulting from strikes, lock-outs, labour disturbances, riots or civil commotions</li>\n		<li>caused by any terrorist or any person acting from a political motive.</li>\n	</ol>\n	</li>\n	<li><strong>DURATION<br />\n	Transit Clause</strong>\n	<ol>\n		<li>This insurance attaches from the time the goods leave the warehouse or place of storage at the place named herein for the commencement of the transit, continues during the ordinary course of transit and terminates either\n		<ol>\n			<li>on delivery to the Consignees&#39; or other final warehouse or place of storage at the destination named herein,</li>\n			<li>on delivery to any other warehouse or place of storage, whether prior to or at the destination named herein, which the Assured elect to use either\n			<ol>\n				<li>for storage other than in the ordinary course of transit or</li>\n				<li>for allocation or distribution</li>\n			</ol>\n			</li>\n			<li>on the expiry of 60 days after completion of discharge overside of the goods hereby insured whichever shall first occur.</li>\n		</ol>\n		</li>\n		<li>If, after discharge overside from the oversea vessel at the final port of discharge, but prior to termination of this insurance, the goods are to be forwarded to a destination other than that to which they are insured hereunder, this insurance, whilst remaining subject to termination as provided for above, shall not extend beyond the commencement of transit to such other destination.</li>\n		<li>This insurance shall remain in force (subject to termination as provided for above and to the provisions of Clause 9 below) during delay beyond the control of the Assured, any deviation, forced discharge, reshipment or transhipment and during any variation of the adventure arisin from the exercise of a liberty granted to shipowners or charterers under the contract of affreightment.</li>\n	</ol>\n	</li>\n	<li><strong>Termination of Contract Carriage Clause</strong><br />\n	If owing to circumstances beyond the control of the Assured either the contract of carriage is terminated at a port or place other than the destination named therein or the transit is otherwise terminated before delivery of the goods as provided for in Clause 8 above, then this insurance shall also terminate&nbsp;<em>unless prompt notice is given to the Underwriters and continuation of cover is requested when the insurance shall remain in force, subject to an additional premium if required by the Underwriters,&nbsp;</em>either.\n	<ol>\n		<li>until the goods are sold and delivered at such port or place, or, unless otherwise specially agreed, until the expiry of 60 days after arrival of the goods hereby insured at such port or place, whichever shall first occur, or</li>\n		<li>if the goods are forwarded within the said period of 60 days (or any agreed extension thereof) to the destination named herein or to any other destination, until terminated in accordance with the provisions of Clause 8 above.</li>\n	</ol>\n	</li>\n	<li><strong>Change of Voyage Clause</strong><br />\n	Where, after attachment of this insurance, the destination is changed by the Assured,&nbsp;<em>held covered at a premium and on conditions to be arranged subject to prompt notice being given to the Underwriters.</em></li>\n	<li><strong>CLAIMS<br />\n	Insurable Interest Clause</strong>\n	<ol>\n		<li>In order to recover under this insurance the Assured must have an insurable interest in the subject-matter insured at the time of the loss.</li>\n		<li>Subject to 11.1 above, the Assured shall be entitled to recover for insured loss occurring during the period covered by this insurance, notwithstanding that the loss occured before the contract of insurance was concluded, unless the Assured were aware of the loss and the Underwriters were not.</li>\n	</ol>\n	</li>\n	<li><strong>Insurable Interest Clause</strong><br />\n	Where, as a result of the operation of a risk covered by this insurance, the insured transit is terminated at a port or place, other than that to which the subject-matter is covered under this insurance, the Underwriters will reimburse the Assured for any extra charges properly and reasonably incurred in unloading storing and forwarding the subject-matter to the destination to which it is insured hereunder.<br />\n	This Clause 12, which does not apply to general average or salvage charges, shall be subject to the exclusions contained in Clauses 4, 5, 6 and 7 above, and shall not include charges arising from the fault negligence insolvency or financial default of the Assured or their servants.</li>\n	<li><strong>Constructive Total Loss Clause</strong><br />\n	Total claim for Constructive Total Loss shall be recoverable hereunder unless the subject-matter insured is reasonably abandoned either on account of its actual total loss appearing to be unavoidable or because the cost of recovering, reconditioning and forwarding the subject-matter to the destination to which it is insured would exceed its value on arrival.</li>\n	<li><strong>Increased Value Clause</strong>\n	<ol>\n		<li>If any Increased Value insurance is effected by the Assured on the cargo insured herein the agreed value of the cargo shall be deemed to be increased to the total amount insured under this insurance and all Increased Value insurances covering the loss, and liability under this Insurance shall be in such proportion as the sum insured herein bears to such total amount insured.<br />\n		In the event of claim the Assured shall provide the Underwriters with evidence of the amounts insured under all other insurances.</li>\n		<li><strong>Where this insurance is on Increased Value the following clause shall apply:</strong><br />\n		The agreed value of the cargo shall be deemed to be equal to the toal amount insured under the primary insurance and all Increased Value insurances covering the loss and effected on the cargo by the Assured, and liability under this insurance shall be in such proportion as the sum insured herein bears to such total amount insured.<br />\n		​In the event of claim the Assured shall provide the Underwriters with evidence of the amounts insured under all other insurances.</li>\n	</ol>\n	</li>\n	<li><strong>BENEFIT OF INSURANCE<br />\n	Not to Inure Clause</strong><br />\n	This insurance shall not inure to the benefit of the carrier or other bailee.</li>\n	<li><strong>MINIMISING LOSSES</strong><br />\n	<strong>Duty of Assured Clause</strong><br />\n	It is the duty of the Assured and their servats and agents in respect of loss recoverable hereunder\n	<ol>\n		<li>to take such measures as may be reasonable for the purpose of averting or minimising such loss, and</li>\n		<li>to ensure that all rights against carriers, bailees, or other third parties are properly preserved and exercised<br />\n		and the underwriters will, in addition to any loss recoverable hereunder, reimburse the Assured for any charges properly and reasonably incurred in pursuance of these duties.</li>\n	</ol>\n	</li>\n	<li><strong>Waiver Clause</strong><br />\n	Measures taken by the assured or the Underwriters with the object of saving, protecting or recovering the subject-matter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party.</li>\n	<li><strong>AVOIDANCE OF DELAY<br />\n	Reasonable Despatch Clause</strong><br />\n	It is a condition of this insurance that the Assured shall act with reasonable despatch in all circumstances within their control.</li>\n	<li><strong>LAW AND PRACTICE<br />\n	English Law and Practice Clause</strong><br />\n	​This insurance is subject to English law and practice.</li>\n</ol>\n\n<p><em>NOTE: It is necessary for the Assured when they become aware of an event which is, &quot;held covered&quot; under this insurance to give prompt notice to the Underwriters and the right to such cover is dependent upon compliance with this obligation.</em></p>\n', '71', 2065, '', '2015-09-10 13:03:52', '2017-05-18 15:41:05', 14, 71),
(437, '2', 'MCAR-CTLO-CLA', 'CARGO TOTAL LOSS ONLY CLAUSES (TLO)', '<ol>\n	<li><strong>RISK COVERED<br />\n	Risks Clause</strong><br />\n	This insurance covers, except as provided in clauses 2, 3, 4 and 5\n	<ol>\n		<li>total loss of or total damage to the entire or whole subject-matter insured reasonably attributable to\n		<ol>\n			<li>fire or explosion</li>\n			<li>vessel or craft being stranded grounded sunk or capsized</li>\n			<li>collision or contact of vessel craft or conveyance with any external object other than water</li>\n		</ol>\n		</li>\n		<li>total loss of or total damage to the entire or whole subject matter insured caused by\n		<ol>\n			<li>jettison or washing overboard</li>\n			<li>lost overboard or dropped whilst loading onto, or unloading from, the carrying vessel or craft</li>\n		</ol>\n		</li>\n	</ol>\n	</li>\n	<li><strong>EXCLUSIONS<br />\n	General Exclusion Clause</strong><br />\n	In no case shall this insurance cover\n	<ol>\n		<li>loss or damage or expense attributable to willful misconduct of the Assured</li>\n		<li>ordinary leakage, ordinary loss in weight or volume or ordinary wear and tear of the subject matter insured</li>\n		<li>loss or damage or expensed caused by insufficiency or unsuitability of packing or preparation of the subject matter insured (for the purpose of this Clause 2.3 &quot;packing&quot; shall be deemed to include stowage in a container or lift van but only when such stowage is carried out prior to attachment of this insurance or by the Assured or their servants).</li>\n		<li>loss damage or expense caused by inherent vice or nature of the subject matter insured</li>\n		<li>loss damage or expense proximately caused by delay, even though the delay be caused by a risk insured against</li>\n		<li>loss damage or expense arising from insolvency or financial default of the owners managers charterers or operators of the vessel</li>\n		<li>deliberate damage to or deliberate, destruction of the subject-matter insured or any part thereof by the wrongful act of any person or persons</li>\n		<li>loss damage or expense arising from the use of any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force of matter.</li>\n	</ol>\n	</li>\n	<li><strong>Unseaworthiness and Unfitness Clause</strong>\n	<ol>\n		<li>In no case shall this insurance cover loss damage or expense arising from unseaworthiness of vessel or craft unfitness of vessel craft conveyance container or lift van for the safe carriage of the subject insured<br />\n		where the Assured or their servants are privy to such unseaworthiness or unfitness, at the tune the subject matter is loaded therein.</li>\n		<li>There underwriter waive any breach of the implied warranties of seaworthiness of the ship and fitness of the ship to carry the subject-matter insured to destination, unless the Assured of their servants are privy to such unseaworthiness or unfitness.</li>\n	</ol>\n	</li>\n	<li><strong>War Exclusion Clause</strong><br />\n	In no case shall this insurance cover loss damage or expense caused by\n	<ol>\n		<li>war, civil war, revolution, rebellion, insurrection or civil strike arising there from, or any hostile act by or against a belligerent power</li>\n		<li>capture seizure arrest restraint or detainment, and the consequence thereof or any attempt thereat</li>\n		<li>derelict mines torpedoes bombs or other derelict weapons of war</li>\n	</ol>\n	</li>\n	<li><strong>Strikes Exclusion Clause</strong><br />\n	In no case shall this insurance cover loss damage or expense\n	<ol>\n		<li>caused by strikes, lock-outs workmen, or persons taking part in labor disturbance, riots or civil commotion</li>\n		<li>resulting from strikes, lock-outs, labor disturbances, riots or civil commotions</li>\n		<li>caused by any terrorist or any person acting from a political motive</li>\n	</ol>\n	</li>\n	<li><strong>Transit Claus</strong><strong>e</strong>\n	<ol>\n		<li>This insurance attaches from the time the goods are loaded on board the carrying vessel or craft at the port of origin named herein for the commencement of the transit, continues during the ordinary course of transit and terminates either\n		<ol>\n			<li>upon discharge of the goods from teh carrying vessel or craft at the port of destination named herein or</li>\n			<li>after 48 hours from the time of the arrival of the carrying vessel or craft at the final port of discharge which ever shall first occur.</li>\n		</ol>\n		</li>\n	</ol>\n	</li>\n	<li><strong>Termination of Contracts of Carriage Clause</strong><br />\n	If owing to circumstances beyond the control of the Assured either the contract of carriage is terminated at a port other than the destination named therein as provided for in the Clause 6 above, then his insurance shall also terminate unless prompt notice is given to the underwriters and continuation of cover is requested when Insurance shall remain in force, subject to an additional premium if required by the underwriters, either\n	<ol>\n		<li>until the goods are sold at such port within 48 hours after arrival of the carrying vessel or craft at such port whichever shall first occur, or</li>\n		<li>if the goods are forwarded within the said period of 48 hours to the final port of destination named herein until terminated in accordance with the provisions of Clause 6 above.</li>\n	</ol>\n	</li>\n	<li><strong>Change of Voyage Clause</strong><br />\n	Where, after attachment of this Insurance, the destination is changed by the Assured, held covered at a premium and on conditions to be arranged subject to prompt notice being given to the Underwriters.</li>\n	<li><strong>CLAIMS</strong><br />\n	<strong>Insurable Interest</strong>\n	<ol>\n		<li><strong>​</strong>In order to recover under the insurance the Assured must have an insurable interest in the subject-matter insured at the same time of the loss.</li>\n		<li>Subject to 9.1 above, the Assured shall be entitled to reecover for insured loss occurring during period covered by the Insurance, notwithstanding that the loss occurred before the contract of insurance was concluded, unless the Assured were aware of the loss and the Underwriters were not.</li>\n	</ol>\n	</li>\n	<li><strong>Constructive Total Loss</strong><br />\n	No claim for Constructive Total Loss shall be recovereable hereunder, unless the subject-matter insured is reasonably abandoned either on account of its actual total loss appearing to be unavoidable or cost of recovering, reconditioning and forwarding the subject-matter to the destination to which it is insured would exceed its value on arrival.</li>\n	<li><strong>BENEFIT OF INSURANCE<br />\n	Not to Inure Clause</strong><br />\n	This insurance shall not inure to the benefit of the carrier or other bailees</li>\n	<li><strong>MINIMISING LOSSES<br />\n	Duty of Assured Clause</strong><br />\n	It is the duty of the Assured and their servants and agent in respect of loss recoverable hereunder\n	<ol>\n		<li>to take such measure as may be reasonable for the purpose of averting or minimizing such loss, and</li>\n		<li>to ensure that all rights against carriers, bailees or other bird parties are properly preseved and exercised and the underwriters will, in addition to any loss recoverable hereunder, reimburse the Assured for any charges properly and reasonably incurred in pursuance of these duties.</li>\n	</ol>\n	</li>\n	<li><strong>Waiver Clause</strong><br />\n	Measures taken by the Assured or the Underwriters with the object of saving, protecting or recovering the subject-matter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party.</li>\n	<li><strong>AVOIDANCE OF DELAY</strong><br />\n	<strong>Reasonable Despatch Clause</strong><br />\n	It is a condition of this Insurance that the Assured shall act with reasonable dispatch in all circumstances within their control</li>\n</ol>\n\n<p><em>NOTE: It is necessary for the Assured when they become aware of an event which is &quot;held covered&quot; under this insurance to give prompt notice to the Underwriters and the right to such cover is dependent upon compliance with this obligation.</em></p>\n', '', 2070, '', '2015-09-10 15:41:42', '2015-09-11 13:50:40', 14, 14),
(438, '2', 'MCAR-WAR-CLA', 'INSTITUTE WAR CLAUSES (CARGO)', '<ol>\n	<li><strong>RISKS COVERED<br />\n	Risks Clause</strong><br />\n	This insurance covers, except as provided in Clauses 3 and 4 below, loss of or damage to the subject-matter insured caused by\n	<ol>\n		<li>war civil war revolution rebellion insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power</li>\n		<li>capture seizure arrest restraint or detainment, arising from risks covered under 1.1 above, and the consequences thereof or any attempt thereat</li>\n		<li>derelict mines torpedoes bombs or other derelict weapons of war</li>\n	</ol>\n	</li>\n	<li><strong>General Average Clause</strong><br />\n	This insurance covers general average and salvage charges, adjusted or determined according to the contract of affreightment and/or the governing law and practice, incurred to avoid or in connection with the avoidance of loss from a risk.</li>\n	<li><strong>EXCLUSIONS<br />\n	General Exlclusions Clause</strong><br />\n	In no case shall this insurance cover\n	<ol>\n		<li>loss damage or expense attributable to wilful misconduct of the Assured</li>\n		<li>ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured</li>\n		<li>loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the subject-matter insured (for the purpose of this Clause 3.3 &quot;packing&quot; shall be deemed to include stowage in a container or liftvan but only when such stowage is carried out prior to attachment of this insurance or by the Assured or their servants)</li>\n		<li>loss damage or expense caused by inherent vice or nature of the subject-matter insured</li>\n		<li>loss damage or expense proximately caused by delay, even though the delay be caused by a risk insured against (except expenses payable under Clause above)</li>\n		<li>loss damage or expense arising from insolvency or financial default of the owners managers charterers or operators of the vessel</li>\n		<li>any claim based upon loss of or frustration of the voyage or adventure</li>\n		<li>loss damage or expense arising from any hostile use of any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.</li>\n	</ol>\n	</li>\n	<li><strong>Unseaworthiness and Unfitness Exclusion Clause</strong>\n	<ol>\n		<li><strong>​</strong>In no case shall this insurance cover loss damage or expense arising from\n		<ul>\n			<li>unseaworthiness of vessel or craft,</li>\n			<li>unfitness of vessel craft conveyance container or liftvan for the safe carriage of the subject-matter insured,<br />\n			where the Assured or their servants are privy to such unseaworthiness or unfitness, at the time the subject-matter insured is loaded therein.</li>\n		</ul>\n		</li>\n		<li>The Underwriters waive any breach of the implied warranties of seaworthiness of the ship and fitness of the ship to carry the subject-matter insured to destination, unless the Assured or their servants are privy to such unseaworthiness or unfitness.</li>\n	</ol>\n	</li>\n	<li><strong>DURATION<br />\n	Transit Clause</strong>\n	<ol>\n		<li><strong>​</strong>This insurance\n		<ol>\n			<li>attaches only as the subject-matter insured and as to any part as that part is loaded on an oversea vessel and</li>\n			<li>terminates, subject to 5.2 and 5.3 below, either as the subject-matter insured and as to any part as that part is discharged from an oversea vessel at the final port or place of discharge, or<br />\n			on expiry of 15 days counting from midnight of the day of arrival of the vessel at the final port or place of discharge,<br />\n			whichever shall first occur;<br />\n			nevertheless,<br />\n			<em>subject to prompt notice to the Underwriters and to an additional premium,&nbsp;</em>such insurance</li>\n			<li>reattaches when, without having discharged the subject-matter insured at the final port or place of discharge, the vessel sails therefrom, and</li>\n			<li>terminates, subject to 5.2 and 5.3 below, either as the subject-matter insured and as to any part as that part is thereafter discharged from the vessel at the final (or substituted) port or place of discharge, or<br />\n			on expiry of 15 days counting from midnight of the day of re-arrival of the vessel at the final port or place of discharge or arrival of the vessel at a substituted port or place of discharge,<br />\n			​whichever shall first occur.</li>\n		</ol>\n		</li>\n		<li>If during the insured voyage the oversea vesel arrives at an intermediate port or place to discharge the subject-matter insured for on-carriage by oversea vessel or by aircraft, or the goods are discharged from the vessel at a port or place of refuge, then, subject to 5.3 below and to an additional premium if required, this insurance continues until the expiry of 15 days counting from midnight of the day of arrival of the vessel at such port or place, but thereafter reattaches as the subject-matter insured and as to any part as that part is loaded on an on-carrying oversea vessel or aircraft. During the period of 15 days the insurance remains in force after discharge only whilst the subject-matter insurede and as to any part as that part is at such port or place. If the goods are on-carried within the said period of 15 days or if the insurance reattaches as provided in this Clause 5.2\n		<ol>\n			<li>where the on-carriage is by oversea vessel this insurance continues subject to the terms of these clauses, or</li>\n			<li>where the on-carriage is by aircraft, the current Institute War Clauses (Air Cargo) (excluding sendings by Post) shall be deemed to form part of this insurance and shall apply to the on-carriage by air.</li>\n		</ol>\n		</li>\n		<li>If the voyage in the contract of carriage is terminated at a port or place other than the destination agreed therein, such port or place shall be deemed the final port of discharge and such insurance terminates in accordance with 5.1.2. If the subject-matter insured is subsequently reshipped to the original or any other destination, then <em>provided notice is given to the Underwriters before the commencement of such further transit and subject to an additional premium,&nbsp;</em>such insurance reattaches&nbsp;\n		<ol>\n			<li>in the case of the subject-matter insured having been discharged, as the subject-matter insured and as to any part as that part is loaded on the on-carrying vessel for the voyage;</li>\n			<li>in the case of the subject-matter not having been discharged, when the vessel sails from such deemed final port of discharge,<br />\n			thereafter such insurance terminates in accordance with 5.1.4.</li>\n		</ol>\n		</li>\n		<li>The insurance against the risks of mines and derelict torpedoes, floating or submerged, is extended whilst the subject-matter insured or any part thereof is on craft whilst in transit to or from the oversea vessel, but in no case beyond the expiry of 60 days after discharge from the oversea vessel unless otherwise specially agreed by the Underwriters.</li>\n		<li><em>Subject to prompt notice to Underwriters, and to an additional premium if required,<strong>&nbsp;</strong></em>this insurance shall remain in force within the provisions of these Clauses during any deviation, or any variation of the adventure arising from the exercise of a liberty granted to shipowners or charterers under contract of affreightment.<br />\n		(For the purpose of Clause 5<br />\n		&quot;arrival&quot; shall be deemed to mean that the vessel is anchored, moored or otherwise secured at a berth or place wiithin Harbour Authority area. If such a berth or place is not available, arrival is deemed to have occurred when the vessel first anchors, moors or otherwise secures either at or off the intended port or place of discharge<br />\n		&quot;oversea vessel&quot; shall be deemed to mean a vessel carrying the subject-matter from one port or place to another where such voyage involves a sea passage by that vessel)</li>\n	</ol>\n	</li>\n	<li><strong>Change of Voyage Clause</strong><br />\n	Where, after attachment of this insurance, the destination is changed by the Assured,&nbsp;<em>held covered at a premium and on conditions to be arranged subject to prompt notice being given to the Underwriters.</em></li>\n	<li><strong>Anything contianed in this contract which is inconsistent with Clauses 3.7, 3.8 or 5 shall, to the extent of such inconsistency, be null and void.</strong></li>\n	<li><strong>CLAIMS<br />\n	Insurable Interest Clause</strong>\n	<ol>\n		<li><strong>​</strong>In order to recover under this insurance the Assured must have, an insurable interest in the subject-matter insured at the time of the loss.</li>\n		<li>Subject to 8.1 above, the Assured shall be entitled to recover for insured loss occurring during the period covered by this insurance, notwithstanding that the loss occurred before the contract of insurance was concluded, unless the Assured were aware of the loss and the Underwriters were not.</li>\n	</ol>\n	</li>\n	<li><strong>Increased Value Clause</strong>\n	<ol>\n		<li><strong>​</strong>If any Increased Value insurance is effected by the Assured on the cargo insured herein the agreed value of the cargo shall be deemed to be increased to the total amount insured under this insurance and all Increased Value insurances covering the loss, and liability under this insurance shall be in such proportion as the sum insured herein bears to such total amount insured.<br />\n		In the event of claim the Assured shall provide the Underwriters with evidence of the amounts insured under all other insurances.</li>\n		<li><strong>Where this insurance is on Increased Value the following clause shall apply:</strong><br />\n		The agreed value of the cargo shall be deemed to be equal to the total amount insured under the primary insurance and all Increased Value insurances, covering the loss and effected on the cargo by the Assured, and liability under this insurance shall be in such proportion as the sum insured herein bears to such total amount insured.<br />\n		In the event of claim the Assured shall provide the Underwriters with evidence of the amounts insured under all other insurances.</li>\n	</ol>\n	</li>\n	<li><strong>BENEFIT OF INSURANCE<br />\n	Not to Inure Clause</strong><br />\n	This insurance shall not inure to the benefit of the carrier or other bailee.</li>\n	<li><strong>MINIMISING LOSSES</strong><br />\n	<strong>Duty of Assured Clause</strong><br />\n	It is the duty of the Assured and their servants and agents in respect of loss recoverable hereunder\n	<ol>\n		<li>to take such measures as may be reasonable for the purpose of averting or minimising such loss, and</li>\n		<li>to ensure that all rights against carriers, bailees or other third parties are properly preserved and exercised and the Underwriters will, in addition to any loss recoverable hereunder, reimburse the Assured for any charges properly and reasonably incurred in pursuance of these duties.</li>\n	</ol>\n	</li>\n	<li><strong>Waiver Clause</strong><br />\n	Measures taken by the Assured or the Underwriters with the object of saving, protecting or recovering the subject-matter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party.</li>\n	<li><strong>AVOIDANCE OF DELAY<br />\n	Reasonable Despatch Clause</strong><br />\n	It is a condition of this insurance that the Assured shall act with reasonable despatch in all circumstances within their control.</li>\n	<li><strong>LAW AND PRACTICE<br />\n	English Law and Practice Clause</strong><br />\n	This insurance is subject to English law and practice.</li>\n</ol>\n\n<p><em>NOTE: It is necessary for the Assured when they become aware of an event which is &quot;held covered&quot; under this insurance to give prompt notice to the Underwriters and the right to such cover is dependent upon compliance this obligation.</em></p>\n', '', 2075, '', '2015-09-11 10:42:05', '2015-09-11 11:56:36', 14, 14);
