-- Table structure for table `mstfirepropertytype`
--

CREATE TABLE IF NOT EXISTS `mstfirepropertytype` (
  `code` bigint(20) NOT NULL AUTO_INCREMENT,
  `short_name` varchar(50) COLLATE latin1_general_cs NOT NULL,
  `property_type_name` varchar(150) COLLATE latin1_general_cs NOT NULL,
  `description` mediumtext COLLATE latin1_general_cs NOT NULL,
  `is_active` tinyint(4) NOT NULL,
  `remarks` varchar(500) COLLATE latin1_general_cs NOT NULL,
  `created_at` datetime NOT NULL,
  `updated_at` datetime NOT NULL,
  `created_user_mst_code` bigint(20) NOT NULL,
  `updated_user_mst_code` bigint(20) NOT NULL,
  PRIMARY KEY (`code`)
) ENGINE=InnoDB  DEFAULT CHARSET=latin1 COLLATE=latin1_general_cs AUTO_INCREMENT=30 ;

--
-- Dumping data for table `mstfirepropertytype`
--

INSERT INTO `mstfirepropertytype` (`code`, `short_name`, `property_type_name`, `description`, `is_active`, `remarks`, `created_at`, `updated_at`, `created_user_mst_code`, `updated_user_mst_code`) VALUES
(1, 'CON', 'CONTENTS', '', 1, 'C', '2015-06-19 13:58:38', '2017-07-18 10:43:20', 6, 195),
(2, 'MACH', 'MACHINERIES', '', 1, 'C', '2015-06-19 13:58:54', '2017-07-18 10:43:31', 6, 195),
(3, 'STCKS', 'STOCKS', '', 1, 'C', '2015-06-19 13:59:11', '2017-07-18 10:43:42', 6, 195),
(4, 'BLDG', 'BUILDING', 'On the BUILDING only (excl. foundation).', 1, 'B', '2015-06-19 13:59:29', '2017-09-22 11:57:55', 6, 69),
(5, 'EQPT', 'EQUIPMENTS', '', 1, 'C', '2015-06-19 13:59:47', '2017-07-18 10:44:12', 6, 195),
(6, 'OTHR', 'SWIMMING POOL/TANKS/FOUNDATION', '', 1, 'B', '2015-06-19 14:00:04', '2017-07-18 11:01:02', 6, 195),
(7, 'HOUCON', 'HOUSEHOLD CONTENT', '', 1, 'C', '2017-04-03 01:42:39', '2017-07-18 10:44:33', 169, 195),
(8, 'WARE', 'WAREHOUSE', '', 1, 'B', '2017-04-05 02:11:12', '2017-12-26 15:15:36', 169, 202),
(9, 'ACC-BUI', 'ACCESSORY BUILDING', '', 1, 'Not to be used', '2017-04-09 22:42:09', '2017-09-22 11:57:34', 169, 69),
(10, 'PER-FEN', 'PERIMETER FENCE', '', 1, 'B', '2017-04-09 22:42:30', '2017-07-18 10:48:53', 169, 195),
(11, 'GUA-HOU', 'GUARD HOUSE', '', 1, 'B', '2017-04-09 22:42:52', '2017-07-18 10:49:11', 169, 195),
(12, 'MAC-EQU', 'MACHINERIES/EQUIPMENTS', '', 1, 'C', '2017-04-10 01:44:06', '2017-07-18 10:49:34', 169, 195),
(13, 'CON-ME', 'CONTENTS MACHINERY/EQUIPMENTS', '', 1, 'C', '2017-04-10 02:10:04', '2017-07-18 10:49:48', 169, 195),
(14, 'BUI-M', 'BLDG/MACH/STCK/EQUIP/CONT', 'On the BUILDINGS only (excl. foundation), Machineries and Equipments including Stocks in Trade and Contents.', 1, 'B', '2017-04-10 18:12:32', '2017-09-22 11:58:10', 169, 69),
(15, 'BUI-IMP', 'BUILDING IMPROVEMENTS', '', 1, 'B', '2017-04-24 10:03:25', '2017-07-18 10:51:06', 169, 195),
(16, 'FFF', 'HOUSEHOLD FURNITURES,FIXTURES & FITTINGS', '', 1, 'C', '2017-05-04 14:45:13', '2017-07-18 10:51:41', 169, 195),
(17, 'BLDG_IMPVTS', 'BUILDING AND IMPROVEMENTS', '', 1, 'B', '2017-05-05 14:11:38', '2017-07-18 10:52:00', 71, 195),
(18, 'OFFF', 'OFFICE FURNITURES, FIXTURES AND FITTINGS', '', 1, 'C', '2017-05-08 16:50:09', '2017-07-18 10:52:15', 169, 195),
(19, 'GENER', 'GENERATOR', '', 1, 'C', '2017-05-19 14:28:27', '2017-07-18 11:01:35', 169, 195),
(20, 'BUI-CON', 'BUILDING AND CONTENTS', '', 1, 'B', '2017-05-25 09:38:34', '2017-07-18 11:01:43', 169, 195),
(21, 'CON-STO', 'CONTENTS-STOCKS', '', 1, 'C', '2017-05-31 14:22:50', '2017-07-18 11:02:01', 169, 195),
(22, 'SIGN', 'SIGNAGE', '', 1, 'C', '2017-06-19 15:34:22', '2017-07-18 11:02:20', 202, 195),
(24, 'BLDG-1', 'PORTION OF THE BUILDING', 'PORTION of the BUILDING only.', 1, 'B', '2017-09-22 11:58:57', '2017-12-26 15:24:50', 69, 202),
(25, 'OFFEQ', 'OFFICE FURNITURES, FIXTURES, FITTINGS AND EQUIPMENTS', 'OFFICE FURNITURES, FIXTURES, FITTINGS AND EQUIPMENTS', 1, 'C', '2017-12-18 09:39:58', '2017-12-26 15:24:36', 69, 202),
(26, 'LOSS-OF-RENT', 'LOSS OF RENT/INCOME', 'LOSS OF RENT/INCOME', 1, 'INTERRUPTION', '2017-12-26 15:14:29', '2017-12-26 15:25:33', 202, 202),
(27, 'LEASEHOLDIMPVT', 'LEASEHOLD IMPROVEMENTS', 'LEASEHOLD IMPROVEMENTS', 1, 'B', '2018-02-08 15:33:21', '2018-02-08 15:34:34', 71, 71),
(28, 'BETIMP', 'BETTERMENTS AND IMPROVEMENTS', 'BETTERMENTS AND IMPROVEMENTS', 1, 'B', '2018-04-26 14:41:12', '2018-04-26 14:41:37', 71, 71),
(29, 'LAND-PROP', 'LAND IMPROVEMENTS', 'LAND IMPROVEMENTS', 1, 'B', '2018-09-26 16:06:26', '2018-09-26 16:06:26', 202, 202);

-- --------------------------------------------------------

--
-- Table structure for table `mstfiretariffs`
--

CREATE TABLE IF NOT EXISTS `mstfiretariffs` (
  `code` bigint(20) NOT NULL AUTO_INCREMENT,
  `tariff_code` varchar(100) COLLATE latin1_general_cs NOT NULL,
  `tariff_name` varchar(150) COLLATE latin1_general_cs NOT NULL,
  `subline_mst_code` bigint(20) NOT NULL COMMENT 'Occupancy',
  `tariff_rate` double NOT NULL,
  `table_retention_limits_mst_code` bigint(20) NOT NULL,
  `type` tinyint(1) NOT NULL COMMENT '1 - Basic ; 2 - Allied',
  `description` varchar(200) COLLATE latin1_general_cs NOT NULL,
  `remarks` varchar(500) COLLATE latin1_general_cs NOT NULL,
  `created_at` datetime NOT NULL,
  `updated_at` datetime NOT NULL,
  `created_user_mst_code` bigint(20) NOT NULL,
  `updated_user_mst_code` bigint(20) NOT NULL,
  PRIMARY KEY (`code`),
  KEY `subline_mst_code` (`subline_mst_code`),
  KEY `tarifflookupsearch` (`tariff_code`,`tariff_name`)
) ENGINE=InnoDB  DEFAULT CHARSET=latin1 COLLATE=latin1_general_cs AUTO_INCREMENT=499 ;

--
-- Dumping data for table `mstfiretariffs`
--

INSERT INTO `mstfiretariffs` (`code`, `tariff_code`, `tariff_name`, `subline_mst_code`, `tariff_rate`, `table_retention_limits_mst_code`, `type`, `description`, `remarks`, `created_at`, `updated_at`, `created_user_mst_code`, `updated_user_mst_code`) VALUES
(1, '2.2.1.3', 'LIGHT MATERIALS(BAMBOO/SAWALI)', 36, 0.55565, 2329, 1, 'LIGHT MATERIALS(BAMBOO/SAWALI)', '2.2.1.3', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(2, '3.1.1A', 'SCHOOLS', 35, 0.115, 2329, 1, 'SCHOOLS', '3.1.1A', '0000-00-00 00:00:00', '2015-09-01 17:07:03', 0, 6),
(3, '3.1.1B', 'SCHOOLS', 35, 0.23, 2342, 1, 'SCHOOLS', '3.1.1B', '0000-00-00 00:00:00', '2015-09-01 17:07:29', 0, 6),
(4, '3.1.0', 'GENERAL TARIFF - ZONE 1', 68, 0.1, 0, 1, 'GENERAL TARIFF - ZONE 1', '3.1.0', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(5, '3.1.2A', 'CHURCHES, OFFICES,MEDICAL', 35, 0.192, 2329, 1, 'CHURCHES, OFFICES,MEDICAL', '3.1.2A', '0000-00-00 00:00:00', '2015-09-01 17:10:11', 0, 6),
(6, '3.1.2B', 'CHURCHES, OFFICES,MEDICAL', 35, 0.307, 2342, 1, 'CHURCHES, OFFICES,MEDICAL', '3.1.2B', '0000-00-00 00:00:00', '2015-09-01 17:11:50', 0, 6),
(7, '3.1.3A', 'HOTELS, HOSPITALS, DORMITORIES', 35, 0.269, 2329, 1, 'HOTELS, HOSPITALS, DORMITORIES', '3.1.3A', '0000-00-00 00:00:00', '2015-09-01 17:12:09', 0, 6),
(8, '3.1.3B', 'HOTELS, HOSPITALS, DORMITORIES', 35, 0.461, 2342, 1, 'HOTELS, HOSPITALS, DORMITORIES', '3.1.3B', '0000-00-00 00:00:00', '2015-09-01 17:12:28', 0, 6),
(9, '3.1.4A', 'SAUNA BATH; PUBLIC BOARDING', 35, 0.384, 2329, 1, 'SAUNA BATH; PUBLIC BOARDING', '3.1.4A', '0000-00-00 00:00:00', '2015-09-01 17:12:39', 0, 6),
(10, '3.1.4B', 'SAUNA BATH; PUBLIC BOARDING', 35, 0.653, 2342, 1, 'SAUNA BATH; PUBLIC BOARDING', '3.1.4B', '0000-00-00 00:00:00', '2015-09-01 17:12:54', 0, 6),
(11, '3.1.5.1A', '1 TO 4 TENANTS', 35, 0.461, 2329, 1, '1 TO 4 TENANTS', '3.1.5.1A', '0000-00-00 00:00:00', '2015-09-01 17:13:15', 0, 6),
(12, '3.1.5.1B', '1 TO 4 TENANTS', 35, 0.691, 2342, 1, '1 TO 4 TENANTS', '3.1.5.1B', '0000-00-00 00:00:00', '2015-09-01 17:13:27', 0, 6),
(13, '3.1.5.2A', 'OVER 4 TENANTS', 35, 0.691, 2329, 1, 'OVER 4 TENANTS', '3.1.5.2A', '0000-00-00 00:00:00', '2015-09-01 17:18:57', 0, 6),
(14, '3.1.5.2B', 'OVER 4 TENANTS', 35, 1.037, 2342, 1, 'OVER 4 TENANTS', '3.1.5.2B', '0000-00-00 00:00:00', '2015-09-01 17:19:10', 0, 6),
(15, '3.1.6A', 'DEPARTMENT STORES', 35, 0.277, 2329, 1, 'DEPARTMENT STORES', '3.1.6A', '0000-00-00 00:00:00', '2015-09-01 17:21:50', 0, 14),
(16, '3.1.7A', 'CINEMAS, THEATRES, DAYS I', 35, 0.96, 2329, 1, 'CINEMAS, THEATRES, DAYS I', '3.1.7A', '0000-00-00 00:00:00', '2015-09-01 17:22:26', 0, 14),
(17, '3.1.7B', 'CINEMAS, THEATRES, DAYS', 35, 1.421, 2342, 1, 'CINEMAS, THEATRES, DAYS', '3.1.7B', '0000-00-00 00:00:00', '2015-09-01 17:22:40', 0, 14),
(18, '3.1.8A', 'PUBLIC MARKETS; COCKPITS', 35, 1.421, 2329, 1, 'PUBLIC MARKETS; COCKPITS', '3.1.8A', '0000-00-00 00:00:00', '2015-09-01 17:22:53', 0, 14),
(19, '3.1.8B', 'PUBLIC MARKETS; COCKPITS', 35, 2.688, 2342, 1, 'PUBLIC MARKETS; COCKPITS', '3.1.8B', '0000-00-00 00:00:00', '2015-09-01 17:23:04', 0, 14),
(20, '3.1.9A', 'CAR PARKS; AIRPORT TERMINAL', 35, 0.384, 2329, 1, 'CAR PARKS; AIRPORT TERMINAL', '3.1.9A', '0000-00-00 00:00:00', '2015-09-01 17:23:21', 0, 14),
(21, '3.1.9B', 'CAR PARKS; AIRPORT TERMINAL', 35, 0.653, 2342, 1, 'CAR PARKS; AIRPORT TERMINAL', '3.1.9B', '0000-00-00 00:00:00', '2015-09-01 17:23:48', 0, 14),
(22, '3.1.10A', 'FARMS', 35, 0.269, 2329, 1, 'FARMS', '3.1.10A', '0000-00-00 00:00:00', '2015-09-01 17:23:59', 0, 14),
(23, '3.1.10B', 'FARMS', 35, 0.461, 2342, 1, 'FARMS', '3.1.10B', '0000-00-00 00:00:00', '2015-09-01 17:24:15', 0, 14),
(24, '3.1.10.1', 'OTHER FACILITIES (WAREHOUSE)', 35, 0.1, 0, 1, 'OTHER FACILITIES (WAREHOUSE)', '3.1.10.1', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(25, '3.1.11A', 'BUILDINGS UNDER CONSTRUCTION', 35, 0.192, 2329, 1, 'BUILDINGS UNDER CONSTRUCTION', '3.1.11A', '0000-00-00 00:00:00', '2015-09-01 17:25:09', 0, 14),
(26, '3.1.11B', 'BUILDINGS UNDER CONSTRUCTION', 35, 0.268, 2342, 1, 'BUILDINGS UNDER CONSTRUCTION', '3.1.11B', '0000-00-00 00:00:00', '2015-09-01 17:25:19', 0, 14),
(27, '3.1.12', 'SHOPPING MALLS', 35, 0.332, 0, 1, 'SHOPPING MALLS', '3.1.12', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(28, '3.2.0', 'GENERAL TARIFF - ZONE 2', 68, 1, 0, 1, 'GENERAL TARIFF - ZONE 2', '3.2.0', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(29, '3.2.1A', 'SCHOOLS', 35, 0.269, 2357, 1, 'SCHOOLS', '3.2.1A', '0000-00-00 00:00:00', '2015-09-01 17:19:41', 0, 6),
(30, '3.2.1B', 'SCHOOLS', 35, 0.384, 2372, 1, 'SCHOOLS', '3.2.1B', '0000-00-00 00:00:00', '2015-09-01 17:25:54', 0, 14),
(31, '3.2.2A', 'CHURCHES, OFFICES MEDICAL', 35, 0.384, 2357, 1, 'CHURCHES, OFFICES MEDICAL', '3.2.2A', '0000-00-00 00:00:00', '2015-09-01 17:26:54', 0, 14),
(32, '3.2.2B', 'CHURCHES, OFFICES MEDICAL', 35, 0.499, 2372, 1, 'CHURCHES, OFFICES MEDICAL', '3.2.2B', '0000-00-00 00:00:00', '2015-09-01 17:27:03', 0, 14),
(33, '3.2.3A', 'HOTELS; HOSPITALS; DORMITORIES', 35, 0.461, 2357, 1, 'HOTELS; HOSPITALS; DORMITORIES', '3.2.3A', '0000-00-00 00:00:00', '2015-09-01 17:27:16', 0, 14),
(34, '3.2.3B', 'HOTELS; HOSPITALS; DORMITORIES', 35, 0.653, 2372, 1, 'HOTELS; HOSPITALS; DORMITORIES', '3.2.3B', '0000-00-00 00:00:00', '2015-09-01 17:27:28', 0, 14),
(35, '3.2.4A', 'SAUNA BATHS; PUBLIC BOARDING', 35, 0.576, 2357, 1, 'SAUNA BATHS; PUBLIC BOARDING', '3.2.4A', '0000-00-00 00:00:00', '2015-09-01 17:27:39', 0, 14),
(36, '3.2.4B', 'SAUNA BATHS; PUBLIC BOARDING', 35, 0.845, 2372, 1, 'SAUNA BATHS; PUBLIC BOARDING', '3.2.4B', '0000-00-00 00:00:00', '2015-09-01 17:27:51', 0, 14),
(37, '3.2.5A', 'RETAIL STORES; RESTAURANT', 35, 0.1, 2357, 1, 'RETAIL STORES; RESTAURANT', '3.2.5A', '0000-00-00 00:00:00', '2015-09-01 17:29:50', 0, 14),
(38, '3.2.5.1A', '1 TO 4 TENANTS', 35, 0.653, 2357, 1, '1 TO 4 TENANTS', '3.2.5.1A', '0000-00-00 00:00:00', '2015-09-01 17:30:08', 0, 14),
(39, '3.2.5.1B', '1 TO 4 TENANTS', 35, 1.037, 2372, 1, '1 TO 4 TENANTS', '3.2.5.1B', '0000-00-00 00:00:00', '2015-09-01 17:30:34', 0, 14),
(40, '3.2.5.2A', 'OVER 4 TENANTS', 35, 0.979, 2357, 1, 'OVER 4 TENANTS', '3.2.5.2A', '0000-00-00 00:00:00', '2015-09-01 17:30:59', 0, 14),
(41, '3.2.5.2B', 'OVER 4 TENANTS', 35, 1.555, 2372, 1, 'OVER 4 TENANTS', '3.2.5.2B', '0000-00-00 00:00:00', '2015-09-01 17:31:42', 0, 14),
(42, '3.2.6A', 'DEPARTMENT STORES', 35, 0.369, 2357, 1, 'DEPARTMENT STORES', '3.2.6A', '0000-00-00 00:00:00', '2015-09-01 17:32:37', 0, 14),
(43, '3.2.7A', 'CINEMAS;THEATRES', 35, 1.382, 2357, 1, 'CINEMAS;THEATRES', '3.2.7A', '0000-00-00 00:00:00', '2015-09-01 17:32:47', 0, 14),
(44, '3.2.7B', 'CINEMAS;THEATRES', 35, 2.074, 2372, 1, 'CINEMAS;THEATRES', '3.2.7B', '0000-00-00 00:00:00', '2015-09-01 17:32:56', 0, 14),
(45, '3.2.8A', 'PUBLIC MARKETS: COCKPITS;', 35, 1.92, 2357, 1, 'PUBLIC MARKETS: COCKPITS;', '3.2.8A', '0000-00-00 00:00:00', '2015-09-01 17:33:06', 0, 14),
(46, '3.2.8B', 'PUBLIC MARKETS; COCKPITS', 35, 3.11, 2372, 1, 'PUBLIC MARKETS; COCKPITS', '3.2.8B', '0000-00-00 00:00:00', '2015-09-01 17:33:15', 0, 14),
(47, '3.2.9A', 'CAR PARKS; AIRPORT TERMINAL', 35, 0.576, 2357, 1, 'CAR PARKS; AIRPORT TERMINAL', '3.2.9A', '0000-00-00 00:00:00', '2015-09-01 17:33:24', 0, 14),
(48, '3.2.9B', 'CAR PARKS; AIRPORT TERMINAL', 35, 0.845, 2372, 1, 'CAR PARKS; AIRPORT TERMINAL', '3.2.9B', '0000-00-00 00:00:00', '2015-09-01 17:33:37', 0, 14),
(49, '3.2.10A', 'FARMS (INCLUDING POULTRY AND', 35, 0.269, 2357, 1, 'FARMS (INCLUDING POULTRY AND', '3.2.10A', '0000-00-00 00:00:00', '2015-09-01 17:33:49', 0, 14),
(50, '3.2.10B', 'FARMS (INCLUDING POULTRY AND', 35, 0.461, 2372, 1, 'FARMS (INCLUDING POULTRY AND', '3.2.10B', '0000-00-00 00:00:00', '2015-09-01 17:34:00', 0, 14),
(51, '3.210.1', 'OTHER FACILITIES (WAREHOUSE)', 35, 1, 0, 1, 'OTHER FACILITIES (WAREHOUSE)', '3.210.1', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(52, '3.2.11A', 'BUILDINGS UNDER CONSTRUCTION', 35, 0.384, 2357, 1, 'BUILDINGS UNDER CONSTRUCTION', '3.2.11A', '0000-00-00 00:00:00', '2015-09-01 17:35:35', 0, 14),
(53, '3.2.11B', 'BUILDINGS UNDER CONSTRUCTION', 35, 0.461, 2372, 1, 'BUILDINGS UNDER CONSTRUCTION', '3.2.11B', '0000-00-00 00:00:00', '2015-09-01 17:35:48', 0, 14),
(54, '3.2.12', 'SHOPPING MALLS', 35, 0.442, 0, 1, 'SHOPPING MALLS', '3.2.12', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(55, '4.1.0', 'RESIDENTIAL TARIFF ZONE 1', 68, 0.002, 0, 1, 'RESIDENTIAL TARIFF ZONE 1', '4.1.0', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(56, '4.1.1A', 'BUILDINGS OCCUPIED AS ONE', 36, 0.09, 2744, 1, 'BUILDINGS OCCUPIED AS ONE', '4.1.1A', '0000-00-00 00:00:00', '2015-09-01 17:36:58', 0, 14),
(57, '4.1.1B', 'BUILDINGS OCCUPIED AS ONE', 36, 0.202, 0, 1, 'BUILDINGS OCCUPIED AS ONE', '4.1.1B', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(58, '4.1.2A', 'BUILDINGS OCCUPIED AS MORE', 36, 0.168, 2744, 1, 'BUILDINGS OCCUPIED AS MORE', '4.1.2A', '0000-00-00 00:00:00', '2015-09-01 17:38:21', 0, 14),
(59, '4.1.2B', 'BUILDINGS OCCUPIED AS MORE', 36, 0.302, 0, 1, 'BUILDINGS OCCUPIED AS MORE', '4.1.2B', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(60, '4.2.0', 'RESIDENTIAL TARIFF ZONE 2', 68, 1, 0, 1, 'RESIDENTIAL TARIFF ZONE 2', '4.2.0', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(61, '4.2.1A', 'BUILDING OCCUPIED AS ONE', 36, 0.235, 2759, 1, 'BUILDING OCCUPIED AS ONE', '4.2.1A', '0000-00-00 00:00:00', '2015-09-01 17:38:50', 0, 14),
(62, '4.2.1B', 'BUILDINGS OCCUPIED AS ONE', 36, 0.336, 2774, 1, 'BUILDINGS OCCUPIED AS ONE', '4.2.1B', '0000-00-00 00:00:00', '2015-09-01 17:41:30', 0, 14),
(63, '4.2.2A', 'BUILDINGS OCCUPIED AS MORE', 36, 0.302, 2759, 1, 'BUILDINGS OCCUPIED AS MORE', '4.2.2A', '0000-00-00 00:00:00', '2015-09-01 17:42:34', 0, 14),
(64, '4.2.2B', 'BUILDINGS OCCUPIED AS MORE', 36, 0.437, 2774, 1, 'BUILDINGS OCCUPIED AS MORE', '4.2.2B', '0000-00-00 00:00:00', '2015-09-01 17:42:44', 0, 14),
(65, '5.1.0', 'WAREHOUSE TARIFF ZONE 1', 68, 0.1, 0, 1, 'WAREHOUSE TARIFF ZONE 1', '5.1.0', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(66, '5.1.1A', 'WAREHOUSE OCCUPANCY 1', 37, 0.307, 2849, 1, 'WAREHOUSE OCCUPANCY 1', '5.1.1A', '0000-00-00 00:00:00', '2015-09-01 17:43:05', 0, 14),
(67, '5.1.1B', 'WAREHOUSE OCCUPANCY 1', 37, 0.538, 2864, 1, 'WAREHOUSE OCCUPANCY 1', '5.1.1B', '0000-00-00 00:00:00', '2015-09-01 17:43:14', 0, 14),
(68, '5.1.2A', 'WAREHOUSE OCCUPANCY 11', 37, 0.384, 2849, 1, 'WAREHOUSE OCCUPANCY 11', '5.1.2A', '0000-00-00 00:00:00', '2015-09-01 17:43:23', 0, 14),
(69, '5.1.2B', 'WAREHOUSE OCCUPANCY 11', 37, 0.691, 2864, 1, 'WAREHOUSE OCCUPANCY 11', '5.1.2B', '0000-00-00 00:00:00', '2015-09-01 17:43:37', 0, 14),
(70, '5.1.3A', 'WAREHOUSE OCCUPANCY 111', 37, 0.537, 2849, 1, 'WAREHOUSE OCCUPANCY 111', '5.1.3A', '0000-00-00 00:00:00', '2015-09-01 17:43:52', 0, 14),
(71, '5.1.3B', 'WAREHOUSE OCCUPANCY 111', 37, 0.998, 2864, 1, 'WAREHOUSE OCCUPANCY 111', '5.1.3B', '0000-00-00 00:00:00', '2015-09-01 17:50:55', 0, 14),
(72, '5.1.4A', 'WAREHOUSE OCCUPANCY IV', 37, 0.845, 2849, 1, 'WAREHOUSE OCCUPANCY IV', '5.1.4A', '0000-00-00 00:00:00', '2015-09-01 17:51:02', 0, 14),
(73, '5.1.4B', 'WAREHOUSE OCCUPANCY IV', 37, 0.1613, 2864, 1, 'WAREHOUSE OCCUPANCY IV', '5.1.4B', '0000-00-00 00:00:00', '2015-09-01 17:51:12', 0, 14),
(74, '5.1.6', 'LIQUID BULK STORAGE IN TANK', 37, 0.37, 0, 1, 'LIQUID BULK STORAGE IN TANK', '5.1.6', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(75, '5.2.0', 'WAREHOUSE TARIFF ZONE 2', 37, 0, 0, 1, 'WAREHOUSE TARIFF ZONE 2', '5.2.0', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(76, '5.2.1A', 'WAREHOUSE OCCUPANCY 1', 37, 0.437, 2879, 1, 'WAREHOUSE OCCUPANCY 1', '5.2.1A', '0000-00-00 00:00:00', '2015-09-01 17:51:30', 0, 14),
(77, '5.2.1B', 'WAREHOUSE OCCUPANCY 1', 37, 0.739, 2894, 1, 'WAREHOUSE OCCUPANCY 1', '5.2.1B', '0000-00-00 00:00:00', '2015-09-01 17:51:39', 0, 14),
(78, '5.2.2A', 'WAREHOUSE OCCUPANCY 11', 37, 0.538, 2879, 1, 'WAREHOUSE OCCUPANCY 11', '5.2.2A', '0000-00-00 00:00:00', '2015-09-01 17:51:46', 0, 14),
(79, '5.2.2B', 'WAREHOUSE OCCUPANCY 11', 37, 0.974, 2894, 1, 'WAREHOUSE OCCUPANCY 11', '5.2.2B', '0000-00-00 00:00:00', '2015-09-01 17:51:56', 0, 14),
(80, '5.2.3A', 'WAREHOUSE OCCUPANCY 111', 37, 0.739, 2879, 1, 'WAREHOUSE OCCUPANCY 111', '5.2.3A', '0000-00-00 00:00:00', '2015-09-01 17:52:05', 0, 14),
(81, '5.2.3B', 'WAREHOUSE OCCUPANCY 111', 37, 1.411, 2894, 1, 'WAREHOUSE OCCUPANCY 111', '5.2.3B', '0000-00-00 00:00:00', '2015-09-01 17:52:19', 0, 14),
(82, '5.2.4A', 'WAREHOUSE OCCUPANCY 1V', 37, 1.176, 2879, 1, 'WAREHOUSE OCCUPANCY 1V', '5.2.4A', '0000-00-00 00:00:00', '2015-09-01 17:52:29', 0, 14),
(83, '5.2.4B', 'WAREHOUSE OCCUPANCY 1V', 37, 2.251, 2894, 1, 'WAREHOUSE OCCUPANCY 1V', '5.2.4B', '0000-00-00 00:00:00', '2015-09-01 17:52:38', 0, 14),
(84, '5.2.5', 'LIQUID BULK STORAGE IN TANK', 37, 0.235, 0, 1, 'LIQUID BULK STORAGE IN TANK', '5.2.5', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(85, '5.2.6', 'LIQUID BULK STORAGE IN TANK', 37, 0.37, 0, 1, 'LIQUID BULK STORAGE IN TANK', '5.2.6', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(86, '6.1.0', 'INDUSTRIAL TARIFF ZONE 1', 68, 1, 0, 1, 'INDUSTRIAL TARIFF ZONE 1', '6.1.0', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(87, '6.1.1A', 'INDUSTRIAL OCCUPANCY 1', 119, 0.403, 2507, 1, 'INDUSTRIAL OCCUPANCY 1', '6.1.1A', '0000-00-00 00:00:00', '2015-09-01 17:52:56', 0, 14),
(88, '6.1.1B', 'INDUSTRIAL OCCUPANCY 1', 119, 0.806, 2522, 1, 'INDUSTRIAL OCCUPANCY 1', '6.1.1B', '0000-00-00 00:00:00', '2015-09-01 17:53:10', 0, 14),
(89, '6.1.2A', 'INDUSTRIAL OCCUPANCY 11', 119, 0.605, 2507, 1, 'INDUSTRIAL OCCUPANCY 11', '6.1.2A', '0000-00-00 00:00:00', '2015-09-01 17:53:18', 0, 14),
(90, '6.1.2B', 'INDUSTRIAL OCCUPANCY 11', 119, 1.008, 2522, 1, 'INDUSTRIAL OCCUPANCY 11', '6.1.2B', '0000-00-00 00:00:00', '2015-09-01 17:53:25', 0, 14),
(91, '6.1.3A', 'INDUSTRIAL OCCUPANCY 111', 119, 0.806, 2507, 1, 'INDUSTRIAL OCCUPANCY 111', '6.1.3A', '0000-00-00 00:00:00', '2015-09-01 17:53:36', 0, 14),
(92, '6.1.3B', 'INDUSTRIAL OCCUPANCY 111', 119, 1.21, 2522, 1, 'INDUSTRIAL OCCUPANCY 111', '6.1.3B', '0000-00-00 00:00:00', '2015-09-01 17:53:43', 0, 14),
(93, '6.1.4A', 'INDUSTRIAL OCCUPANCY 1V', 119, 1.008, 2507, 1, 'INDUSTRIAL OCCUPANCY 1V', '6.1.4A', '0000-00-00 00:00:00', '2015-09-01 17:53:50', 0, 14),