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
(439, '2', 'MCAR-STR-CLA', 'INSTITUTE STRIKES CLAUSES', '<ol>\n	<li style="text-align: justify;"><strong>RISKS COVERED</strong><br />\n	Risks Clause<br />\n	This insurance covers, except as provided in Clause 3 anad 4 below, loss of or damage to the subject-matter insrued caused by\n	<ol>\n		<li>strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions</li>\n		<li>any terrorist or any person acting from a political motive.</li>\n	</ol>\n	</li>\n	<li style="text-align: justify;">General Average Clause<br />\n	This insurance covers general average and salvage charges, adjusted or determined according to the contract affreightment and/or the governing law and practice, incurred to avoid or in connection with the avoidance of loss from a risk covered under these clauses.</li>\n	<li style="text-align: justify;"><strong>EXCLUSIONS</strong><br />\n	General Exlusions Clause<br />\n	In no case shall this insurance cover\n	<ol>\n		<li>loss damage or expense attributable to wilful misconduct of the Assured</li>\n		<li>ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter</li>\n		<li>loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the subject-matter insured (for the purpose of this Clause 3.3 &quot;packing&quot; shall be deemed to include stowage in a container or liftvan but only when such stowage is carried out prior to attachment of this insurance or by the Assured or their servants)</li>\n		<li>loss damage or expense caused by inherent vice or nature of the subject-matter insured</li>\n		<li>loss damage or expense proximately caused by delay, even though the delay be caused by a risk insured against (except expenses payable under Clause 2 above)</li>\n		<li>loss damage or expense arising from insolvency or financial default of the owners managers charterers or operators of the vessel</li>\n		<li>loss damage or expense arising from the absence of shortage or withholding of labour of any description whatsoever resulting from any strike, lockout, labour disturbance, riot or civil commotion</li>\n		<li>any claim based upon loss of or frustration of the voyage or adventure</li>\n		<li>loss damage or expense arising from the use of any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter</li>\n		<li>loss damage or expense caused by war civil war revolution rebellion insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power.</li>\n	</ol>\n	</li>\n	<li style="text-align: justify;">Unseaworthiness and Unfitness Exclusion Clause\n	<ol>\n		<li>In no case shall this insurance cover loss damage or expense arising from\n		<ol>\n			<li>unseaworthiness of vessel or craft,</li>\n			<li>unfitness of vessel craft conveyance container or liftvan for the safe carriage of the subject-matter insured,<br />\n			<br />\n			where the Assured or their servants are privy to such unseaworthiness or unfitness of the ship and fitness of the ship to carry the subject-matter insured is loaded therein.</li>\n		</ol>\n		</li>\n		<li>The Underwriters waive any breach of the implied warranties of seaworthiness of the ship and fitness of the ship to carry the subject-matter insured to destination, unless the Assured or their servants are privy to such unseaworthiness or unfitness.</li>\n	</ol>\n	</li>\n	<li style="text-align: justify;"><strong>DURATION</strong><br />\n	​Transit Clause\n	<ol>\n		<li>This insurance attaches from the time the goods leave the warehouse or place of storage at the place named herein for the commencement of the transit, continues during the ordinary course of transit and terminates either\n		<ol>\n			<li>on delivery to the Consignees&#39; or other final warehouse or place of storage at the destination named herein,</li>\n			<li>on delivery to any other warehouse or place of storage, whether prior to or at the destination named herein, which the Assured elect to use either\n			<ol>\n				<li>for storage other than in the ordinary course of transit or</li>\n				<li>for allocation or distribution</li>\n			</ol>\n			</li>\n			<li>on the expiry of 60 days after completion of discharge overside of the goods hereby insured from the oversea vessel at the final port of discharge,<br />\n			whichever shall first occur.</li>\n		</ol>\n		</li>\n		<li>If, after discharge overside from the oversea vessel at the final port of discharge, but prior to termination of this insurance, the goods are to be forwarded to a destination other than that to which they are insured hereunder, this insurance, whilst remaining subject to termination as provided for above, shall not extend beyond the commencement of transit to such other destination.</li>\n		<li>This insurance shall remain in force (subject to termination as provided for above and to the provisions of Clause 6 below) during delay beyond the control of the Assured, any deviation, forced discharge, reshipment or transhipment and during any variation of the adventure arising from the exercise of a liberty granted to shipowners or charterers under the contract of affreightment.</li>\n	</ol>\n	</li>\n	<li style="text-align: justify;">Termination of Contract of Carriage Clause<br />\n	If owing to circumstances beyond the control of the Assured either the contract of carriage is terminated at a place other than the destination named therein or the transit is otherwise terminated before delivery of the subject-matter insured as provided for Clause 5 above, then this insurance shall also terminate&nbsp;<em>unless prompt notice is given to the Underwriters and continuation of cover is requested when the insurance shall remain in force, subject to an additional premium if required by the Underwriters,</em>&nbsp;either\n	<ol>\n		<li>until the subject-matter is sold and delivered at such place or, unless otherwise specially agreed, until the expiry of 60 days after arrival of the subject-matter hereby insured at such place, whichever shall first occur,<br />\n		or</li>\n		<li>if the subject-matter is forwarded within the said period of 60 days (or any agreed extension thereof) to the destination named herein or to any other destination, until terminated in accordance with the provisions of Clause 5 above.</li>\n	</ol>\n	</li>\n	<li style="text-align: justify;">Change of Voyage Clause<br />\n	Where, after attachment of this insurance, the destination is changed by the Assured, <em>held covered at a premium and on conditions to be arranged subject to prompt notice being given to the Underwriters.</em></li>\n	<li style="text-align: justify;"><strong>CLAIMS</strong><br />\n	Insurable Interest Clause\n	<ol>\n		<li>In order to recover under this insurance the Assured must have an insurable interest in the subject-matter insured at the time of the loss.</li>\n		<li>Subject to 8.1 above, the Assured shall be entitled to recover for insured loss occurring during the period covered by this insurance, notwithstanding that the loss occurred before the contract of insurance was concluded, unless the Assured were aware of the loss and the Underwriters were not.</li>\n	</ol>\n	</li>\n	<li style="text-align: justify;">Increased Value Clause\n	<ol>\n		<li>If any Increased Value insurance is effected by the Assured on the cargo insured herein the agreed value of the cargo shall be deemed to be increased to the total amount insured under this insurance and all Increased Value insurances covering the loss, and liability under this insurance shall be in such proportion as the sum insured herein bears to such total amount insured.<br />\n		In the event of claim the Assured shall provide the Underwriters with evidence of the amounts insured under all other insurances.</li>\n		<li><strong>Where this insurance is on Increased Value the following clause shall apply:</strong><br />\n		The agreed value of the cargo shall be deemed to be equal to the total amount insured under the primary insurance and all Increased Value insurances covering the loss and effected on the cargo by the Assured, and liability under this insurance shall be in such proportion as the sum insured herein bears to such total amount insured.<br />\n		In the event of claim the Assured shall provide the Underwriters with evidence of the amounts insured under all other insurances.</li>\n	</ol>\n	</li>\n	<li style="text-align: justify;"><strong>BENEFIT OF INSURANCE</strong><br />\n	Not to Inure Clause<br />\n	This insurance shall not inure to the benefit of the carrier or other bailee.</li>\n	<li style="text-align: justify;"><strong>MINIMISING LOSSES</strong><br />\n	Duty of Assured Clause<br />\n	It is the duty of the Assured and their servants and agents in respect of loss recoverable hereunder\n	<ol>\n		<li>to take such measures as may be reasonable for the purpose of averting or minimising such loss, and</li>\n		<li>to ensure that all rights against carriers, bailees or other third parties are properly preserved and exercised<br />\n		and the Underwriters will, in addition to any loss recoverable hereunder, reimburse the Assured for any charges properly and reasonably incurred in pursuance of these duties.</li>\n	</ol>\n	</li>\n	<li style="text-align: justify;">Waiver Clause<br />\n	Measures taken by the Assured or the Underwriters with the object of saving, protecting or recovering the subject-matter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party.</li>\n	<li style="text-align: justify;"><strong>AVOIDANCE OF DELAY</strong><br />\n	Reasonable Despatch Clause<br />\n	It is a condition of this insurance that the Assured shall act with reasonable despatch in all circumstances within their control.</li>\n	<li style="text-align: justify;"><strong>LAW AND PRACTICE</strong><br />\n	English Law and Practice Clause<br />\n	This insurance is subject to English law and practice.</li>\n</ol>\n\n<p style="text-align: justify;"><strong><em>NOTE: It is necessary for the Assured when they become aware of an event which is &quot;held covered&quot; under this insurance to give prompt notice to the Underwriters and the right to such cover is dependent upon compliance with this obligation.</em></strong></p>\n', '', 2080, '', '2015-09-11 12:00:18', '2016-04-27 15:49:31', 14, 14),
(442, '5', 'ENG-DED-CLA', 'DEDUCTIBLE CLAUSE', '<p>IT IS HEREBY DECLARED AND AGREED that the deductibles, the amount to be first borne by the Insured in respect of each and every occurrence for loss or damage to Section I Material Damage under the Schedule of this Policy are as follows.</p>\n\n<ol start="1" style="list-style-type:decimal">\n	<li>P 400,000.00&nbsp;- loss or damage arising out or earthquake, storm, typhoon, cyclone, flood, inundation, subsidence, landslide, collapse, rockslide, tempest, volcanism, tsunami &amp; wave or water action.</li>\n	<li>P 200.000.00&nbsp;-&nbsp;for loss or damage arising out of any other cause.</li>\n</ol>\n\n<p><strong>Nothing herein contained shall be held to vary, alter waive or change any of the terms, limits or conditions of the Policy except as hereinabove set forth.</strong></p>\n\n<p>This endorsement is effective: July 14, 2014</p>\n\n<p>Attached to and forming part of Policy No.CAR-2014-0022</p>\n\n<p><strong>of Alliedbankers Insurance Corporation</strong></p>\n', '', 2090, '', '2015-09-17 14:03:56', '2017-03-26 21:00:16', 14, 203),
(443, '5', 'ENG-FST-END', 'FORMWORKS SCAFFOLDS/TEMPORARY FACILITIES ENDORSEMENT', '<p>IT IS HEREBY UNDERSTOOD AND AGREED that otherwise subject to the terms, exclusions, provisions and conditions&nbsp;contained in the Policy or endorsed thereon, cover on formworks; scaffolds, supporting structures and the like shall be subject to the following:</p>\n\n<ol style="list-style-type:lower-alpha">\n	<li>Formwork, scaffolds, supporting structures and the like as defined herein are fixtures of temporary construction, e.g., wood forms, plywood forms, etc. Temporary structures of steel construction, e.g., steel/metal scaffolds and forms are to be regarded as Construction Equipment.</li>\n	<li>In the event of an occurrence of loss or damage to these formworks, scaffolds, supporting structures and the like, the extent of loss by which the insurers shall be liable shall be limited to the reasonable cost of such formworks, scaffolds, supporting structures and the like in so far as they are included in the contact costs insured under this policy less charges for depreciation of&nbsp; such formworks, scaffolds, supporting structures and the like.</li>\n</ol>\n\n<p style="margin-left:40px">Depreciation as defined by this cover&nbsp; shall be computed as follows:</p>\n\n<p style="margin-left:40px">Where</p>\n\n<ul style="list-style-type:square">\n	<li>D&nbsp; = depreciation</li>\n	<li>Lo = number of months the item (s) is/are in service</li>\n	<li>L1&nbsp; &nbsp;= reasonable useful life of the Items(s)</li>\n	<li>S&nbsp;&nbsp; = reasonable value of the item(s) as can be computed from the&nbsp;contract cost insured in this policy.</li>\n</ul>\n\n<p style="margin-left:40px; text-align:center">D = __<u>Lo</u>_&nbsp;x S<br />\n&nbsp; &nbsp;L1</p>\n\n<p style="margin-left:40px">Where temporary structures of steel construction herein defined as Construction Equipment are alleged to be part of the contract insured by this policy, the liability of the policy shall be limited to its cost of use.&nbsp; Cost of use as defined herein shall be computed as follows:</p>\n\n<p style="margin-left:40px">Where</p>\n\n<p style="margin-left:40px">Vc = value of temporary structure can be reasonably computed&nbsp;from the insured contract cost</p>\n\n<p style="margin-left:40px">Vn = indentifiable number of&nbsp; uses&nbsp; of this temporary structure&nbsp;during the construction period.</p>\n\n<p style="margin-left:40px">COST OF USE = Vc -:- Vn</p>\n\n<p>Otherwise, temporary structures as defined herein should have been insured separately under Item 2 - Construction Plant and Equipment in the policy Schedule:</p>\n\n<p style="text-align:center"><strong>Temporary Facilities</strong></p>\n\n<p>IT IS HEREBY UNDERSTOOD AND AGREED that otherwise subject to the terms, exclusions, provisions and conditions containted in the Policy or endorsed thereon, the cover being provided by this policy in respect of temporary facilities like bunkhouses, staff houses, temporary field offices, etc. shall be subject to the policy provision on the Period of Cover.</p>\n\n<p>Nothing herein contained shall be held to vary, alter, waive or change any of the terms, limits or conditions of the policy, except as hereinabove set forth.</p>\n\n<p>This endorsement is effective: July 14, 2014</p>\n\n<p>Attached to and forming part of Poicy No. CAR-2014-0022<br />\nof Alliedbankers&nbsp;Insurance Corporation</p>\n', '', 2095, '', '2015-09-17 14:08:33', '2017-03-26 21:06:28', 14, 203),
(449, '5', 'ENG-SEN-WAR', 'SITE HUTS, EXCAVATIONS & NETTING WARRANTY', '<p style="text-align: justify;">It is hereby understood and agreed that otherwise subject to the terms, exclusions, provisions and conditions contained in the Policy or endorsed thereon, the Insurers shall only indemnify the Insured in respect of loss, damage or liability resulting from the insured works and from the operation of site huts and excavations if the Insured complies with the following warranties:</p>\n\n<p style="text-align: center;"><strong>SITE HUTS WARRANTY:</strong></p>\n\n<p style="text-align: justify;">Warranted all camps, stores, workers&#39; huts and the like are outside the building superstructure and are located in a reasonably safe distance away.</p>\n\n<p style="text-align: center;"><strong>DEEP EXCAVATION WARRANTY:</strong></p>\n\n<p style="text-align: justify;">Warranted that any and all excavation greater than 1.5 meters deep are fenced to avoid ingress by third parties and that these are properly and sufficiently braced and supported to prevent collapse.</p>\n\n<p style="text-align: center;"><strong>NETTING WARRANTY:</strong></p>\n\n<p style="text-align: justify;">Warranted that the contractor installed adequate and proper netting around the contract work to prevent loss, damage or liability to third party property and bodily unjury.</p>\n\n<p style="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 hereinabove set forth.</p>\n\n<p style="text-align: justify;">This endorsement is effective: July 14, 2014</p>\n\n<p style="text-align: justify;">Attached to and forming part of Policy No. CAR-2014-0022</p>\n', '', 3020, '', '2015-09-17 15:02:35', '2015-09-17 15:56:26', 14, 14),
(454, '1,2,3,4,5,6,7,11,13', 'PA-DOC-CLA', 'DOCUMENTARY STAMPS CLAUSE', '<p>Please be advised that in accordance with BIR Regulation Nos. 9-2000 dated August 31, 2000 and 15-2001 dated October 16, 2001, and Insurance Commission Circular Letter No. 7-2002, all insurance companies are required to affix documentary stamps on all insurance policies and bonds by using the on-line Documentary Stamps Tax (DST) metering machine.&nbsp; Liability for documentary stamps therefore accrues upon issuance of the policy.&nbsp; The appropriate documentary stamps will be charged once an insurance policy/bond (new or renewal) or endorsement involving additional premium is issued.</p>\n\n<p>Please note that the documentary stamps charges will not be refunded even if there are subsequent endorsements cancelling the policy or reducing the original premium involved.</p>\n\n<p>Please be guided accordingly.</p>\n', '', 3050, '', '2015-09-17 15:47:05', '2017-05-18 16:20:43', 14, 169),
(455, '4,5', 'PA-CLA-AGR', 'CLARIFICATION AGREEMENT', '<p>Property damage covered under this agreement shall mean physical damage to the substance of property</p>\n\n<p>Physical damage to the substance of property shall not include damage to data or software in particular any detrimental change in date, software or computer programs that is caused by a deletion, corruption or a deformation of the original structure.</p>\n\n<p>Consequently, the following are excluded from the Agreement:</p>\n\n<p>Loss or damage to data or software, in particular any detrimental change in data, software or computer programs that is caused by a deletion, a corruption or a deformation of the original structure and any business interruption losses resulting from such loss or damage. Notwithstanding this exclusion, loss of or damage to data or software which is the direct consequence of insured physical damage to the substance of property shall be covered.</p>\n\n<p>Loss or damage resulting from an impairment in the function, availability, range of use or accessibility of data, software or computer programs and any business interruption losses resulting from such loss or damage.</p>\n', '', 3055, '', '2015-09-17 15:54:26', '2015-12-18 15:12:47', 14, 14),
(456, '2', 'MCARGO-TRC', 'TRUCK RISK CLAUSE', '<p style="text-align: justify;">This policy covers the above goods and/or merchandise against:</p>\n\n<ol>\n	<li style="text-align: justify;">Fire, including self-ignition and internal explosion of the conveyance.</li>\n	<li style="text-align: justify;">Accidental collision of the vehicle with any other automobile vehicle or object excluding, however, contact with any portion of the road, curbing, or any stationary object while backing for loading and unloading, or rails or ties of the street and excluding collision of the load with any object when such collision does not involve collision of the carrying truck.</li>\n	<li style="text-align: justify;">Overturning or upset of the motor truck.</li>\n	<li style="text-align: justify;">Collapse or subsidence of bridges.</li>\n	<li style="text-align: justify;">Explosion</li>\n</ol>\n', '', 3040, '', '2016-01-14 16:45:48', '2016-01-14 16:46:55', 14, 14),
(457, '2', 'OLOADING-CLA', 'OVERLOADING CLAUSE', '<p>WARRANTED in the event of loss or damage in craft, no claim shall attach to this policy if maritime authorities investigation shows craft to have been improperly overloaded or in such condition as not to warrant the acceptance of the cargo insured.</p>\n', '', 3045, '', '2016-01-14 16:51:40', '2016-01-14 16:51:40', 14, 14),
(458, '2', 'ROB-HIJ', 'ROBBERY/HIJACKING CLAUSE', '<p style="text-align: justify;">In consideration of the payment by the Insured to the Company of an additional premium (included in the Bill) it is hereby declared and agreed that this policy shall also cover loss or damage to the insured property as a result of robbery/hijacking (*) or any attempt or frustration thereat, excluding however, any loss or damage caused by dishonet, fraudulent, or criminal act or omission on the part of the Insured, or other parties in interest, his/her/their employees, agents, or authorized representative or others to whom the Insured property may be left or in whose care, custody or control said property is entrusted.</p>\n\n<p style="text-align: justify;">It is expressly stipulated that in no case shall the Company be liable to pay under this clause mroe than eighty (80%) percent of the value of the property at the time of loss, or in the event of other subsisting robbery/hijacking insurances, its proportion of eighty (80%) percent of the amount of any loss or damage to the property insured hereunder, nor in any case an amount exceeding the sum insured hereby or the amount collectible after application of Policy Condition No. 20, it being the intention that the Insured shall be considered as being his own insurer to the extent of at least twenty (20%) percent and must therefore bear at least twenty (20%) percent of any loss that may occur.</p>\n\n<p style="text-align: justify;">PROVIDED ALWAYS, that all conditions of this Policy (including warranties, clauses and/or endorsements thereto), shall also apply to the herein risk (except only in so far as said condition or conditions may have been expressly waived or excluded hereunder), and that any reference in the Policy to loss or damage shall be deemed to apply to loss or damage directly caused by robbery/hijacking.</p>\n\n<p style="text-align: justify;">The insured upon knowledge of any loss or damage recoverable under this clause shall give immediately a detailed report of said loss or damage to the Company and to the Police having jurisdiction, as a condition precedent for indemnification by the Company.</p>\n\n<p style="text-align: justify;">In the event of loss or damage for which claim is made under this endorsement, the Insured shall, at the request and expense of the Company take legal action to secure the arrest and prosecution of the offenders and the recovery of the property.</p>\n\n<p style="text-align: justify;">(*) ROBBERY - shall mean robbery as defined below in Article 293 of the Revised Penal Code of the Philippines</p>\n\n<p style="text-align: justify;">Act No. 3815 - any person who, with intent to gain, shall take any personal property belonging to another, by means of violence against or intimidation of any person, or using force upon anything shall be guilty of robbery.</p>\n\n<p style="text-align: justify;">(**) HIJACKING - to steal goods in transit, a truck and its contents by force, intimidation and threat.</p>\n\n<p style="text-align: justify;">(***) THING - shall include building, apartment, office, room, etc.</p>\n', '', 3050, '', '2016-01-14 17:02:19', '2016-01-14 17:18:28', 14, 14),
(459, '3', 'END-FOUR', 'ENDORSEMENT NO. 4', '<p style="text-align: center;"><strong>DRUNKEN DRIVER CLAUSE</strong></p>\n\n<p style="text-align: justify;">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\n<p style="text-align: center;">ACCESSORIES CLAUSE</p>\n\n<p style="text-align: justify;">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', '', 3055, '', '2016-01-15 14:18:57', '2020-05-19 19:00:32', 14, 202),
(460, '3', 'DEP-REF-VAN', 'DEPRECIATION SCHEDULE FOR REFRIGERATED VAN', '<p style="text-align: justify;">It 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 damaged part(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;">Age of Vehicle &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;(Share of the Insured)</p>\n\n<p style="text-align: justify;">Up to 3 years &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 15%<br />\nOver 3 years up to 4 years &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;25%<br />\nOver 4 years up to 5 years &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;30%<br />\nOver 5 years up to 6 years &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;35%<br />\nOver 6 years up to 7 years &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;40%<br />\nOver 7 years &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;45%<br />\nRebuilt and Reconditioned Vehicles &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;50%<br />\n&nbsp;Batteries, Tires, Ball Joints,<br />\n&nbsp;Tie Rods, Shock Absorbers (For<br />\n&nbsp;vehicles over three (3) years old) &nbsp; &nbsp; &nbsp; &nbsp; 50%</p>\n\n<p style="text-align: justify;">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.</p>\n\n<p style="text-align: justify;">ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNALTERED.</p>\n', '', 3060, '', '2016-01-20 16:56:32', '2016-09-27 14:35:45', 14, 14),
(461, '3', 'LIMIT-USE', 'LIMITATIONS AS TO USE', '<p>Use only for social, domestic and pleasure purposes, and for the Insured&#39;s order or with his permission.</p>\n\n<p>This policy covers:</p>\n\n<ol>\n	<li>Use for the hauling and/or carrying of logs, lumber, sand, gravel, bottled beverages, gasoline products and/or other inflammable articles or materials or for hire or reward</li>\n	<li>Use for racing, pacemaking, reliability trial or speed testing</li>\n</ol>\n', '', 3065, '', '2016-01-28 14:57:31', '2016-01-28 14:57:31', 14, 14),
(462, '2', 'MAR-ICC-AIR', 'INSTITUTE CARGO CLAUSES (AIR)', '<ol>\n	<li style="text-align: justify;"><strong>RISKS COVERED</strong><br />\n	Risks Clause<br />\n	This insurance covers all risks of loss or damage to the subject-matter insured except as provided in Clauses 2, 3 and 4 below.<br />\n	&nbsp;</li>\n	<li style="text-align: justify;"><strong>EXCLUSIONS</strong><br />\n	General Exclusions Clause<br />\n	In no case shall this insurance cover\n	<ol>\n		<li>loss damage or expense attributable to wilful misconduct of the Assured</li>\n		<li>ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured</li>\n		<li>loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the subject-matter insured (for the purpose of this Clause 2.3 &quot;packing&quot; shall be deemed to include stowage in a container or liftvan but only when such stowage is carried out prior to attachment of this insurance or by the Assured or their servants)</li>\n		<li>loss damage or expense caused by inherent vice or nature of the subject-matter insured</li>\n		<li>loss damage or expense arising from unfitness of aircraft conveyance container or liftvan for the safe carriage of the subject-matter iinsured, where the Assured or their servants are privy to such unfitness at the time the subject-matter insured is loaded therein</li>\n		<li>loss damage or expense proximately caused by delay, even though the delay be caused by a risk insured against</li>\n		<li>loss damage or expense arising from insolvency or financial default of the owners managers charterers or operators of the aircraft</li>\n		<li>loss damage or expense arising from the use of any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.</li>\n	</ol>\n	</li>\n	<li style="text-align: justify;">War Exclusion Clause<br />\n	In no case shall this insurance cover loss damage or expense caused by\n	<ol>\n		<li>war civil war revolution rebellion insurrection, or civil strife arising therefrom, or any hostile act by or against a beiligerent power</li>\n		<li>capture seizure arrest restraint or detainment (piracy excepted), and the consequences thereof or any attempt thereat.</li>\n		<li>derelict mines torpedoes bombs or other derelict weapons of war.</li>\n	</ol>\n	</li>\n	<li style="text-align: justify;">Strikes Exclusion Clause<br />\n	In no case shall this insurance cover loss damage or expense\n	<ol>\n		<li>caused by strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions</li>\n		<li>resulting from strikes, lock-outs, labour disturbances, riots or civil commotions</li>\n		<li>caused by any terrorist or any person acting from a political motive.<br />\n		&nbsp;</li>\n	</ol>\n	</li>\n	<li style="text-align: justify;"><strong>DURATION</strong><br />\n	Transit Clause\n	<ol>\n		<li>This insurance attaches from the time subject-matter insured leavers the warehouse, premises or place of storage at the place named herein for the commencement of the transit, continues during the ordinary course of transit and terminates either\n		<ol>\n			<li>on delivery to the Consignees&#39; or other final warehouse, premises or place of storage at the destination named herein,</li>\n			<li>on delivery to any other warehouse, premises or place of storage, whether prior to or at the destination named herein, which the Assured elect to use either\n			<ol>\n				<li>for storage other than in the ordinary course of transit or</li>\n				<li>for allocation or distribution</li>\n			</ol>\n			</li>\n			<li>on the expiry of 30 days after unloading the subject-matter insured from the aircraft at the final place of discharge,<br />\n			​whichever shall first occur.</li>\n		</ol>\n		</li>\n		<li>If, after unloading from the aircraft at the final place of discharge, but prior to termination of this insurance, the subject-matter insured is forwarded to a destination other than that to which it is insured hereunder, this insurance, whilst remaining subject to termination as provided for above, shall not extend beyond the commencement of transit to such other destination.</li>\n		<li>This insurance shall remain in force (subject to termination as provided for above and to the provisions of Clause 6 below) during delay beyond the control of the Assured, any deviation, forced discharge, reshipment or transhipment and during any variation of the adventure arising from the exercise of a liberty granted to the air carriers under the contract of carriage.</li>\n	</ol>\n	</li>\n	<li style="text-align: justify;">Termination of Contract of Carriage Clause<br />\n	If owing to circumstances beyond the control of the Assured either the contract of carriage is terminated at a place other than the destination named therein or the transit is otherwise terminated before delivery of the subject-matter insured as provided for Clause 5 above, then this insurance shall also terminate&nbsp;<em>unless prompt notice is given to the Underwriters and continuation of cover is requested when the insurance shall remain in force, subject to an additional premium if required by the Underwriters,</em>&nbsp;either\n	<ol>\n		<li>until the subject-matter is sold and delivered at such place or, unless otherwise specially agreed, until the expiry of 30 days after arrival of the subject-matter hereby insured at such place, whichever shall first occur,<br />\n		or</li>\n		<li>if the subject-matter is forwarded within the said period of 30 days (or any agreed extension thereof) to the destination named herein or to any other destination, until terminated in accordance with the provisions of Clause 5 above.</li>\n	</ol>\n	</li>\n	<li style="text-align: justify;">Change of Transit Clause<br />\n	Where, after attachment of this insurance, the destination is changed by the Assured,&nbsp;<em>held covered at a premium and on conditions to be arranged subject to prompt notice being given to the Underwriters.</em></li>\n	<li style="text-align: justify;"><strong>CLAIMS</strong><br />\n	Insurable Interest Clause\n	<ol>\n		<li>In order to recover under this insurance the Assured must have an insurable interest in the subject-matter insured at the time of the loss</li>\n		<li>Subject to 8.1 above, the Assured shall be entitled to recover for insured loss occurring during the period covered by this insurance, notwithstanding that the loss occurred before the contract of insurance was concluded, unless the Assured were aware of the loss and the Underwriters were not.</li>\n	</ol>\n	</li>\n	<li style="text-align: justify;">Forwarding Charges Clause<br />\n	Where, as a result of the operation of a risk covered by this insurance, the insured transit is terminated at a place other than that to which the subject-matter is covered under this insurance, the Underwriters will reimburse the Assured for any extra charges properly and reasonably incurred in unloading storing and forwarding the subject-matter to the destination to which it is insured hereunder.<br />\n	<br />\n	This Clause 9, which does not apply to general average or salvage charges, shall be subject to the exclusions contained in Clauses 2, 3 and 4 above, and shall not include charges arising from the fault negligence insolvency or financial default of the Assured or their servants.</li>\n	<li style="text-align: justify;">Constructive Total Loss Clause<br />\n	No claim for Constructive Total Loss shall be recoverable hereunder unless the subject-matter insured is reasonably abandoned either on account of its actual total loss appearing to be unavoidable or because the cost of recovering, reconditioning and forwarding the subject-matter to the destination to which it is insured would exceed its value on arrival.</li>\n	<li style="text-align: justify;">Increase Value Clause\n	<ol>\n		<li>If any Increased Value insurance is effected by the Assured on the cargo insured herein the agreed value of the cargo shall be deemed to be increased to the total amount insured under this insurance and all Increased Value insurances covering the loss, and liability under this insurance shall be in such proportion as the sum insured herein bears to such total amount insured.<br />\n		In the event of claim the Assured shall provide the Underwriters with evidence of the amounts insured under all other insurances<span style="display:none">&nbsp;</span></li>\n		<li><strong>Where this insurance is on Increased Value the following clause shall apply:</strong><br />\n		The agreed value of the cargo shall be deemed to be equal to the total amount insured under the primary insurance and all Increased Value insurances covering the loss and effected on the cargo by the Assured, and liability under this insurance shall be in such proportion as the sum insured herein bears to such total amount insured.<br />\n		In the event of claim the Assured shall provide the Underwriters with evidence of the amounts insured under all other insurances.</li>\n	</ol>\n	</li>\n	<li style="text-align: justify;"><strong>BENEFIT OF INSURANCE</strong><br />\n	Not to Inure Clause<br />\n	This insurance shall not inure to the benefit of the carrier or other bailee.</li>\n	<li style="text-align: justify;"><strong>MINIMISING LOSSES</strong><br />\n	Duty of Assured Clause<br />\n	It is the duty of the Assured and their servants and agents in respect of loss recoverable hereunder\n	<ol>\n		<li>to take such measures as may be reasonable for the purpose of averting or minimising such loss, and</li>\n		<li>to ensure that all rights against carriers, bailees or other third parties are properly preserved and exercised<br />\n		and the Underwriters will, in addition to any loss recoverable hereunder, reimburse the Assured for any charges properly and reasonably incurred in pursuance of these duties.</li>\n	</ol>\n	</li>\n	<li style="text-align: justify;">Waiver Clause<br />\n	Measures taken by the Assured or the Underwriters with the object of saving, protecting or recovering the subject-matter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party.</li>\n	<li style="text-align: justify;"><strong>AVOIDANCE OF DELAY</strong><br />\n	Reasonable Despatch Clause<br />\n	It is a condition of this insurance that the Assured shall act with reasonable despatch in all circumstances within their control.</li>\n	<li style="text-align: justify;"><strong>LAW AND PRACTICE</strong><br />\n	English Law and Practice Clause<br />\n	This insurance is subject to English law and practice.</li>\n</ol>\n\n<p style="text-align: justify;"><strong><em>NOTE: It is necessary for the Assured when they become aware of an event which is &quot;held covered&quot; under this insurance to give prompt notice to the Underwriters and the right to such cover is dependent upon compliance with this obligation.</em></strong></p>\n', '79', 3070, '', '2016-04-27 10:41:19', '2017-05-18 15:41:29', 14, 71),
(463, '2', 'MAR-INTA', 'IMPORTANT NOTICE TO THE ASSURED', '<p>IN CASE OF LOSS, It is the duty of the assured and their representative to take reasonable measures in order to prevent or minimize a loss, and to ensure that all rights against carriers and bailees or other third parties, i.e. vessel owners, arrastre operator, customs broker, truckers, etc., are properly preserved and exercised.</p>\n\n<p>In particular, the Assured or their representatives are required to:-</p>\n\n<ol>\n	<li>Immediately notify Alliedbankers&nbsp;INSURANCE CORPORATION of any loss/damage or any occurrence, which could give rise to a claim under the policy.<br />\n	<br />\n	The Assured mist give notice of loss to Alliedbankers INSURANCE CORPORATION through the fastest means to him within 48 hours from date of loss</li>\n	<li>Immediately file a formal claim against the following parties:\n	<ol>\n		<li>​Steamship company or through its agents/representative.<br />\n		Formal claim should be file against the particular ship owner within the period provided for in the bill of lading (or air waybill in case of air freight).&nbsp; If the loss or damage is not apparent at time of delivery to the Assured&rsquo;s/Cosignee&rsquo;s warehouse, notice of such loss or damage must be given within twenty-four (24) hours as per Art. 366 of Code of commerce from delivery of shipment.</li>\n		<li>Arrastre Constactor<br />\n		If there are apparent losses or damages to a shipment prior to withdrawal from Arrastre Contractors, a request for issuance of a Bad Order certificate or Certificate of Non-delivery should be made and a formal claim against the contractor be filed within fifteen (15) days from the date of issuance of such certificate. Otherwise, the written request for such certificate should be made within thirty (30) days from date of delivery of last package.</li>\n		<li>Customs Brokers, Truckers/Forwarders<br />\n		<strong>Formal claim should be filed against the customs broker within the period stated in the delivery receipt or waybill or a note protest detailing the conditions of the goods should be indicated on the Delivery Receipt or Waybill upon receipt of goods.</strong>\n		<p>In the event that a shipment is noted to have sustained loss or damage, whether or not the signs are apparent at the time of arrival at Assured&rsquo;s warehouse, the Assured should immediately notify Alliedbankers INSURANCE CORPORATION and/or the designated surveyors and to await for each representatives before continuing with the inventory/inspection</p>\n\n		<p><strong>In no case shall the Assured or each representatives sign the carrier&rsquo;s receipt of delivery without protest when Assured is in doubt as to the contents or the condition of shipment or where an apparent loss or damage to the shipment is noted at the time of arrival of shipment at Assured warehouse. In this respect, the Assured or its representatives are strongly advised to conduct a thorough inspection of the delivered shipment to check any signs or loss/damage to the contents therein before carrier&rsquo;s receipt of delivery is signed clean and without any exception.</strong></p>\n		</li>\n	</ol>\n	</li>\n	<li>​Preserve all documentary evidence of loss/damage and submit all the original carbon copy (not photocopy) of these evidence to Alliedbankers INSURANCE CORPORATION,&nbsp; as follows:\n	<ol>\n		<li>​Policy or Certificate of Insurance</li>\n		<li>Negotiable Bill of Lading and/or Airway Bill, as applicable</li>\n		<li>Supplier&rsquo;s Invoice</li>\n		<li>Packing List</li>\n		<li>Delivery Receipts</li>\n		<li>Turn-over Survey issued by Arrastre Contractor</li>\n		<li>Receipted original duplicate copy of Assured&rsquo;s formal claim against Steamship Company, Arrastre and Customs Broker and/or Trucker, Hauler and/or other Bailees<br />\n		&nbsp;\n		<p>Alliedbankers INSURANCE CORPORATION can only act on all claims with dispatch if the foregoing documents are submitted promptly.</p>\n\n		<p>This documents are basic requirements and Alliedbankers INSURANCE CORPORATION reserves the right to require additional documents, if necessary.​</p>\n		</li>\n	</ol>\n	</li>\n	<li>Cooperate with the surveyor/adjuster assigned by Alliedbankers INSURANCE CORPORATION to investigative.</li>\n</ol>\n', '', 3075, '', '2016-06-08 11:45:45', '2017-03-26 22:09:39', 14, 203),
(464, '7', 'N/A', 'NOT APPLICABLE', '', '22,29', 3080, '', '2016-06-30 13:40:37', '2016-07-07 11:41:52', 14, 14),
(465, '1', 'IND-WAR-III', 'INDUSTRIAL WARRANTY III', '<p>It is hereby declared and agreed that during the currency of this Policy, none of the following trades and/or industries or manufacture of the products listed shall be engaged in or carried on in the building to which this insurance applies nor in any building communicating therewith.</p>\n\n<p>Breach of this condition will render this Policy null and void.</p>\n\n<p>Acetylene &nbsp; &nbsp;<br />\nAdhesives<br />\nAmmonia &nbsp;<br />\nAsphalt<br />\nAsphalt (Impregnated) Paper &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<br />\nBone Meal<br />\nCalcium Carbide&nbsp;<br />\nCandle Makers &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;<br />\nCarbon Black<br />\nCarpet Weaving (No Warranty) &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<br />\nCattle Feed<br />\nCelluloid Manufacturing<br />\nCelluloid Processing<br />\nCharcoal Works&nbsp;<br />\nChemical Dye Works Using Flammable or Explosives Materials or Substances<br />\nChemical Works Using Explosives Materials or Substances<br />\nChemical Works Using Flammable Materials or Substances<br />\nCoconut Matting<br />\nCreosoting<br />\nCushions<br />\nDry Cleaning - Without Warranty<br />\nExplosives &nbsp;<br />\nFeather Cleaning<br />\nFertilizer Plants other than those listed under &quot;Industrial Warranty II and III&quot;<br />\nFiber Spinning of Plant Fibers &nbsp;&nbsp;<br />\nFiberglass - Reinforced Plastic<br />\nFilm Manufacturing &nbsp; &nbsp; &nbsp;<br />\nFire Works<br />\nFish Meals<br />\nFoam Plastics of All Kinds and Other Plastic Goods Except Those Using Nylon,&nbsp;<br />\nPhenol Formaldehyde, Cresol Formaldehyde, Melamine Formaldehyde, Polyvinyl&nbsp;<br />\nChloride and/or Phenol Furfural Polystyrene, Polythene, Methyl Methracrylate,&nbsp;<br />\nCellulose Acetate, Cellulose Acetate Butyrate, Polyvinyl Butyrate, Ethyl Cellulose&nbsp;and/or Propionate (Subject to Plastics Goods Factories Warranty)&nbsp;<br />\nFoam Rubber &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Glue<br />\nHydrogen Plants<br />\nKapok Mills<br />\nLinoleum&nbsp;<br />\nMattresses<br />\nMotor Car Repair Shops - Not Subject to Garage Warranty<br />\nOil Cloth<br />\nOil (Mineral) Distillation and/or Processing<br />\nOxygen Plants<br />\nPaint (Rubber Based) Lacquer<br />\nParaffin Processing Into Petrochemical Raw Materials as Ethylene, Propylene and Acetylene<br />\nPetroxide<br />\nPetroleum &nbsp;Distillation and/or Isomerization and/or Cracking and/or Polymerization<br />\nPillows<br />\nPolish<br />\nPrinting Ink<br />\nQuilt Beds<br />\nRag Grinding and/or Processing&nbsp;<br />\nResin Distillation and/or Grinding and/or Melting<br />\nRubber Foam<br />\nRubber Goods Using Carbon Disulfide and other than Steam heat<br />\nRubber Smoke Houses<br />\nSawmills (Ordinary)<br />\nScrap Paper Sorting and pressing<br />\nTanneries - Without Warranty<br />\nTar Refinery and/or Distillery<br />\nTarpaulins<br />\nUpholstery&nbsp;<br />\nVarnish<br />\nWood Preserving<br />\nWoodworkers Using Power Generated Within the Building</p>\n', '', 3085, '', '2016-07-19 16:22:17', '2017-05-05 12:22:37', 14, 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
(466, '1', 'RS-END', 'RIOT STRIKE ENDORSEMENT', '<p>In consideration of the payment of an additional premium, it is hereby agreed and declared that not with standing anything in the within written Policy contained to the contraty the insurance under this Policy shall extend to cover Riot and Strike damage which for the purpoase of this Endorsement shall mean (subject always to Special Conditions here in after contained).</p>\n\n<p>&nbsp;Loss of or damage to the property insured directly cause by;-</p>\n\n<ol>\n	<li>The act of any person taking part togather with others in any disturbance of the public peace(weather in connection with a strike or lock-out or not) not being an occurence mentioned in Condition 6 of the Special Conditions hereof.&nbsp;</li>\n	<li>The action of any lawfully constitude authority in suppresing or attemnpting to suppress any such disturbance or in minimising the consequence of any such disturbance.&nbsp;</li>\n	<li>The wilful act of any strike or locked-out worker done in fitherance of a strike or in resistance to a lock-out.&nbsp;</li>\n	<li>The action of any lawfully constituted authority in preventing or attempting to prevent any such act or in minimising the consequence of any such act.&nbsp;</li>\n</ol>\n\n<p><u>SPECIAL CONDITIONS</u></p>\n\n<p>For the purpose of this Endorsement but not otherwise there shall be subtituted for the respectively numbered conditions of the Policy the following;-</p>\n\n<p><u>CONDITION 5.</u></p>\n\n<p>&nbsp;This insurance does not cover:-&nbsp;</p>\n\n<ol>\n	<li>Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.&nbsp;</li>\n	<li>Loas or damage resulting from total or partial cessation of work or the retarding or Interuption or cessation of any process or operation</li>\n	<li>Loaa or damge occasioned by permanent or temporary dispossession resulting from confiscation, commandering or requisition by any lawfully contituted authority.</li>\n	<li>Loss or damage occasioned by permanent or temporary dispossesion of any building resulting from the unlawfull occupation by any person of such building.&nbsp;</li>\n	<li>Loss or damage directly or indirectly caused by or arising from or in consequence of or to contributed to by nuclear waepon material.&nbsp;</li>\n</ol>\n\n<p>PROVIDED nevertheless that the Company is not relieved under (c) or (d) above of liability to the Insured im respect of physical damage to the property Insured occuring before dispossesion or during temporary dispossesion.&nbsp;</p>\n\n<p>&nbsp; (II) This insurance dose not cover loss or damage sirectly or indirectly caused by or arising from or in consequence of or contributed to by lonizing radiations or contamination by radioactivity from any luclear fuel or for any nuclear waste from the combustion of nuclear fuel. For the purposes of this Condition 5 (II) only combustion shall include any self-sustaining process of nuclear fission.&nbsp;</p>\n\n<p><u>CONDITION 6.</u></p>\n\n<p>This insurance does not cover any loss or damage occasioned by or through or in consequence, directly or indirectly of any in the following occurances, namely:-&nbsp;</p>\n\n<ol>\n	<li>&nbsp;War, invasion, act or foreign enemy, hostillties or warlike operations (whether war be declared or not), civil war.&nbsp;</li>\n	<li>Mutiny, civil commotion assuming the propotions of or amounting to a popular rising, millitary rising, insurrection, rebellon, revolution, millary or usuped power, or any act of any person acting on behalf of or in connection with any organization with activity directed towards the overthrow by force of the Government de jure or de facto or to the influencing of it by terrorism or violence.&nbsp;</li>\n	<li>Acts of terrorism commited by a person or persons acting on behalf of or in connection with any organization.&nbsp;</li>\n</ol>\n\n<p>For the purpose of ths endoresement 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 connection with any organization(s) or government(s), commited for political, religious, ideological or similar purpose inlucing the intention of influence any government and/or to put the public, or any section of the public, in fear.&nbsp;</p>\n\n<p>This endorsement also ecludes loss, damage, cost or expences of whatsoever nature directly or indirectly cuased by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism.</p>\n\n<p>In any action, suit or other proceeding, where the Company alleges that by reason of the provision of this condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon the Insured.&nbsp;</p>\n\n<p><u>CONDITION 8.</u></p>\n\n<p>Unless otherwise expressly stated in the Policy this Insurance does not cover:-&nbsp;</p>\n\n<ol>\n	<li>Goods held in trust or on commission.&nbsp;</li>\n	<li>Bullon or unset precious stories.&nbsp;</li>\n	<li>Any curiosity or work of art for an amount exceeding P200.&nbsp;</li>\n	<li>Manuscripts, plans, drawings or designs, petterns, models or moulds.</li>\n	<li>Securities, obligations or documents of any kind, stamps, corried or paper money cheques, books of account or other business books, computer systems records&nbsp;</li>\n	<li>Explosives&nbsp;</li>\n</ol>\n\n<p><u>CONDITION 11.</u></p>\n\n<p>This insurance maty at any time be terminated by the Company on notice to that effect given to the Insured, In which case the Company shall be liable to repay a ratable proportion of the premium for the unexpired term from date of cancelment, if the Insurance be terminated at the request to the Insured, the Company shall not be liable to repat the premium or any part of it axcept in so far as the mInsurance applies to stocks in respect of which the Company shall retain a premium calculated according to its customary shrt period scale for the time the said Insurance has been in force.&nbsp;</p>\n\n<p><u>CONDITION 20.</u></p>\n\n<p><u>(Where the Fire Policy is subject to Average.)</u></p>\n\n<p>if any property hereby insured shall at the breaking out of any fire or at the commencement of any distructionof or damage to such property by any other peril insured against by this Endorsement be collectively or graeter value than the sum insured thereon then the insured shall be considered as being his own insurer for the difference, and shall bear a ratable share of the amount of the loss accordingly. Every item, If more that one, of the policy shall be separately subject to this condition.&nbsp;</p>\n\n<p><u>CONDITION 20.</u></p>\n\n<p><u>(Whre the Fire Policy is not subject to Average.)</u></p>\n\n<p>In all cases where any othersubsiting insurance or insurances, effected by the insured or by any other person or persons convering any of the property hereby insured, either exclusively or together with any other property In and subject to the same risk only, shall be subject to average, the insurance on such property under the Endorsement shall be subject to average In like manner, but in any event the Company shall not be liable to pay the contribute in respect of any loss or damage beyond the proportion which the sum Insured by this Endorsement shall bear to the total insurance, whether effected by the insured or not, on the same property against ordinary fire loss.&nbsp;</p>\n\n<p>PROVIDED that is hereby further expressly agreed and declared that-&nbsp;</p>\n\n<ol>\n	<li>All the Conditions of this Policy shall apply in all respects to the Insurance granted by this extension save in so far as the same are expressly varied by the above Special Consitions and any reference to fire in the Conditions of the Policy shall be deemed to include the perils hereby Insured againts.&nbsp;</li>\n	<li>The Special Conditions herein shall apply only to the insurance granted by the extension and the Conditions of the Policy shall apply in all respects to the insurance granted by the Policy as if this Endoresement had not been made thereon.&nbsp;&nbsp;</li>\n</ol>\n', '', 3090, '', '2016-07-22 12:09:23', '2016-07-22 12:09:23', 14, 14),
(467, '3', 'MCAR-DED-CLA', 'DEDUCTIBLE CLAUSE', '<p style="text-align: justify;">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 one and one half percent (1.50%) of the Insured&#39;s estimate Fair Market Value as shown in the Policy Schedule with a minimum deductible amount of Php 4,500.00 of each and every loss for each and every vehicle insured by this policy.</p>\n\n<p style="text-align: justify;">ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNALTERED.</p>\n', '', 3095, '', '2016-08-22 09:30:53', '2016-08-22 09:30:53', 14, 14),