(94, '6.1.4B', 'INDUSTRIAL OCCUPANCY 1V', 119, 1.613, 2522, 1, 'INDUSTRIAL OCCUPANCY 1V', '6.1.4B', '0000-00-00 00:00:00', '2015-09-01 17:53:59', 0, 14),
(95, '6.1.5A', 'INDUSTRIAL OCCUPANCY V', 119, 1.21, 2507, 1, 'INDUSTRIAL OCCUPANCY V', '6.1.5A', '0000-00-00 00:00:00', '2015-09-01 17:54:09', 0, 14),
(96, '6.1.5B', 'INDUSTRIAL OCCUPANCY V', 119, 2.016, 2522, 1, 'INDUSTRIAL OCCUPANCY V', '6.1.5B', '0000-00-00 00:00:00', '2015-09-01 17:54:15', 0, 14),
(97, '6.1.6', 'AUTOMOBILE ASSEMBLERS', 35, 0.336, 0, 1, 'AUTOMOBILE ASSEMBLERS', '6.1.6', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(98, '6.1.7A', 'BAKERIES (BREAD, CAKE,PASTRIES', 119, 0.545, 2507, 1, 'BAKERIES (BREAD, CAKE,PASTRIES', '6.1.7A', '0000-00-00 00:00:00', '2015-09-01 17:54:22', 0, 14),
(99, '6.1.7B', 'BAKERIES(BREAD, CAKE, PASTRIES', 119, 0.907, 2522, 1, 'BAKERIES(BREAD, CAKE, PASTRIES', '6.1.7B', '0000-00-00 00:00:00', '2015-09-01 17:54:30', 0, 14),
(100, '6.1.8A', 'PLANTS FOR BEVERAGES, BOTTLED', 119, 0.302, 2507, 1, 'PLANTS FOR BEVERAGES, BOTTLED', '6.1.8A', '0000-00-00 00:00:00', '2015-09-01 17:54:37', 0, 14),
(101, '6.1.8B', 'PLANTS FOR BEVERAGES, BOTTLED', 119, 0.605, 2522, 1, 'PLANTS FOR BEVERAGES, BOTTLED', '6.1.8B', '0000-00-00 00:00:00', '2015-09-01 17:54:53', 0, 14),
(102, '6.1.9A', 'CIGAR AND CIGARETTE MFG.', 119, 0.538, 2507, 1, 'CIGAR AND CIGARETTE MFG.', '6.1.9A', '0000-00-00 00:00:00', '2015-09-01 17:55:02', 0, 14),
(103, '6.1.9B', 'CIGAR AND CIGARETTE MFG.', 119, 0.941, 2522, 1, 'CIGAR AND CIGARETTE MFG.', '6.1.9B', '0000-00-00 00:00:00', '2015-09-01 17:55:12', 0, 14),
(104, '6.1.10A', 'LIQUOR MIXING, BLENDING AND', 119, 0.454, 2507, 1, 'LIQUOR MIXING, BLENDING AND', '6.1.10A', '0000-00-00 00:00:00', '2015-09-01 17:55:19', 0, 14),
(105, '6.1.10B', 'LIQUOR MIXING, BLENDING AND', 119, 0.756, 2522, 1, 'LIQUOR MIXING, BLENDING AND', '6.1.10B', '0000-00-00 00:00:00', '2015-09-01 17:55:28', 0, 14),
(106, '6.1.11A', 'PLYWOOD FACTORIES', 119, 0.645, 2507, 1, 'PLYWOOD FACTORIES', '6.1.11A', '0000-00-00 00:00:00', '2015-09-01 17:55:43', 0, 14),
(107, '6.1.11B', 'PLYWOOD FACTORIES', 119, 0.967, 2522, 1, 'PLYWOOD FACTORIES', '6.1.11B', '0000-00-00 00:00:00', '2015-09-01 17:55:52', 0, 14),
(108, '6.1.12', 'MODERN SAWMILLS', 119, 0.571, 0, 1, 'MODERN SAWMILLS', '6.1.12', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(109, '6.1.13', 'TIRE FACTORIES', 119, 0.37, 0, 1, 'TIRE FACTORIES', '6.1.13', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(110, '6.2.0', 'INDUSTRIAL TARIFF ZONE 2', 68, 1, 0, 1, 'INDUSTRIAL TARIFF ZONE 2', '6.2.0', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(111, '6.2.1A', 'INDUSTRIAL OCCUPANCY 1', 119, 0.638, 2537, 1, 'INDUSTRIAL OCCUPANCY 1', '6.2.1A', '0000-00-00 00:00:00', '2015-09-01 17:56:27', 0, 14),
(112, '6.2.1B', 'INDUSTRIAL OCCUPANCY 1', 119, 1.075, 2552, 1, 'INDUSTRIAL OCCUPANCY 1', '6.2.1B', '0000-00-00 00:00:00', '2015-09-01 17:56:37', 0, 14),
(113, '6.2.2A', 'INDUSTRIAL OCCUPANCY 11', 119, 0.874, 2537, 1, 'INDUSTRIAL OCCUPANCY 11', '6.2.2A', '0000-00-00 00:00:00', '2015-09-01 17:56:53', 0, 14),
(114, '6.2.2B', 'INDUSTRIAL OCCUPANCY 11', 119, 1.31, 2552, 1, 'INDUSTRIAL OCCUPANCY 11', '6.2.2B', '0000-00-00 00:00:00', '2015-09-01 17:57:04', 0, 14),
(115, '6.2.3A', 'INDUSTRIAL OCCUPANCY 111', 119, 1.075, 2537, 1, 'INDUSTRIAL OCCUPANCY 111', '6.2.3A', '0000-00-00 00:00:00', '2015-09-01 17:57:13', 0, 14),
(116, '6.2.3B', 'INDUSTRIAL OCCUPANCY 111', 119, 1.512, 2552, 1, 'INDUSTRIAL OCCUPANCY 111', '6.2.3B', '0000-00-00 00:00:00', '2015-09-01 17:57:21', 0, 14),
(117, '6.2.4B', 'INDUSTRIAL OCCUPANCY 1V', 119, 2.15, 2552, 1, 'INDUSTRIAL OCCUPANCY 1V', '6.2.4B', '0000-00-00 00:00:00', '2015-09-01 17:57:30', 0, 14),
(118, '6.2.5A', 'INDUSTRIAL OCCUPANCY V', 119, 1.949, 2537, 1, 'INDUSTRIAL OCCUPANCY V', '6.2.5A', '0000-00-00 00:00:00', '2015-09-01 17:57:40', 0, 14),
(119, '6.2.5B', 'INDUSTRIAL OCCUPANCY V', 119, 2.789, 2552, 1, 'INDUSTRIAL OCCUPANCY V', '6.2.5B', '0000-00-00 00:00:00', '2015-09-01 17:57:50', 0, 14),
(120, '6.2.6', 'AUTOMOBILE ASSEMBLERS', 119, 0.47, 0, 1, 'AUTOMOBILE ASSEMBLERS', '6.2.6', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(121, '6.2.7A', 'BAKERIES (BREAD,CAKE, PASTRIES', 119, 0.786, 2537, 1, 'BAKERIES (BREAD,CAKE, PASTRIES', '6.2.7A', '0000-00-00 00:00:00', '2015-09-01 17:58:07', 0, 14),
(122, '6.2.7B', 'BAKERIES (BREAD, CAKE,PASTRIES', 119, 1.179, 2552, 1, 'BAKERIES (BREAD, CAKE,PASTRIES', '6.2.7B', '0000-00-00 00:00:00', '2015-09-01 17:58:14', 0, 14),
(123, '6.2.8A', 'PLANT FOR BEVERAGES, BOTTLED', 119, 0.479, 2537, 1, 'PLANT FOR BEVERAGES, BOTTLED', '6.2.8A', '0000-00-00 00:00:00', '2015-09-01 17:58:23', 0, 14),
(124, '6.2.8B', 'PLANT DOE BEVERAGES, BOTTLED', 35, 0.806, 2372, 1, 'PLANT DOE BEVERAGES, BOTTLED', '6.2.8B', '0000-00-00 00:00:00', '2015-09-02 10:51:56', 0, 14),
(125, '7.1.0.1.1', 'STRUCTURES OF 1 AND 2 STOREYS', 36, 0.144, 2744, 2, 'STRUCTURES OF 1 AND 2 STOREYS', '7.1.0.1.1', '0000-00-00 00:00:00', '2015-09-02 10:52:08', 0, 14),
(126, '7.1.0.1.2', 'STRUCTURES OF 1 AND 2 STOREYS', 36, 0.144, 0, 2, 'STRUCTURES OF 1 AND 2 STOREYS', '7.1.0.1.2', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(127, '7.2.0.1.1', 'STRUCTURES OF 3 & 4 STOREYS', 36, 0.192, 0, 2, 'STRUCTURES OF 3 & 4 STOREYS', '7.2.0.1.1', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(128, '7.2.0.1.2', 'STRUCTURES OF 3 & 4 STOREYS', 36, 0.24, 0, 2, 'STRUCTURES OF 3 & 4 STOREYS', '7.2.0.1.2', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(129, '7.3.0.1.1', 'STRUCTURE OF 5,6,7 & 8 STOREY', 36, 0.24, 0, 2, 'STRUCTURE OF 5,6,7 & 8 STOREY', '7.3.0.1.1', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(130, '7.3.0.1.2', 'STRUCTURE OF 5,6,7 & 8 STOREY', 36, 0.288, 0, 2, 'STRUCTURE OF 5,6,7 & 8 STOREY', '7.3.0.1.2', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(131, '7.4.0.1.1', 'STRUCTURES 9,10,11 & 12 STOREY', 36, 0.288, 0, 2, 'STRUCTURES 9,10,11 & 12 STOREY', '7.4.0.1.1', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(132, '7.4.0.1.2', 'STRUCTURES 9,10,11 & 12 STOREY', 36, 0.336, 0, 2, 'STRUCTURES 9,10,11 & 12 STOREY', '7.4.0.1.2', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(133, '7.5.0.1.1', 'STRUCTURES 13,14,15& 16 STOREY', 36, 0.336, 0, 2, 'STRUCTURES 13,14,15& 16 STOREY', '7.5.0.1.1', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(134, '7.5.0.1.2', 'STRUCTURES 13,14,15& 16 STOREY', 36, 0.384, 0, 2, 'STRUCTURES 13,14,15& 16 STOREY', '7.5.0.1.2', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(135, '7.6.0.1.1', 'STRUCTURES 17,18,19& 20 STOREY', 36, 0.384, 0, 2, 'STRUCTURES 17,18,19& 20 STOREY', '7.6.0.1.1', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(136, '7.6.0.1.2', 'STRUCTURES 17,18,19& 20 STOREY', 36, 0.432, 0, 2, 'STRUCTURES 17,18,19& 20 STOREY', '7.6.0.1.2', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(137, '7.7.0.1.1', 'STRUCTURES OF 21 STOREYS', 36, 0.432, 0, 2, 'STRUCTURES OF 21 STOREYS', '7.7.0.1.1', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(138, '7.7.0.1.2', 'STRUCTURES OF 21 STOREYS', 36, 0.48, 0, 2, 'STRUCTURES OF 21 STOREYS', '7.7.0.1.2', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(139, '7.8.0', 'AREA 1 AND AREA 2', 36, 0.048, 0, 2, 'AREA 1 AND AREA 2', '7.8.0', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(140, '7.9.0', 'FOUNDATIONS, OUTDOOR SWIMMING', 36, 0.24, 0, 2, 'FOUNDATIONS, OUTDOOR SWIMMING', '7.9.0', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(141, '8.0.0', 'RIOT TARIFF', 36, 0.01, 0, 2, 'RIOT TARIFF', '8.0.0', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(142, '9.1.0.1.1', 'TYPHOON ZONE 1-AREA1', 36, 0.015, 0, 2, 'TYPHOON ZONE 1-AREA1', '9.1.0.1.1', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(143, '9.1.0.1.2', 'TYPHOON ZONE 1- AREA 2', 36, 0.025, 0, 2, 'TYPHOON ZONE 1- AREA 2', '9.1.0.1.2', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(144, '9.1.0.1.3', 'TYPHOON ZONE1 - AREA 3', 36, 0.04, 0, 2, 'TYPHOON ZONE1 - AREA 3', '9.1.0.1.3', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(145, '9.1.0.1.4.', 'TYPHOON ZONE 1 - AREA 4', 36, 0.075, 0, 2, 'TYPHOON ZONE 1 - AREA 4', '9.1.0.1.4.', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(146, '9.1.0.1.5', 'TYPHOON ZONE 1 - AREA 5', 36, 0.125, 0, 2, 'TYPHOON ZONE 1 - AREA 5', '9.1.0.1.5', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(147, '9.1.0.1.6', 'TYPHOON ZONE 1 - AREA 6', 36, 0.15, 0, 2, 'TYPHOON ZONE 1 - AREA 6', '9.1.0.1.6', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(148, '9.2.0.1.1', 'FLOOD ZONE 1 - AREA 1', 36, 0.01, 0, 2, 'FLOOD ZONE 1 - AREA 1', '9.2.0.1.1', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(149, '9.2.0.1.2', 'FLOOD ZONE 1 - AREA 2', 36, 0.015, 0, 2, 'FLOOD ZONE 1 - AREA 2', '9.2.0.1.2', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(150, '9.2.0.1.3', 'FLOOD ZONE 1 - AREA 3', 36, 0.02, 0, 2, 'FLOOD ZONE 1 - AREA 3', '9.2.0.1.3', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(151, '9.2.0.1.4', 'FLOOD ZONE 1 - AREA 4', 36, 0.03, 0, 2, 'FLOOD ZONE 1 - AREA 4', '9.2.0.1.4', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(152, '9.2.0.1.5', 'FLOOD ZONE 1 - AREA 5', 36, 0.045, 0, 2, 'FLOOD ZONE 1 - AREA 5', '9.2.0.1.5', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(153, '9.2.0.1.6', 'FLOOD ZONE 1- AREA 6', 36, 0.06, 0, 2, 'FLOOD ZONE 1- AREA 6', '9.2.0.1.6', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(154, '9.3.0', 'EXTENDED COVERAGE', 36, 0.01, 0, 2, 'EXTENDED COVERAGE', '9.3.0', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(155, '7.1.0.4.1', 'STRUCTURES OF 1 AND 2 STOREYS', 36, 0.144, 0, 2, 'STRUCTURES OF 1 AND 2 STOREYS', '7.1.0.4.1', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(156, '7.1.0.3.1', 'STRUCTURES OF 1 AND 2 STOREYS', 36, 0.144, 0, 2, 'STRUCTURES OF 1 AND 2 STOREYS', '7.1.0.3.1', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(157, '7.1.0.2.1', 'STRUCTURES OF 1 AND 2 STOREYS', 36, 0.144, 0, 2, 'STRUCTURES OF 1 AND 2 STOREYS', '7.1.0.2.1', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(158, '7.1.0.5.1', 'STRUCTURES OF 1 AND 2 STOREYS', 36, 0.144, 0, 2, 'STRUCTURES OF 1 AND 2 STOREYS', '7.1.0.5.1', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(159, '7.1.0.6.1', 'STRUCTURES OF 1 AND 2 STOREYS', 36, 0.144, 0, 2, 'STRUCTURES OF 1 AND 2 STOREYS', '7.1.0.6.1', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(160, '7.1.0.7.1', 'STRUCTURES OF 1 AND 2 STOREYS', 36, 0.144, 0, 2, 'STRUCTURES OF 1 AND 2 STOREYS', '7.1.0.7.1', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
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INSERT INTO `mstfiretariffs` (`code`, `tariff_code`, `tariff_name`, `subline_mst_code`, `tariff_rate`, `table_retention_limits_mst_code`, `type`, `description`, `remarks`, `created_at`, `updated_at`, `created_user_mst_code`, `updated_user_mst_code`) VALUES
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(439, '7.5.0.2', '', 36, 0, 0, 2, '', '7.5.0.2', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(440, '7.6.0.1', '', 36, 0, 0, 2, '', '7.6.0.1', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(441, '7.6.0.2', '', 36, 0, 0, 2, '', '7.6.0.2', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(442, '7.7.0.1', '', 36, 0, 0, 2, '', '7.7.0.1', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(443, '7.7.0.2', '', 36, 0, 0, 2, '', '7.7.0.2', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(444, '9.1.0', '', 36, 0, 0, 2, '', '9.1.0', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(445, '9.2.0', '', 36, 0, 0, 2, '', '9.2.0', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(446, '6.2.10.A', 'LIQUOR MIXING, BLENDING, AND B', 119, 0.655, 2537, 1, 'LIQUOR MIXING, BLENDING, AND B', '6.2.10.A', '0000-00-00 00:00:00', '2015-09-02 10:59:45', 0, 14),
(447, '6.2.11B', 'PLYWOOD FACTORIES', 119, 1, 2552, 1, 'PLYWOOD FACTORIES', '6.2.11B', '0000-00-00 00:00:00', '2015-09-02 10:59:56', 0, 14),
(448, '3.2.12A', 'SHOPPING MALLS', 35, 0.442, 2357, 1, 'SHOPPING MALLS', '3.2.12A', '0000-00-00 00:00:00', '2015-09-02 11:00:18', 0, 14),
(449, '6.2.11A', 'PLYWOOD FACTORIES', 119, 1, 2537, 1, 'PLYWOOD FACTORIES', '6.2.11A', '0000-00-00 00:00:00', '2015-09-02 11:00:33', 0, 14),
(450, '6.2.12', 'MODERN SAWMILLS', 119, 0.773, 0, 1, 'MODERN SAWMILLS', '6.2.12', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(451, '6.2.14.4A', 'NON-HAZARDOUS WAREHOUSE', 119, 0.336, 2537, 1, 'NON-HAZARDOUS WAREHOUSE', '6.2.14.4A', '0000-00-00 00:00:00', '2015-09-02 11:00:50', 0, 14),
(452, '5.1.5', 'LIQUID BULK STORAGE IN TANK', 37, 0.235, 0, 1, 'LIQUID BULK STORAGE IN TANK', '5.1.5', '0000-00-00 00:00:00', '0000-00-00 00:00:00', 0, 0),
(453, '6.2.4A', 'INDUSTRIAL OCCUPANCY 1V', 119, 1.512, 2537, 1, 'INDUSTRIAL OCCUPANCY 1V', '6.2.4A', '0000-00-00 00:00:00', '2015-09-02 11:00:59', 0, 14),
(454, '6.2.9A', 'CIGAR AND CIGAR MFG.', 119, 1, 2537, 1, 'CIGAR AND CIGAR MFG.', '6.2.9A', '0000-00-00 00:00:00', '2015-09-02 11:01:09', 0, 14),
(455, '5.2.6 A', 'LIQUID BULK STORAGE ', 37, 0.37, 2981, 1, 'LIQUID BULK STORAGE IN TANK INSTALLATION OVERGROUND, SUBJECT TO TANK EXPOSURE WARRANTY & OVERGROUND TANK WARRANTY', '', '2017-04-05 18:24:20', '2017-04-05 18:24:20', 169, 169),
(456, '3.1.6.1A', 'DS,FF,SM,OFC', 36, 0, 2357, 1, 'DEPARTMENT STORE\r\nFASTFOOD\r\nSUPERMARKET\r\nOFFICES\r\n', '', '2017-04-11 22:29:38', '2017-04-11 22:29:38', 202, 202),
(457, '5.1.5A', 'LIQUID BULK STORAGE', 37, 0.235, 2981, 1, 'LIQUID BULK STORAGE IN TANK INSTALLATION COMPLETELY UNDERGROUND, SUBJECT TO TANK EXPOSURE WARRANTY & UNDERGROUND TANK WARRANTY', '', '2017-04-11 22:31:32', '2017-04-11 22:31:32', 202, 202),
(459, '5.1.6A', 'LIQUID BULK STORAGE', 37, 0.37, 2981, 1, 'LIQUID BULK STORAGE IN TANK INSTALLATION OVERGOUND, SUBJECT TO TANK EXPOSURE WARRANTY & OVERGROUND TANK WARRANTY', '', '2017-04-11 22:38:33', '2017-04-11 22:38:33', 2, 2),
(460, '5.2.5A', 'LIQUID BULK STORAGE', 37, 0.235, 2981, 1, 'LIQUID BULK STORAGE IN TANK INSTALLATION COMPLETELY UNDERGROUND, SUBJECT TO TANK EXPOSURE WARRANTY & UNDERGROUND TANK WARRANTY', '', '2017-04-11 22:39:45', '2017-04-11 22:39:45', 2, 2),
(461, '6.1.6A', 'AUTOMOBILE ASSEMBLERS', 119, 0.336, 2687, 1, 'AUTOMOBILE ASSEMBLERS (SUBJECT TO SPRAY BOOTH WARRANTY & UPHOLSTERY WARRANTY) SUGAR CENTRALS, SUGAR MILLS AND SUGAR REFINERIES AND CEMENT FACTORY', '', '2017-04-11 22:42:38', '2017-04-11 22:42:38', 2, 2),
(462, '6.2.10B', 'LIQUOR MIXING, BLENDING & BOTTLING PLANT', 119, 0.983, 2714, 1, 'LIQUOR MIXING, BLENDING & BOTTLING PLANTS, MEAT & FISH PRODUCTS - WITHOUT SMOKEHOUSE (SLAUGHTERING, TENDERING, CURING, PACKING, CANNING, POULTRY & EGG PROCESSING)', '', '2017-04-11 22:44:13', '2017-04-11 22:44:13', 2, 2),
(463, '6.2.13A', 'TIRE FACTORIES', 119, 0.538, 2687, 1, 'TIRE FACTORIES', '', '2017-04-11 22:47:31', '2017-04-11 22:47:31', 2, 2),
(464, '6.2.14', 'MINING RISKS', 36, 0, 2819, 1, 'MINING RISKS', '', '2017-04-11 22:49:15', '2017-04-11 22:49:15', 2, 2),
(465, '6.2.14.1', 'MILLS', 36, 0, 2834, 1, 'MILLS', '', '2017-04-11 22:50:20', '2017-04-11 22:50:20', 2, 2),
(466, '6.2.14.1A', 'MILLS', 119, 0.336, 2687, 1, 'MILLS\r\n', '', '2017-04-11 22:54:13', '2017-04-11 22:54:13', 2, 2),
(467, '6.2.14.2', 'ELECTRIC POWER STATIONS', 36, 0, 2507, 1, 'ELECTRIC POWER STATIONS\r\n', '', '2017-04-11 22:58:35', '2017-04-11 22:58:35', 2, 2),
(468, '6.2.14.2A', 'ELECTRIC POWER STATIONS', 119, 0.269, 2507, 1, 'ELECTRIC POWER STATIONS\r\n', '', '2017-04-11 22:59:22', '2017-04-11 22:59:22', 2, 2),
(469, '6.2.14.3', 'WAREHOUSES/HAZARDOUS', 36, 0, 2834, 1, 'WAREHOUSES/HAZARDOUS\r\n', '', '2017-04-11 23:00:21', '2017-04-11 23:00:21', 2, 2),
(470, '6.2.14.3A', 'WAREHOUSE INVOLVING FLAMMABLE', 119, 0.47, 2507, 1, 'WAREHOUSE INVOLVING FLAMMABLE\r\n', '', '2017-04-11 23:04:18', '2017-04-11 23:04:18', 2, 2),
(471, '6.2.14.3B', 'WAREHOUSE INVOLVING FLAMMABLE', 119, 0.874, 2522, 1, 'WAREHOUSE INVOLVING FLAMMABLE LIQUIDS, EXPLOSIVES, BLASTING CAPS AND CONTENTS OF HAZARDOUS OR EXTRA HAZARDOUS NATURE\r\n', '', '2017-04-11 23:05:05', '2017-04-11 23:08:16', 2, 2),
(472, '6.2.14.4', 'WAREHOUSES/NON-HAZARDOUS', 36, 0, 2834, 1, 'WAREHOUSES/NON-HAZARDOUS\r\n', '', '2017-04-11 23:05:59', '2017-04-11 23:05:59', 2, 2),
(473, '6.2.14.4B', 'NON-HAZARDOUS WAREHOUSE', 119, 0.605, 2522, 1, 'NON-HAZARDOUS WAREHOUSE\r\n', '', '2017-04-11 23:09:13', '2017-04-11 23:09:13', 2, 2),
(474, '6.2.14.5', 'OTHER RISKS IN SITE', 36, 0, 2834, 1, 'OTHER RISKS IN SITE\r\n', '', '2017-04-11 23:14:56', '2017-04-11 23:14:56', 2, 2),
(475, '6.2.14.5A', 'OTHER RISKS IN SITE (STAFFHOUSES, ETC.)', 119, 0.134, 2507, 1, 'OTHER RISKS IN SITE (STAFFHOUSES, ETC.)\r\n', '', '2017-04-11 23:17:05', '2017-04-11 23:17:05', 2, 2),
(476, '6.2.14.5B', 'OTHER RISKS IN SITE (STAFFHOUSES, ETC.)', 119, 0.202, 2522, 1, 'OTHER RISKS IN SITE (STAFFHOUSES, ETC.)\r\n', '', '2017-04-11 23:17:39', '2017-04-11 23:17:39', 2, 2),
(477, '6.2.14.6', 'MAINTENANCE/MOTOR POOL', 36, 0, 2834, 1, 'MAINTENANCE/MOTOR POOL\r\n', '', '2017-04-11 23:18:52', '2017-04-11 23:18:52', 2, 2),
(478, '6.2.14.6A', 'MAINTENANCE SHOPS / MOTORPOOL', 119, 0.403, 2507, 1, 'MAINTENANCE SHOPS / MOTORPOOL\r\n', '', '2017-04-11 23:20:52', '2017-04-11 23:20:52', 2, 2),
(479, '6.2.14.6.B', 'MAINTENANCE SHOPS / MOTORPOOL', 119, 0.437, 0, 1, 'MAINTENANCE SHOPS / MOTORPOOL', '', '2017-04-11 23:20:52', '2017-04-11 23:20:52', 2, 2),
(480, '6.2.6.A', 'AUTOMOBILE ASSEMBLERS', 119, 0.47, 0, 1, 'AUTOMOBILE ASSEMBLERS (SUBJECT TO SPRAY  BOOTH WARRANTY & UPHOLSTERY WARRANTY) SUGAR CENTRALS,SUGAR MILLS AND SUGAR REFINERIES AND CEMENT FACTORY\r\n\r\n', '', '2017-04-11 23:20:52', '2017-04-11 23:20:52', 2, 2),
(481, '6.2.9.B', 'CIGAR AND CIGARETTE MANUFACTURING', 119, 1.176, 0, 1, 'CIGAR AND CIGARETTE MANUFACTURING', '', '2017-04-11 23:20:52', '2017-04-11 23:20:52', 2, 2),
(482, '7.1.0', 'FULL EQ 7.1.0', 35, 0.1, 0, 1, 'EARTHQUAKE FIRE/SHOCK', '', '2017-04-11 23:20:52', '2017-04-11 23:20:52', 2, 2),
(483, '7.1.1', 'STRUCTURES OF 1 & 2 STOREYS IN HEIGHT', 36, 0, 0, 1, 'STRUCTURES OF 1 & 2 STOREYS IN HEIGHT', '', '2017-04-11 23:20:52', '2017-04-11 23:20:52', 2, 2),
(484, '7.1.2', 'STRUCTURES OF 1 & 2 STOREYS IN HEIGHT', 37, 0, 0, 1, 'STRUCTURES OF 1 & 2 STOREYS IN HEIGHT', '', '2017-04-11 23:20:52', '2017-04-11 23:20:52', 2, 2),
(485, '7.2.0.', 'Structures of 3 and 4 storeys in height', 35, 0.192, 0, 1, 'Structures of 3 and 4 storeys in height of the equivalent thereof.', '', '2017-04-11 23:20:52', '2017-04-11 23:20:52', 2, 2),
(486, '7.2.1', 'STRUCTURES OF 3 & 4 STOREYS', 35, 0, 0, 1, 'STRUCTURES OF 3 & 4 STOREYS', '', '2017-04-11 23:20:52', '2017-04-11 23:20:52', 2, 2),
(487, '7.2.2', 'STRUCTURES OF 3 & 4 STOREYS', 35, 0, 0, 1, 'STRUCTURES OF 3 & 4 STOREYS', '', '2017-04-11 23:20:52', '2017-04-11 23:20:52', 2, 2),
(488, '7.3.1', 'STRUCTURES OF 5,6,7, & 8', 36, 0, 0, 1, 'STRUCTURES OF 5,6,7, & 8', '', '2017-04-11 23:20:52', '2017-04-11 23:20:52', 2, 2),
(489, '7.3.2', 'STRUCTURES OF 5,6,7,&8', 36, 0, 0, 1, 'STRUCTURES OF 5,6,7, & 8', '', '2017-04-11 23:20:52', '2017-04-11 23:20:52', 2, 2),
(490, '7.4.1', 'STRUCTURES OF 9,10,11&12', 35, 0, 0, 1, 'STRUCTURES OF 9,10,11 & 12', '', '2017-04-11 23:20:52', '2017-04-11 23:20:52', 2, 2),
(491, '7.5.1', 'AREA 1 - 13 TO 16 STOREYS', 36, 0, 0, 1, 'AREA 1 - 13 TO 16 STOREYS       ', '', '2017-04-11 23:20:52', '2017-04-11 23:20:52', 2, 2),
(492, '7.6.0.', 'STRUCTURES OF 17,18,19 & 20', 35, 0.384, 0, 1, 'STRUCTURES OF 17, 18, 19 AND 20 STOREYS IN HEIGHT OR THE EQUIVALENT THEREOF', '', '2017-04-11 23:20:52', '2017-04-11 23:20:52', 2, 2),
(493, '7.6.1', 'AREA 1 - 17 TO 20 STOREYS', 36, 0, 0, 1, 'AREA 1 - 17 TO 20 STOREYS    ', '', '2017-04-11 23:20:52', '2017-04-11 23:20:52', 2, 2),