(468, '1', 'SAL-CLA', 'SALVAGE CLAUSE', '<ol start="1" style="list-style-type: upper-alpha;">\n	<li style="text-align: justify;">Rights<br />\n	<br />\n	In case of a loss, the Insured has the option and first opportunity to negotiate the purchase of salvage with Insurers through their assigned Adjusters during a period not exceeding ten (10) days from the date the Adjusters have established the value of the salvage to Insurers&#39; satisfaction.<br />\n	&nbsp;</li>\n	<li style="text-align: justify;">Recoveries<br />\n	<br />\n	When, 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 the loss was originally determind. Any amount thus found to be due either party from the other shall be paid promptly.<br />\n	<br />\n	The expense of all proceedings necessary to such recoveries shall be apportioned between the interest concerned in the ratio of their respective recoveries as finally settled. If there should be no recovery and proceedings are conducted solely by the Insured by the Insurers, the expense thereof shall be borne by the Insurers.</li>\n</ol>\n', '', 4000, '', '2016-09-26 11:56:37', '2016-09-26 11:56:37', 14, 14),
(469, '3', 'DEP-DED-MC', 'DEPRECIATION AND DEDUCTIBLE CLAUSE', '<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 &nbsp;to replace the damage party &nbsp;of the Insured vehicles less the share of the insured on the cost of the replacement parts computed based on the following depreciation schedule:</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Age of Vehicle &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Rate 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; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; (Share of the Insured)<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &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; NIL<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Over 3 years up to 4 years &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;20%<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Over 4 years up to 5 years &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;25%<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Over 5 years up to 6 years &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;30%<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Over 6 years up to 7 years &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;35%<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &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;40%&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Batteries, Tires, Ball Joints &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;45%<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Tie Rods Shock Absorbers &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;</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.</p>\n\n<p>Deductible Clause&nbsp;</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 1/2 percent(0.5%) of the Insured&#39;s estimate of Fair Market Value as shown in the Policy Schedule with a minimum deductible amount of PHP 2,000.00 of each and every loss for each and every vehicle insured by this policy.</p>\n\n<p><br />\nALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNALTERED. &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;<br />\n&nbsp;</p>\n', '', 600, '', '2017-04-02 22:44:13', '2017-09-25 11:40:31', 169, 69),
(470, '1', 'NEREC', 'NUCLEAR ENERGY RISKS EXCLUSION CLAUSE', '<p>This Insurance shall exclude Nuclear Energy Risks whether such risks are written directly and/or by way of insurance and/or via Pools and/or associations. For all purposes of this Insurance Nuclear Energy Risks shall mean all first party and/or third party insurances (other than Workers&#39; Compensation and Employers&#39; Liability) in respect of:&nbsp;</p><p>1. All property, on the site of a nuclear power station, Nuclear Reactors, reactor buildings and plant and equipment therein on any site other than a nuclear power station.</p><p>2. All Property, on any site (including but not limited to the sites referred to &nbsp; in (1)above) used or having been used for:<br />&nbsp; &nbsp;a) The generation of nuclear energy; or<br />&nbsp; &nbsp;b) The Production, Use of Storage of Nuclear Material.</p><p>3. Any other Property eligible for insurance by the relevant local Nuclear Insurance Pool and/or Association but only to the extent of the Requirements of that local Pool and/or Association.</p><p>4. The supply of goods and services to any of the sites, described in (1) to (3) &nbsp;above, unless such insurances shall exclude the perils of irradiation and contamination by Nuclear Material.</p><p>Except as &nbsp;under noted, Nuclear Energy Risks shall not include:</p><p>1. Any insurance in respect of the construction or erection or installation or replacement or repair or maintenance or decommissioning of Property as &nbsp; &nbsp;described in (1) to (3) above (including contractors&#39; plant and equipment);</p><p>2. Any machinery Breakdown or other Engineering Insurance not coming within the scope of (1) above.</p><p>Provided always that such insurance shall exclude the perils or irradiation and contamination by Nuclear Material.</p><p>However, the above exemption shall not extend to:-</p><p>1.The provision of any insurance whatsoever in respect of:-<br />&nbsp; &nbsp; (a) Nuclear Material;<br />&nbsp; &nbsp; (b) Any property in the High Radioactivity Zone or Area of any Nuclear Installation as from the introduction of Nuclear Material or - for reactor installations - as from fuel loading or first critically where so agreed with the relevant local Nuclear Insurance Pool and/or Association.</p><p>2. The provision of any insurance for the under noted perils:<br />&nbsp; &nbsp; &nbsp;(a) Fire, lightning, explosion<br />&nbsp; &nbsp; &nbsp;(b) Earthquake<br />&nbsp; &nbsp; &nbsp;(c) Aircraft and other aerial devices or articles dropped therefrom;<br />&nbsp; &nbsp; &nbsp;(d) Irradiation and radioactive contamination<br />&nbsp; &nbsp; &nbsp;(e) Any other peril insured by the relevant local Nuclear Insurance Pool and/or Association. &nbsp;In respect of any other property not specified in (1) above which directly involves the Production, use or &nbsp;Storage of Nuclear Materials as from the introduction of Nuclear Material into such Property.</p><p>Definitions&nbsp;</p><p>&quot;Nuclear Material&quot; means:</p><p>1. Nuclear fuel, other than natural uranium and depleted uranium, capable of producing energy by a self-sustaining chain process of &nbsp;nuclear fission outside a Nuclear Reactor, either alone or in combination with some other material; and</p><p>2. Radioactive Products or waste.<br />&quot;Radioactive Products or waste&quot; means any radioactive material produced in, or any material made radioactive by exposure to the radiation incidental to the production or utilization of nuclear fuel, but does not include radioisotopes which have reached the final stage of fabrication so as to be usable for any scientific, medical, agricultural, commercial or industrial purpose.</p><p>&quot;Nuclear Installation&quot; means:<br />1. Any Nuclear Reactor;<br />2. Any factory using nuclear fuel for the production of nuclear material , or any factory for the processing of Nuclear Material, including any factory for the reprocessing of irradiated nuclear fuel; and<br />3. Any facility where nuclear material is stored , other than storage incidental to the carriage of such material.</p><p>&quot;Nuclear Reactor&quot; means any structure containing nuclear fuel in such an arrangement that a self-sustaining chain process of nuclear fission can occur therein without an additional source of neutrons.</p><p>&quot;Production, use or Storage of Nuclear Material&quot; means the production, manufacture, enrichment, conditioning, processing, reprocessing, use, storage, handling and disposal of Nuclear Material.</p><p>&quot;Property&quot; shall mean all land, buildings, structures, plant equipment, vehicles, contents (including but not limited to liquids and gases) and all materials of whatever description whether fixed or not.</p><p>&quot;High Radioactivity Zone or Area&quot; means:</p><p>1. For nuclear power station and nuclear Reactors, the vessel or structure which immediately contains the core (including its support and shrouding) and all the contents thereof, the fuel elements, the control rods and the irradiated fuel; and</p><p>2. For non-reactor Nuclear Installations, any area where the level of radioactivity required the provisions of a biological shield.<br />&nbsp;</p>', '2,3,4,5,6,9,10,7,8,11,12,13,76,23,24,25', 450, '', '2017-04-03 01:47:07', '2017-04-05 23:32:05', 169, 169),
(471, '1', 'ISPCC', 'INDUSTRIES,SEEPAGE,POLLUTION & CONTAMINATION CLAUSE', '<p>This Agreement does not cover any liability in respect of:</p><p>1. personal injury or bodily injury or loss of, damage to, or loss of use of property directly or indirectly caused by seepage, pollution or contamination, provided always that this paragraph shall not apply to liability for Personal Injury or Bodily injury or loss of or physical damage to or destruction of tangible property, or loss of use of such property damaged or destroyed, where such seepage, pollution or contamination is a consequence of an otherwise under this agreement indemnifiable sudden, unintended and unexpected happening.</p><p>2. The cost of removing, modifying or cleaning up seeping, polluting or contaminating substances unless the seepage, pollution or contamination is a consequence of an otherwise under this agreement indemnifiable sudden, unintended or unexpected happening.</p><p>3. Fines, penalties, punitive or exemplary damages</p><p>This clause shall not extend this Agreement to cover any liability which would not have been covered under this Agreement had this&nbsp;<br />clause not been attached.</p>', '2,3,4,5,6,9,10,7,8,11,12,13,76,23,24,25', 450, '', '2017-04-03 01:49:27', '2017-04-05 23:34:46', 169, 169),
(472, '2', 'MRBC', 'BANK CLAUSE', '<p>It is warranted and agreed to by the Assured and the Company that in the event of loss or damage becoming recoverable under this Policy, the Company will not be liable for more than its share of the loss or damage at the rate of exchange mentioned in this policy.<br />\n&nbsp;</p>\n', '52,53,71,72,73,79,80,85', 450, '', '2017-04-03 02:45:06', '2017-05-18 15:43:22', 169, 71),
(473, '2', 'CISM', 'CARGO ISM ENDT & CARGO ISM FORWARDING CHARGES CLAUSE', '<p>(JC98/019 01 May 1998)</p>\n\n<p>CARGO ISM ENDORSEMENT</p>\n\n<p>Applicable to shipment on board Ro-Ro passenger ferries.</p>\n\n<p>Applicable with effect from 1 July 1998 to shipments on board:</p>\n\n<p>&nbsp; &nbsp;1) passenger vessels transporting more than 12 passengers and<br />\n&nbsp; &nbsp;2) oil tankers, chemical tankers, gas carriers, bulk carriers and cargo high speed craft of 500 gt or more.</p>\n\n<p>Applicable with effect from 1 July 2002 to shipments on board all other cargo ships and mobile offshore drilling units of 500 qt or more.</p>\n\n<p>In no case shall this insurance cover loss, damage or expense where the subject matter insured is carried by a vessel that is not ISM Code certified or whose owners or operators do not hold an ISM Code Cocument of Compliance when, at the time of loading of the subject matter insured on board the vessel, the Assured were aware, or in the ordinary course of business should have been awared:</p>\n\n<p>a) Either that such vessel was not certified in accordance with the ISM Code.<br />\nb) Or that a current Document of Compliance was not held by her owners or operators</p>\n\n<p>a require under the SOLAS Convention 1974 as amended.&nbsp;</p>\n\n<p>This exclusion shall not apply where this insurance has been assigned to the party claiming hereunder who has bought or agreed to buy the subject matter insured in good faith under a binding contract.</p>\n\n<p>&nbsp; &nbsp; &nbsp; &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>\n\n<p>CARGO ISM FORWARDING CHARGES CLAUSE</p>\n\n<p>(For use only with JCC Cargo ISM Endorsement JC 98/019)</p>\n\n<p>In consideration of an additional premium to be agreed. &nbsp;This insurance is extended to reimburse the Assured, up to the limit of the sum insured for the voyage, for any extra charges properly and reasonably incurred in unloading, storing and forwarding the subject-matter to the destination to which it is insured hereunder following release of cargo from a vessel arrested or detained at or diverted to any other port of place (other than the intended port of destination) where the voyage is terminated due either&nbsp;</p>\n\n<p>a) &nbsp; to such vessel not being certified in accordance with the ISM Code or</p>\n\n<p>b) &nbsp; to a current Document of Compliance not being held by her owners or operators as required under the SOLAS Convention 1974 as amended.</p>\n\n<p>This clause, which does not apply to General Average or Salvage or Salvage Charges, is subject to all other terms, conditions and exclusions contained in the policy and to JCC Cargo ISM Endorsement JC 98/019.</p>\n', '52,53,71,72,73,79,80,85', 450, '', '2017-04-03 02:46:33', '2017-04-25 15:04:25', 169, 169),
(474, '2,5', 'CTTC', 'CARGO TERMINATION OF TRANSIT CLAUSE (TERRORISM)', '<p>&nbsp;This clause shall be paramount &nbsp;and shall override anything contained in this insurance<br />\n&nbsp; &nbsp; &nbsp; inconsistent &nbsp;therewith.<br />\n&nbsp; &nbsp; &nbsp;&nbsp;<br />\n&nbsp; &nbsp; &nbsp; 1 &nbsp; &nbsp; &nbsp; &nbsp; Notwithstanding any provision to the contrary contained in this &nbsp;Policy or<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;the &nbsp;Clauses referred to therein, it is agreed that in so far as this Policy&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;covers loss of or damage to the subject-matter insured caused by any<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;terrorist or any person acting from a political motive, such cover is<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;conditional upon the subject-matter insured being in the ordinary course &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;of transit and, in any event, SHALL TERMINATE: &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;either</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;1.1 &nbsp; As per the transit clauses &nbsp;contained within the Policy.</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;or</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;1.2 &nbsp; on delivery to the Consignee&#39;s or other final warehouse or place of<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; storage at the destination named herein.<br />\n&nbsp; &nbsp; &#39;; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 1.3 &nbsp; &nbsp;on delivery to any other warehouse or place of storage, whether<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;prior to or at the destination named herein, which the Assured<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; elect to use either for storage other than in the ordinary course of<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; transit or for allocation or distribution,</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;or</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;1.4 &nbsp; in respect of marine transits, on the expiry of 60 days after &nbsp;completion<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;of discharge overside of the goods hereby insured from the oversea<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;vessel at &nbsp;the final port of discharge,<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;1.5 &nbsp;in respect of air transits, on the expiry of 30 days after unloading<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;the subject-matter insured from the aircraft at the final place of &nbsp;discharge, whichever shall first occur.<br />\n&nbsp; &nbsp; &nbsp; &nbsp;&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp;2 &nbsp; &nbsp; &nbsp; &nbsp; if this Policy or &nbsp;the Clauses referred to therein specifically provided cover<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;for inland or other further transits following on from storage or termination<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; as provided for above cover will re-attach and continues during the ordinary<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; course of that transit terminating again in accordance with clause 1.</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp;3 &nbsp; &nbsp; &nbsp; &nbsp; This clause is subject to English law and practice. &nbsp; &nbsp;&nbsp;</p>\n', '52,53,71,72,73,79,80,85', 450, '', '2017-04-03 02:47:15', '2017-04-25 15:07:39', 169, 169),
(475, '2', 'IC', 'IMPORTANT CLAUSE', '<p>IMPORTANT CLAUSE</p>\n', '', 450, '', '2017-04-03 02:48:32', '2017-04-03 02:48:32', 169, 169),
(476, '2,18', '(AIR)', 'INST. WAR CLAUSES (AIR CARGO)', '<p>RISKS COVERED<br />\n1 &nbsp; &nbsp;This insurance covers, except as provided in Clause 2 below, loss of or damage to the &nbsp;&nbsp;<br />\n&nbsp; &nbsp; &nbsp; subject-matter insured caused by<br />\n&nbsp; &nbsp; &nbsp; 1.1 &nbsp; war civil war revolution rebellion insurrection, or civil strife arising therefrom, or any&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; hostile act by or against a belligerent power<br />\n&nbsp; &nbsp; &nbsp; 1.2 &nbsp; capture seizure arrest restraint or detainment, arising from risks covered under 1.1&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; above, and the consequences thereof or any attempt thereat<br />\n&nbsp; &nbsp; &nbsp; 1.3 &nbsp; derelict mines torpedoes bombs or other derelict weapons of war.</p>\n\n<p>EXCLUSIONS<br />\n2 &nbsp; &nbsp;In no case shall this insurance cover<br />\n&nbsp; &nbsp; &nbsp; 2.1 &nbsp; loss damage or expense attributable to willful misconduct of the Assured</p>\n\n<p>&nbsp; &nbsp; &nbsp; 2.2 &nbsp; ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of &nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; the subject-matter insured</p>\n\n<p>&nbsp; &nbsp; &nbsp; 2.3 &nbsp; loss damage or expense caused by the insufficiency or unsuitability of packing or&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; preparation of the subject-matter insured (for the purpse of this Clause 2.3&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &quot;packing&quot; shall be deemed to include stowage in a container or liftvan but only&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; when such stowage is carried out prior to attachment of this insurance or by the &nbsp;&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Assured or their Servants)</p>\n\n<p>&nbsp; &nbsp; &nbsp; 2.4 &nbsp; loss damage or expense caused by inherent vice or nature of the subject-matter&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; insured</p>\n\n<p>&nbsp; &nbsp; &nbsp; 2.5 &nbsp; loss damage or expense arising from unfitness of aircraft conveyance container &nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; or liftvan for the safe carriage of the subject-matter insured, where the Assured of&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; their servants are privy to such unfitness at the time the subject-matter insured is&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; loaded therein</p>\n\n<p>&nbsp; &nbsp; &nbsp; 2.6 &nbsp; loss damage or expense proximately caused by delay, even though the delay &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; caused by a risk insured against</p>\n\n<p>&nbsp; &nbsp; &nbsp; 2.7 &nbsp; loss damage or expense arising from insolvency or financial default of the owners &nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; managers charterers or operators of the aircraft</p>\n\n<p>&nbsp; &nbsp; &nbsp; 2.8 &nbsp; any claim based upon loss of or frustration of the voyage or adventure</p>\n\n<p>&nbsp; &nbsp; &nbsp; 2.9 &nbsp; loss damage or expense arising from any hostile use of any weapon of war&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; employing atomic or nuclear fission and or fusion or other like reaction or&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; radioactive force or matter.</p>\n\n<p>DURATION<br />\n3 &nbsp; &nbsp;3.1 &nbsp; &nbsp;This insurance<br />\n&nbsp; &nbsp; &nbsp; 3.1.1 &nbsp; &nbsp; attaches only as the subject-matter insured and as to any part as that part is&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;loaded on the aircraft for the commencement of the air transit insured<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;and</p>\n\n<p>&nbsp; &nbsp; &nbsp; 3.1.2 &nbsp; &nbsp; terminate, subject to 3.2 and 3.3 below, either as the subject-matter insured&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;and as to any part as that part is discharged from the aircraft at the final place&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;of discharge<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;or<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;on &nbsp;expiry of 15 days continue from midnight of the day of arrival of the aircraft&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;at the final place of discharge,<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;whichever shall first occur;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;nevertheless,<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;subject to prompt notice to the Underwriters and to an additional premium,&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;such insurance</p>\n\n<p>&nbsp; &nbsp; &nbsp; 3.1.3 &nbsp; &nbsp; reattaches &nbsp;when,, without having discharged the subject-matter insured at&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;the final place of discharge, the aircraft departs therefrom,<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;and<br />\n&nbsp;<br />\n&nbsp; &nbsp; &nbsp; 3.1.4 &nbsp; &nbsp; terminates, subject to 3.2 and 3.3 below, either as the subject-matter insured&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;as as to any part as that part is thereafter discharged from the aircraft at the&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;final ( or substituted) place of discharge,&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;or<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;on expiry of 15 days counting from midnight of the day re-arrival of the aircraft&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;at the final place of discharge or arrival of the aircraft at a substituted place of &nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;discharge,<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;whichever shall first occur.<br />\n&nbsp;<br />\n&nbsp; &nbsp; &nbsp; 3.2 &nbsp; &nbsp; If during the insured transit the aircraft arrives at an intermediate place to&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; discharge the subject-matter insured for on-carriage by aircraft or oversea&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; vessel, then, subject to 3.3 below and to an additional premium if required, this&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; insurance continues until the expiry of 15 days counting from midnight of the &nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; day of arrival of the aircraft at such place, but thereafter reattaches as the&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; subject-matter insured and as to any part as that part is loaded on an on-<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; carrying aircraft or oversea vessel. During the period of 15 days the insurance&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; remains in force after discharge only whilst the subject-matter insured and as to&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; any part as that part is at such intermediate place. If the goods are on-carried&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; within the said period of 15 days or if the insurance reattaches as provided in&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; this Clause 3.2</p>\n\n<p>&nbsp; &nbsp; &nbsp;3.2.1 &nbsp; &nbsp; where on the on carriage is by aircraft this insurance continues subject to the &nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; terms of these clauses, &nbsp; &nbsp; &nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; or<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<br />\n&nbsp; &nbsp; &nbsp;3.2.2 &nbsp; &nbsp; where the on-carriage is by oversea vessel, the current Institute War Clauses &nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; ( Cargo) shall be deemed to form part of this insurance and shall apply to the&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; on-carriage by sea. &nbsp; &nbsp; &nbsp;&nbsp;</p>\n\n<p>&nbsp; &nbsp; &nbsp;3.3 &nbsp; &nbsp; If the air transit in the contract of carriage is terminated at a place other than the&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;destination agreed therein, that place shall be deemed to be the final place of &nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;discharge and such insurance terminates in accordance with 3.1.2. If the&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;subject-matter insured is subsequently consigned to the original or any other&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;destination, then, provided notice is given to the Underwriters before the&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;commencement of such further transit and subject to an additional premium,&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;such insurance reattaches</p>\n\n<p>&nbsp; &nbsp; &nbsp;3.3.1 &nbsp; &nbsp; in the case of the subject-matter insured having been discharged, as the&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; subject-matter insured and as to any part as that part is loaded on the on-<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; carrying aircraft for the transit;</p>\n\n<p>&nbsp; &nbsp; &nbsp;3.3.2 &nbsp; &nbsp; in the case of the subject-matter insured not having been discharged, when&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; the aircraft departs from such deemed final place of discharge;&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;thereafter such insurance terminates in accordance with 3.1.4.<br />\n&nbsp; &nbsp;<br />\n&nbsp; &nbsp; &nbsp;3.4 &nbsp; &nbsp; Subject to prompt notice to Underwriters, and to an additional premium if required, this insurance shall &nbsp; &nbsp; &nbsp;</p>\n', '', 450, '', '2017-04-03 02:50:52', '2017-04-03 02:50:52', 169, 169);
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
(477, '2', '(AIR)', 'INST. WAR CLAUSES (AIR CARGO)', '<p>RISKS COVERED<br />\n1 &nbsp; &nbsp;This insurance covers, except as provided in Clause 2 below, loss of or damage to the &nbsp;&nbsp;<br />\n&nbsp; &nbsp; &nbsp; subject-matter insured caused by<br />\n&nbsp; &nbsp; &nbsp; 1.1 &nbsp; war civil war revolution rebellion insurrection, or civil strife arising therefrom, or any&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; hostile act by or against a belligerent power<br />\n&nbsp; &nbsp; &nbsp; 1.2 &nbsp; capture seizure arrest restraint or detainment, arising from risks covered under 1.1&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; above, and the consequences thereof or any attempt thereat<br />\n&nbsp; &nbsp; &nbsp; 1.3 &nbsp; derelict mines torpedoes bombs or other derelict weapons of war.</p>\n\n<p>EXCLUSIONS<br />\n2 &nbsp; &nbsp;In no case shall this insurance cover<br />\n&nbsp; &nbsp; &nbsp; 2.1 &nbsp; loss damage or expense attributable to willful misconduct of the Assured</p>\n\n<p>&nbsp; &nbsp; &nbsp; 2.2 &nbsp; ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of &nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; the subject-matter insured</p>\n\n<p>&nbsp; &nbsp; &nbsp; 2.3 &nbsp; loss damage or expense caused by the insufficiency or unsuitability of packing or&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; preparation of the subject-matter insured (for the purpse of this Clause 2.3&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &quot;packing&quot; shall be deemed to include stowage in a container or liftvan but only&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; when such stowage is carried out prior to attachment of this insurance or by the &nbsp;&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Assured or their Servants)</p>\n\n<p>&nbsp; &nbsp; &nbsp; 2.4 &nbsp; loss damage or expense caused by inherent vice or nature of the subject-matter&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; insured</p>\n\n<p>&nbsp; &nbsp; &nbsp; 2.5 &nbsp; loss damage or expense arising from unfitness of aircraft conveyance container &nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; or liftvan for the safe carriage of the subject-matter insured, where the Assured of&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; their servants are privy to such unfitness at the time the subject-matter insured is&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; loaded therein</p>\n\n<p>&nbsp; &nbsp; &nbsp; 2.6 &nbsp; loss damage or expense proximately caused by delay, even though the delay &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; caused by a risk insured against</p>\n\n<p>&nbsp; &nbsp; &nbsp; 2.7 &nbsp; loss damage or expense arising from insolvency or financial default of the owners &nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; managers charterers or operators of the aircraft</p>\n\n<p>&nbsp; &nbsp; &nbsp; 2.8 &nbsp; any claim based upon loss of or frustration of the voyage or adventure</p>\n\n<p>&nbsp; &nbsp; &nbsp; 2.9 &nbsp; loss damage or expense arising from any hostile use of any weapon of war&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; employing atomic or nuclear fission and or fusion or other like reaction or&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; radioactive force or matter.</p>\n\n<p>DURATION<br />\n3 &nbsp; &nbsp;3.1 &nbsp; &nbsp;This insurance<br />\n&nbsp; &nbsp; &nbsp; 3.1.1 &nbsp; &nbsp; attaches only as the subject-matter insured and as to any part as that part is&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;loaded on the aircraft for the commencement of the air transit insured<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;and</p>\n\n<p>&nbsp; &nbsp; &nbsp; 3.1.2 &nbsp; &nbsp; terminate, subject to 3.2 and 3.3 below, either as the subject-matter insured&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;and as to any part as that part is discharged from the aircraft at the final place&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;of discharge<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;or<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;on &nbsp;expiry of 15 days continue from midnight of the day of arrival of the aircraft&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;at the final place of discharge,<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;whichever shall first occur;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;nevertheless,<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;subject to prompt notice to the Underwriters and to an additional premium,&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;such insurance</p>\n\n<p>&nbsp; &nbsp; &nbsp; 3.1.3 &nbsp; &nbsp; reattaches &nbsp;when,, without having discharged the subject-matter insured at&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;the final place of discharge, the aircraft departs therefrom,<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;and<br />\n&nbsp;<br />\n&nbsp; &nbsp; &nbsp; 3.1.4 &nbsp; &nbsp; terminates, subject to 3.2 and 3.3 below, either as the subject-matter insured&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;as as to any part as that part is thereafter discharged from the aircraft at the&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;final ( or substituted) place of discharge,&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;or<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;on expiry of 15 days counting from midnight of the day re-arrival of the aircraft&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;at the final place of discharge or arrival of the aircraft at a substituted place of &nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;discharge,<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;whichever shall first occur.<br />\n&nbsp;<br />\n&nbsp; &nbsp; &nbsp; 3.2 &nbsp; &nbsp; If during the insured transit the aircraft arrives at an intermediate place to&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; discharge the subject-matter insured for on-carriage by aircraft or oversea&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; vessel, then, subject to 3.3 below and to an additional premium if required, this&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; insurance continues until the expiry of 15 days counting from midnight of the &nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; day of arrival of the aircraft at such place, but thereafter reattaches as the&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; subject-matter insured and as to any part as that part is loaded on an on-<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; carrying aircraft or oversea vessel. During the period of 15 days the insurance&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; remains in force after discharge only whilst the subject-matter insured and as to&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; any part as that part is at such intermediate place. If the goods are on-carried&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; within the said period of 15 days or if the insurance reattaches as provided in&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; this Clause 3.2</p>\n\n<p>&nbsp; &nbsp; &nbsp;3.2.1 &nbsp; &nbsp; where on the on carriage is by aircraft this insurance continues subject to the &nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; terms of these clauses, &nbsp; &nbsp; &nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; or<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<br />\n&nbsp; &nbsp; &nbsp;3.2.2 &nbsp; &nbsp; where the on-carriage is by oversea vessel, the current Institute War Clauses &nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; ( Cargo) shall be deemed to form part of this insurance and shall apply to the&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; on-carriage by sea. &nbsp; &nbsp; &nbsp;&nbsp;</p>\n\n<p>&nbsp; &nbsp; &nbsp;3.3 &nbsp; &nbsp; If the air transit in the contract of carriage is terminated at a place other than the&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;destination agreed therein, that place shall be deemed to be the final place of &nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;discharge and such insurance terminates in accordance with 3.1.2. If the&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;subject-matter insured is subsequently consigned to the original or any other&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;destination, then, provided notice is given to the Underwriters before the&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;commencement of such further transit and subject to an additional premium,&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;such insurance reattaches</p>\n\n<p>&nbsp; &nbsp; &nbsp;3.3.1 &nbsp; &nbsp; in the case of the subject-matter insured having been discharged, as the&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; subject-matter insured and as to any part as that part is loaded on the on-<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; carrying aircraft for the transit;</p>\n\n<p>&nbsp; &nbsp; &nbsp;3.3.2 &nbsp; &nbsp; in the case of the subject-matter insured not having been discharged, when&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; the aircraft departs from such deemed final place of discharge;&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;thereafter such insurance terminates in accordance with 3.1.4.<br />\n&nbsp; &nbsp;<br />\n&nbsp; &nbsp; &nbsp;3.4 &nbsp; &nbsp; Subject to prompt notice to Underwriters, and to an additional premium if required, this insurance shall &nbsp; &nbsp; &nbsp;</p>\n', '', 450, '', '2017-04-03 18:01:29', '2017-04-03 18:01:29', 169, 169),
(478, '2', 'ICAEC', 'INSTITUTE OF CYBER ATTACK EXCLUSION CLAUSE', '<p>NSTITUTE CYBER ATTACK EXCLUSION CLAUSE &nbsp;(10/11/03)</p>\n\n<p>1.1 &nbsp; &nbsp; &nbsp; &nbsp;Subject only to clause 1.2 below, in no case shall this insurance cover loss damage liability&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; or expense directly or indirectly caused by or contributed to by or arising from the use or operation,&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; as a means for inflicting harm, of any computer, computer system, computer software programmed,<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; malicious code, computer virus or process or any other electronic system.</p>\n\n<p>1.2 &nbsp; &nbsp; &nbsp; &nbsp; Where this clause is endorsed on policies covering risks of war, civil war, revolution, rebellion,&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;insurrection, or civil strike arising therefrom, or any hostile act by or against a belligerent power,&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;or terrorism or any person acting from a political motive, Cluse 1.1 shall not operate to exclude&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;losses (which would otherwise be covered) arising from the used of any computer, compurter&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;system or computer software programmed or any other electronic system &nbsp;in the lunch and /or<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;guidance system and/or firing mechanism or any weapon or missile.<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; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;_____________________<br />\nCL.380</p>\n', '', 450, '', '2017-04-03 18:05:51', '2017-04-03 18:05:51', 169, 169),
(479, '2', 'LCB', 'LIABILITY OF CARRIERS, BAILEES OR OTHER', '<p>PROCEDURE IN THE EVENT OF LOSS OR DAMAGE FOR WHICH UNDERWRITERS MAY BE LIABLE</p>\n\n<p>LIABILITY OF CARRIERS, BAILEES OR OTHER THIRD PARTIES</p>\n\n<p>It is the duly of the Assured and their Agents, in all cases to take such measures as may be reasonable for the purpose of averting or minimising a loss and to ensure that all rights against Carriers, Bailees or other third parties are properly preserved and exercised. In particular, &nbsp;the Assured or their Agents are required:</p>\n\n<p>1. &nbsp;To claim immediately on the Carriers, Port Authorities or other Bailees for any missing&nbsp;<br />\n&nbsp; &nbsp; &nbsp; packages.</p>\n\n<p>2. &nbsp;In no circumtances, except under written protest, to give clean receipts where goods<br />\n&nbsp; &nbsp; &nbsp;are in doubtful condition.</p>\n\n<p>3. &nbsp;When delivery is made by Container, to ensure that the Container and its seals are<br />\n&nbsp; &nbsp; &nbsp;examined immediately by their responsible official.</p>\n\n<p>&nbsp; &nbsp; &nbsp;If the Container is delivered damaged or with seal broken or missing or with seals<br />\n&nbsp; &nbsp; &nbsp;other than as stated in the shipping documents to clause the delivery receipt&nbsp;<br />\n&nbsp; &nbsp; &nbsp;accordingly and retain all defective or irregular seals for subsequent identification.</p>\n\n<p>4. &nbsp;To apply immediately for survey by Carrier&#39;s or other Bailees&#39; Representatives if any<br />\n&nbsp; &nbsp; &nbsp;loss or damage be apparent and claim on the Carriers or other Bailees for any actual<br />\n&nbsp; &nbsp; &nbsp;loss or damage found at such survey.</p>\n\n<p>5. &nbsp;To give notice in writing to the Carriers or other Bailees within 3 days of delivery if<br />\n&nbsp; &nbsp; &nbsp;the loss or damage was not apparent at the time of taking delivery.</p>\n\n<p>Note: - The Consignees or their Agents are recommended to make themselves familiar<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; with the Regulations of the Port Authorities at the port of discharge.</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;INSTRUCTIONS FOR SURVEY</p>\n\n<p>In the event of loss or damage which may involve a claim under this insurance, immediate notice of such loss or damage should be given to and a Survey Report obtained form Llyod&#39;s Agent(s).</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; DOCUMENTATION OF CLAIMS</p>\n\n<p>To enable claims to be dealt with promptly, the Assured or their Agents are advised to submit all available supporting documents without delay, including when applicable : -</p>\n\n<p>1. &nbsp;Original policy or certificate of insurance.</p>\n\n<p>2. &nbsp;Original or copy shipping invoices together with shipping, specification and/or weight<br />\n&nbsp; &nbsp; &nbsp;notes.</p>\n\n<p>3. &nbsp;Original Bill of Lading and/or other contract of carriage.</p>\n\n<p>4. &nbsp;Landing account and weight notes at final destination.</p>\n\n<p>5. &nbsp;Correspondence exchanged with the Carriers and other Parties regarding their<br />\n&nbsp; &nbsp; &nbsp;liability for the loss or damage.</p>\n\n<p>&nbsp; &nbsp; &nbsp;<br />\n&nbsp;</p>\n', '52,53,71,72,73,79,80,85', 450, '', '2017-04-03 18:06:52', '2017-05-18 15:48:54', 169, 71),
(480, '2', 'NTC', 'NOTICE TO CONSIGNEE', '<p>It has become apparent to Insurance Companies that many importers have a mistaken impression of the extent of cover under a marine transit policy in respect of cover after goods are discharged from the vessel. &nbsp;Goods are covered in the Pier only for the period which is reasonable required to obtain the necessary clearance. &nbsp;The period of time referred to in the policy is n ot an automatic extension of cover but applies ONLY when a consignee is unable to take delivery of the goods for reason beyond his control.</p>\n\n<p>Please note that the goods must be removed from the Pier within the shortest possible time and any delay, other than outside the consignee&#39;s control is interpreted as meaning that the transit risk has ceased and therefor insurance is terminated. &nbsp;The Insurance Company must be given prompt notice of any delay beyond the consignee&#39;s control.</p>\n\n<p>If goods are removed to a bonded warehouse, the insurance ceased upon delivery to the bonded warehouse, which for insurance purposes in considered the final warehouse. &nbsp;If a consignee required insurance whilst goods are in a bonded warehouse and until delivery to his store, he must advise the insurance company and arrange for an extension of cover.</p>\n\n<p>Claims against the vessel and the arrastre contractors must be filed against them within 15 days of last discharged of goods from the vessel. &nbsp;In order that the insurance company will not be prejudiced, it is absolutely essential that consignee file claims against these parties within the 15 days period referred to.</p>\n', '', 450, '', '2017-04-03 18:08:38', '2017-04-03 18:08:38', 169, 169),
(481, '2', 'LPC', 'LOSS IF ANY, PAYABLE TO PNB', '<p>LOSS IF ANY, PAYABLE TO PNB</p>\n', '52,53,71,72,73,79,80,85', 450, '', '2017-04-03 18:10:16', '2017-05-18 15:47:24', 169, 71),
(482, '1', 'FELLE', 'FIRE & EXPLOSION LEGAL LIABILITY EXTENSION', '<p>IT IS HEREBY DECLARED AND AGREED that this policy extend to include liability for death or bodily or property damage as within defined caused by or arising out of fire and/or explosion (other than explosion or rupture of any steam boiler) occurring in or about the premises described in the schedule on the situation of the risk.&nbsp;</p>\n\n<p>ALL OTHER TERMS AND CONDITION REMAIN UNALTERED</p>\n', '', 450, '', '2017-04-03 19:00:15', '2017-04-03 19:00:15', 169, 169);
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
(483, '1,4,6', 'CGL', 'COMPREHENSIVE GENERAL LIABILITY', '<p>The ALLIEDBANKERS INSURANCE CORPORATION (hereinafter called &quot;the Company&quot;) agrees with the Insured, named in the declarations made a part hereof, in consideration of the payment of the premium and in reliance upon the statements in the declarations and subject to the limits of &nbsp;liability, exclusions, conditions and other &nbsp;terms of the policy.</p>\n\n<p>INSURING AGREEMENTS<br />\nI.&nbsp;&nbsp; &nbsp;Coverage A - Bodily Injury Liability<br />\nTo indemnify the Insured for all sums which the Insured shall become legally obligated to pay as damages for bodily injury, sickness or disease, including death at any time resulting therefrom , sustained by any &nbsp;person caused by accident and arising out of the hazards hereinafter defined as are indicated by specific premium charge in the Declarations.<br />\n&nbsp; &nbsp; &nbsp; &nbsp; Coverage B - Property Damage Liability<br />\nTo indemnify the Insured for all sums which the Insured shall become legally obligated to pay as damages for injury to or destruction of property, including the loss of use thereof, caused by accident and arising &nbsp;out of the hazards hereinafter defined as are indicated by specific premium charge in the declarations.<br />\nII.&nbsp;&nbsp; &nbsp;Defense, Settlement, Supplementary Payments<br />\nAs respects the Insurance afforded by the other terms of this policy the company shall:<br />\n(a)&nbsp;&nbsp; &nbsp;defend any civil suit against the Insured alleging such injury, sickness, disease or destruction and seeking damages on account thereof, even if suit is groundless, false or fraudulent; but the company may make such investigation, negotiation and settlement of any claim or suit as it deems expedient;<br />\n(b)&nbsp;&nbsp; &nbsp;pay all premium on bonds to release attachments for an amount not in excess of the applicable limit of liability of this policy; all premiums on appeal bonds required in any such defended suit, but without any obligation to apply for or furnish any such bonds;<br />\n(c)&nbsp;&nbsp; &nbsp;pay all expenses incurred by the Insured, all costs taxed against the Insured in any such suit and all interest accruing after entry of judgment until the Company has paid, tendered or deposited in court part of such judgment as does not exceed the limit of Company&#39;s liability thereon:<br />\n(d)&nbsp;&nbsp; &nbsp;pay expenses incurred by the Insured for such immediate medical and surgical relief to others as shall be imperative at the time of the accident: &nbsp;and<br />\n(e)&nbsp;&nbsp; &nbsp;reimburse the Insured for all reasonable expenses, incurred at the Company&#39;s request.<br />\nIII.&nbsp;&nbsp; &nbsp; Definition of Insured<br />\n&nbsp; &nbsp; &nbsp; &nbsp;The unqualified word &#39;Insured&#39; includes the named Insured and also includes any partner, executive officer, director or &nbsp;stockholder thereof while acting within the scope of his duties as such.<br />\nIV.&nbsp;&nbsp; &nbsp; Automatic Insurance for Additional Premises Operations and Elevators<br />\n&nbsp; &nbsp; &nbsp; &nbsp; Such insurance as is &nbsp;afforded under Division 1 of the Definition of Hazards applies also to additional or changed operations at the premises and to other premises and property of which the named Insured acquires ownership or control and to property rented to or located for use by others away from the premises, and such insurance as is or can be afforded under Division 2 applies to elevators newly installed at the premises and to elevators at such other premises, provided:<br />\n(a)&nbsp;&nbsp; &nbsp;the named Insured notifies the company within fifteen (15) days after the commencement of each such additional hazard to which he wishes the Insurance to apply;<br />\n(b)&nbsp;&nbsp; &nbsp;this paragraph does not apply to any loss against which the name Insured has other valid and collectible insurance; &nbsp;and<br />\n(c)&nbsp;&nbsp; &nbsp;if no limits of liability are stated in the declarations for Division 2 of the Definition of Hazards, the limits of liability applicable to the premises shall apply to elevators thereon.<br />\nV.&nbsp;&nbsp; &nbsp;Policy Period, Territory<br />\n&nbsp; &nbsp; &nbsp; &nbsp;This policy applies only to accidents which occur during the policy period within the territory mentioned in Item 2 of the Declarations.</p>\n\n<p>DEFINITION OF HAZARDS</p>\n\n<p>1.&nbsp;&nbsp; &nbsp;Premises - Operations. The ownership, maintenance or use, for the purposes stated in the Declarations, of the premises and all operations which are necessary or incidental thereto and, when described as such in the Declarations, new construction or demolition operations changing the size of or moving buildings or other structures by the Insured.<br />\n2.&nbsp;&nbsp; &nbsp;Elevators.The ownership, maintenance or use, for the purpose stated in the declarations, of any elevator therein.<br />\n3.&nbsp;&nbsp; &nbsp;Independent Contractors. &nbsp;Operations performed for the Insured by independent contractors, and omissions or supervisory acts of the Insured in connection therewith, other than maintenance, repairs, alterations at the premises.<br />\n4.&nbsp;&nbsp; &nbsp;Products<br />\n(a)&nbsp;&nbsp; &nbsp;The handling or use of or the existence of any conditions in goods or products manufactured, sold, handled or distributed by the named Insured, other than equipment rented to or located for use of others but not sold, if the accident occurs after the Insured has relinquish possession thereof, and away from the premises: &nbsp;and</p>\n\n<p>(b)&nbsp;&nbsp; &nbsp;Operations contemplated under Divisions 1 and 2 of the Definition of Hazards other than (i) &nbsp;pick-up and delivery, or, &nbsp;(ii) the existence of tools, uninstalled equipment and abandoned or &nbsp;unused materials, if the accident occurs after such operations have been completed or abandoned at the place of occurrence thereof and away from the premises, provided, &nbsp;operations shall not be deemed incomplete because improperly or defectively performed or because further operations may be required pursuant to a service or maintenance agreement.<br />\n5.&nbsp;&nbsp; &nbsp;Contractual. &nbsp; The express undertakings of the named Insured contained in endorsement forming a part of the policy.</p>\n\n<p>E X C L U S I O N S</p>\n\n<p>This policy does not apply:<br />\n(a)&nbsp;&nbsp; &nbsp;Under Divisions 1, 2 and 3 of the Definition of Hazards, to liability assumed by &nbsp;the Insured under any contract or agreement or under Division 4, to liability of others assumed by the Insured under any contract of agreement:<br />\n(b)&nbsp;&nbsp; &nbsp;Under Division 1 of the Definition of Hazards.<br />\n(1)&nbsp;&nbsp; &nbsp;to elevators at buildings owned, rented or controlled entirely by the Insured, and elevators operated, maintained or controlled by the Insured at premises owned, leased or controlled in part by the Insured:<br />\n(2)&nbsp;&nbsp; &nbsp;to the ownership, maintenance or use, including loading or unloading, of (i) aircraft by or in the interest of the Insured, or (ii) &nbsp;while away from the premises as defined herein, watercraft, power driven or animal drawn vehicles, dogs owned by the Insured, draft or saddle animals, including vehicles attached thereto: vehicles from which merchandise is sold; and any other vehicles while rented to another, unless such hazards are described in the declarations or an endorsement forming a part hereof;<br />\n(3)&nbsp;&nbsp; &nbsp;to hazards which are or can be insured under Division 4 of the Definition of Hazards; &nbsp;and<br />\n(4)&nbsp;&nbsp; &nbsp;to the ownership or maintenance of property &nbsp;away from the premises and property rented to or located for use by others or to operations in connections therewith, unless such hazards are described in the declarations or an endorsement forming a part thereof;<br />\n(c)&nbsp;&nbsp; &nbsp;Under Coverage A, to bodily injury to or sickness, disease or death of any employee of the Insured while engaged in the employment of the Insured, or &nbsp;to any obligation for which the Insured or any company as his Insurer may be held liable under any workmen&rsquo;s compensation law:<br />\n(d)&nbsp;&nbsp; &nbsp;Under coverage B, to injury to or destruction of<br />\n(1)&nbsp;&nbsp; &nbsp;property owned, occupied or used by or rented to the Insured, or<br />\n(2)&nbsp;&nbsp; &nbsp;except with respect to liability assumed under sidetrack agreements and the use of elevators covered by this policy, property in the care, custody or control of the Insured, or<br />\n(3)&nbsp;&nbsp; &nbsp;with respect to Division 4 of the Definition of Hazards, any goods or products manufactured, sold, handled or distributed or premises alienated by the named Insured, or work completed by or for the named Insured, out of &nbsp;which the accident arises:<br />\n(e)&nbsp;&nbsp; &nbsp;Under Coverage B, with respect to Division 1 of the Definition of Hazards, to<br />\n(1)&nbsp;&nbsp; &nbsp;the discharge, leakage or overflow of water or steam from plumbing, heating, refrigerating or air-conditioning systems, elevator tanks or cylinders,standpipes for the hose, or industrial or domestic appliances, or any substance from automatic sprinkler systems.