(494, '7.7.1', 'AREA 1-21 STOREYS OR MORE', 36, 0, 0, 1, 'AREA 1-21 STOREYS OR MORE', '', '2017-04-11 23:20:52', '2017-04-11 23:20:52', 2, 2),
(495, '7.9.1', 'EQ SHOCK RATE FOR AREA 1', 36, 0, 0, 1, 'EQ SHOCK RATE FOR AREA 1    ', '', '2017-04-11 23:20:52', '2017-04-11 23:20:52', 2, 2),
(496, '7.9.2', 'EQ SHOCK RATE FOR AREA 2', 36, 0, 0, 1, 'EQ SHOCK RATE FOR AREA 2      ', '', '2017-04-11 23:20:52', '2017-04-11 23:20:52', 2, 2),
(497, '8.1.0', 'RSMD 8.1.0', 36, 0.01, 0, 1, 'RIOT & STRIKE / MALICIOUS DAMAGE', '', '2017-04-11 23:20:52', '2017-04-11 23:20:52', 2, 2),
(498, '9.1.0.', 'TYP & FLD 9.1.0', 36, 0.05, 0, 1, 'TYPHOON & FLOOD', '', '2017-04-11 23:20:52', '2017-04-11 23:20:52', 2, 2);

-- --------------------------------------------------------

--
-- Table structure for table `mstgeneralexclusion`
--

CREATE TABLE IF NOT EXISTS `mstgeneralexclusion` (
  `code` bigint(20) NOT NULL AUTO_INCREMENT,
  `short_name` varchar(50) COLLATE latin1_general_ci NOT NULL,
  `exclusion_title` varchar(500) COLLATE latin1_general_ci NOT NULL,
  `line_mst_code` bigint(20) NOT NULL,
  `subline_mst_code` bigint(20) NOT NULL,
  `default_peril_mst_codes` varchar(5000) COLLATE latin1_general_ci NOT NULL,
  `exclusion_text` mediumtext COLLATE latin1_general_ci NOT NULL,
  `print_order` int(3) NOT NULL,
  `remarks` varchar(500) COLLATE latin1_general_ci NOT NULL,
  `created_at` datetime NOT NULL,
  `updated_at` datetime NOT NULL,
  `created_user_mst_code` bigint(20) NOT NULL,
  `updated_user_mst_code` bigint(20) NOT NULL,
  PRIMARY KEY (`code`),
  KEY `compoundindex` (`line_mst_code`,`subline_mst_code`)
) ENGINE=InnoDB  DEFAULT CHARSET=latin1 COLLATE=latin1_general_ci AUTO_INCREMENT=16 ;

--
-- Dumping data for table `mstgeneralexclusion`
--

INSERT INTO `mstgeneralexclusion` (`code`, `short_name`, `exclusion_title`, `line_mst_code`, `subline_mst_code`, `default_peril_mst_codes`, `exclusion_text`, `print_order`, `remarks`, `created_at`, `updated_at`, `created_user_mst_code`, `updated_user_mst_code`) VALUES
(1, 'ENG-MINS-POL', 'MACHINERY INSURANCE POLICY', 5, 124, '', '<p style="text-align:justify">WHEREAS the Insured named in the Schedule hereto has made to the ALLIEDBANKERS INSURANCE CORPORATION (hereinafter called &ldquo;the Insurers&rdquo;) a written proposal by completing a Questionnaire which together with any other statement made in writing by the Insured for the purpose of this Policy is deemed to be incorporated herein.</p>\r\n\r\n<p style="text-align:justify">NOW THIS POLICY OF INSURANCE WITNESSETH that subject to and in consideration of the Insured having paid to the Insurers the premium mentioned in the said Schedule.<br />\r\n&nbsp;<br />\r\nTHE INSURERS HEREBY AGREE with the Insured (subject always to the terms, provisions and conditions contained herein or endorsed hereon) that if at any time during the period of insurance stated in the Schedule, or during any subsequent period for which the Insured pays the premium for the renewal of this Policy, there shall occur to the machinery insured (or any part thereof) specified in the said Schedule, whilst on the premises mentioned therein, any unforeseen and sudden physical loss or damage necessitating its repair or replacement due to causes such as defects in casting and material, faulty design, faults at workshop or in erection, bad workmanship, lack of skill, carelessness, sabotage, shortage of water in boilers, physical explosion, tearing apart on account of centrifugal force, short circuit, or any other cause not specifically excluded hereinafter.&nbsp;</p>\r\n\r\n<p style="text-align:justify">THE INSURERS WILL INDEMNIFY the Insured in respect of such loss or damage by payment in cash, replacement or repair (at their own option) as hereinafter provided, up to an amount not exceeding in any one year of insurance in respect of each of the machines specified in the Schedule the sum set opposite thereto and not exceeding the whole the total sum insured thereby.</p>\r\n\r\n<p style="text-align:justify">This insurance applies whether the insured machines are at work or at rest, or being dismantled for the purpose of cleaning, overhauling or of being shifted within the said premises, or in the course of the aforesaid operations themselves, or in the course of subsequent re-erection, but in any case only after successful commissioning.<br />\r\n&nbsp;<br />\r\nTHE INSURERS SHALL NOT BE LIABLE FOR:</p>\r\n\r\n<ol start="1" style="list-style-type:lower-alpha">\r\n	<li style="text-align:justify">the deductible stated in the Schedule to be borne by the Insured in any one occurrence; if more than one machine is lost or damaged in one occurrence, the Insured shall not, however, be called upon to bear more than the highest single deductible applicable to such machines;<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">loss of or damage to belts, ropes, wires, chains, rubber tyres, dies or exchangeable tools, engraved cylinders, objects made of glass, porcelain, ceramics, felts, sieves or fabrics, all operating media (e.g. lubricating oil, fuel, catalysts);<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">loss or damage directly from lightning, directly or indirectly from fire, the extinguishment of a fire, or clearance of debris and dismantling necessitated thereby, chemical explosion (except flue gas explosion in boilers), smoke, soot, aggressive substances, theft, subsidence, landslide, rockslide, cyclone, storm, typhoon, flood, inundation, earthquake, volcanic eruption, tsunami, impact of landborne, waterborne or airborne craft;<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">loss or damage directly or indirectly caused by or arising out of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, riot, strike, lock-out, civil commotion, military or usurped power, a group of malicious person or persons acting on behalf of or in connection with any political organization, conspiracy, confiscation, commandeering, requisition or destruction of or damage by order of any government de jure or de facto or by any public authority, nuclear reaction, nuclear radiation or radioactive contamination;<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">loss or damage caused by any faults or defects existing at the time of commencement of the present insurance within the knowledge of the Insured, or his representatives, whether such faults or defects where known to the Insurers or not;<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">loss or damage arising out of the willful act or gross negligence of the Insured or his representatives;<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">loss or damage for which supplier or manufacturer is responsible either by law or under contract;<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">loss or damage as a direct consequence of the continual influence of operation (e.g. wear and tear, cavitation, erosion, corrosion, rust, boiler scale);<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">consequential loss or liability of any kind or description, any payments over and above the indemnity for material damage as provided herein.</li>\r\n</ol>\r\n\r\n<p style="text-align:justify">In any action, suit or other proceeding where the Insurers allege that by reason of the provisions of exclusions (d) &ndash; (g) &nbsp;above any loss, destruction, damage or liability is not covered by this insurance the burden of proving that such loss, destruction, damage or liability is covered shall be upon the Insured.<br />\r\n<br />\r\nPROVISIONS<br />\r\n<br />\r\n<strong>Memo 1 - Sum Insured</strong></p>\r\n\r\n<p style="text-align:justify">It is a requirement of this insurance that the sum insured shall be equal to the cost of replacement of the insured machinery by new machinery of the same kind and same capacity, which shall mean its replacement costs including e.g. freight, dues and custom duties, if any, and erection cost.</p>\r\n\r\n<p style="text-align:justify">If the sum insured is less than the amount required to be insured, the Insurers will pay only in such proportion as the sum insured bears to the amount required to be insured. &nbsp;Every item if more than one shall be subject to this condition separately.</p>\r\n\r\n<p style="text-align:justify"><strong>Memo 2 - Basis of Indemnity</strong></p>\r\n\r\n<ol start="1" style="list-style-type:lower-alpha">\r\n	<li style="text-align:justify">In cases where damage to an insured item can be repaired - the Insurers will pay expenses necessarily incurred to restore the damaged machine to its former state of serviceability plus the cost of dismantling and re-erection incurred for the purpose of effecting the repairs as well as ordinary freight to and from a repair shop, customs duties and dues, if any, to the extent such expenses have been included in the sum insured. &nbsp;If the repairs are executed at a workshop owned by the Insured, the Insurers will pay the cost of materials and wages incurred for the purpose of the repairs plus a reasonable percentage to cover overhead charges.<br />\r\n	<br />\r\n	No deduction shall be made for depreciation in respect of parts replaced, but the value of any salvage will be taken into account.<br />\r\n	<br />\r\n	If the cost of repairs as detailed hereinabove equals or exceeds the actual value of the machinery insured immediately before the occurrence of the damage, the settlement shall be made on the basis provided for in (b) below.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">In cases where an insured item is destroyed - the Insurers will pay the actual value of the item immediately before the occurrence of the loss, including costs for ordinary freight, erection and custom duties, if any, provided such expenses have been included in the sum insured, such actual value to be calculated by deducting proper depreciation from the replacement value of the item. &nbsp;The insurers will also pay any normal charges for the dismounting of the machinery destroyed, but the salvage will be taken into account. &nbsp;</li>\r\n</ol>\r\n\r\n<p style="text-align:justify">Any extra charges incurred for overtime, night-work, work on public holidays, and express freight, are covered by this insurance only if especially agreed in writing.</p>\r\n\r\n<p style="text-align:justify">The cost of any alterations, additions, improvements or overhauls shall not be recoverable under this Policy.</p>\r\n\r\n<p style="text-align:justify">The cost of any provisional repairs will be borne by the Insurers if such repairs constitute part of the final repairs, and do not increase the total repair expenses.</p>\r\n\r\n<p style="text-align:justify">The Insurers will make payments only after being satisfied by production of the necessary bills and documents that the repairs have been effected or replacement has taken place, as the case may be.</p>\r\n\r\n<p style="text-align:justify"><strong>Memo 3 &ndash; Inspection of Turbines, Turbo Generators and Boilers</strong></p>\r\n\r\n<p style="text-align:justify">All mechanical and electrical parts of any steam-turbine, gas turbine or turbogenerator set, up to 30,000 KW shall be inspected and overhauled thoroughly in a completely opened up state at least every two years; for turbines or turbogenerator exceeding 30,000 KW such inspection and overhaul shall take place after 20,000 hours of operation or at least every three years. &nbsp;All boilers shall be inspected annually. &nbsp;The Insured shall arrange for these regular inspections in such a way as to enable the Insurers&rsquo; representative to be present at the inspection at their own expense. &nbsp;The Insurers shall be notified at least seven days in advance of the commencement of any overhauling necessary according to expert opinion.</p>\r\n\r\n<p style="text-align:justify">If the Insured fails to comply with the requirements of this condition, the Insurers shall be free from all liability for loss or damage caused by any circumstance which could have been detected had an inspection taken place in the presence of the Insurers&rsquo; representative.</p>\r\n\r\n<p style="text-align:justify">The Insured may apply for an extension of the period between any two regular inspections, and such extension shall be granted if in the opinion of the Insurers the risk is not aggravated hereby.</p>\r\n\r\n<p style="text-align:justify"><strong>Memo 4 &ndash; Premium Reduction for Standstill</strong></p>\r\n\r\n<p style="text-align:justify">If any boilers, turbines, steam engines, generators or Diesel engines are at a standstill for a continuous period of more than three months in any one year of insurance (including any period of overhauling but excluding any period of repair due to loss or damage under this Policy) the Insured shall be entitled to a reduction in premium in accordance with the undermentioned scale.</p>\r\n\r\n<p style="text-align:justify">if such continuous period of standstill lasts</p>\r\n\r\n<ol start="1" style="list-style-type:upper-roman">\r\n	<li style="text-align:justify">3 months to 5 months - 15% of the annual premium</li>\r\n	<li>\r\n	<p style="text-align:justify">6 months to 8 months -&nbsp;25% of the annual premium</p>\r\n	</li>\r\n	<li>\r\n	<p style="text-align:justify">9 months to 11 months -&nbsp;35% of the annual premium</p>\r\n	</li>\r\n	<li>\r\n	<p style="text-align:justify">throughout the year - 56% of the annual premium</p>\r\n	</li>\r\n</ol>\r\n\r\n<p style="text-align:justify">This MEMO does not apply to machinery used in seasonal factories.</p>\r\n\r\n<p style="text-align:justify"><strong>CONDITIONS</strong></p>\r\n\r\n<ol>\r\n	<li style="text-align:justify">The due observance and fulfillment of the terms of this Policy in so far as they relate to anything to be done or complied with the Insured shall be a condition precedent to any liability of the Insurers.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">The Insured shall at his own expense take all reasonable precaution to prevent loss, damage or liability and to comply with statutory requirements and manufacturer&#39;s recommendations.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">&nbsp;\r\n	<ol start="1" style="list-style-type:lower-alpha">\r\n		<li>Representatives&nbsp; of&nbsp; the&nbsp; Insurers shall at all reasonable times have the right to inspect and&nbsp; examine&nbsp; the&nbsp; plant&nbsp; and&nbsp;the Insured shall provide the representatives of the Insurers with all details and information necessary for the assessment of the risk.<br />\r\n		&nbsp;</li>\r\n		<li>The&nbsp; Insured&nbsp; shall&nbsp; immediately&nbsp; notify the Insurers in writing of any material change in&nbsp; the&nbsp; risk&nbsp; and&nbsp; cause&nbsp; such&nbsp;additional&nbsp;&nbsp; precautions&nbsp;&nbsp; to&nbsp;&nbsp; be&nbsp;&nbsp; taken&nbsp;&nbsp; as&nbsp; circumstances&nbsp; may&nbsp; require&nbsp; to&nbsp; ensure&nbsp; safe&nbsp; operation of&nbsp; the&nbsp;&nbsp; insured&nbsp;machinery, and the scope of cover and/or premium shall if necessary be adjusted accordingly.<br />\r\n		<br />\r\n		No&nbsp; material&nbsp; alteration shall be made or admitted by the Insured whereby the risk of damage is&nbsp; increased,&nbsp; unless&nbsp;the continuance of the Insurance be confirmed by memorandum signed by or on behalf of the Insurers.<br />\r\n		&nbsp;</li>\r\n	</ol>\r\n	</li>\r\n	<li style="text-align:justify">In the event of any occurrence which might give rise to a claim under this Policy the Insured shall<br />\r\n	&nbsp;\r\n	<ol start="1" style="list-style-type:lower-alpha">\r\n		<li>immediately notify the Insurers by telephone or telegram as well as in writing, giving an indication as to the nature and extent of loss or damage;<br />\r\n		&nbsp;</li>\r\n		<li>take all reasonable steps within his power to minimize the extent of the loss or damage;</li>\r\n		<li>\r\n		<p>preserve the damaged or defective parts and make them available for inspection by an official or surveyor of the Insurers;</p>\r\n		</li>\r\n		<li>\r\n		<p>furnish all such information and documentary evidence as the Insurers may require;<br />\r\n		<br />\r\n		The Insurers shall not be liable for any loss or damage of which no notice has been received by the Insurers within fourteen (14) days of its occurrence.<br />\r\n		<br />\r\n		Upon notification of claim being given to the Insurers, the Insured may proceed with the repair of any minor damage provided that the carrying out of such repair is without prejudice to any question of liability of the Insurers and that any damaged part requiring replacement is kept for inspection by the Insurers, but in all other cases a representative of the Insurers shall have the opportunity of inspecting the damage before any alterations repairs or replacements are effected.&nbsp; If an Inspection by a representative of the Insurers does not take place within a period of fourteen days from the date of the notification of the claim, the Insured shall be entitled to proceed with the repairs or replacement.&nbsp; Nothing contained herein shall prevent the Insured from taking such steps as are absolutely necessary to maintain the operation of the plant.<br />\r\n		<br />\r\n		The liability of the Insurers under this Policy in respect of any item of property which sustained damage, for which indemnity is provided, shall cease if the said item is kept in operation without being repaired to the satisfaction of the Insurers.<br />\r\n		<br />\r\n		The amount of any loss or damage for which an Insurer may be liable, under this policy shall be paid within thirty (30) days after proof of loss is received by the Insurer and ascertainment of the loss or damage is made either by agreement between the Insured and the Insurer or by arbitration, but if such ascertainment is not had or made within sixty (60) days&nbsp; after such receipt by the Insurer of the proof of loss, then the loss or damage shall be paid within ninety (90) days after such receipt.&nbsp; Refusal or failure to pay the loss or damage within the time prescribed herein will entitle the assured to collect interest on the proceeds of the policy for the duration of the delay at the rate of six percent (6%) per annum, unless such failure or refusal to pay is based on the ground that the claim is fraudulent.</p>\r\n		</li>\r\n	</ol>\r\n	</li>\r\n	<li>\r\n	<p style="text-align:justify">If the proposal or declaration of the Insured is not true in any material respect, or if a claim is in any respect fraudulent, or if any&nbsp; false declaration is made or used in support thereof, or if any fraudulent means or devices are&nbsp; used&nbsp; by&nbsp; the Insured or anyone acting on behalf to obtain any benefit under this Policy, or if a claim be made and rejected and an action or suit be not commenced either in the Insurance Commission or any Court of competent jurisdiction within twelve (12) months from receipt of notice of such rejection, or in case of arbitration taking place as provided herein, within twelve (12) months after due notice of the award made by the arbitrator or arbitrators or umpire, then the claim shall for all purpose be deemed to have been abandoned and shall not thereafter be recoverable hereunder.</p>\r\n	</li>\r\n	<li>\r\n	<p style="text-align:justify">The Insured shall at the expense of the Insurers do and concur in doing and permit to be done, all such acts and&nbsp; things as may be necessary or required by the Insurers in the interest of any rights or remedies, or of obtaining relief or indemnity from parties (other than those insured under this Policy) to which the Insurers shall be or would become entitled or subrogated upon their paying for or making good of any loss or damage under this Policy, whether such acts and things shall be or become necessary or required before or after the Insured&#39;s indemnification by the Insurers.