<br />\n(2)&nbsp;&nbsp; &nbsp;the collapse or fall of tanks or the component parts or supports thereof which form a part of automatic sprinkler systems, or<br />\n(3)&nbsp;&nbsp; &nbsp;rain or snow admitted directly to the building interior through defective roofs, leaders or spouting, or open or defective doors, windows, skylights, transoms or ventilators.<br />\nIn so far as any of these occur on or from premises owned or rented by the named Insured and injure or destroy buildings or contents thereof.<br />\n*This exclusion does not apply to any premises described in the declarations of this policy as &quot;apartment-one apartment&quot;, &quot;dwellings-two family&quot;, &quot;farms&quot; or &nbsp;&quot;private residences&quot;.</p>\n\n<p>C O N D I T I O N S</p>\n\n<p>A.&nbsp;&nbsp; &nbsp;Premium<br />\nThe premium bases and rates for the hazards described in the Declarations are stated therein. &nbsp;Premium bases and rates for hazards not so described are those applicable in accordance with the manuals in use by the Company.</p>\n\n<p>Such premiums as may be stated in the Declarations for Division 2 and 4 of the Definition of Hazards and for such classifications in Division 1 for which the premium basis is stated as &quot;receipts&quot;, &quot;admissions&quot; or &quot;units&quot; are estimated premiums only. &nbsp;After each anniversary and upon termination of this policy, the earned premium for such insurance as is afforded for these hazards shall be computed in accordance with the Company&#39;s rules, rates, rating plans and minimum premiums applicable to this insurance. &nbsp;If the earned premium thus computed exceeds the estimated advance premiums paid for these hazards, the named Insured shall pay the excess to the Company; &nbsp;if less, the company shall return to the name Insured the unearned portion paid by such Insured.</p>\n\n<p>When used as a premium basis:<br />\n(1)&nbsp;&nbsp; &nbsp;the word &quot;remuneration&quot; means<br />\n(a)&nbsp;&nbsp; &nbsp;the entire remuneration earned during the policy period by all employees of the named Insured, other than drivers of teams or automobiles and aircraft pilots and co-pilots, subject to any overtime earnings or limitation of remuneration rule applicable in accordance with the manuals in use by the company, and subject with respect to each executive officer to a maximum and a minimum of P200 and P60 per week, and<br />\n(b)&nbsp;&nbsp; &nbsp;the remuneration of each proprietor at a fixed amount of P4,000 per annum:<br />\n(2)&nbsp;&nbsp; &nbsp;the word &ldquo;receipts&rdquo; means the gross amount of money charged by the named Insured for such operations by the named Insured or by others during the policy period as are rated on a receipts basis, and includes taxes, other than taxes which the named Insured collects as a separate item and remits directly to a governmental division:<br />\n(3)&nbsp;&nbsp; &nbsp;the word &ldquo;admissions&rdquo; shall mean the total number of persons admitted during the policy period, whether on paid tickets or otherwise for the purpose of witnessing performances or other events.<br />\n(4)&nbsp;&nbsp; &nbsp;the word &ldquo;cost&rdquo; means the total cost of all operations performed for the named Insured during the policy period by independent contractors on each separate project, including materials used or delivered for use, except maintenance or ordinary alterations and repairs on premises owned or rented by the named Insured:<br />\n(5)&nbsp;&nbsp; &nbsp;the word &ldquo;sales&rdquo; means the gross amount of money charged by the named Insured &nbsp;or by others trading under his name for all goods and products sold or distributed during the policy period and charged during the policy period for installation, servicing or repair, and includes taxes, other than taxes which the named Insured and such others collect as a separate item and remit directly to a governmental division.<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp;The named Insured shall maintain for each hazard records of the information necessary for premium computation on the basis stated in the Declarations.</p>\n\n<p>B.&nbsp;&nbsp; &nbsp;Inspection and Audit<br />\nThe company shall be permitted to inspect the premises, operations and elevators and to examine and audit the Insured&rsquo;s books and records at any time during the policy period and any extension thereof and within three years after the final termination of &nbsp;this policy, as far as they relate to the premium bases or the subject matter of this insurance.</p>\n\n<p>72&nbsp;&nbsp; &nbsp;Definitions<br />\n(a)&nbsp;&nbsp; &nbsp;Premises - Operations. &nbsp;The unqualified word &quot;premises&quot; wherever used in this policy &nbsp;means the premises designated in the Declarations and premises to which this policy may apply by operation of Insuring Agreement IV including buildings and structures thereon and except as respects the ownership, maintenance or use of watercrafts and the loading or unloading &nbsp;thereof, the ways immediately adjoining.</p>\n\n<p>Classifications covering premises include without additional charge, any premises alienated by the named Insured, including elevators located thereon, after the Insured has relinquished &nbsp;possession of such premises, except premises over which the Insured has any right or control or which were constructed by the Insured for sale.<br />\n&nbsp;&nbsp; &nbsp;The terms &quot;operations&quot; as respects Divisions 1 and 2 of the Definition of Hazards includes pick-up and delivery installation, servicing, removal or demonstration, and, &nbsp;as respects accidents (except accidents due to misdelivery ) which occur after the completion or abandonment of such operations, pick-up or delivery operations or the existence of tools, uninstalled equipment and abandoned or unused materials.</p>\n\n<p>(b) &nbsp; Power &nbsp;Driven Vehicles. &nbsp;The term &nbsp;&quot;Power Driven Vehicle&quot; shall not be deemed to include the following described equipment except while towed by or carried on a power driven vehicle not so described; any crawler type &nbsp;(continuous tread) &nbsp;tractor, ditch or trench digger, power crane or shovel, grader, scraper, roller, well-drilling machinery, asphalt spreader, concrete mixer, mixing and finishing equipment for highway work, other than a concrete mixer of the mix-in-transit type, and, if not subject to motor vehicle registration, any equipment used principally on the premises, farm tractor or trailer.</p>\n\n<p>(c)&nbsp;&nbsp; &nbsp;Elevator. &nbsp;The word &quot;elevator&quot; means elevators, escalators, hoists and appliances thereof including cars, platforms, shafts, hoistways, runways, power equipment and machinery. &nbsp;The following shall not be deemed to be elevators: &nbsp;elevator shaftways in which there are no elevators: &nbsp;dumbwaiters or special platform lifts as defined in the company&rsquo;s Elevator Liability Manual; hoists located inside the walls of the building and not operated through hatchways or located outside the walls of the building and (1) manually operated or (2) mechanically operated and not attached to the building walls; hydraulic or mechanical hoists used for raising or lowering automobiles for lubricating or servicing: hod or materials hoists used in alterations, construction or demolition operations; escalators and conveyors used exclusively for freight. The named Insured agrees to maintain in use during the policy period such hoistway door interlocks and car gate or car doorlocks or interlocks as are described in the Declarations and agrees further to use due care in maintaining the efficiency of such devices during the policy period. &nbsp;</p>\n\n<p>(d)&nbsp;&nbsp; &nbsp;Assault and Battery. &nbsp;Assault and battery shall be deemed an accident unless committed by or at the direction of the Insured.</p>\n\n<p>D.&nbsp;&nbsp; &nbsp;Limits of Liability Coverage A. &nbsp;The limit of bodily injury liability stated in the Declarations as applicable to &quot;each person&quot; is the limit of the company&#39;s liability for all damages, including damages for care and loss of services, arising out of bodily injury, sickness or disease, including death at any time resulting therefrom, sustained by one person in any &nbsp;one accident; the limit of such liability stated in the Declarations as applicable to &nbsp;&quot;each accident&quot; is, subject to the above provisions respecting each person, the total limit of the company&rsquo;s liability for all damages, including damages for care and loss of services, arising out of bodily injury, sickness or disease, including death at any time resulting therefrom, sustained by two or more persons in any one accident</p>\n\n<p>E.&nbsp;&nbsp; &nbsp;Limits of Liability &nbsp;- &nbsp;Division 4 Definition of Hazards. &nbsp;The limits of bodily injury liability and property damage liability stated in the Declarations as &nbsp;&quot;aggregate products&quot; &nbsp;are respectively the total limits of the company&#39;s liability for all damages arising out of the products hazard. &nbsp;All such damages arising out of the one prepared or acquired lot of goods or products shall be considered as arising out of one accident.</p>\n\n<p>F.&nbsp;&nbsp; &nbsp;Limits of Liability Coverage B. The limit of property damage liability stated in the Declarations As &nbsp;&quot;aggregate operations&quot; &nbsp;is the total limit of the company&#39;s liability for all damages arising out of injury to or destruction of property, including the loss of use thereof, caused by the ownership, maintenance or use or premises or operations rated upon a remuneration premium basis or by contractor&rsquo;s equipment rated on a receipts premium basis.<br />\nThe limit of property damage liability stated in the Declarations as &quot;aggregate protective&quot; is the total limit of the company&#39;s liability for all damages arising out of injury to or destruction of property, including the loss of use thereof, caused by operations performed for the named Insured by independent contractors or omissions or supervisory acts of &nbsp;the Insured in connection therewith, except maintenance or ordinary alterations and repairs on the premises.<br />\nThe limit of property damage liability stated in the Declarations as &quot;aggregate contractual&quot; is the total limit of the company&rsquo;s liability for all damages arising out of injury to or destruction of property, including the loss of use thereof with respect to each contract.</p>\n\n<p>G.&nbsp;&nbsp; &nbsp;Limits of Liability. &nbsp;The inclusion herein of more than one insured shall not operate to increase the limits of the company&#39;s liability.</p>\n\n<p>H.&nbsp;&nbsp; &nbsp;Notice of Accident. &nbsp;When an accident occurs, written notice shall be given by or on behalf of the Insured to the company or any of its authorized agents as soon as applicable. &nbsp;Such notice shall contain particulars sufficient to identify the Insured and also reasonably obtainable information respecting the time, place and circumstances of the accident, the names and addresses of the injured and of available witnesses.</p>\n\n<p>I.&nbsp;&nbsp; &nbsp;Notice of Claim or Suit. If claim or suit is brought against the Insured, the Insured shall Immediately forward to the company every demand, notice, summons or other process received by him or his representative.</p>\n\n<p>J.&nbsp;&nbsp; &nbsp;Assistance and Cooperation of the Insured. &nbsp;The Insured shall cooperate with the company and, upon the company&rsquo;s request, shall attend hearings and trials and shall assist in effecting settlements, securing and giving evidence, obtaining the attendance of witnesses and in the conduct of suits. &nbsp;The Insured shall not, &nbsp;except at his own cost, voluntarily make any payment, assume any obligation or incur any expense other than for such immediate medical and surgical relief to others as shall be imperative at the time of accident.</p>\n\n<p>K.&nbsp;&nbsp; &nbsp;Action Against Company. &nbsp;No action shall lie against the company unless, as a condition precedent thereto, the Insured shall have fully complied with all the terms of this policy, nor until the amount of the Insured&rsquo;s obligation to pay shall &nbsp;have been finally determined either by judgment against the Insured after actual trial or by written agreement of the Insured, the claimant and the company.<br />\nAny person or organization or the legal representative thereof who has secured judgment or written agreement shall thereafter be entitled to recover under this policy to the extent of the insurance afforded by this policy. &nbsp;Nothing contained in this policy shall give any person or organization any right to join the company as a co-defendant in any action against the Insured to determine the Insured&#39;s liability.<br />\nBankruptcy or insolvency of the Insured or of the Insured&#39;s estate shall not relieve the company of any of its obligations hereunder.</p>\n\n<p>L.&nbsp;&nbsp; &nbsp;Other Insurance. &nbsp;If the Insured has other Insurance against a loss covered by this policy the company &nbsp;shall not be liable under this policy for a greater proportion of such loss than the applicable limit of liability stated in the Declarations bears to the total applicable limit of liability of all valid and collectible insurance against such loss.</p>\n\n<p>M.&nbsp;&nbsp; &nbsp;Subrogation. &nbsp;In the event of any payment under this policy, the company shall be subrogated to all the Insured&rsquo;s rights of recovery thereof against any person or organization and the Insured shall execute and deliver instruments<br />\nand papers and do whatever else is necessary to secure such rights. &nbsp;The Insured shall do nothing after loss to&nbsp;<br />\nprejudice such rights.</p>\n\n<p>N.&nbsp;&nbsp; &nbsp;Changes. &nbsp;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 &nbsp;the terms of this policy be waived or changed except by endorsement issued to form a part of this policy and signed by an authorized representative of the company.</p>\n\n<p>O.&nbsp;&nbsp; &nbsp;Assignment. Assignment of interest under this policy shall not bind the company until its consent is endorsed hereon: if, however, the named Insured shall die or be adjudged bankrupt or Insolvent within the policy period, this policy, unless cancelled, shall, if written notice be given to the company within sixty days after the date of such death or adjudication, cover &nbsp;the named Insured&rsquo;s legal representative as the named Insured.</p>\n\n<p>P. &nbsp; Cancellation. &nbsp;This policy shall not be cancelled by or on behalf of the Company except in accordance with and pursuant to the provisions of Sections 64 and 65 of the Insurance Code. In the event of such cancellation, the Company shall refund the paid premiums less the earned portion thereof the Insured. &nbsp;Likewise, this policy maybe cancelled on the short rate basis set forth &nbsp;in the short rate cancellation table at the request of the assured.</p>\n\n<p>Q, Declarations. &nbsp;By acceptance of this policy the named Insured agrees that the statements in the Declarations are his agreements and representations, that this policy is issued in reliance upon &nbsp;the truth of such representations and that this policy embodies all agreements existing between himself and the company or any of its agents relating to this insurance.</p>\n\n<p>R.&nbsp;&nbsp; &nbsp;Civil Code Waiver. &nbsp;IT IS HEREBY DECLARED AND AGREED that the provision of Article 1250 of the Civil Code of &nbsp;the Philippines (Republic Act No. 386) which reads:<br />\n&quot; In case an extraordinary inflation or deflation of the currency stipulated should supervene, currency at the time of the establishment of the obligation shall be the the value of the basis of payment,...&quot;<br />\nshall not apply in determining the extent of liability under the provisions of this policy.</p>\n\n<p>S.&nbsp;&nbsp; &nbsp;Action or Suit. &nbsp;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 an arbitration taking &nbsp;place as provided herein within twelve (12) &nbsp;months after due notice of the award made by the arbitrator, arbitrators or umpire then the claim shall for all purpose be deemed to have been abandoned and shall not thereafter be recoverable thereafter.</p>\n\n<p>T.&nbsp;&nbsp; &nbsp;Renewal. Unless the Company at least forty-five (45) days in advance at 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 &nbsp;elimination &nbsp;of coverages, the Insured should be entitled to renew to policy upon payment of the &nbsp;premium due on effective date of renewal.</p>\n\n<p>U.&nbsp;&nbsp; &nbsp;Settlement of Claim. &nbsp;The amount of loss, damage or liability for which the Company may be liable shall be paid within thirty (30) days after the said formal written claim and proof of loss, damage of liability is received by the Company and ascertainment of the loss, damage or liability is made either by agreement between the Insured and the Company or by arbitration; but if such ascertainment is not had or made within sixty (60) days after such receipt by the Company of the said formal written claim and proof of loss, then the loss, damage or liability shall be paid within ninety (90) days after such receipt.</p>\n\n<p>V.&nbsp;&nbsp; &nbsp;Arbitration Clause.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 &nbsp;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 decision of an umpire to be appointed in writing by the arbitrators before entering on the references and an award by the arbitrator or arbitrators or umpire shall be a condition precedent to any right of action against the Company on in case of difference as to amount of liability actually arising out of this</p>\n\n<p>SHORT PERIOD RATE SCALE</p>\n\n<p>W.&nbsp;&nbsp; &nbsp;It is hereby declared and agreed that, in the event of the Policy being surrendered by the Insured for cancellation, the Company shall retain a premium in accordance with the following scale for the time the Policy has been in &nbsp;force.<br />\n&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;<br />\nMONTHS&nbsp;&nbsp; &nbsp;1 or less&nbsp;&nbsp; &nbsp;2&nbsp;&nbsp; &nbsp;3&nbsp;&nbsp; &nbsp;4&nbsp;&nbsp; &nbsp;5&nbsp;&nbsp; &nbsp;6&nbsp;&nbsp; &nbsp;7&nbsp;&nbsp; &nbsp;8&nbsp;&nbsp; &nbsp;9&nbsp;&nbsp; &nbsp;10&nbsp;&nbsp; &nbsp;11<br />\nANNUAL &nbsp;RATE&nbsp;&nbsp; &nbsp;20%&nbsp;&nbsp; &nbsp;30%&nbsp;&nbsp; &nbsp;40%&nbsp;&nbsp; &nbsp;50%&nbsp;&nbsp; &nbsp;60%&nbsp;&nbsp; &nbsp;70%&nbsp;&nbsp; &nbsp;75%&nbsp;&nbsp; &nbsp;80%&nbsp;&nbsp; &nbsp;85%&nbsp;&nbsp; &nbsp;90%&nbsp;&nbsp; &nbsp;95%</p>\n\n<p><br />\nATTACHED TO AND FORMING PART OF &nbsp;ALLIEDBANKERS INSURANCE CORPORATION<br />\nCOMPREHENSIVE GENERAL LIABILITY POLICY</p>\n\n<p>72 HOURS SUDDEN &amp; ACCIDENTAL POLLUTION EXTENSION CLAUSE</p>\n\n<p>IT IS HEREBY DECLARED AND AGREED that this insurance does not cover any liability:</p>\n\n<p>To Bodily Injury of Property Damage arising out of the discharge, dispersal, release or escape of smoke, vapors, soot, fumes, acid, alkalis, toxic chemicals, liquids, or gases, waste materials or other irritants, contaminants or pollutants into or upon land, the atmosphere or any water course or body of water, but this exclusion does not apply if such discharge, dispersal, release or escape meets all five of the following conditions:</p>\n\n<p>1)&nbsp;&nbsp; &nbsp;The discharge, dispersal, release or escape must be neither expected nor intended by the Insured and<br />\n2)&nbsp;&nbsp; &nbsp;The beginning of the discharge, dispersal, release or escape must take place during the policy period and<br />\n3)&nbsp;&nbsp; &nbsp;The discharge, dispersal, release or escape must be physically evident to the Insured or other parties within 72 hours of the beginning of the discharge, dispersal, release or escape.<br />\n4)&nbsp;&nbsp; &nbsp;The initial bodily injury or property damage caused by the discharge, dispersal, release or escape must ensue within 72 hours of the beginning of the discharge, dispersal, release or escape.<br />\n5)&nbsp;&nbsp; &nbsp;Notwithstanding anything to the contrary in Condition H, &ldquo;Notice of Accident&rdquo; or any other policy Duties in the event of occurrence. Claim or Suit or any other Policy Duties in the Event of occurrence, Claim or &nbsp;Suit or any other policy conditions, all claims made against the Insured under this coverage must be reported to the company as soon as practicable but not later than 30 days after termination of the policy.</p>\n\n<p>ADDITIONAL DEFINITIONS</p>\n\n<p>The term release includes, but is not limited to any spilling, leaking, pumping, pouring, emitting, emptying, injection, dumping or disposing.</p>\n\n<p>ADDITIONAL CONDITIONS</p>\n\n<p>If the Insured and the Company should disagree with regards to when a discharge, dispersal, release or escape begins or becomes evident, the burden of proving that all five (5) enumerated conditions are met rests with the Insured, at the Insured&rsquo;s own expense. &nbsp;Until such proof is accepted by the Company, the Company may but is not obligated, to defend any claim.</p>\n\n<p>The Limit of Liability is : &nbsp;Please refer to Schedule</p>\n\n<p>Deductible &nbsp; &nbsp;: &nbsp;Please refer to schedule</p>\n\n<p>DOCUMENTARY STAMP</p>\n\n<p>Effective October 01, 2001, the Bureau of Internal Revenue under Revenue Regulations Number 15-2001, has implemented the use of &quot;ON-LINE ELECTRONIC DOCUMENTARY STAMPS TAX (DST)&quot;, among insurance companies.<br />\nIn view of the above, the Documentary Stamp Tax (DST) becomes immediately due once a policy is issued in effect, when a policy is cancelled, the liability for DST still exists and the same should be chargeable to the Insured.</p>\n\n<p>WAR &amp; TERRORISM EXCLUSION</p>\n\n<p>Notwithstanding any provision to the contrary within this insurance or any endorsement thereto, it is agreed that this insurance excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss.</p>\n\n<p>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 in behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.</p>\n\n<p>This endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly &nbsp;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.</p>\n\n<p>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.</p>\n\n<p>In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and effect. &nbsp;NMA2920</p>\n', '', 450, '', '2017-04-03 19:02:43', '2020-09-08 11:52:17', 169, 72),
(484, '1', 'TL', 'TENANTS LIABILITY', '<p>It is understood that this Policy extends to include:</p>\n\n<p>a)&nbsp;&nbsp; &nbsp;The liability which the Insured incurs as tenants under of any civil or commercial code, because of loss, destruction or damage to real and personal property caused by any of the contingencies insured against under this Section of this Policy.</p>\n\n<p>b)&nbsp;&nbsp; &nbsp;The liability, which the Insured incurs under articles of any civil or commercial code, for loss destruction or damage to real or personal property caused by any of the contingencies insured against under this Section of the Policy spreding &nbsp;from any of the Insured Location to the premises of neighbors and co-tenants.</p>\n\n<p>c)&nbsp;&nbsp; &nbsp;The liability, which the Insured incur as landlord under articles of any civil or commercial code, for loss, destruction or damage to the personal property of tenants caused by any of the contingencies insured against under this Section of this Policy as a result of &nbsp;constructional defects or lack of maintenance.<br />\n&nbsp;</p>\n', '', 450, '', '2017-04-03 19:54:13', '2017-04-03 19:54:13', 169, 169),
(485, '1,2', 'PALO', 'PAYMENT OF LOSS', '<p>Payment of loss as insured by the policy shall be made the total amount has been agreed or at the request of the Insured at intervals of not less than one month commencing 45 days after receipt of written notice of the loss by the Insurers provided that monthly accounts of the loss be submitted by the Insured to the Insurers; subject always to the concurrence of the surveyors and/or loss adjusters involved and the approval of the Insurers.</p>\n', '', 450, '', '2017-04-03 19:57:32', '2018-11-20 11:09:21', 169, 215),
(486, '1', 'TSEE', 'TERRORISM AND SABOTAGE EXCLUSION ENDORSMENT', '<p>It is hereby understood and agreed, that notwithstanding any other war risk or terrorism exclusion that may be in the policy or any clause limiting or attemting to limit the application of any endorsements to the policy, this policy is amended as follows:</p>\n\n<p>The policy does not cover loss or damage to property caused by, resulting from, contributed to or aggravated by any of the following perils, whether such loss or damage is accidental or intentional, intended or unintended, direct or indirect, proximate or remote or in whole or in part caused by, contributed to or aggravated by any perils insured by the policy.</p>\n\n<p>(1) war, hostils or warlike action in time of peace or war, whether or not declared, including action in hindering, conbating or defending against an actual, impending or expected attach.</p>\n\n<p>(a) by government or sovereign power (de jure or de facto) or by any authority maintaining or using military, naval or air forces; or<br />\n(b) by military, naval or air forces; or<br />\n(c) by an agent of any such government, power, authority or force.</p>\n\n<p>(2) any weapon of war employing atomic fission or radioactive force whether is time of peace or war, whether or not its discharge was accidental;</p>\n\n<p>(3) insurrection, mutiny, civil commotion assuming the proportion of or amounting to a popular rising, rebellion, revolution, sabotage, civil war, usurped power, or action taken by government authority in hindering, combating, or defending against such an occurrence, seizure or destruction;</p>\n\n<p>(4) any act of one or more persons, whether known or unknown and whether or not agents of a sovereign power, for terrorist purposes.</p>\n\n<p>(5) Hijacking or any unlawful seizure or wrongful exercise or control of any mode of transportation, including but not limited to aircraft, watercraft, truck(s), tran(s) or automovile (s), including any attempted seizure of control, made by any person or persons.</p>\n\n<p>Such loss or damage is excluded regardless of any other cause, event of intervention that contributes concurrently or in any sequence to the loss or damage.</p>\n\n<p>Terrorist purposes mean the use or threatened use of any unlawful means, including the use of force or violence against any person (s) or property (ies), for the actual or pparent purpose of intimidating, coercing, punishing or affecting society or same portion of society or government.&nbsp;</p>\n', '', 450, '', '2017-04-03 20:12:56', '2017-04-03 20:12:56', 169, 169),
(487, '1', 'EDEC', 'ELECTRONIC DATA EXCLUSION CLAUSE (CYBER RISK CLAUSE)', '<p>Notwithstanding any provision to the contrary in the Policy or any endorsement thereto, it is understood and agreed as follows:</p>\n\n<p>A) &nbsp;This policy does not insure:<br />\n&nbsp; &nbsp; &nbsp; (I) &nbsp; Total or partial destruction, distortion, erasure, alteration, misinterpretation or misappropriation of electronic data,<br />\n&nbsp; &nbsp; &nbsp; (ii) &nbsp;Error in creating, amending, entering, deleting using electronic data, or&nbsp;<br />\n&nbsp; &nbsp; &nbsp; (iii) Total or partial inability or failure to receive, send, access or use electronic data for any time or at all<br />\n&nbsp; &nbsp; &nbsp;&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp;From any cause whatsoever, regardless of any other contributing cause or event whenever it may occur.<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp;ELECTRONICA DATA means facts, concepts and information converted to a form useable for communications, 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) &nbsp;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:<br />\n&nbsp; &nbsp; &nbsp; &nbsp; (i) &nbsp; Physical loss or damage or destruction to property insured directly caused by such listed peril and/or,<br />\n&nbsp; &nbsp; &nbsp; &nbsp; (ii) &nbsp;Consequential loss insured by this policy,&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; 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) causes any of the matters described in paragraph (A) above, 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 or 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) &nbsp;For the purposes of the basis of settlement provision in this policy, computer systems records includes electronic data as defined in paragraph (A) above;</p>\n\n<p>ANY TERRORISM EXCLUSION IN THIS POLICY OR ANY ENDORSEMENT THERETO PREVAILS OVER THIS ENDORSEMENT.&nbsp;</p>\n', '', 450, '', '2017-04-03 20:15:10', '2017-07-03 10:34:09', 169, 194),
(488, '1', 'EDEXL', 'ELECTRONIC DATA EXCLUSION', '<p>Notwithstanding any provision to the contrary in the Policy or any endorsement thereto, it is understood and agreed as follows:&nbsp;<br />\na) This Policy does not insure:&nbsp;</p>\n\n<p>&nbsp; &nbsp; &nbsp; i. &nbsp;Total or partial destruction, distortion, erasure, alteration, misinterpretation or misappropriation of electronic data,&nbsp;<br />\n&nbsp; &nbsp; &nbsp;ii. &nbsp;Error in creating, amending, entering, deleting using electronic data, or&nbsp;<br />\n&nbsp; &nbsp; iii. Total or partial inability or failure to receive, send, access or use electronic data for any time or at all 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 communications, 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.&nbsp;</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:&nbsp;</p>\n\n<p>i. &nbsp; Physical loss or damage or destruction to Properties Insured directly caused by such listed peril and/or&nbsp;</p>\n\n<p>ii. &nbsp;Consequential loss Insured by this Policy further this exclusion does not apply in the event that a peril &nbsp;listed below (being a peril Insured by this Policy but for this exclusion) causes any of the matters described in paragraph (a) above 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, &nbsp;impact from road vehicle or animal, bursting, overflowing, discharging or &nbsp;leaking of water tanks apparatus or 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.&nbsp;<br />\niii. For the purposes of the basis of settlement provision in this Policy, computer systems records includes 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. &nbsp;</p>\n', '', 450, '', '2017-04-03 20:16:02', '2017-04-03 20:16:15', 169, 169),
(489, '2', 'ICC', 'INSTITUTE CLASSIFICATION CLAUSE', '<p>THE MARINE TRANSIT RATES AGREED FOR THIS INSURANCE APPLY ONLY TO CARGOES AND OR INTERESTS CARRIED BY MECHANICALLY SELF-PROPELLED VESSELS OF STEEL CONSTRUCTION. &nbsp;CLASSED AS BELOW BY ONE OF THE FOLLOWING CLASSIFICATION SOCIETIES,</p>\n\n<p>Lloyd&#39;s Register &nbsp; &nbsp; . . &nbsp; &nbsp; &nbsp; 100 AI or B.S.</p>\n\n<p>American Bureau<br />\n&nbsp; &nbsp; &nbsp;of Shipping &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;AI</p>\n\n<p>Bureau Veritas &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;1 3/3 E</p>\n\n<p>Germanischer Lloyd &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 100 A4<br />\nNippon Kaiji Kyokai &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;NS*</p>\n\n<p>Norske Veritas &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 1A1</p>\n\n<p>Registro Italiano &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 100 A 1.1, Nav.L.<br />\nRegister of Shipping of&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp;the U.S.S.R. &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;</p>\n\n<p>Polish Register of<br />\n&nbsp; &nbsp; &nbsp; &nbsp;Shipping &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; *KM</p>\n\n<p>PROVIDED SUCH VESSELS ARE</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp;(i) &nbsp;not over 15 years of age, OR<br />\n&nbsp; &nbsp; &nbsp; &nbsp;(ii) &nbsp;over 15 years of age but not over 25 years of age and have established and&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; maintained a regular pattern of trading on an advertised schedule to load and&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; unload at specified ports.</p>\n\n<p>CHARTERED VESSELS AND ALSO VESSELS UNDER 100 G.R.T. WHICH ARE MECHANICALLY SELF-PROPELLED AND OF STEEL CONSTRUCTION MUST BE CLASSED AS ABOVE AND NOT OVER 15 YEARS OF AGE.</p>\n\n<p>THE REQUIREMENTS OF THE INSTITUTE CLASSIFICATION CLAUSE DO NOT APPLY TO ANY CRAFT, RAFT OR LIGHTER, USED TO LOAD OR UNLOAD THE VESSEL, WHILST THEY ARE WITHIN THE PORT AREA.</p>\n\n<p>CARGOES AND/OR INTERESTS CARRIED BY MECHANICALLY SELF-PROPELLED VESSELS NOT FALLING WITHIN THE SCOPE OF THE ABOVE ARE HELD COVERED SUBJECT TO &nbsp;A PREMIUM AND ON CONDITIONS TO BE AGREED.</p>\n\n<p>C.L. 83&nbsp;</p>\n', '', 450, '', '2017-04-03 23:32:00', '2017-05-19 11:40:14', 169, 71),
(491, '1,2,6', 'DST', 'DOCUMENTARY STAMPS ADVISORY', '<p>Effective October 01, 2001, The Bureau Of Internal Revenue under Revenue Regulations Number 15-2001, has implemented the use of &nbsp;&quot;ON-LINE ELECTRONICS DOCUMENTARY STAMPS TAX (DST), among insurance companies.</p>\n\n<p>In view of the above, the Documentary Stamp Tax (DST) becomes immediately due once o a policy is issued in effect. &nbsp;When a policy is cancelled or endorsed to a lower value, the Insured is still&nbsp;liable to pay the full amount of the Documentary Stamps as stipulated in the policy prior to cancellation/endorsement.</p>\n', '52,53,71,72,73,79,80,85,86', 450, '', '2017-04-04 01:26:03', '2019-07-01 10:06:02', 169, 194),
(492, '1,2', 'ICAEC', 'INSTITUTE OF CYBER ATTACK EXCLUSION CLAUSE 10/11/03', '<p>INSTITUTE CYBER ATTACK EXCLUSION CLAUSE &nbsp;(10/11/03)</p>\n\n<p>1.1 &nbsp; &nbsp; &nbsp; &nbsp;Subject only to clause 1.2 below, in no case shall this insurance cover loss damage liability&nbsp;or expense directly or indirectly caused by or contributed to by or arising from the use or operation, as a means for inflicting harm, of any computer, computer system, computer software Programmed,&nbsp;malicious code, computer virus or process or any other electronic system.</p>\n\n<p>1.2 &nbsp; &nbsp; &nbsp; &nbsp; Where this clause is endorsed on policies covering risks of war, civil war, revolution, rebellion,&nbsp;insurrection, or civil strike arising therefrom, or any hostile act by or against a belligerent power,&nbsp;or terrorism or any person acting from a political motive, Cluse 1.1 shall not operate to exclude&nbsp;losses (which would otherwise be covered) arising from the used of any computer, compurter&nbsp;system or computer software programmed or any other electronic system &nbsp;in the lunch and /or&nbsp;guidance system and/or firing mechanism or any weapon or missile.<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; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;_____________________<br />\nCL.380</p>\n', '52,53,71,72,73,79,80,85', 450, '', '2017-04-04 02:01:27', '2019-06-28 13:02:35', 169, 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
(493, '1,2', 'TRCIR', 'TRUCK RISK CLAUSE INCLUDING ROBBERY AND HIJACKING', '<p>This Policy will insure:<br />\n1. Fire including self-ignition and internal explosion of conveyance.<br />\n2. Accidental collision of the vehicle with any other automobile, vehicle or object excluding however, contact with:<br />\n- any portion of the Road Bed Curbing;<br />\n- any stationary object while backing for loading or unloading;<br />\n- any object when such collision of the load with any object does not involve collision of the carrying vehicle.<br />\n3. Overturning and upset of the carrying vehicles;<br />\n4. Collapse of bridges if not overloaded beyond authorized ton name for bridges;<br />\n5. Explosion;<br />\n6. Flood (meaning rising of navigable waters<br />\n7. Robbery and Hijacking</p>\n\n<p><br />\nROBBERY AND HI-JACKING CLAUSE</p>\n\n<p>This insurance also covers the risk ROBBERY and HI-JACKING as defined herein subject to General Exclusion below. &nbsp;The term ROBBERY shall mean the felonious act of taking of personal property or any chattel in trade belonging to another or board the scheduled conveyance herein with the use of violence or intimidation against persons or force upon things. &nbsp;It shall be understood, however, that the act of ROBBERY to be covered should occur within the areas/s of operation described in the policy. &nbsp;The term HI-JACKING shall mean the unlawful or violent seizure or wrongful exercise of control by armed persons of the scheduled conveyance herein and/or its men including the contents thereof during any ambulant trips on regular/scheduled routes specified in the policy on any Philippine road, highway or thoroughfare. &nbsp;The term &quot;ambulant&quot; shall mean from the time the conveyance referred to herein leaves the premises of the warehouse at the place of origin and shall continue whilst in motion and traveling and shall terminate upon arrival at the final warehouse or whilst temporarily parked thereat or in any area within its vicinity awaiting unloading of its contents.</p>\n\n<p>General Exclusions:</p>\n\n<p>This clause shall not cover any loss or damage:</p>\n\n<p>a) proximately caused by any means other than those specified in the Policy<br />\nb) caused, committed or inflicted, either directly or indirectly by the assured, any of his or his contractor&#39;s employees, directors of relatives either as principal, accomplice or accessory as defined in the Revised Penal Code of the Phils.<br />\nc) Attributable to or occasioned by any act of &nbsp;war, civil war, revolution, rebellion, insurrection, civil strife, insurgency, uprising or any other similar act regardless of the time or place of the commission of the crime.</p>\n\n<p>Co-Insurance Clause</p>\n\n<p>Notwithstanding any provision stated in this policy to the contrary, it is hereby understood and agreed that subject to the annual aggregate limit indicated in the policy the Company&#39;s liability for any one loss due to ROBBERY/HI-JACKING shall be limited to ___ percent (%) of the sum insured.<br />\n&nbsp;</p>\n', '', 450, '', '2017-04-04 02:38:51', '2020-02-07 15:44:55', 169, 194),
(494, '1', 'RSMD', 'RIOT AND STRIKE & MALICIOUS DAMAGE ENDORSEMENT', '<p>In consideration of the payment of the aftermentioned premium, it is hereby agreed and declared that notwithstanding anything in the within written Policy contained to the contrary the insurance under this Policy shall extend to cover Riot and Strike &nbsp;Damage &nbsp;which &nbsp;for &nbsp;the &nbsp;purpose of this Endorsement shall mean (subject always to the Special Conditions hereinafter contained)</p>\n\n<p>Loss of or damage to property insured directly caused by:</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; 1. The &nbsp;act &nbsp;of &nbsp;any &nbsp;person &nbsp;taking part together with others in any disturbance of public peace &nbsp;(whether &nbsp;in connection with a strike of lock-out or not) not being an occurrence mentioned in Condition 6 of the Special Conditions hereof.</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; 2. The &nbsp;action &nbsp;of &nbsp;any lawfully constituted authority in suppressing or attempting to suppress &nbsp;any &nbsp;such &nbsp;disturbance or in minimizing the consequences of any such disturbance.</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; 3. The willful act &nbsp;of &nbsp;any &nbsp;striker &nbsp;or &nbsp;strike-out &nbsp;worker &nbsp;done in furtherance of &nbsp;a strike or in resistance to a lock-out.</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; 4. The action of &nbsp;any &nbsp;lawfully &nbsp;constituted &nbsp;authority in preventing or attempting to &nbsp;prevent &nbsp;any such act or in minimizing the consequences of any such act.</p>\n\n<p>SPECIAL CONDITIONS</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; For the purposes of this Endorsement but not otherwise there shall be substituted for the respectively numbered Conditions of the Policy the following:&nbsp;</p>\n\n<p>CONDITION 5.</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; (i) &nbsp;This insurance does not cover:</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;(a) Loss or earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;(b) Loss or damage resulting from total or partial cessation of work or the retarding or interruption or cessation of any process or operation.</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;(c) Loss or damage occasioned by permanent or temporary dispossession resulting from confiscation, commandeering or requisition by any lawfully constituted authority.</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;(d) Loss or damage occasioned by permanent or temporary dispossession of any building resulting from the unlawful occupation by any person of such building.</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;(e) Loss or damage directly or indirectly caused by or arising from or in consequence of or contributed to by nuclear weapons material.</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; PROVIDED nevertheless that the Company is not relieved under (c) or (d) above of any liability to the Insured in respect of physical damage to the property insured occurring before dispossession or during temporary dispossession.</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; (ii) This insurance does not cover loss or damage directly or indirectly caused by or arising from or in consequence of or contributed to by ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this Condition 5 (ii) only combustion shall include any self-sustaining process of nuclear fission.</p>\n\n<p>CONDITION 6.</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; This insurance does not cover any loss or damage occasioned by or through or in consequence, (directly or indirectly, of any of the following occurrences, namely:</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; (a) War, invasion, act of foreign enemy, hostilities or warlike operations whether war be declared or not), civil war.</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; (b) Mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, insurrection, rebellion, revolution, military or usurped power.</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; (c) Acts of terrorism committed by a person or persons acting on behalf of or in connection with any organization.</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; For the purpose of this endorsement an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; 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.</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; In any action, suit or other proceeding, where the Company alleges that by reason of the provision of this condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon the insured.</p>\n\n<p>CONDITION 7.</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; Unless otherwise expressly stated in the Policy this insurance does not cover:<br />\n&nbsp; &nbsp; &nbsp; &nbsp; (a) &nbsp;Goods held in trust or on commission.<br />\n&nbsp; &nbsp; &nbsp; &nbsp; (b) &nbsp;Bullion or unset precious stones.<br />\n&nbsp; &nbsp; &nbsp; &nbsp; (c) &nbsp;Any curiosity or work of art for an amount exceeding Php 200.00.<br />\n&nbsp; &nbsp; &nbsp; &nbsp; (d) &nbsp;Manuscripts, plans, drawings or designs, patterns, models or moulds.<br />\n&nbsp; &nbsp; &nbsp; &nbsp; (e) &nbsp;Securities, obligations, or documents of any kind, stamps, coined or paper money, cheques, books of account or other business books, computer systems records.<br />\n&nbsp; &nbsp; &nbsp; &nbsp; (f) &nbsp;Explosives.</p>\n\n<p>CONDITION 10.</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; This insurance may at any time be terminated by the Company on notice to that effect being given to the Insured, in which case the Company shall be liable to repay a ratable proportion of the premium for the unexpired term from the date of cancelment. If the insurance be terminated at the request of the Insured the Company shall not be liable to repay the premium or any part of it except in so far as the insurance applies to stocks in respect of which the Company shall retain a premium calculated according to its customary short period scale for the time the said insurance has been in force.</p>\n\n<p>CONDITION 17. (Where the Fire Policy is subject to Average)</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; If the property hereby insured shall at the breaking out of any fire or at the commencement of any destruction of or damage of such property by any other peril insured against by this Endorsement be collectively of greater value than the sum insured thereon, the Insured shall be considered as being his own insurer for the difference and shall bear a ratable share of the amount of loss accordingly. Every item if more than one, of the Policy shall be separately subject to this condition.</p>\n\n<p>CONDITION 27. (Where the Fire Policy is not subject to Average)</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; In all cases where any other subsisting insurance or insurances, effected by the Insured or by any other person or persons covering any of the property hereby insured, either exclusively or together with any other property in and subject to the same risk only, shall be subject to average, shall be subject to average, the insurance on such property under this Endorsement shall be subject to average in like manner, but in any event the Company shall not be liable to pay or contribute in respect of any loss or damaged beyond the proportion which the sum insured by this Endorsement shall bear to the total insurance, whether effected by the Insured or not, on the same property against ordinary fire loss.</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; Provided that it is hereby further expressly agreed and declared that:</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp;(1) &nbsp;All the Conditions of this Policy shall apply in all respects to the Insurance granted by this extension save in so far as the same are expressly varied by the above Special Conditions and any reference to fire in the Conditions of the Policy shall be deemed to include the perils hereby insured against.<br />\n&nbsp; &nbsp; &nbsp; &nbsp;(2) &nbsp;The Special Conditions herein apply hall only to the insurances declared by this extension and the Conditions of the policy shall apply respects to the insurance granted by the Policy as if this Endorsement and not been made thereon.</p>\n\n<p>MALICIOUS DAMAGE</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; In consideration of the payment of the aforementioned additional premium, it is hereby agreed and declared that the Insurance under the said Riot and Strike Endorsement shall extend to include MALICIOUS DAMAGE which for the purpose of this extension shall mean.</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; Loss or damage to the property insured directly caused by the malicious act of any person (whether or not such act is committed in the course of a disturbance of the public peace) not being an act amounting to or committed in connection with an occurrence mentioned in Special Condition No. 6 of the said Riot and Strike Endorsement.</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; But the Company shall not be liable under this extension for any loss or damage by fire or explosion nor for any loss or damage arising out of or in the course of burglary, housebreaking, theft or larceny or any attempt thereat or caused by any person taking part therein.</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; Provided always that all the Conditions and Provisions of the said Riot and Strike Endorsement shall apply to this extension as if they had been incorporated herein.</p>\n', '', 450, '', '2017-04-04 20:32:43', '2017-04-04 20:32:43', 169, 169),
(495, '1', 'COLCI', 'COLLAPSE CAUSED BY AN INSURED PERIL', '<p>This extension covers loss or damage collapse or any part thereof directly or indirectly caused by an insured peril.</p>\n', '', 450, '', '2017-04-04 20:33:50', '2017-04-04 20:33:50', 169, 169),
(496, '1', 'VAN', 'VANDALISM', '<p>IT IS HEREBY DECLARED AND AGREED that the Insurance under the Riot and Strikes Endorsement extends to include Malicious Damage and Vandalism which, for the purpose of this extension, shall mean:</p>\n\n<p>&nbsp; &nbsp; LOSS of, or DAMAGE to the property Insured directly caused by the Malicious Act or Vandalism of any&nbsp;<br />\n&nbsp; &nbsp; person (whether or not such act is committed in the course of a disturbance of the Public peace) not&nbsp;<br />\n&nbsp; &nbsp; being an act amounting to or committed in connection with an occurrence mentioned under Special&nbsp;<br />\n&nbsp; &nbsp; Condition No. 6 of the Riot and Strikes Endorsement.</p>\n\n<p>but the Company shall not be liable under this extension for any loss or damage by fire or explosion nor for any loss or damage arising out of or in the course of Burglary, Housebreaking, Theft or Larceny, or any attempted threat or caused by any person taking part therein.</p>\n\n<p>Provided always that all the Conditions and Provisions of the said Riot and Strikes Endorsement shall apply to the extension as if they had been incorporated.</p>\n', '', 450, '', '2017-04-04 20:34:37', '2017-04-04 20:34:37', 169, 169),
(497, '1', 'TOR', 'TORNADO', '<p>It is hereby declared and agreed that this policy is extended to cover loss of or damage to the property insured directly caused by &nbsp;tornado.</p>\n', '', 450, '', '2017-04-04 20:35:25', '2017-04-04 20:35:25', 169, 169),
(498, '1,7', 'MSINS', 'MONEY SECURITY INSURANCE', '<p>- Limit of Liability&nbsp;<br />\nMoney Inside Premises &nbsp; &nbsp;- as stated in the Policy Scheduled.<br />\nMoney Outside Premises &nbsp; - as stated in the Policy scheduled.</p>\n\n<p>Warranties and Clauses<br />\n----------------------</p>\n\n<p>1. Warranted that all monies are kept inside a locked safe after office hours.<br />\n2. Warranted all combinations of safes must be made known only to authorized employees. &nbsp;Should this authorized employee resigns, the combinations should be dissolved and &nbsp;immediately replace.<br />\n3. Warranted that the insured shall use only private and/or company operated vehicles.<br />\n4. Warranted all security measures during the cash transit are implemented at all times. &nbsp;&nbsp;<br />\n5. Warranted monitoring and control procedures are writters and followed.</p>\n', '', 450, '', '2017-04-04 20:42:20', '2017-04-04 20:42:20', 169, 169),
(499, '1', 'FBC', 'FIRE BRIGADE CLAUSE', '<p>The sums insured under this Policy extend to include charges raised by any local authority for the provision of fire fighting appliances called for the purpose of protecting the Premises, subject to a limit as stated in the Policy Schedule.&nbsp;</p>\n', '', 450, '', '2017-04-04 20:49:14', '2017-04-04 20:49:14', 169, 169),
(500, '2', '80/20', '80/20 CO-INSURANCE BASED ON THE CARGO VALUE IN RESPECT OF ROBBERY & HIJACKING', '<p>80/20 CO-INSURANCE BASED ON THE CARGO VALUE IN RESPECT OF ROBBERY &amp; HIJACKING</p>\n', '52', 450, '', '2017-04-04 22:39:17', '2017-05-18 15:17:43', 169, 71),
(501, '1', 'TRIC', 'TEMPORARY REMOVAL INCLUDING STOCK', '<p>Subject to the following provisions, the property insured by this Policy (including stock in trade or merchandise if insured hereby) is covered whilst temporarily removed for cleaning, renovation, repair or other similar purposes, elsewhere on the same Premises or to any other premises and in transit thereto and therefrom by road, rail or inland waterway in the Philippines.</p>\n\n<p>The amount recoverable under this Extension in respect of each item of the Policy shall not exceed the amount which would have been recoverable had the loss occurred in that part of the Premises from which the property is temporarily removed.</p>\n\n<p>This extension does not &nbsp;apply to property if and so far as it is otherwise insured nor, as regards to losses occurring elsewhere than at the Premises from which the property is temporarily removed to.<br />\na) Motor Vehicles and Motor Chassis licensed for normal road use;<br />\nb) Propety held by the Insured in the trust, other than machinery and plant.</p>\n\n<p>It is further agreed that this Policy is extended to cover direct loss by removal from the described Premises endangered by the perils insured against, on pro-rata for ten (10) days at each proper place to which the property covered shall necessarily be removed for preservation from the perils Insured against.</p>\n', '', 450, '', '2017-04-05 00:13:00', '2017-04-05 00:13:00', 169, 169),
(502, '1,6', 'WTEE', 'WAR AND TERRORISM EXCLUSION ENDORSEMENT', '<p>Notwithstanding any provision to the contrary within this insurance or any endorsements thereto it is agreed that his insurance excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss:</p>\n\n<p>(1) war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power, or&nbsp;</p>\n\n<p>(2) any act of terrorism.</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp;For the purpose of this endorsement an act of terrorism mean an act, including but not limited to the used of &nbsp;force or violence and/or the threat, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government 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.</p>\n\n<p>This endorsement also excluded loss, damage, cost or expense of whatsoever nature directly or indirectly caused by resulting from or &nbsp;in connection With any action taken in controlling, preventing, suppressing or in any way relating to (1) and/or (2) above.</p>\n\n<p>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.</p>\n\n<p>In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and effect.&nbsp;</p>\n', '66', 450, '', '2017-04-05 00:41:39', '2018-04-11 13:47:12', 0, 69),