</p>\r\n	</li>\r\n	<li>\r\n	<p style="text-align:justify">No admission, offer, promise, payment or indemnity shall be made or given by or on behalf of the Insured without the written consent of the Insurers who shall be entitled if they so desire to take over and conduct in the name of the Insured the defense or settlement of any claim for indemnity or damage or otherwise and shall have full discretion in the conduct of any proceedings or in the settlement of any claim and the Insured shall give all such information and assistance as the Insurers may require.</p>\r\n	</li>\r\n	<li style="text-align:justify">This insurance may be terminated at the request of the Insured at any time, in which case the Insurers will retain the customary short-period rate for the time the Policy has been in force.&nbsp; This insurance may equally be terminated at the option of the Insurers by seven (7) days&rsquo; notice to that effect being given to the Insured in which case the Insurers shall be liable to repay a ratable proportion of the premium for the unexpired term from the date of cancellation.<br />\r\n	<br />\r\n	However, no notice of cancellation shall be effective unless it is based on the occurrence, after the effective date of the policy, of one or more of the following:\r\n	<ol start="1" style="list-style-type:lower-alpha">\r\n		<li>conviction of a crime arising out of acts increasing the hazard Insured against;</li>\r\n		<li>discovery of fraud or material misrepresentation;</li>\r\n		<li>discovery of willful or reckless acts or omissions increasing the hazard Insured against;</li>\r\n		<li>physical changes in the property insured which result in the property becoming uninsurable; or</li>\r\n		<li>a&nbsp;determination&nbsp;by&nbsp;the&nbsp;Commissioner&nbsp;that&nbsp;the&nbsp;continuation&nbsp;of&nbsp;the&nbsp;policy&nbsp;would&nbsp;violate&nbsp;or&nbsp;would place the&nbsp;Insurer in violation of this code.<br />\r\n		<br />\r\n		All notices of cancellation shall be writing, mailed or delivered to the named Insured at the address shown in the policy, and shall state (a) which of the grounds set forth above is relied upon and (b) that, upon written request of the named Insured, the Insurer will furnish the facts on which the cancellation is based.<br />\r\n		<br />\r\n		Unless the Insurer at least forty-five (45) days in advance of the end of the policy period mails or delivers to the named Insured at the address shown in the policy notice of its intention not to renew the policy or to condition its renewal upon reduction of limits or elimination of coverages, the named Insured shall be entitled to renew the policy upon payment of the premium due on the effective date of the renewal.&nbsp; Any policy written for a term of less than one (1) year shall be considered as if written for a term of one (1) year.&nbsp; Any policy written for a term longer than one year or any policy with no fixed expiration date shall be considered as if written for successive policy periods or terms of one year.<br />\r\n		&nbsp;</li>\r\n	</ol>\r\n	</li>\r\n	<li style="text-align:justify">​All differences as to the amount of any loss or damage covered by this Policy shall be referred to the decision of an arbitrator to be appointed by the parties in difference or if they cannot agree upon a single arbitrator to the decision of two arbitrators one to be appointed in writing by each of the parties within thirty (30) days after having been required in writing so to do by either of the parties or in case of disagreement between the arbitrators to the decision of an umpire to be appointed in writing by the arbitrators before entering on the reference and an award by the arbitrator or arbitrators or umpire shall be a condition precedent to any right of action against the company.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">If at the time any claim arises under this Policy there be any other insurance covering the same loss or damage the Insurers shall not be liable to pay or contribute more than their ratable proportion of any claim for such loss or damage.&nbsp; If such other insurance is subject to any condition of contribution to the Insurers this Policy shall be subject to such conditions in a like manner.</li>\r\n</ol>\r\n\r\n<p style="text-align:justify"><strong>N O T I C E</strong></p>\r\n\r\n<p style="text-align:justify">The Insurance Commissioner, with offices in Manila, is the government official in charge of the enforcement of all laws relating to insurance and has supervision over insurance companies.&nbsp; He is ready at all times to render assistance in settling any controversy between an Insurance Company and a policyholder relating to insurance matters.</p>\r\n\r\n<p style="text-align:justify">For your protection, you are requested to read this Policy in full, including its conditions, and if it is not in accordance with your intentions, please return it immediately for correction.</p>\r\n\r\n<p style="text-align:justify"><strong>CIVIL CODE ARTICLE 1250 WAIVER CLAUSE</strong></p>\r\n\r\n<p style="text-align:justify">IT IS HEREBY DECLARED AND AGREED that the provision of Article 1250 of the Civil Code of the Philippines (Republic Act No. 386) which reads:</p>\r\n\r\n<p style="text-align:justify">&ldquo;In case an extraordinary inflation or deflation of the currency stipulated should supervene, the value of the currency at the time of the establishment of the obligation shall be the basis of payment,&rdquo;&hellip;</p>\r\n\r\n<p style="text-align:justify">shall not apply in determining the extent of liability under the provisions of this Policy.</p>\r\n\r\n<p style="text-align:justify"><strong>OMNIBUS CLAUSE</strong></p>\r\n\r\n<p style="text-align:justify">All applicable provisions of Presidential Decree No. 1460, otherwise known as the Insurance Code of 1978, as amended, as of the date of effectivity, latest renewal or latest reinstatement of this policy/certificate/contract of insurance, as the case may be, and all existing laws obligatory upon insurance companies as may be pertinent are deemed incorporated in this policy/certificate/contract of insurance and will supersede any agreement/contract inconsistent therewith.</p>\r\n', 5, '', '2015-09-02 11:07:47', '2015-09-03 11:12:21', 6, 14),
(2, 'ENG-BAP-INS', 'BOILER AND PRESSURE VESSEL INSURANCE POLICY', 5, 123, '', '<p style="text-align:justify">WHEREAS the Insured named in the Schedule hereto has made to the <strong>ALLIEDBANKERS INSURANCE CORPORATION </strong>(hereinafter called &ldquo;the Insurers&rdquo;) a written proposal and has paid the premium stated in the Schedule as consideration for the indemnity hereinafter contained for the period of Insurance stated in the Schedule.</p>\r\n\r\n<p style="text-align:justify">Now it is hereby agreed that the Insurers will during the period covered by this Policy or any renewal thereof and subject to the Exceptions, Definitions and Conditions contained herein or endorsed hereon indemnify the Insured against &ndash;</p>\r\n\r\n<ol>\r\n	<li style="text-align:justify">Damage (other than by fire) to the boiler or pressure vessel described in the Schedule hereto and to other property of the Insured;<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">Liability of the Insured at law for damage to property not belonging to the Insured;<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">Liability of the Insured at law on account of fatal or non-fatal injuries to any persons other than the Insureds own employees or workmen or members of the Insured&rsquo;s family,</li>\r\n</ol>\r\n\r\n<p style="text-align:justify">caused by and solely due to explosion or collapse as hereinafter defined of any boiler or pressure vessel described in the Schedule whilst in the course of ordinary working.</p>\r\n\r\n<p style="text-align:justify">Provided that the total liability of the Insurers in respect of any one boiler or pressure vessel in any one year of insurance shall not exceed the limit of indemnity set opposite thereto in the Schedule.</p>\r\n\r\n<p style="text-align:justify">Provided also that in case of any claim against the Insured for damages as aforesaid the Insurers will in addition pay all costs and expenses recovered by any claimant against the Insured or incurred with the written consent of the Insurers in resisting such claim.</p>\r\n\r\n<p style="text-align:justify">Exceptions</p>\r\n\r\n<p style="text-align:justify">The Insurers shall not be liable for &ndash;</p>\r\n\r\n<ol>\r\n	<li style="text-align:justify">Defects due to wearing away or the wasting of the materials of a boiler or a pressure vessel whether by leakage, corrosion or by the action of the fuel or otherwise, the grooving or the fracturing of any of the parts of a boiler or a pressure vessel, or for deterioration generally, or for the development of cracks, blisters, laminations and other flaws, or for fractures, failures of joints within the range of steam or feed pipes, or for bulging and deformation due to overheating of tubes (unless such defects, fractures, failures or bulging result in explosion or collapse), or for the cracking of sections of cast-iron heating boilers or other vessels constructed of cast-iron.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">The failure of individual tubes in boilers of the water tube, locomotive or other multi-tubular types, in superheaters or in economizers (unless such defects result in explosion or collapse).<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">Damage to property belonging to the Insured or held by him in trust or on commission for which he is responsible caused by fire arising from explosion or collapse or any other cause whatsoever, or damage to the plant resulting from any extraneous cause.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">Damage and/or liability caused by the willful act or willful neglect of the Insured.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">Loss sustained by stoppage of work.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">Loss or damage which either in origin or extent is directly or indirectly, proximately or remotely occasioned by or contributed to by any of the following namely &ndash;\r\n	<ol start="1" style="list-style-type:lower-alpha">\r\n		<li>storm, typhoon, hurricane, volcanic eruption, earthquake or other convulsion of nature.</li>\r\n		<li>loss or damage directly or indirectly caused by or arising out of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, riot, strike, lock-out, civil commotion, military or usurped power, or malicious persons acting on behalf of or in connection with any political organization, confiscation, commandeering, requisition or destruction of or damage to property by order of the government de jure or de facto by any public authority, nuclear reaction, nuclear radiation or radioactive contamination.</li>\r\n		<li>any tests other than tests at a pressure not exceeding the maximum pressure permitted by the Inspecting Authority.</li>\r\n	</ol>\r\n	</li>\r\n</ol>\r\n\r\n<p style="text-align:justify">Definitions</p>\r\n\r\n<p style="text-align:justify">The following terms when used in the policy shall have the undermentioned meanings &ndash;</p>\r\n\r\n<ol>\r\n	<li style="text-align:justify">&ldquo;Boiler&rdquo; shall mean any fire closed container or a combined container-piping system in which steam is generated under pressure.&nbsp; When used in the Schedule the term &ldquo;boiler&rdquo; includes fittings, built-in superheaters and economizers but does not include steam or feed-water piping or separate economizers, the explosion of such items being covered by the policy only if specifically listed in the Schedule.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">&ldquo;Vessel&rdquo; shall mean any unfired closed container under steam or air pressure.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">&ldquo;Explosion&rdquo; shall mean the sudden and violent rending or tearing apart of the structure of a boiler or vessel, or any part or parts thereof by force of internal steam, air or fluid pressure, causing bodily displacement or said structure accompanied by the forcible ejectment of its containers.<br />\r\n	<br />\r\n	&ldquo;Explosion&rdquo; shall also mean any damage to the structure of the boiler by force of the sudden and accidental combustion of ignited furnace of flue gases.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">&ldquo;Collapse&rdquo; shall mean the sudden and dangerous distortion of any part of a boiler or vessel caused by the crushing stress of external steam of fluid pressure whether attended by rupture or not; it shall not mean any slowly developing deformation due to any cause.</li>\r\n</ol>\r\n\r\n<p style="text-align:justify">Flue Gas Explosion:&nbsp; In accordance with the definition of the word &ldquo;Explosion&rdquo;, it is hereby expressly understood and agreed that indemnity provided by the policy shall extend to apply to damage (other than by fire) liability costs and expenses as set forth in the Policy directly consequent upon and solely due to explosion of ignited gases in the furnaces of flues of such plant.</p>\r\n\r\n<p style="text-align:justify">Conditions</p>\r\n\r\n<ol>\r\n	<li style="text-align:justify">The Insured shall take all reasonable steps to maintain the insured property in efficient working order, and to ensure that no item is habitually or intentionally overloaded.&nbsp; The Insured shall fully observe all government, statutory, municipal or other binding regulations in force concerning the operation of the insured property.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">&nbsp;\r\n	<ol start="1" style="list-style-type:lower-alpha">\r\n		<li>The&nbsp; Insurer&rsquo;s&nbsp; officials&nbsp; shall&nbsp; at&nbsp; all&nbsp; reasonable times have the right to inspect and examine&nbsp; any&nbsp; property&nbsp; insured&nbsp;hereunder and the Insured shall provide the officials of the Insurers with all details and information necessary for&nbsp; the assessment of the risk.&nbsp; The Insurers shall provide the Insured with a copy of the inspecting official&rsquo;s report, which shall, however, be treated as strictly confidential, both by the Insured and the Insurers.<br />\r\n		&nbsp;</li>\r\n		<li>If&nbsp; an&nbsp; essential increase in the original risk has occurred, the Insured will forthwith notify the Insurers in&nbsp; writing.&nbsp;This applies also if fuel is to be used other than that for which the boiler was designed or which was used at the time of effecting the insurance.&nbsp; Non-compliance with this condition will result in suspension of this Insurance in respect of the item or items where the increase of risk has occurred.<br />\r\n		&nbsp;</li>\r\n	</ol>\r\n	</li>\r\n	<li style="text-align:justify">In the event of any occurrence which might give rise to a claim under the Policy the Insured shall\r\n	<ol start="1" style="list-style-type:lower-alpha">\r\n		<li>immediately notify the Insurers by telephone or telegram as well as in writing;</li>\r\n		<li>take all steps within his power to minimize the extent of the loss or damage;</li>\r\n		<li>preserve&nbsp; the&nbsp; damaged or defective parts and make them available for inspection by an official or surveyor of&nbsp; the&nbsp;Insurers;</li>\r\n		<li>furnish all such information and documentary evidence as the Insurers may require;<br />\r\n		<br />\r\n		<span style="font-size:13px">the Insurers may at their own option repair, reinstate or replace what is damaged or pay in cash for the loss or damage.</span><br />\r\n		<br />\r\n		<span style="font-size:13px">The Insurers shall not be liable for the cost of any repairs undertaken by the Insured without the permission in writing of the Insurers.</span><br />\r\n		<br />\r\n		<span style="font-size:13px">The Insurers shall not be liable for any loss or damage arising out of any occurrence of which no notice has been received by the Insurers within fourteen (14) days of its occurrence.</span><br />\r\n		<br />\r\n		<span style="font-size:13px">Upon notification of a claim being given to the Insurers, the Insured may carry out the repairs or replacement of any minor damage, but in all other cases a representative of the Insurers shall have the opportunity of inspecting the damage before any alterations are effected.&nbsp; If an inspection by a representative of the Insurers does not take place within a period of ten (10) days from the date of the notification of the claim, the Insured shall be entitled to proceed with the repairs or replacement.&nbsp; Nothing contained herein shall prevent the Insured from taking such steps as are absolutely necessary to maintain the operation of the plant.</span><br />\r\n		<br />\r\n		<span style="font-size:13px">The liability of the Insurers under this Policy in respect of any item of property sustaining damage, for which indemnity is provided, shall cease if the said item continues in operation without being repaired to the satisfaction of the Insurers.</span><br />\r\n		<br />\r\n		<span style="font-size:13px">The amount of any loss or damage for which an Insurer may be liable, under this policy, shall be paid within thirty (30) days after proof of loss is received by the Insurer and ascertainment of the loss or damage is made either by agreement between the Insured and the Insurer or by arbitration; but if such ascertainment is not had or made within sixty (60) days after such receipt by the Insurer of the proof of loss, then the loss or damage shall be paid within ninety (90) days after such receipt.&nbsp; Refusal or failure to pay the loss or damage within the time prescribed herein will entitle the Assured to collect interest on the proceeds of the policy for the duration of the delay at the rate of six percent (6%) per annum, unless such failure or refusal to pay is based on the ground that the claim is fraudulent.</span><br />\r\n		&nbsp;</li>\r\n	</ol>\r\n	</li>\r\n	<li style="text-align:justify"><span style="font-size:13px">​</span>If a claim is in any respect fraudulent, or if any false declaration is made or used in support thereof, or if any fraudulent means or devices are used by the Insured or anyone acting on his behalf to obtain any benefit under this Policy, or if a claim be made and rejected and an action or suit be not commenced either in the Insurance Commission or any Court of competent jurisdiction within twelve (12) months from receipt of notice of such rejection, or in case of arbitration taking place as provided herein, within twelve (12) months after due notice of the award made by the arbitrator or arbitrators or umpire, then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">The Insured shall at the expense of the Insurers do and concur in doing and permit to be done, all such acts and things as may be necessary or required by the Insurers in the interest of any rights, or remedies, or of obtaining relief or indemnity from parties (other than those insured under this Policy) to which the Insurers shall be or would become entitled or subrogated upon their paying for or making good of any loss or damage under the Policy, whether such acts and things shall be or become necessary or required before or after the Insured&rsquo;s indemnification by the Insurers.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">No admission, offer, promise, payment or indemnity shall be made or given by or on behalf of the Insured without the written consent of the Insurers who shall be entitled if they so desire to take over and conduct in the name of the Insured the defense or settlement of any claim for indemnity or damage or otherwise and shall have full discretion in the conduct of any proceedings or in the settlement of any claim and the Insured shall give all such information and assistance as the Insurers may require.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">This insurance may be terminated at the request of the Insured, in which case the Insurers will retain the customary short-period rate for the time the policy has been in force.&nbsp; This Insurance may also at any time be terminated at the option of the Insurers by seven (7) days&rsquo; notice to that effect being given to the Insured in which case the Insurers shall be liable to repay a ratable proportion of the premium for the unexpired term from the date of cancelment.<br />\r\n	<br />\r\n	<span style="font-size:13px">However, no notice of cancellation shall be effective unless it is based on the occurrence, after the effective date of the policy, of one or more of the following:</span>\r\n	<ol start="1" style="list-style-type:lower-alpha">\r\n		<li>conviction of a crime arising out of acts increasing the hazard Insured against;</li>\r\n		<li>discovery of fraud or material misrepresentation;</li>\r\n		<li>discovery of willful or reckless acts or omissions increasing the hazard Insured against;</li>\r\n		<li>physical changes in the property insured which result in the property becoming uninsurable; or</li>\r\n		<li>a determination by the Commissioner that the continuation of the policy would delete or would place the Insurer in violation of this code.<span style="font-size:13px">​</span><br />\r\n		<br />\r\n		<span style="font-size:13px">All notices of cancellation shall be writing, mailed or delivered to the named Insured at the address shown in the policy, and shall state (a) which of the grounds set forth above is relief upon and (b) that, upon written request of the named Insured, the Insurer will furnish the facts on which the cancellation is based.</span><br />\r\n		<br />\r\n		Unless the Insurer at least forty-five (45) days in advance of the end of the policy period mails or delivers to the named Insured at the address shown in the policy notice of its intention not to renew the policy or to condition its renewal upon reduction of limits or elimination of coverages, the named Insured shall be entitled to renew the policy upon payment of the premium due on the effective date of the renewal.&nbsp; Any policy written for a term of less than one (1) year shall be considered as if written for a term of one (1) year.&nbsp; Any policy written for a term longer than one year or any policy with no fixed expiration date shall be considered as if written for successive policy periods or terms of one year.<br />\r\n		&nbsp;</li>\r\n	</ol>\r\n	</li>\r\n	<li style="text-align:justify">All differences as to the amount of any loss or damage covered by this Policy shall be referred to the decision of an arbitrator to be appointed by the parties in difference or if they cannot agree upon a single arbitrator to the decision of two arbitrators one to be appointed in writing by each of the parties within thirty (30) days after having been required in writing so to do by either of the parties or in case of disagreement between the arbitrators to the decision of an umpire to be appointed in writing by the arbitrators before entering on the reference and an award by the arbitrator or arbitrators or umpire shall be a condition precedent to any right of action against the company.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">Whenever a claim arises under the Policy and the same loss or damage is covered by any other insurance, the Insurers shall not be liable to pay or contribute more than their ratable proportion of any claim for such loss or damage.&nbsp; If such other insurance is subject to any condition of average to the Insurers this Policy shall be subject to such conditions in a like manner.</li>\r\n</ol>\r\n\r\n<p style="text-align:justify"><strong>N O T I C E</strong></p>\r\n\r\n<p style="text-align:justify">The Insurance Commissioner, with offices in Manila, is the government official in charge of the enforcement of all laws relating to insurance and has supervision over insurance companies.&nbsp; He is ready at all times to render assistance in settling any controversy between an Insurance Company and a policyholder relating to insurance matters.</p>\r\n\r\n<p style="text-align:justify">For your protection, you are requested to read this Policy in full, including its conditions, and if it is not in accordance with your intentions, please return it immediately for correction.</p>\r\n\r\n<p style="text-align:justify"><strong>CIVIL CODE ARTICLE 1250 WAIVER CLAUSE</strong></p>\r\n\r\n<p style="text-align:justify">IT IS HEREBY DECLARED AND AGREED that the provision of Article 1250 of the Civil Code of the Philippines (Republic Act No. 386) which reads:<br />\r\n<br />\r\n&ldquo;In case an extraordinary inflation or deflation of the currency stipulated should supervene, the value of the currency at the time of the establishment of the obligation shall be the basis of payment,&rdquo;&hellip;</p>\r\n\r\n<p style="text-align:justify">shall not apply in determining the extent of liability under the provisions of this Policy.</p>\r\n\r\n<p style="text-align:justify"><strong>OMNIBUS CLAUSE</strong></p>\r\n\r\n<p style="text-align:justify">All applicable provisions of Presidential Decree No. 1460, otherwise known as the Insurance Code of 1978, as amended, as of the date of effectivity, latest renewal or latest reinstatement of this policy/certificate/contract of insurance, as the case may be, and all existing laws obligatory upon insurance companies as may be pertinent are deemed incorporated in this policy/certificate/contract of insurance and will supersede any agreement/contract inconsistent therewith.</p>\r\n', 10, '', '2015-09-02 14:56:29', '2015-09-02 15:23:13', 14, 14);
INSERT INTO `mstgeneralexclusion` (`code`, `short_name`, `exclusion_title`, `line_mst_code`, `subline_mst_code`, `default_peril_mst_codes`, `exclusion_text`, `print_order`, `remarks`, `created_at`, `updated_at`, `created_user_mst_code`, `updated_user_mst_code`) VALUES
(3, 'ENG-EEI-POL', 'ELECTRONIC EQUIPMENT INSURANCE POLICY', 5, 30, '', '<p style="text-align:justify">WHEREAS the Insured named in the Schedule hereto has made to the <strong>ALLIEDBANKERS INSURANCE CORPORATION </strong>(hereinafter called &ldquo;the Insurers&rdquo;) a written proposal by completing a Questionnaire which together with any other statements made in writing by the Insured for the purpose of this Policy is deemed to be incorporated herein.</p>\r\n\r\n<p style="text-align:justify">Now this Policy of Insurance witnesseth that subject to the Insured having paid to the Insurers the premium mentioned in the Schedule and subject to the terms, exclusions, provisions and conditions contained herein or endorsed hereon, the Insurers shall indemnify the Insured in the manner and to the extent hereinafter provided.</p>\r\n\r\n<p style="text-align:justify">This insurance applies whether the insured items are at work or at rest or being dismantled for the purpose of cleaning, overhauling or of being shifted within the Premises or in the course of the aforesaid operations themselves, or in the course of subsequent re-erection, but in any case only after successful commissioning.</p>\r\n\r\n<p style="text-align:justify"><strong>General Exclusions</strong></p>\r\n\r\n<p style="text-align:justify">The Insurers will not indemnify the Insured in respect of loss or damage directly or indirectly caused by, or arising out of,</p>\r\n\r\n<ol start="1" style="list-style-type:lower-alpha">\r\n	<li style="text-align:justify">war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution insurrection, mutiny, riot, strike, lock-out, civil commotion, military or usurped power, a group of malicious person or persons acting on behalf of or in connection with any political organization, conspiracy, confiscation, commandeering, requisition or destruction or damage by order of any government de jure or de facto or by any public authority;<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">nuclear reaction, nuclear radiation or radioactive contamination;<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">willful act to willful negligence of the Insured or his representatives.</li>\r\n</ol>\r\n\r\n<p style="text-align:justify">In any action, suit or other proceeding where the Insurers allege that by reason of the provisions of Exclusion a)&nbsp; above any loss, destruction or damage is not covered by this insurance, the burden of proving that such loss, destruction or damage is covered shall be upon the Insured.</p>\r\n\r\n<p style="text-align:justify"><strong>General Conditions</strong></p>\r\n\r\n<ol>\r\n	<li style="text-align:justify">The due observance and fulfillment of the terms of this Policy in so far as they relate to anything to be done or complied with by the Insured and the truth of the statements and answers in the Questionnaire and Proposal made by the Insured shall be a condition precedent to any liability of the Insurers.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">The Schedule and the Section(s) shall be deemed to incorporated in and form part of this Policy and the expression &quot;this Policy&quot; wherever used in this contract shall be read as including the Schedule and the Section(s).&nbsp; Any word or expression to which a specific meaning has been attached in any part of this Policy or of the Schedule or of the Section(s) shall bear such meaning wherever it may appear.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">The Insured shall at his own expense take all reasonable precautions and comply with all reasonable recommendations of the Insurers to prevent loss or damage and comply with statutory requirements and manufacturer&#39;s recommendations.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">&nbsp;\r\n	<ol start="1" style="list-style-type:lower-alpha">\r\n		<li>Representatives&nbsp; of the Insurers shall at any reasonable time have the right to inspect and examine the risk and&nbsp; the&nbsp;Insured shall provide the representatives of the Insurers with all details and information necessary for the assessment of the risk.<br />\r\n		&nbsp;</li>\r\n		<li>The Insured shall immediately notify the Insurers by telegram and in writing of any material change in the risk and&nbsp;cause&nbsp;at&nbsp;his&nbsp;own expense&nbsp;such&nbsp; additional precautions to be taken as circumstances&nbsp;may&nbsp;require&nbsp;to&nbsp;ensure&nbsp;safe&nbsp;<span style="font-size:13px">operation of the insured items and the scope of cover and/or premium shall, if necessary, be adjusted&nbsp;accordingly.</span><br />\r\n		&nbsp;</li>\r\n	</ol>\r\n	</li>\r\n	<li style="text-align:justify">In the event of any occurrence which might give rise to a claim under this Policy, the Insured shall\r\n	<ol start="1" style="list-style-type:lower-alpha">\r\n		<li>immediately notify the Insurers by telephone or telegram as well as in writing, giving an indication as to the nature and extent of loss or damage;<br />\r\n		&nbsp;</li>\r\n		<li>Take all steps within his power to minimize the extent of the loss or damage;<br />\r\n		&nbsp;</li>\r\n		<li>preserve the parts affected and make them available for inspection by a representative or surveyor of the Insurers;<br />\r\n		&nbsp;</li>\r\n		<li>furnish all such information and documentary evidence as the Insurers may require;<br />\r\n		&nbsp;</li>\r\n		<li>inform the police authorities in case of loss or damage due to burglary or sabotage.<br />\r\n		<br />\r\n		<span style="font-size:13px">The Insurers shall not in any case be liable for loss damage or liability of which no notice has been received by the Insurers within fourteen (14) days of its occurrence.&nbsp; Upon notification being given to the Insurers under this condition, the Insured may carry out the repairs or replacement of any minor damage; in all other cases a representative of the Insurers shall have the opportunity of inspecting the loss or damage before any repairs or alterations are effected.&nbsp; If a representative of the Insurers does not carry out the inspection within a period of time which could be considered adequate under the circumstances, the Insured is entitled to proceed with the repairs or replacement.<br />\r\n		<br />\r\n		The liability of the Insurers under this Policy in respect of any insured item shall cease if said item is kept in operation after a claim without being repaired to the satisfaction of the Insurers, or if temporary repairs are carried out without the Insurers&#39; consent.</span><br />\r\n		<br />\r\n		The amount of any loss or damage for which an Insurer may be liable, under this policy shall be paid within thirty (30) days after proof of loss is received by the Insurer and ascertainment of the loss or damage is made either by agreement between the Assured and the Insurer or by arbitration:&nbsp; but if such ascertainment is not had or made within sixty (60) days after such receipt by the Insurer of the proof of loss, then the loss or damage shall be paid within ninety (90) days after such receipt.&nbsp; Refusal or failure to pay the loss or damage within the time prescribed herein will entitle the Assured to collect the interest on the proceeds of the policy for the duration of the delay at the rate of six percent (6%) per annum, unless such failure or refusal to pay is based on the ground that the claim is fraudulent.<br />\r\n		&nbsp;</li>\r\n	</ol>\r\n	</li>\r\n	<li style="text-align:justify">The Insured shall at the expense of the Insurers do and concur in doing and permit to be done all such acts and&nbsp; things as may be necessary or required by the Insurers in the interest of any rights or remedies, or of obtaining relief or indemnity from parties (other than those insured under this Policy) to which the Insurers shall be or would become entitled or subrogated upon their paying for or making good any loss or damage under this Policy, whether such acts and things shall be or become necessary or required before or after the Insured&#39;s indemnification by the Insurers.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">All&nbsp; differences&nbsp; as&nbsp; to the amount of any loss or damage covered by this Policy shall be referred&nbsp; to&nbsp; the&nbsp; decision&nbsp; of&nbsp; an arbitrator to be appointed by the parties in difference or if they cannot agree upon a single arbitrator to the decision of two arbitrators one to be appointed in writing by each of the parties within thirty (30) days after having been required in writing to do so by either of the parties or in case of disagreement between the arbitrators to the decision of an umpire to be appointed in writing by the arbitrators before entering on the reference and an award by the arbitrator or arbitrators or umpire shall be a condition precedent to any right of action against the company.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">If the proposal or declaration of the Insured is not true in any material respect, or if a claim is in any respect fraudulent, or&nbsp; if&nbsp; any&nbsp; false&nbsp; declaration&nbsp; is made or used in support thereof, or if any fraudulent means or devices&nbsp; are&nbsp; used&nbsp; by&nbsp; the Insured or anyone acting on his behalf to obtain any benefit under this Policy, or if a claim be made and rejected and an action or suit be not commenced either in the Insurance Commission or any Court of competent jurisdiction within twelve (12) months from receipt of notice of such rejection, or in case of arbitration taking place as provided herein, within twelve (12) months after due notice of the award made by the arbitrator or arbitrators or umpire, then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">If at the time any claim arises under this Policy there be any other insurance covering the same loss, damage or liability, the Insurers shall not be liable to pay or contribute more than their ratable proportion of any claim for such loss, damage or liability.&nbsp; If such other insurance is subject to any condition of average to the Insurers this Policy shall be subject to such conditions in a like manner.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">This insurance may be terminated at the request of the insured at any time, in which case the Insurers will retain the customary short-period rate for the time this Policy has been in force.&nbsp; This insurance may equally be terminated at the option of the Insurers by seven days&#39; notice to that effect being given to the Insured in which case the Insurers shall be liable to repay a ratable proportion of the premium for the unexpired term from the date of cancellation.<br />\r\n	<br />\r\n	However, no notice of cancellation shall be effective unless it is based on the occurrence, after the effective date of the policy, of one or more of the following:<br />\r\n	​\r\n	<ol start="1" style="list-style-type:lower-alpha">\r\n		<li>conviction of a crime arising out of acts increasing the hazard Insured against;<br />\r\n		&nbsp;</li>\r\n		<li>discovery of fraud or material misrepresentation;<br />\r\n		&nbsp;</li>\r\n		<li>discovery of willful or reckless acts or omissions increasing the hazard Insured against;<br />\r\n		&nbsp;</li>\r\n		<li>physical changes in the property insured which result in the property becoming uninsurable; or<br />\r\n		&nbsp;</li>\r\n		<li>a determination by the Commissioner that the continuation of the policy would violate or would place the Insurer in violation of this Code.<br />\r\n		<br />\r\n		<br />\r\n		All notices of cancellation shall be writing, mailed or delivered to the named Insured at the address shown in the policy, and shall state (a) which of the grounds set forth above is relied upon and (b) that, upon written request of the named Insured, the Insurer will furnish the facts on which the cancellation is based.<br />\r\n		<br />\r\n		<strong><u>SHORT PERIOD RATE SCALE</u></strong><br />\r\n		<br />\r\n		IT IS HEREBY AGREED that, in the event of this Policy being surrendered by the Insured for cancelment, the Company shall retain a premium in accordance with the following scale for the time the Policy has been in force:<br />\r\n		<br />\r\n		1 month or less -&nbsp;of the Annual Rate<br />\r\n		2 months - 30% of the Annual Rate<br />\r\n		3 months - 40% of the Annual Rate<br />\r\n		4 months - 50% of the Annual Rate<br />\r\n		5 months -&nbsp;60% of the Annual Rate<br />\r\n		6 months -&nbsp;of the Annual Rate<br />\r\n		7 months - 75% of the Annual Rate<br />\r\n		8 months - 80% of the Annual Rate<br />\r\n		9 months - 85% of the Annual Rate<br />\r\n		10 months - 90% of the Annual Rate<br />\r\n		11 months - 95% of the Annual Rate<br />\r\n		<br />\r\n		Unless the Insurer at least forty-five (45) days in advance of the end of the policy period mails or delivers to the named Insured at the address shown in the policy notice of its intention not to renew the policy or to condition its renewal upon reduction of limits or elimination of coverages, the named Insured shall be entitled to renew the policy upon payment of the premium due on the effective date of the renewal.