(503, '2', 'LOS-PAY', 'LOSS IF ANY, PAYABLE', '<p>LOSS IF ANY, PAYABLE</p>\n', '', 450, '', '2017-04-05 00:49:11', '2017-04-05 00:49:39', 0, 0),
(504, '1', 'AVE-RE-CL', 'AVERAGE RELIEF CLAUSE', '<p>It is hereby declared and agreed that in the event of a loss, no average clause shall apply to the property insured under this policy should the sum insured represent an underinsurance of not more than the percentage Stated in the Policy Schedule. However, for the special percentage Stated in the Policy Schedule provision the Condition of Average would have applied the insured shall pay to the ALLIEDBANKERS INSURANCE CORPORATION&nbsp;an additional premium based on the difference between the actual value at the time of the loss and the actual sum insured from the time of the loss to the expiry of the policy period. This special condition shall apply after the application of Automatic Increase and/or Capital Additions Clause, if required.</p>\n', '', 396, '', '2017-04-05 02:03:34', '2017-04-05 03:09:49', 194, 194),
(505, '1', 'ROB-BUR', 'ROBBERY & BURGLARY ENDORSEMENT', '<p>It is hereby declared and agreed that the insurance under this policy extends to cover loss or damage as the result of Burglary &amp;/or Robbery as defined herein:-<br />\n<br />\nBURGLARY as herein used shall mean the felonious abstraction of the Insured&#39;s property following upon violent and forcible entry or followed by violent and forcible exit from the premises or any attempt there at:<br />\n<br />\nROBBERY herein used shall mean an act by any person who, with intent to gain, takes any personal property hereby Insured, by means of violence against or intimidation of any person, using forced upon things and subject to the following conditions:<br />\n&nbsp;<br />\n1. &nbsp;All sums which may from time to time be paid as or by way of compensation for loss or damage under this endorsement in any one year of insurance for or in respect of each or any one description of property or any one specially described and valued article lost or damaged shall unless reinstated by endorsement with the consent of the company and additional premium paid be accounted in diminution of the sum insured thereon, so that in case of subsequent loss or damage during the same year or insurance the amount payable by the company shall not in any event exceed the sum insured in respect thereof nor altogether the total sum insured by this endorsement.<br />\n&nbsp;<br />\n2. &nbsp;This endorsement shall not extend to nor cover:<br />\n&nbsp; &nbsp; &nbsp;A. &nbsp;Loss or damage due to any robbery or theft or to any attempt thereat by or in collusion with any of the insured&#39;s family business staff or domestic servants or any person lawfully on the premises.<br />\n&nbsp; &nbsp; &nbsp;B. &nbsp;Loss or damage by any person, due to theft not following upon violent and forcible entry nor followed by violent and forcible exit from the premises occupied by the insured defined above.<br />\n&nbsp; &nbsp; &nbsp;C. &nbsp;Loss or damage arising from any consequence of flood, typhoon, hurricane, windstorm, volcanic eruption, subterranean fire, earthquake or other convulsion of nature, war invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, mutiny, revolution, insurrection or military or unsurped power, riots or strikes, military or popular rising, or loot, sack or pillage in connection therewith.<br />\n&nbsp; &nbsp; &nbsp;D. &nbsp;Loss or damage upon the occasion of or consequent upon fire or explosion or loss or damage which can be insured against by a fire or plate glass insurance policy.<br />\n&nbsp; &nbsp; &nbsp;E. &nbsp;Loss or damage to deeds, bonds, bills or exchange, promissory notes, money or securities for money, stamps or coin collections, plans patterns, models, moulds, designs, documents of title to property, contracts or other documents books or manuscripts unless the same be specifically insured hereunder.<br />\n&nbsp;<br />\n3. &nbsp;This documents shall cease to be in force if the premises referred to in the schedule of this policy be left uninhabited by days and nights or for a period or periods exceeding in the whole ten days or nights in any period of insurance.<br />\n&nbsp;<br />\n4. &nbsp;Upon the happening of any event giving rise or likely to give rise to a claim under this endorsement.<br />\n&nbsp; &nbsp; &nbsp; A. &nbsp;The insured shall so soon as is practicable give notice thereof in writing to the company stating the circumstances of the case and shall within fourteen days after loss or damage shall have come to his knowledge or within such further time as the company may allow in that behalf deliver to the company a claim in writing with an estimate of the intrinsic value of each article lost and the amount of damage sustained.&nbsp;<br />\n&nbsp; &nbsp; &nbsp; B. &nbsp;The insured shall furnish to the company all such particulars and evidence documentary or otherwise and execute and do all such acts and things as the company may reasonably require to substantiate the claim to discover and punish the guilty person to trace and recover the property lost and to recoup to the company so far as may be possible in respect of any amount the policy shall pay under this endorsement. The company shall bear the expense of all such particular evidence, acts and things as they may require with the above object or any of such particular evidence, acts and things as they may require with the above objects or any of them other than those required to substantiate the claim.<br />\n&nbsp;<br />\n5. &nbsp;The company may reinstate, repair or replace the property or premises lost or damaged as the case maybe instead paying the amount of the loss or damage and/or join with any other insurers in so doing in cases where the property is also insured elsewhere. &nbsp;Any lost property paid for under this endorsement shall belong to the company.<br />\n<br />\n6. &nbsp;If at the time of the happening of any loss or damage covered under this endorsement there shall be subsisting any other insurance of any nature whatsoever covering the same whether effected by the insured or not, then the company shall not be liable to pay or contribute more than its ratable proportion of such loss or damage. &nbsp; &nbsp; &nbsp;<br />\n<br />\n7. &nbsp;Nothing contained herein shall give any right against the company to any persons other than the insured his executors or administrators and the company will not be bound by any passing of the interest of the insured otherwise than by death unless and until the company shall endorse hereon declare the insurance to be continued.<br />\n<br />\n8. &nbsp;The company shall at any time by giving notice in writing to the insured by registered letter at his address as last known to the company be at liberty to determine and cancel this endorsement from the date of such notice and the company shall in that event return to the insured a proportionate part of the premium corresponding to the unexpired term of policy by like notice to the company. &nbsp;The insured may at any time determine and cancel this endorsement in which case the company will retain the customary short period rate for the time this endorsement has been in force.<br />\n<br />\n9. &nbsp;If at the time of the happening of any loss or damage the total value of the property insured under this endorsement or by each item thereof if more than one does not exceed the sum insured thereon this insurance shall be declared free of average: &nbsp;but if the amount insured be less than such total value the insured be considered as being his own insurer for the difference between the sum insured and the total value of the property insured under the endorsement or by each item thereof as from the case may be and shall bear a ratable share of the loss accordingly.<br />\n<br />\n10. &nbsp;If any claim be made by or on behalf of the insured shall be in any respect unfounded or fraudulent or intentionally exaggerated or if any false declaration or statement shall be made in support of any claim. &nbsp;The company shall not be liable to make any payment whatsoever under this endorsement.<br />\n<br />\n11. &nbsp;The insured shall take all due precautions for the safety of the property insured as regard selection and supervision of employees securing with all existing protective devices all doors and windows and other means of entrance and otherwise and shall not do suffer or permit anything whereby the risk of the company shall be increased and this endorsement shall cease to be in force so far as regard any of the property or articles thereby insured if the insured shall make any change or alteration in the premises on the particulars and information set forth in the proposal to insure are no longer correct statements of the facts. &nbsp;</p>\n', '', 397, '', '2017-04-05 02:57:59', '2019-10-09 13:27:02', 194, 194),
(506, '1', 'ALT-ACC', 'ALTERNATIVE ACCOMODATION', '<p>If a compensable loss resulting from any of the perils covered renders the insured property uninhabitable, the ALLIEDBANKERS INSURANCE CORPORATION&nbsp;will provide the ASSURED as alternative accommodation expense. Compensation provided is limited only to the cost of rent for ASSURED&#39;S temporary shelter and in no case shall exceed the amount and number of days as specified.&nbsp;</p>\n', '', 300, '', '2017-04-05 03:04:38', '2017-04-05 03:04:38', 194, 194),
(508, '3', 'CVDDC', 'COMMERCIAL VEHICLE DEPRECIATION & DEDUCTIBLE CLAUSE', '<p>COMMERCIAL VEHICLE</p>\n\n<p><u><strong>Depreciation (Contribution of the Insured on any Claim) Clause</strong></u></p>\n\n<p><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>Age of Vehicle &nbsp;&nbsp;&nbsp;&nbsp;&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;(Share of the Insured)<br />\nUp to 3 years&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;NIL<br />\nOver 3 years up to 4 years&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 25%<br />\nOver 4 years up to 5 years&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 30%<br />\nOver 5 years up to 6 years&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 35%<br />\nOver 6 years up to 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;&nbsp;&nbsp;&nbsp;&nbsp;40%<br />\nOver 7 years&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 45%&nbsp;<br />\nRebuilt and Reconditioned Vehicles&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 50%<br />\nBatteries, Tires, Ball Joints<br />\nTie Rods, Shock Absorbers&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.</p>\n', '', 450, '', '2017-04-05 19:36:51', '2020-05-19 16:59:35', 169, 195),
(509, '1', 'OTW', 'OVERGROUND TANK WARRANTY (FOR OVERGROUND TANKS ONLY)', '<p>Warranted that the storage tank installation or installations are of steel with all roof openings made gastight and with adequate vents.&nbsp;</p>\n', '', 450, '', '2017-04-05 20:51:17', '2017-04-05 20:51:17', 0, 0),
(510, '3', 'AON', 'ACTS OF NATURE', '<p>ATTACHED TO AND FORMING PART OF POLICY NO. &nbsp;...........................................................................................................................................................................<br />\nTHIS ENDORSEMENT IS EFFECTIVE .....................................................................................</p>\n\n<p>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; PERILS COVER FOR EARTHQUAKE, TYPHOON, FLOOD, HURRICANE, VOLCANIC ERUPTION &amp; OTHER CONVULSION OF NATURE</p>\n\n<p>A. In consideration of the payment by the Insured to the Company of an additional premium and subject to the conditions under this endorsement &nbsp;as well as the terms and conditions of Section III - Loss od Damage Items 2 to 7 of the Motor Car Policy , the Company will indemnify the Insured against direct loss or damage to the Scheduled Vehicle, its accessories and spare parts caused by the perils Earthquake, Typhoon, Flood, Hurricane, Volcanic Eruption and the other Convulsions of Nature.</p>\n\n<p>B. Definitions:<br />\n1. Earthquake refers to a weak to violent trembling of the ground produced by a sudden displacement of rocks or rock materials below the erath&#39;s surface as recorded by Philippine Institute of Volcanology and Seismology.<br />\n2. The term &quot;TYPHOON&quot; &nbsp;as used in this endorsement shall be understood to mean a Typhoon or Storm as recorded by the Weather Bureau.<br />\n3. The term &quot;FLOOD&quot; is defined as the entry of water into the Insured Vehicle form without or the submersion of the Insured Vehicle, due to the inundation of land not usually covered by water. (a.) by reason of an extraordinary high tide or (b.) following Typhoon or (c.) overflowing of rivers, dams and/or waterways following a Typhoon. &nbsp; &nbsp; &nbsp;&nbsp;<br />\n4. Volcanic eruption cover shall be specified only as losses arising from lava flow, pyro plastic ejects, glowing clouds and ash fall caused by an eruption of a volcano recorded by Philippine Institute of Volcanology and Seismology.<br />\n5. Hurricane refers to a tropical cyclone with winds of 74 miles (119 kilometrs) per hour aor greater that is usually accompanied by rain, thunder and lightning, and that sometimes moves into temperate latitudes.</p>\n\n<p>C. Deductible:<br />\nA minimum deductible of Php5,000.00 or &nbsp;5% of the sum insured of the property affected at the time of loss.</p>\n', '', 450, '', '2017-04-05 20:59:32', '2017-09-25 11:41:29', 169, 69),
(511, '3', 'BCERT', 'BANK CERTIFICATION', '<p>BANK CERTIFICATION</p>\n', '', 450, '', '2017-04-05 22:15:12', '2017-04-05 22:15:12', 169, 169),
(512, '3', 'ATCL', 'AIR TRANSPORT CLAUSE', '<p>AIR TRANSPORT CLAUSE</p>\n', '', 450, '', '2017-04-05 22:16:07', '2017-04-05 22:16:07', 169, 169),
(513, '2,3,19', 'ATWA', 'ALLOWED TERRITORY WARRANTY', '<p>ALLOWED TERRITORY WARRANTY</p>\n', '', 450, '', '2017-04-05 22:17:26', '2017-07-04 16:32:19', 169, 169),
(514, '2,3', 'DEDM', 'DEDUCTIBLE: 1% OF SUM INSURED. MINIMUM OF P20,000.00 FOR EACH & EVERY LOSS', '<p>DEDUCTIBLE: 1% OF SUM INSURED. MINIMUM OF P20,000.00 FOR EACH &amp; EVERY LOSS</p>\n', '', 450, '', '2017-04-05 22:34:17', '2017-07-04 16:35:13', 169, 169),
(515, '3', 'CCWCF', 'CIVIL CODE 1250 WAIVER CLAUSE/FIFTEEN (15) DAYS CLAUSE', '<p>CIVIL CODE 1250 WAIVER CLAUSE/FIFTEEN (15) DAYS CLAUSE</p>\n', '', 450, '', '2017-04-05 22:38:31', '2017-04-05 22:38:31', 169, 169),
(516, '3', 'SFMC', 'SPECIAL FROZEN MEAT CLAUSES', '<p>SPECIAL FROZEN MEAT CLAUSES</p>\n', '', 450, '', '2017-04-05 22:41:58', '2017-04-05 22:41:58', 169, 169),
(517, '3', 'CPDCD', 'CLAIMS IF ANY,PAYABLE AT DESTINATION IN THE CURRENCY OF DRAFT IRRESPECTIVE OF %', '<p>CLAIMS IF ANY,PAYABLE AT DESTINATION IN THE CURRENCY OF DRAFT IRRESPECTIVE OF %</p>\n', '', 450, '', '2017-04-05 22:43:07', '2017-04-05 22:43:07', 169, 169),
(518, '3', 'ECLR', 'EXCLUDING RUSTING, OXIDATION, DISCOLORATION,ELEC. & MECL. DERANGEMENT OR BREAKDOWN', '<p>EXCLUDING RUSTING, OXIDATION, DISCOLORATION,ELEC. &amp; MECL. DERANGEMENT OR BREAKDOWN</p>\n', '', 450, '', '2017-04-05 23:04:40', '2017-04-05 23:04:40', 169, 169),
(519, '3', 'F9117', 'HO-FI-9117', '<p>HO-FI-9117</p>\n', '', 450, '', '2017-04-05 23:06:51', '2017-04-05 23:06:51', 169, 169),
(520, '3', 'FLDIS', 'SUBJECT TO FLEET DISCOUNT', '<p>SUBJECT TO FLEET DISCOUNT</p>\n', '', 450, '', '2017-04-05 23:08:22', '2017-09-25 11:41:08', 169, 69),
(521, '3', 'IBCVR', '70%/30% C0-INSURANCE BASED ON CARGO VALUE IN RESPECT OF ROBBERY AND HI-JACKING', '<p>70%/30% C0-INSURANCE BASED ON CARGO VALUE IN RESPECT OF ROBBERY AND HI-JACKING</p>\n', '', 450, '', '2017-04-05 23:09:12', '2017-04-05 23:09:12', 169, 169),
(522, '3', 'IBOC', 'INSTITUTE BULK OIL CLAUSES 1/2/83', '<p>INSTITUTE BULK OIL CLAUSES 1/2/83</p>\n', '', 450, '', '2017-04-05 23:12:56', '2017-04-05 23:12:56', 169, 169),
(523, '3', 'IBONC', '80%/20% CO-INSURANCE BASED ON THE CARGO VALUE IN RESPECT OF ROBBERY & HI-JACKING', '<p>80%/20% CO-INSURANCE BASED ON THE CARGO VALUE IN RESPECT OF ROBBERY &amp; HI-JACKING</p>\n', '', 450, '', '2017-04-05 23:13:42', '2017-04-05 23:13:42', 169, 169),
(524, '3', 'NRDOC', 'NO REFUND PREMIUM ON DOCUMENTARY STAMP', '<p>Effective October 1, 2001, the Bureau of Internal Revenue under Revenue Regulations Number 15-2001, has implemented the use of &quot;ON-LINE ELECTRONIC DOCUMENTARY STAMPS TAX (DST)&quot;, among insurance companies.</p><p>In view of the above, the Documentary Stamp Tax (DST) becomes immediately due once a policy is issued in effect, when a policy is cancelled, the liability for DST still exists and the same should be chargeable to the Insured.</p>', '14,20,17,18,19,21', 450, '', '2017-04-05 23:14:21', '2017-06-19 14:46:40', 169, 169),
(525, '3', 'IFFCE', 'INSTITUTE FROZEN FOOD CLAUSES (A) (EXCLUDING FROZEN MEET)', '<p>INSTITUTE FROZEN FOOD CLAUSES (A) (EXCLUDING FROZEN MEET)</p>\n', '', 450, '', '2017-04-05 23:14:59', '2017-04-05 23:14:59', 169, 169),
(526, '1', 'BRO-WAT-DMG10', 'BROAD WATER DAMAGE ENDORSEMENT (WITH BOWTAP)', '<p>It is hereby declared and agreed that notwithstanding anything contained herein to the contrary, the insurance under this policy is extended toinclude loss or damage caused by:</p>\n\n<p>1. Accidental discharge, leakage or overflow of water/steam from plumbing, septic tanks, headling systems, elevated and/or underground tanks and cylinders, bursting or overflowing of water tanks, apparatus or pipes, standpipes for fire hose, domestic appliances, refrigerating system, air-conditioning systems and rain admitted directly to the interior of the building through defective roots, leaders of spouting or any open or defective windows, show windows, doors, transoms, ventilations of skylights.<br />\n2. Breakage of or leakage from street water supply mains or fire hydrants; and<br />\n3. Accidental discharge or leakage of refrigerants from air-conditioning or refrigeration systems.</p>\n\n<p>PROVIDED THAT;<br />\na. The insured undertakes to exercise all ordinary and reasonable precautions for the maintenance and safety of the property;<br />\nb. The Insured shall bear a minimum deductible of P10,000.00 as stated in the schedule, for each and every claim under this endorsement in addition to other deductible that may be applicable under the policy;<br />\nc. All conditions of this policy shall apply, except in so far as they may be hereby expressly varied and that reference to loss or damage by fire shall be deemed to apply also to loss or damage as aforementioned: and<br />\nd. The liability of the company under this endorsement shall in no case exceed the sum insured by each item of the policy.<br />\ne. This endorsement does not cover the following;<br />\n&nbsp;&nbsp;&nbsp;&nbsp;i. &nbsp;Damage to plumbing, septic tanks, heating systems, elevated and/or underground tanks and cylinders, standpipes for fire hose, industrial and&nbsp;&nbsp;domestic appliances, refrigerating system, air-conditioning system from which the accidental discharge, leakage or overflow of water/steam emanated.<br />\n&nbsp;&nbsp;&nbsp;&nbsp;ii. Loss or damage by water discharge or leading from any automatic sprinkler installation within the described buildings.</p>\n', '', 302, '', '2017-04-05 23:27:47', '2019-10-08 17:20:23', 194, 194),
(527, '3', 'IMPP', 'IMPORTED CPARTS ENDORSEMENT', '<p>IMPORTED CPARTS ENDORSEMENT</p>\n', '', 450, '', '2017-04-05 23:55:03', '2017-04-05 23:55:03', 169, 169),
(528, '3,18', 'INCT', 'INCLUDING TERRORISM', '<p>INCLUDING TERRORISM</p>\n', '', 450, '', '2017-04-05 23:55:48', '2017-04-05 23:55:48', 169, 169),
(529, '3', 'INDED', 'SUBJECT TO INCREASE OF DEDUCTIBLES', '<p>SUBJECT TO INCREASE OF DEDUCTIBLES</p>\n', '', 450, '', '2017-04-05 23:56:45', '2017-04-05 23:56:45', 169, 169),
(530, '3', 'ISBUL', 'INSTITUTE STRIKES CLAUSES(BULK OIL) 1/2/83', '<p>INSTITUTE STRIKES CLAUSES(BULK OIL) 1/2/83</p>\n', '', 450, '', '2017-04-06 00:09:15', '2017-04-06 00:09:15', 169, 169),
(531, '2,3', 'ISCA', 'INSTITUTE STRIKES CLAUSES (AIR CARGO) 01/01/82', '<p>INSTITUTE STRIKES CLAUSES (AIR CARGO) 01/01/82</p>\n', '', 450, '', '2017-04-06 00:42:51', '2017-06-07 10:23:36', 169, 169),
(532, '3', 'ITPND', 'INSTITUTE THEFT,PILFERAGE & NON-DELIVERY (INSURED VALUE) CL', '<p>INSTITUTE THEFT,PILFERAGE &amp; NON-DELIVERY (INSURED VALUE) CL</p>\n', '', 450, '', '2017-04-06 00:44:29', '2017-04-06 00:44:29', 169, 169),
(533, '2', 'IWAR', 'INSTITUTE STRIKES CLAUSES (CARGO) 01/01/82 /INSTITUTE WAR CLAUSES(CARGO)01/01/82', '<p>INSTITUTE STRIKES CLAUSES (CARGO) 01/01/82 /INSTITUTE WAR CLAUSES(CARGO)01/01/82</p>\n', '52,53,71,72,73,79,80,85', 450, '', '2017-04-06 01:17:43', '2017-04-25 15:10:45', 169, 169),
(534, '3', 'LRCL', 'LOSS RATIO CLAUSE', '<p>LOSS RATIO CLAUSE</p>\n', '', 450, '', '2017-04-06 01:23:18', '2017-04-06 01:23:18', 169, 169),
(535, '3', 'AONE', 'ACTS OF NATURE(ENDT)', '<p>ATTACHED TO AND FORMING PART OF POLICY NO. &nbsp;</p>\n\n<p>THIS ENDORSEMENT IS EFFECTIVE&nbsp;</p>\n\n<p><br />\nPERILS COVER FOR EARTHQUAKE, TYPHOON, FLOOD, HURRICANE, VOLCANIC ERUPTION &amp; OTHER CONVULSION OF NATURE</p>\n\n<p>A. In consideration of the payment by the Insured to the Company of an additional premium and subject to the conditions under this endorsement &nbsp;as well as the terms and conditions of Section III - Loss or Damage Items 2 to 7 of the Motor Car Policy , the Company will indemnify the Insured against direct loss or damage to the Scheduled Vehicle, its accessories and spare parts caused by the perils Earthquake, Typhoon, Flood, Hurricane, Volcanic Eruption and the other Convulsions of Nature.</p>\n\n<p>B. Definitions:<br />\n1. Earthquake refers to a weak to violent trembling of the ground produced by a sudden displacement of rocks or rock materials below the earth&#39;s surface as recorded by Philippine Institute of Volcanology and Seismology.<br />\n2. The term &quot;TYPHOON&quot; &nbsp;as used in this endorsement shall be understood to mean a Typhoon or Storm as recorded by the Weather Bureau.<br />\n3. The term &quot;FLOOD&quot; is defined as the entry of water into the Insured Vehicle form without or the submersion of the Insured Vehicle, due to the inundation of land not usually covered by water. (a.) by reason of an extraordinary high tide or (b.) following Typhoon or (c.) overflowing of rivers, dams and/or waterways following a Typhoon. &nbsp; &nbsp; &nbsp;&nbsp;<br />\n4. Volcanic eruption cover shall be specified only as losses arising from lava flow, pyro plastic ejects, glowing clouds and ash fall caused by an eruption of a volcano recorded by Philippine Institute of Volcanology and Seismology.<br />\n5. Hurricane refers to a tropical cyclone with winds of 74 miles (119 kilometers) per hour or greater that is usually accompanied by rain, thunder and lightning, and that sometimes moves into temperate latitudes.</p>\n\n<p>C. Deductible:</p>\n\n<p>PRIVATE CAR - 0.5% of the sum insured with a minimum deductible of Php2,000.00 whichever is higher.</p>\n\n<p>COMMERCIAL VEHICLE - 1.0% of the sum insured with a minimum deductible of Php3,000.00 whichever is&nbsp;</p>\n', '16,15,20,19,21,26,74', 450, '', '2017-04-06 02:17:49', '2020-06-10 11:05:24', 169, 202),
(536, '3', 'NRDOC', 'NO REFUND PREMIUM ON DOCUMENTARY STAMP', '<p>Effective October 1, 2001, the Bureau of Internal Revenue under Revenue Regulations Number 15-2001, has implemented the use of &quot;ON-LINE ELECTRONIC DOCUMENTARY STAMPS TAX (DST)&quot;, among insurance companies.</p>\n\n<p>In view of the above, the Documentary Stamp Tax (DST) becomes immediately due once a policy is issued in effect, when a policy is cancelled, the liability for DST still exists and the same should be chargeable to the Insured.</p>\n', '', 450, '', '2017-04-06 02:18:46', '2017-09-25 11:40:46', 169, 69),
(537, '3', 'MVAL', 'Subj. to Motor Veh. Acces. Limit stated Above', '<p>Subj. to Motor Veh. Acces. Limit stated Above</p>\n', '20,17,18,19,21', 450, '', '2017-04-06 02:19:29', '2017-06-19 14:38:04', 169, 169),
(539, '3', 'STEE', 'TERRORISM EXCLUSION CLAUSE', '<p>Notwithstanding any provision to the contrary within this insurance or any endorsement thereto it is agreed that this insurance excludes loss, damage, cost or expense of whatsoever nature directly or indirectly cause 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.</p>\n\n<p>For the purpose of this endorsement act of terrorism means an act, including but not limited to the use of force or violence and/or the thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.</p>\n\n<p>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.</p>\n\n<p>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.</p>\n\n<p>In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and effect.</p>\n', '', 450, '', '2017-04-06 02:24:57', '2017-09-25 11:42:00', 169, 69),
(540, '3', 'PCDDC', 'PRIVATE CAR DEPRECIATION & DEDUCTIBLE CLAUSE', '<p><br />\nPRIVATE CAR</p>\n\n<p>Depreciation (Contribution of the Insured on any Claim) Clause</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:</p>\n\n<p>Age of Vehicle &nbsp;&nbsp;&nbsp;&nbsp;&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;(Share of the Insured)<br />\nUp to 3 years&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;NIL<br />\nOver 3 years up to 4 years&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 20%<br />\nOver 4 years up to 5 years&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 25%<br />\nOver 5 years up to 6 years&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 30%<br />\nOver 6 years up to 7 years&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 35%<br />\nOver 7 years&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 40%&nbsp;<br />\nBatteries, Tires, Ball Joints<br />\nTie Rods, Shock Absorbers&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;45%&nbsp; &nbsp; &nbsp; &nbsp;&nbsp;</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.</p>\n\n<p>Deductible Clause&nbsp;</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 1/2 percent(0.5%) of the Insured&#39;s estimate of Fair Market Value as shown in the Policy Schedule with a minimum deductible amount of PHP 2,000.00 of each and every loss for each and every vehicle insured by this policy.</p>\n\n<p><br />\nALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNALTERED. &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;</p>\n', '16,15,20,21,74', 450, '', '2017-04-06 02:27:03', '2020-12-28 14:50:22', 169, 228);