&nbsp; Any policy written for a term of less than one (1) year shall be considered as if written for a term of one (1) year.&nbsp; Any policy written for a term longer than one year or any policy with no fixed expiration date shall be considered as if written for successive policy periods or terms of one year.<br />\r\n		​</li>\r\n	</ol>\r\n	</li>\r\n	<li style="text-align:justify">Under an insurance for a third party&#39;s account the Beneficiary shall be entitled to exercise, in his own name, the rights of the Insured.&nbsp; Without obtaining the Insured&#39;s approval, the Beneficiary shall further have the right to receive any indemnity paid under this Policy and to transfer the Insured&#39;s rights even if the Beneficiary is not in possession of this Policy.&nbsp; Upon payment of an indemnity the Insurers may require evidence of the Beneficiary having given his consent to the insurance and of the Insured having given his consent to the receipt of an indemnity by the Beneficiary.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">The indemnity shall be payable one month after determination by the Insurers of the full amount due.&nbsp; Notwithstanding the above the Insured may, one month after the Insurers have been duly notified of the loss and have acknowledged their liability, claim as an installment the minimum amount payable under the prevailing circumstances.&nbsp; The running of the periods shall be suspended for the time during which the indemnity is unascertainable or not payable due to reasons within the Insured&#39;s control.<br />\r\n	<br />\r\n	The Insurers shall be entitled to withhold indemnification<br />\r\n	&nbsp;\r\n	<ol start="1" style="list-style-type:lower-alpha">\r\n		<li>If there are doubts regarding the Insured&#39;s right to receive the indemnity, pending receipt by the Insurers of the necessary proof;<br />\r\n		&nbsp;</li>\r\n		<li>If in connection with the claim an examination by the police or an inquiry under criminal law has been instituted against the Insured, pending completion of such examination or inquiry.​</li>\r\n	</ol>\r\n	</li>\r\n</ol>\r\n\r\n<p style="text-align:justify"><strong>N O T I C E</strong></p>\r\n\r\n<p style="text-align:justify">The Insurance Commissioner, with offices in Manila, is the government official in charge of the enforcement of all laws relating to insurance and has supervision over insurance companies.&nbsp; He is ready at all times to render assistance in settling any controversy between an Insurance Company and a policyholder relating to insurance matters.</p>\r\n\r\n<p style="text-align:justify">For your protection, you are requested to read this Policy in full, including its conditions, and if it is not in accordance with your intentions, please return it immediately for correction.</p>\r\n\r\n<p style="text-align:justify"><strong>CIVIL CODE ARTICLE 1250 WAIVER CLAUSE</strong></p>\r\n\r\n<p style="text-align:justify">IT IS HEREBY DECLARED AND AGREED that the provision of Article 1250 of the Civil Code of the Philippines (Republic Act No. 386) which reads:</p>\r\n\r\n<p style="text-align:justify">&ldquo;In case an extraordinary inflation or deflation of the currency stipulated should supervene, the value of the currency at the time of the establishment of the obligation shall be the basis of payment,&rdquo;&hellip;</p>\r\n\r\n<p style="text-align:justify">shall not apply in determining the extent of liability under the provisions of this Policy.</p>\r\n\r\n<p style="text-align:justify"><strong>OMNIBUS CLAUSE</strong></p>\r\n\r\n<p style="text-align:justify">All applicable provisions of Presidential Decree No. 1460, otherwise known as the Insurance Code of 1978, as amended, as of the date of effectivity, latest renewal or latest reinstatement of this policy/certificate/contract of insurance, as the case may be, and all existing laws obligatory upon insurance companies as may be pertinent are deemed incorporated in this policy/certificate/contract of insurance and will supersede any agreement/contract inconsistent therewith.</p>\r\n\r\n<p style="text-align:justify"><strong><u>CHANGES IN POLICY CLAUSE</u></strong></p>\r\n\r\n<p style="text-align:justify">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>\r\n\r\n<p style="text-align:justify"><strong><u>SECTION 1 - MATERIAL DAMAGE</u></strong></p>\r\n\r\n<p style="text-align:justify"><strong>Scope of Cover</strong></p>\r\n\r\n<p style="text-align:justify">The Insurers hereby agree with the Insured that if at any time during the period of insurance stated in the Schedule or during any subsequent period for which the Insured pays the premium for the renewal of this Policy, the items or any part thereof entered in the Schedule shall suffer any unforeseen and sudden physical loss or damage from any cause, other than those specifically excluded, in a manner necessitating repair or replacement, the Insurers will indemnify the Insured in respect of such loss or damage as hereinafter provided by payment in cash, replacement on repair (at their own option) up to an amount not exceeding in any one year of insurance in respect of each of the items specified in the Schedule the sum set opposite thereto and not exceeding in all the total sum expressed in the Schedule as insured hereby.</p>\r\n\r\n<p style="text-align:justify"><strong>Special Exclusions to Section 1</strong></p>\r\n\r\n<p style="text-align:justify">The Insurers shall not, however, be liable for</p>\r\n\r\n<ol start="1" style="list-style-type:lower-alpha">\r\n	<li style="text-align:justify">the deductibles stated in the Schedule to be borne by the Insured in any one occurrence; if more than one item is lost or damaged in one occurrence, the Insured shall not, however, be called upon to bear more than the highest single deductible applicable to such items;<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">loss or damage directly or indirectly caused by or arising out of earthquake, volcanic eruption, tsunami, storm, typhoon, cyclone or hurricane;<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">loss or damage directly or indirectly caused by theft;<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">loss or damage caused by any faults or defects existing at the time of commencement of the present insurance within the knowledge of the Insured, or his representatives, whether such faults or defects were known to the Insurers or not;<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">loss or damage directly or indirectly caused by the&nbsp; failure or interruption of any gas, water or electricity service or supply;<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">loss or damage as a direct consequence of the continual influence of operation (e.g. wear and tear, cavitation, erosion, corrosion, incrustation) or of gradual deterioration due to atmospheric conditions;<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">any costs incurred in connection with the elimination of functional failures unless such failures were caused by an indemnifiable loss or damage to the insured items;<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">any costs incurred in connection with the maintenance of the insured items, such exclusion also applying to parts exchanged in the course of such maintenance operations;<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">loss or damage for which the manufacturer or supplier of the insured items is responsible either by law or under contract;<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">loss or damage to rented or hired equipment for which the owner is responsible either by law or under a lease and/or maintenance agreement;<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">consequential loss or liability of any kind or description;<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">loss or damage to bulbs, valves, tubes, ribbons, fuses, seals, belts, wires, chains, rubber tires, exchangeable tools, engraved cylinders, objects made of glass, porcelain or ceramic, sieves or fabrics, or any operating media (e.g. lubricating oil, fuel, chemicals); aesthetic defects, such as scratches on painted, polished or enameled surfaces.</li>\r\n</ol>\r\n\r\n<p style="text-align:justify">In respect of the parts mentioned under 1)&nbsp; above the Insurers shall be liable to provide compensation in the event that such parts are affected by an indemnifiable loss of or damage to the insured items.</p>\r\n\r\n<p style="text-align:justify"><strong>Provisions Applying to Section 1</strong></p>\r\n\r\n<p style="text-align:justify"><strong>Memo 1 - Sum Insured</strong></p>\r\n\r\n<p style="text-align:justify">It is a requirement of this insurance that the sum insured shall be equal to the cost of replacement of the insured items by new items of the same kind and same capacity which shall mean their replacement cost including e.g. freight, custom duties and dues, if any, and erection cost.&nbsp; If the sum insured is less than the amount required to be insured, the Insurers will pay only in such proportion as the sum insured bears to the amount required to be insured.&nbsp; Every item if more than one shall be subject to this condition separately.</p>\r\n\r\n<p style="text-align:justify"><strong>Memo 2 - Basis of Indemnity</strong></p>\r\n\r\n<ol start="1" style="list-style-type:lower-alpha">\r\n	<li style="text-align:justify">In case where damage to an item can be repaired, the Insurers shall pay expenses necessarily incurred to restore the damaged item to its former state of serviceability plus the cost of dismantling and re-erection incurred for the purpose of effecting the repairs as well as ordinary freight to and from a repair shop, customs duties and dues, if any, to the extent such expenses have been included in the sum insured.&nbsp; If the repairs are executed at a workshop owned by the Insured, the Insurers will pay the cost of materials and wages incurred for the purpose of the repairs plus a reasonable percentage to cover overhead charges.&nbsp; No deduction shall be made for depreciation in respect of parts replaced, but the value of any salvage shall be taken into account.<br />\r\n	<br />\r\n	If the cost of repairs as detailed hereinabove equals or exceeds the actual value of the items immediately before the occurrence of the damage, the settlement shall be made on the basis provided for in b) below.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">In cases where an insured item is destroyed, the Insurers will pay the actual value of the item immediately before the occurrence of the loss, including charges for ordinary freight, erection and custom duties, if any, to the extent such expenses have been included in the sum insured, such actual value to be calculated by deducting proper depreciation from the replacement value of the item.&nbsp; The insurers will also pay any normal charges for the dismantling of the item destroyed, but the value of any salvage will be taken into account.&nbsp; The destroyed item shall no longer be covered under this Policy, and all necessary data on the relevant substitute item shall be indicated for its inclusion in the Schedule.&nbsp; (The Insurers may agree &ndash; by application of the relevant endorsement &ndash; to extend this insurance to cover reimbursement of the full replacement value).<br />\r\n	<br />\r\n	As from the date of an indemnifiable occurrence the sum insured shall be reduced for the remaining period of insurance by the amount of indemnity paid, unless the sum insured is reinstated.<br />\r\n	<br />\r\n	Any extra charges incurred for overtime, night-work, work on public holidays, and express freight, are covered by this insurance only if especially agreed in writing.<br />\r\n	<br />\r\n	The cost of any alterations, additions, improvements or overhauls shall not be recoverable under this policy.<br />\r\n	<br />\r\n	The cost of any provisional repairs shall be borne by the Insurers if such repairs constitute part of the final repairs and do not increase the total repair expenses.<br />\r\n	<br />\r\n	The Insurers will make payments only after being satisfied by production of the necessary bills and documents that the repairs have been effected or replacement has taken place, as the case may be.</li>\r\n</ol>\r\n\r\n<p style="text-align:justify"><strong><u>SECTION 2 &ndash; EXTERNAL DATA MEDIA</u></strong></p>\r\n\r\n<p style="text-align:justify"><strong>Scope of Cover</strong></p>\r\n\r\n<p style="text-align:justify">The Insurers hereby agree with the Insured that if the external data media entered in the Schedule inclusive of the information stored thereon, which can be directly processed in EDP systems, shall suffer any material damage indemnifiable under Section 1 of this Policy, the Insurers will indemnify the Insured as hereinafter provided in respect of such loss or damage up to an amount not exceeding in any one year of insurance in respect of each of the data media specified in the Schedule the sum set opposite thereto and not exceeding in all the total sum insured hereby, provided always that such loss or damage occurs during the period of insurance stated in the Schedule or during any subsequent period for which the Insured pays the premium for the renewal of this Policy.&nbsp; This cover applies while the insured data media are kept on the Premises.</p>\r\n\r\n<p style="text-align:justify"><strong>Special Exclusions to Section 2</strong></p>\r\n\r\n<p style="text-align:justify">The Insurers shall not, however, be liable for</p>\r\n\r\n<ol start="1" style="list-style-type:lower-alpha">\r\n	<li style="text-align:justify">the deductibles stated in the Schedule to be borne by the Insured in any one occurrence;<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">any costs arising from false programming, punching, labeling or inserting, inadvertent canceling of information or discarding of data media, and from loss of information caused by magnetic fields;<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">consequential loss of any kind or description whatsoever.</li>\r\n</ol>\r\n\r\n<p style="text-align:justify"><strong>Provisions Applying to Section 2</strong></p>\r\n\r\n<p style="text-align:justify"><strong>Memo 1 - Sum Insured</strong></p>\r\n\r\n<p style="text-align:justify">It is a requirement of this insurance that the sum insured shall be the amount required for restoring the insured external data media by replacing lost or damaged data media by new material and reproducing lost information.</p>\r\n\r\n<p style="text-align:justify"><strong>Memo 2 - Basis of Indemnity</strong></p>\r\n\r\n<p style="text-align:justify">The Insurers will indemnify any expenses that can be proved to have been incurred by the Insurance within a period of twelve (12) months as from the date of the occurrence strictly for the purpose of restoring the insured external data media to a condition equivalent to that existing prior to the occurrence and necessary for permitting data processing operations to be continued in the normal manner.</p>\r\n\r\n<p style="text-align:justify">It is not necessary to reproduce lost data or information, or if such reproduction is not effected within twelve (12) months after the occurrence, the Insurers shall only be liable to indemnify the expenses incurred for replacing the lost or damaged data media themselves by new material.</p>\r\n\r\n<p style="text-align:justify">As from the date of an indemnifiable occurrence the sum insured shall be reduced for the remaining period of insurance by the amount of indemnity paid, unless the sum insured is reinstated</p>\r\n\r\n<p style="text-align:justify"><strong><u>SECTION 3 &ndash; INCREASED COST OF WORKING</u></strong></p>\r\n\r\n<p style="text-align:justify"><strong>Scope of Cover</strong></p>\r\n\r\n<p style="text-align:justify">The Insurers hereby agree with the Insured that if the material damage indemnifiable under Section 1 of this Policy give rise to a total or partial interruption of operation of the EDP equipment entered in the Schedule, the Insurers will indemnify the Insured as hereinafter provided for any additional expenditure incurred for the use of substitute EDP equipment not covered under this Policy up to an amount not exceeding the agreed indemnification&nbsp; per day and not exceeding in all the sum insured in any one year of insurance provided always that such interruption occurs during the period of insurance stated in the Schedule or during any subsequent period for which the Insured pays the premium for the renewal of this Policy.</p>\r\n\r\n<p style="text-align:justify"><strong>Special Exclusions to Section 3</strong></p>\r\n\r\n<p style="text-align:justify">The Insurers shall not, however, be liable for any additional expenditure incurred as a result of</p>\r\n\r\n<ol start="1" style="list-style-type:lower-alpha">\r\n	<li style="text-align:justify">restrictions imposed by public authorities concerning the reconstruction<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify">the necessary funds not being available to the Insured in time for repairing or replacing damaged or dest</li>\r\n</ol>\r\n\r\n<p style="text-align:justify"><strong>Provisions Applying to Section 3</strong></p>\r\n\r\n<p style="text-align:justify"><strong>Memo 1 - Sum Insured</strong></p>\r\n\r\n<p style="text-align:justify">It is a requirement of this insurance that the sum insured stated in the Schedule shall be the amount for which the Insured would have to pay as additional expenditure for twelve (12) months&rsquo; use of substitute EDP equipment of similar performance to the EDP equipment insured.&nbsp; The sum insured is to be based on the amounts agreed per day and per month as specified in the Schedule.</p>\r\n\r\n<p style="text-align:justify">The Insurers will also reimburse the Insured for personnel expenses and costs for transportation of materials following upon any event giving rise to a claim under this section provided separate sums therefore have been entered in the Schedule.</p>\r\n\r\n<p style="text-align:justify"><strong>Memo 2 - Basis of Indemnity</strong></p>\r\n\r\n<p style="text-align:justify">In the event of failure of the EDP equipment insured the Insurers shall be liable of the additional expenditure that can be proved to have been incurred for the period during which the use of substitute EDP equipment is essential, but at the most for the indemnity period agreed.</p>\r\n\r\n<p style="text-align:justify">The indemnity period shall commence as soon as the substitute equipment is put to use.</p>\r\n\r\n<p style="text-align:justify">The Insured shall bear that proportion of each claim which corresponds to the time excess agreed.</p>\r\n\r\n<p style="text-align:justify">If it is found following an interruption of the operation of the EDP equipment insured that the additional expenditure incurred during the period of interruption is higher than the proportionate share of the annual sum insured, which is applicable to this period, the Insurers shall only be liable to indemnify the Insured in respect of that proportion of the agreed annual sum insured which is applicable to the period of interruption, duly taking into account the indemnity period agreed.</p>\r\n\r\n<p style="text-align:justify">Any savings in cost shall be taken into account when calculating the indemnity amount to be paid by the Insurers.</p>\r\n\r\n<p style="text-align:justify">As from the date of an indemnifiable occurrence the sum insured shall be reduced for the remaining period of insurance by the amount of indemnity paid, unless the sum insured is reinstated.</p>\r\n', 15, '', '2015-09-02 17:04:29', '2015-09-02 17:32:04', 14, 14);
INSERT INTO `mstgeneralexclusion` (`code`, `short_name`, `exclusion_title`, `line_mst_code`, `subline_mst_code`, `default_peril_mst_codes`, `exclusion_text`, `print_order`, `remarks`, `created_at`, `updated_at`, `created_user_mst_code`, `updated_user_mst_code`) VALUES
(4, 'ENG-EAR-POL', 'ERECTION ALL RISKS POLICY', 5, 93, '', '<p style="text-align: justify;">WHEREAS THE INSURED NAMED in the Schedule hereto has made to ALLIEDBANKERS INSURANCE CORPORATION (hereinafter called &ldquo;the Insurers&rdquo;) a written proposal by completing a Questionnaire which together with any other statements made in writing by the Insured for the purpose of this Policy is deemed to be incorporated herein,</p>\r\n\r\n<p style="text-align: justify;">NOW THIS POLICY OF INSURANCE WITNESSETH that subject to the insured having paid to the Insurers the premium mentioned in the Schedule and subject to the terms, exclusions, provisions and conditions contained herein or endorsed hereon the Insurers will indemnify the Insured in the manner and to the extent hereinafter provided.</p>\r\n\r\n<p style="text-align: justify;"><strong>GENERAL EXCLUSIONS</strong></p>\r\n\r\n<p style="text-align: justify;">The Insurers will not indemnify the Insured in respect of loss, damage or liability directly or indirectly caused by or arising out of</p>\r\n\r\n<ol start="1" style="list-style-type:lower-alpha">\r\n	<li>\r\n	<p style="text-align: justify;">war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, riot, strike, lock&nbsp;out, civil commotion, military or usurped power a group of malicious persons or persons acting on behalf of or in connection with any political&nbsp;organization, conspiracy, confiscation, commandeering, requisition, destruction or damage by order of any government de jure or de facto or by any&nbsp;public authority;</p>\r\n	</li>\r\n	<li>\r\n	<p style="text-align: justify;">nuclear reaction, nuclear radiation or radioactive contamination;</p>\r\n	</li>\r\n	<li>\r\n	<p style="text-align: justify;">willful act or willful negligence of the Insured or of his representatives;</p>\r\n	</li>\r\n	<li>\r\n	<p style="text-align: justify;"><span style="font-size:13px">cessation of work whether total or partial.</span><span style="font-size:13px">​</span></p>\r\n	</li>\r\n</ol>\r\n\r\n<p style="text-align: justify;">In any action, suit or other proceeding where the Insurers allege that by reason of the provisions of Exclusion a) above any loss, destruction, damage or liability is not covered by this insurance the burden of proving that such loss, destruction, damage or liability is covered shall be upon the Insured.</p>\r\n\r\n<p style="text-align: justify;">PERIOD OF COVER</p>\r\n\r\n<p style="text-align: justify;">The liability of the Insurers shall commence, notwithstanding any date to the contrary specified in the Schedule, directly upon commencement of work or after the unloading of the items entered in the Schedule at the site and shall continue until immediately after taking over or after the first test operation or test loading is completed whatever is the earlier but not beyond four weeks (unless otherwise agreed in writing) from the date of commencement of the test.&nbsp; If, however, a part of a plant or one or several machine(s) is/are tested and/or put into operation or taken over, the cover for that particular part of the plant or machine(s) and any liability resulting therefrom ceases whereas the cover continues for the remaining parts.</p>\r\n\r\n<p style="text-align: justify;">In the case of second-hand items, the insurance hereunder shall, however, cease immediately on the commencement of the test.</p>\r\n\r\n<p style="text-align: justify;">At the latest the insurance shall expire on the date specified in the Schedule.</p>\r\n\r\n<p style="text-align: justify;"><strong>GENERAL CONDITIONS</strong></p>\r\n\r\n<ol>\r\n	<li style="text-align: justify;">The due observance and fulfillment of the terms of this Policy in so far as they relate to anything to be done or complied with by the Insured and the truth of the statements and answers in the questionnaire and proposal made by the Insured shall be a condition precedent to any liability of the Insurers.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align: justify;">The Schedule and the Section(s) shall be deemed to be incorporated in and form party of this&nbsp; Policy and the expression &ldquo;this Policy&rdquo; wherever used in this contract shall be read as including the Schedule and the Section(s).&nbsp; Any word or expression to which a specific meaning has been attached in any part of this Policy or of the Schedule or of the Section(s) shall bear such meaning wherever it may appear.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align: justify;"><span style="font-size:13px">The Insured shall at his own expense take all reasonable precautions and comply with all reasonable recommendations of the Insurers to prevent loss, damage or liability and comply with statutory requirements and manufacturers&rsquo; recommendations.</span></li>\r\n	<li style="text-align: justify;">&nbsp;\r\n	<ol start="1" style="list-style-type:lower-alpha">\r\n		<li>Representatives of the Insurers shall at any reasonable time have the right to inspect and examine the risk and the Insured shall provide the&nbsp;representatives of the Insurers with all details and information necessary for the assessment of the risk.<br />\r\n		&nbsp;</li>\r\n		<li>The Insured shall immediately notify the Insurers by telegram and in writing of any material change in the risk and cause at his own expense&nbsp;such&nbsp; additional precautions to be taken as circumstances may require, and the scope of cover&nbsp;and/or premium shall, if necessary, be&nbsp;<br />\r\n		<span style="font-size:13px">adjusted accordingly.</span><br />\r\n		<br />\r\n		No material alteration shall be made or admitted by the Insured whereby the risk is increased, unless the continuance of the insurance be confirmed in writing by the Insurer</li>\r\n	</ol>\r\n	</li>\r\n	<li style="text-align: justify;">In the event of any occurrence which might give rise to a claim under this Policy, the Insured shall<br />\r\n	&nbsp;\r\n	<ol start="1" style="list-style-type:lower-alpha">\r\n		<li>immediately notify the Insurers by telephone or telegram as well as in writing, giving an indication as to the nature and extent of loss or damage;<br />\r\n		&nbsp;</li>\r\n		<li>take all steps within his power to minimize the extent of the loss or damage;<br />\r\n		&nbsp;</li>\r\n		<li>preserve the parts affected and make them available for inspection by a representative or surveyor of the Insurers;<br />\r\n		&nbsp;</li>\r\n		<li>furnish all such information and documentary evidence as the Insurers may require;</li>\r\n		<li>\r\n		<p><span style="font-size:13px">inform the police authorities in case of loss or damage due to theft, burglary or a sabotage.<br />\r\n		<br />\r\n		The Insurers shall not in any case be liable for loss, damage or liability of which no notice has been received by the Insurers within 14 days of its occurrence.</span><br />\r\n		<br />\r\n		<strong>Upon notification being given to the Insurers under this condition, the Insured may carry out the repairs or replacement of any minor damage; in all other cases a representative of the Insurers shall have the opportunity of inspecting the loss or damage before any repairs or alterations are effected.&nbsp; If a representative of the Insurers does not carry out the inspection within 30 days, unless otherwise prevented to do so by reason of circumstances beyond the control of the Insurer, the Insured is entitled to proceed with the repairs or replacement.</strong><br />\r\n		<br />\r\n		The liability of the Insurers under this Policy in respect of any item sustaining damage shall cease if said item is not repaired properly without delay.</p>\r\n\r\n		<p>The amount of any loss or damage for which an Insurer may be liable, under this policy, shall be paid within thirty days after proof of loss is received by the Insurer and ascertainment of the loss or damage is made either by agreement between the Insured and the Insurer or by arbitration; but if such ascertainment is not had or made within sixty days after such receipt by the Insurer of the proof of loss, then the loss or damage shall be paid within ninety days after such receipt.&nbsp; Refusal or failure to pay the loss or damage within the time prescribed herein will entitle the assured to collect interest on the proceeds of the policy for the duration of the delay at the rate of six percent (6%) per annum, unless such failure or refusal to pay is based on the ground that the claim is fraudulent.</p>\r\n		</li>\r\n	</ol>\r\n	</li>\r\n	<li>\r\n	<p style="text-align: justify;">The Insured shall at the expense of the Insurers do and concur in doing and permit to be done all such acts and things as may be necessary or&nbsp;required by the Insurers in the interest of any rights or remedies, or of obtaining relief or indemnity from parties (other than those insured under this Policy) to which the Insurers shall&nbsp; be or would become entitled or subrogated upon their paying for or making good any loss or damage under this Policy, whether such acts and things shall be or become necessary or required before or after the Insured&rsquo;s indemnification by the Insurers.</p>\r\n	</li>\r\n	<li>\r\n	<p style="text-align: justify;">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&nbsp;the parties in difference or if they cannot agree upon a single arbitrator to the decision of two arbitrators one to be appointed in writing by each&nbsp;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&nbsp;arbitrators to the decision of an umpire to be appointed in writing by the arbitrators before entering on the reference and an award by the&nbsp;arbitrator or arbitrators or umpire shall be a condition precedent to any right of action against the company.</p>\r\n	</li>\r\n	<li>\r\n	<p style="text-align: justify;">If a claim is in any respect fraudulent, or if any false declaration is made or used in support thereof, or if any fraudulent means or devices are&nbsp;used by the Insured or anyone acting on his behalf to obtain benefit under this Policy, or if a claim be made and rejected and an action or suit be&nbsp;not commenced either in the Insurance Commission or any Court of competent jurisdiction within twelve (12) months from receipt of notice of&nbsp;such rejection, or in case of arbitration taking place as provided herein, within twelve (12) months after due notice of the award made by the&nbsp;arbitrator or arbitrators or umpire, then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder.<br />\r\n	&nbsp;</p>\r\n	</li>\r\n	<li>\r\n	<p style="text-align: justify;">If at the time any claim arises under the Policy there be any other insurance covering the same loss, damage or liability the insurers shall not be liable to pay or contribute more than their ratable proportion of any claim for such loss, damage or liability.&nbsp; If such other insurance is subject to&nbsp;any condition of advantage to the Insurers this Policy shall be subject to such conditions in a like manner.</p>\r\n	</li>\r\n	<li>\r\n	<p style="text-align: justify;">This insurance may be terminated by the Insurers after seven days&rsquo; notice to that effect being given to the Insured.&nbsp; However, no notice of&nbsp;cancellation shall be effective unless it is based on the occurrence after the effective date of the policy, of one or more of the following:</p>\r\n\r\n	<ol start="1" style="list-style-type:lower-alpha">\r\n		<li style="text-align: justify;">conviction of a crime arising out of acts increasing the hazard insured against;<br />\r\n		&nbsp;</li>\r\n		<li style="text-align: justify;">discovery of fraud or material misrepresentation;<br />\r\n		&nbsp;</li>\r\n		<li style="text-align: justify;">discovery of willful or reckless acts or omissions increasing the hazard insured against;<br />\r\n		&nbsp;</li>\r\n		<li style="text-align: justify;">physical changes in the property insured which result in the property becoming uninsurable; or<br />\r\n		&nbsp;</li>\r\n		<li style="text-align: justify;">a determination by the Commissioner that the continuation of the policy would violate or would place the Insurer in violation of this Code.<br />\r\n		<br />\r\n		All notices of cancellation shall be in writing, mailed or delivered to the named Insured at the address shown in the policy, and shall state (a) which of the grounds set forth above is relied upon and (b) that, upon written request of the named Insured, the Insurer will furnish the facts on which the cancellation is based.</li>\r\n	</ol>\r\n	</li>\r\n</ol>\r\n\r\n<p style="text-align: justify;"><strong>SECTION I&nbsp;&nbsp; -&nbsp;&nbsp; MATERIAL DAMAGE</strong></p>\r\n\r\n<p style="text-align: justify;">&nbsp;</p>\r\n\r\n<p style="text-align: justify;">The Insurers hereby agree with the Insured that if at any time during the period of cover the items or any part thereof entered in the Schedule shall suffer any unforeseen and sudden physical loss or damage from any cause, other than those specifically excluded, in a&nbsp; manner necessitating repair or replacement, the Insurers will indemnify the Insured in respect of such loss or damage as hereinafter provided by payment in cash, replacement or repair (at their own option) up to an amount not exceeding in respect of each of the items specified in the Schedule the sum set opposite thereto and not exceeding in any one event the limit of indemnity where applicable and not exceeding in all the total sum expressed in the Schedule as insured hereby.</p>\r\n\r\n<p style="text-align: justify;">The Company will also reimburse the insured for the cost of clearance and removal of debris following upon any event giving rise to an admissible claim under this policy but not exceeding in all the sum set opposite thereto in the Schedule.&nbsp; The term &ldquo;debris&rdquo; means debris only of the insured property and the cost of clearance and removal of debris pertaining to property not insured by the policy will not be payable.</p>\r\n\r\n<p style="text-align: justify;"><strong>SPECIAL EXCLUSIONS TO SECTION I</strong></p>\r\n\r\n<p style="text-align: justify;">The Insurers shall not, however, be liable for</p>\r\n\r\n<ol start="1" style="list-style-type:lower-alpha">\r\n	<li style="text-align: justify;">deductible stated in the Schedule to be borne by the Insured in any one occurrence;</li>\r\n	<li style="text-align: justify;">consequential loss of any kind or description whatsoever including penalties, losses due to delay, lack of performance, loss of contract;</li>\r\n	<li style="text-align: justify;">loss or damage due to faulty design;</li>\r\n	<li style="text-align: justify;">the cost of replacement, repair or rectification of defective material and/or workmanship, but this exclusion shall be limited to the items immediately&nbsp;affected and shall not be deemed to exclude loss of or damage to correctly executed items resulting from an accident due to such defective material&nbsp;and/or workmanship;</li>\r\n	<li style="text-align: justify;">wear and tear, corrosion, oxidation, deterioration due to lack of use and normal atmospheric conditions;</li>\r\n	<li style="text-align: justify;">mechanical and/or electrical breakdown or derangement of construction plant, equipment and construction machinery;</li>\r\n	<li style="text-align: justify;">loss of or damage to vehicles licensed for general road use or water borne vessels or aircrafts;</li>\r\n	<li style="text-align: justify;">loss of or damage to files, drawings, accounts, bills, currency, stamps, deeds, evidences of debt, notes, securities, cheques;</li>\r\n	<li style="text-align: justify;">loss or damage discovered only at the time of taking an inventory.</li>\r\n</ol>\r\n\r\n<p style="text-align: justify;"><strong>PROVISIONS APPLYING TO SECTION I</strong></p>\r\n\r\n<p style="text-align: justify;">Memo 1&nbsp;-&nbsp;Sums Insured</p>\r\n\r\n<p style="text-align: justify;">It is a requirement of this insurance that the sums insured stated in the Schedule (under items 1 and 2) shall not be less than not be&nbsp;less than the full value of each item at the completion of the erection, inclusive of freight,&nbsp;customs duties, dues, erection cost, and the&nbsp;Insured undertakes to increase or decrease the amounts of insurance in the event of any material fluctuation in the level of wages or&nbsp;prices provided always that such increase or decrease shall take effect only after the same has been recorded on the Policy by the&nbsp;Insurers.</p>\r\n\r\n<p style="text-align: justify;">If, in the event of loss or damage, it is found that the sums insured are less than the amounts required to be insured, then the amount recoverable by the Insured under this Policy shall be reduced in such proportion as the sums insured bear to the amounts required to be insured.&nbsp; Every object and cost item is subject to this condition separately.</p>\r\n\r\n<p style="text-align: justify;">Memo 2&nbsp;-&nbsp;Basis of Loss Settlement</p>\r\n\r\n<p style="text-align: justify;">In the event of any loss or damage the basis of any settlement under this Policy shall be</p>\r\n\r\n<ol start="1" style="list-style-type:lower-alpha">\r\n	<li style="text-align:justify">\r\n	<p>in the case of damage which can be repaired&nbsp;-&nbsp;the cost or repairs necessary to restore the items to their condition immediately before the&nbsp;occurrence of the damage less salvage, or</p>\r\n	</li>\r\n	<li style="text-align:justify">\r\n	<p>in the case of a total loss&nbsp;-&nbsp;the actual value of the items immediately before the occurrence of the loss less salvage,</p>\r\n	</li>\r\n</ol>\r\n\r\n<p style="text-align: justify;">however, only to the extent the costs claimed had to be borne by the Insured and to the extent they are included in the sums insured and provided always that the provisions and conditions have been complied with.</p>\r\n\r\n<p style="text-align: justify;">The Insurers will make payments only after being satisfied by production of the necessary bills and documents that the repairs have been effected or replacement has taken place, as the case may be.&nbsp; All damage which can be repaired shall be repaired, but if the cost of repairing any damage equals or exceeds the value of the items immediately before the occurrence of the damage, the settlement shall be made on the basis provided for in&nbsp; b) above.</p>\r\n\r\n<p style="text-align: justify;">The cost of any provisional repairs will be borne by the Insurers if such repairs constitute part of the final repairs and do not increase the total repair expenses.</p>\r\n\r\n<p style="text-align: justify;">The cost of any alterations, additions and/or improvements shall not be recoverable under this Policy.</p>\r\n\r\n<p style="text-align: justify;">Memo 3&nbsp;-&nbsp;Extension of Cover</p>\r\n\r\n<p style="text-align: justify;">Extra charges for overtime, nightwork, work on public holidays, express freight are covered by this insurance only if previously and specially agreed upon in writing.</p>\r\n\r\n<p style="text-align: justify;">Memo 4&nbsp; -&nbsp; Surrounding Property</p>\r\n\r\n<p style="text-align: justify;">Loss of or damage to property located on or adjacent to the site and belonging to or held in care, custody or control of the Principal(s) or the Contractor(s) shall only be covered if occurring in direct connection with the erection, construction or testing of the items insured under Section I and happening during the Period of Cover, and provided that a separate sum therefore has been entered in the Schedule under Section 1, item 4.&nbsp;This cover does not apply to construction/erection machinery and construction/erection plant and equipment.</p>\r\n\r\n<p style="text-align: justify;"><strong>SECTION II&nbsp;-&nbsp;THIRD PARTY LIABILITY</strong></p>\r\n\r\n<p style="text-align: justify;">The Insurers will indemnify the Insured up to but not exceeding the amounts specified in the Schedule against such sums which the Insured shall become legally liable to pay as damages consequent upon</p>\r\n\r\n<ol start="1" style="list-style-type:lower-alpha">\r\n	<li style="text-align: justify;">accidental bodily injury to or illness of third parties (whether fatal or not)</li>\r\n	<li style="text-align:justify">\r\n	<p>accidental loss of or damage to property belonging to third parties occurring in direct connection with the construction or erection of the items insured under&nbsp;Section 1 and happening on or in the immediate vicinity of the site during the Period of Cover.</p>\r\n	</li>\r\n</ol>\r\n\r\n<p style="text-align: justify;">In respect of a claim for compensation to which the indemnity provided herein applies, the Insurers will in addition indemnify the Insured against</p>\r\n\r\n<ol start="1" style="list-style-type:lower-alpha">\r\n	<li style="text-align: justify;">all costs and expenses of litigation recovered by any claimant from the Insured, and</li>\r\n	<li style="text-align:justify">\r\n	<p>all costs and expenses incurred with the written consent of the Insurers provided always that the liability of the Insurers under this section shall not exceed the&nbsp;limits of indemnity stated in the Schedule.</p>\r\n	</li>\r\n</ol>\r\n\r\n<p style="text-align: justify;"><strong>SPECIAL EXCLUSIONS TO SECTION II</strong></p>\r\n\r\n<p style="text-align: justify;">The Insurers will not indemnify the Insured in respect of</p>\r\n\r\n<ol>\r\n	<li style="text-align: justify;">the deductible stated in the Schedule to be borne by the Insured in any one occurrence;</li>\r\n	<li style="text-align: justify;">the expenditure incurred in doing or redoing or making good or repairing or replacing anything covered or coverable under Section I of this Policy;</li>\r\n	<li style="text-align: justify;">damage to any property or land or building caused by vibration or by the removal or weakening of support or injury or damage to any person or&nbsp;property occasioned by or resulting from any such damage;</li>\r\n	<li style="text-align: justify;">liability consequent upon\r\n	<ol start="1" style="list-style-type: lower-alpha;">\r\n		<li>bodily injury to or illness of employees or workmen of the Contractor(s) or the Principal(s) or any other firm connected with the project which or part of which is insured under Section I;</li>\r\n		<li>loss of or damage to property belonging to or held in care custody or control of the Contractor(s), the Principal(s) or any other firm connected with the project which or part of which is insured under Section I, or an employee or workman of one of the aforesaid;</li>\r\n		<li>any accident caused by vehicles licensed for general road use or by waterborne vessels or aircraft;</li>\r\n		<li>any agreement by the Insured to pay any sum by way of indemnity or otherwise unless such liability would have attached also in the absence of such agreement.</li>\r\n	</ol>\r\n	</li>\r\n</ol>\r\n\r\n<p style="text-align: justify;"><strong>SPECIAL CONDITIONS APPLYING TO SECTION II</strong></p>\r\n\r\n<ol>\r\n	<li style="text-align: justify;">\r\n	<p>No admission, offer, promise, payment or indemnity shall be made or given by or on behalf of the Insured without the written consent of the Insurers&nbsp;who shall be entitled, if they so desire, to take over and conduct in the name of the Insured the defense or settlement of any claim or to prosecute for&nbsp;their own benefit in the name of the Insured any claim for indemnity or damages or otherwise and shall have full discretion in the conduct of any&nbsp;<span style="line-height:1.6">proceedings or in the settlement of any claim and the Insured shall give all such information and assistance as the Insurers may require.</span></p>\r\n	</li>\r\n	<li style="text-align: justify;">\r\n	<p>The Insurers may so far as any accident is concerned pay to the Insured the limit of indemnity for any one accident (but deducting therefrom in such&nbsp;case any sum or sums already paid as compensation in respect thereof) or any lesser sum for which the claim or claims arising from such accident&nbsp;can be settled and the Insurers shall thereafter be under no further liability in respect of such accident under this section.</p>\r\n	</li>\r\n</ol>\r\n\r\n<p style="text-align: justify;"><strong>N&nbsp; O&nbsp; T&nbsp; I&nbsp; C&nbsp; E</strong></p>\r\n\r\n<p style="text-align: justify;">The Insurance Commissioner, with offices in Manila,&nbsp; is the government official in charge of the enforcement of all laws relating to insurance and has supervision over insurance companies.&nbsp; He is ready at all times to render assistance in settling any controversy between an Insurance Company and a policyholder relating to insurance matters.</p>\r\n\r\n<p style="text-align: justify;">For you own protection you re requested to read this Policy in full, including its conditions, and if it is not in accordance with your intentions, please return it immediately for correction.</p>\r\n\r\n<p style="text-align: justify;"><strong>CIVIL CODE ARTICLE 1250 WAIVER CLAUSE</strong></p>\r\n\r\n<p style="text-align: justify;">&nbsp;</p>\r\n\r\n<p style="text-align: justify;">IT IS HEREBY DECLARED AND AGREED that the provision of Article 1250 of the Civil Code of the Philippines (Republic Act No. 386) which reads:</p>\r\n\r\n<p style="text-align: justify;">&ldquo;In case an extraordinary inflation of deflation of the currency stipulated should supervene, the value of the&nbsp;currency at the time of the establishment of the obligation shall be the basis of payment,&rdquo;. . . .</p>\r\n\r\n<p style="text-align: justify;">shall not apply in determining the extent of liability under the provisions of this Policy.</p>\r\n\r\n<p style="text-align: justify;"><strong>OMNIBUS CLAUSE</strong></p>\r\n\r\n<p style="text-align: justify;">All applicable provisions of Presidential Decree No. 1460, otherwise known as the Insurance Code of 1978, as amended, as of the date of effectivity, latest renewal or latest reinstatement of this policy/certificate/contract of insurance, as the case may be, and all existing laws obligatory upon insurance companies as may be pertinent are deemed incorporated in this policy/certificate/contract of insurance and will supersede any agreement/contract inconsistent therewith.</p>\r\n', 20, '', '2015-09-02 17:44:24', '2015-09-03 11:04:31', 14, 14),
(5, 'CAS-FID-INS', 'FIDELITY GUARANTEE INSURANCE', 6, 89, '', '<p><span style="font-family:courier new,courier,monospace">WHEREAS the Insured employs or is about to employ the persons named in the Schedule hereto (hereinafter called the Employees) in the respective capacities specified therein and has made to ALLLIEDBANKERS INSURANCE CORP. (hereinafter called the Company),a written statement or statements and declaration the information in which is the basis of the Contract &nbsp;and is to be considered as incorporated herein and has paid to the Company the premium stated in the Schedule.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">NOW THIS POLICY WITNESSETH that, if within the period of guarantee or during any subsequent &nbsp;period in respect of which premium shall &nbsp;have been accepted &nbsp;by the Company, any of the Employees, shall, whilst acting in the capacity set opposite the name of such Employee in said Schedule, commit any or acts of FRAUD or DISHONESTY (which act &nbsp;are hereinafter called the acts insured against) the Company will make good to the Insured any financial loss which the Insured shall thereby directly sustain up to an amount not exceeding for all the acts insured against committed during the whole period of the subsistence of this &nbsp;Policy by the defaulting employee the sum set opposite the name of such Employee in said Schedule (subject to the deduction or set-off hereinafter mentioned).</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">PROVIDED that such act insured against is discovered not later than six months after the resignation, dismissal, retirement or death of the defaulting Employee, not later than three months after the termination of this Policy as regards such Employee whichever be the earlier.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">PROVIDED ALSO that any money which shall be due to the defaulting Employee from the Insured shall be set off against the amount agreed to be made good under this Policy and the balance of such last mentioned amount shall be the only sum payable by the Company, and that all money which at any time after the discovery of the default of the employee shall come into the power of the Insured shall be employed by the insured in making good the amount of the claim under this Policy.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">IT IS HEREBY FURTHER AGREED that any alterations in or additions to said Schedule which may be with the consent of the Company, shall on payment of an additional premium in respect of any increased liability, be deemed to be incorporated in this Policy.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">PROVIDED ALWAYS that if defalcations arising from acts insured against extend over a period during which the amount set opposite &nbsp;to the name of the defaulting Employee has been altered or realtered, the Company&#39;s liability in respect of any part of such period shall not exceed the amount set opposite his name in respect of that part of the period, nor shall it exceed, in respect of the whole period, the largest of the amount set opposite his name in respect of any part thereof.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">PROVIDED LASTLY, AND IT IS HEREBY DECLARED that this Agreement is entered into on the understanding that the Company shall alone be liable to answer and make good any claim hereunder and that no Officer of the Company shall in manner be personally liable or subject to any action, claim or demand by reason of his having signed this Agreement.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">C O N D I T I O N S</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">1.&nbsp;&nbsp; &nbsp;This Policy shall be void as to any of the Employees affected:</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">(a)&nbsp;&nbsp; &nbsp;If any suppression or misstatement of any fact affecting the risk of the<br />\nCompany be made at the time of effecting this Policy or subsequently; or</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">(b)&nbsp;&nbsp; &nbsp;If the precautions and checks for securing accuracy of accounts and limiting<br />\nthe amount of money received by or entrusted to any of the Employees at any<br />\none time, shall not be duly observed and put in practice on the part of the Insured in accordance with said written statement or statements; or</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">(c)&nbsp;&nbsp; &nbsp;If there be any change in the circumstances and conditions of the employment of any of the Employees without in every case the consent or sanctions of the Company, signified by endorsement hereon; or</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">(d)&nbsp;&nbsp; &nbsp;If the insured shall continue to entrust an Employee with money or any other property whatsoever after having discovered the commission at any time by the said Employee of any act insured against.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">In all cases where this Policy is void, or ceases to be in force, in respect of any employee, all money paid to the Company in respect of such employee shall be<br />\nforfeited.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">2. &nbsp;The Company shall not be liable for any loss, due to an act insured against, committed by the same Employee, shall have come to the Insured or to any Representative of the Insured to whom is entrusted the duty of superintendence over the said Employee.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">3.&nbsp;&nbsp; &nbsp;That Insured shall give notice in writing to the Company of any act insured against, committed by an Employee, immediately after the same shall have come to the knowledge of the Insured or of the Insured?s representative as aforesaid, stating the method of the fraud, the nature and extent of the loss so far as can be ascertained, and the last known address of the said Employee.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">4.&nbsp;&nbsp; &nbsp;Every claim under this Policy shall be lodge with the Company within two months after the date of such notice accompanied by full particulars and satisfactory proofs of the loss (verified if the Company shall so require by statutory declaration), and when any such loss has been made good and satisfied by the Company this Policy so far as regards the defaulter shall wholly cease and determine as to any further obligation of the Company.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">5. &nbsp;The Company shall be entitled, at its own benefit, in the name of the Insured or otherwise, to prosecute all claims and exercise all rights of action competent to the Insured, against any of the Employees, in respect of any acts insured against in connection with which it may have made a payment under this Policy; and the Insured shall give to the Company all such information and assistance as be reasonably required for maintaining any such claims or rights.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">6.&nbsp;&nbsp; &nbsp;The Insured shall, if required by the Company, give information and furnish evidence to the Criminal Authorities of any act or acts insured against, committed or supposed to have been committed, by any Employees, in consequence of which a claim may be made under this Policy and Insured shall if so required by the Company, forthwith prosecute the Employees for such acts, subject to the payment by the Company of all expenses necessarily incurred by the Insured in such prosecution.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">7.&nbsp;&nbsp; &nbsp;The Company shall only be liable to contribute pro rata with any other guarantee, whether by policy or otherwise, held by the Insured, whether such guarantee be now held by the Insured or be hereafter taken or acquired; and the Insured shall be bound to advise the Company of every such guarantee, and of any limitation, discharge or termination thereof.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">8. &nbsp; &nbsp; ACTION OR SUIT CLAUSE - if a claim be made and rejected and an action or suit be not commence either in the Insurance Commission or any Court of competent jurisdiction within twelve (12) months from receipt of notice of such rejection, or in case of arbitration taking place as provided herein, within twelve (12) months after due notice of the award made by the arbitrator or arbitrators or umpire, then the claim shall for all purpose be deemed to have been abandoned and shall not thereafter be recoverable hereunder.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">CANCELLATION CLAUSE - This Policy shall be cancelled by or on behalf of the<br />\nCompany except in accordance with and pursuant to the provisions of Section 64 and 65 of the Insurance Code. &nbsp;In the event of such cancellation, the Company shall refund the paid premium less the earned portion thereof to the insured. &nbsp;Likewise, the policy may be cancelled on the short rate basis set forth in the short cancellation table at the request of the assured.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">9.&nbsp;&nbsp; &nbsp;All notices including lodgments of claims required to be given by the Insured to the Company shall be given in writing to the Company at its Manila address or provincial branches address.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">10.&nbsp;&nbsp; &nbsp;The Company or the Insured may at any time cancel either this Policy in its entirely or the guarantee herein &nbsp;provided in &nbsp;respect of any particular Employee or Employees by written notice served upon or sent by registered mail to the other party and specifying therein the effective date of such cancellation. &nbsp;If the notice be served by the Company such date shall not be less than twenty five days after such service or if the notice be sent by registered mail by the Company such date shall not be less than thirty days after the date borned by the sender?s registry receipt. &nbsp;In case of cancellation by either party the Company shall return to the Insured a proportionate part of the premium corresponding to the unexpired term as the case may be of this Policy in its entirely or of the guarantee herein provided in respect of any particular Employee or Employees but in the event of payment by the Company of a loss on account of discovered after such cancellation the Insured shall refund to the Company the part of such return premium applicable to such Employee. &nbsp;The Company shall not be liable of any act hereby insured against discovered later three months after the cancellation of this Policy in its entirely nor shall the Company be liable in respect of any loss on account of any particular Employee or Employees discovered later than three months after the cancellation of the guarantee here in provided in respect of such Employee or Employees.&nbsp;</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">11.&nbsp;&nbsp; &nbsp;It is hereby declared and agreed that the provision of Article 1250 of the Civil Code of the Philippines (Republic Act No. 386) which reads:</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">&quot;-In case an extraordinary inflation of the currency stipulated should supervene, the value of the currency at the time of the establishment of the obligation shall be the basis of payment,&quot; &nbsp;shall not apply in determining the extent of liability under the provision of this policy.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">12.&nbsp;&nbsp; &nbsp;OMNIBUS CLAUSE - &nbsp;All applicable provisions of Presidential Decree No. 612, otherwise known as the Insurance Code, are deemed to have been incorporated in this policy, certificate or contract of insurance and will supersede any agreement/condition inconsistent &nbsp;therewith.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">13.&nbsp;&nbsp; &nbsp;None of the provisions, conditions and terms of this 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.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">14.&nbsp;&nbsp; &nbsp;ARBITRATION CLAUSE - &nbsp;All differences to the amount of any loss or damage covered by &nbsp;this Policy shall be referred to the decision of an arbitrator to be appointed by the parties in difference or if they cannot agree upon a single arbitrator &nbsp;to the decision of two arbitrators one to be appointed in writing by each of the parties with (3) three days after having been required in writing so to do by either of the parties or incase of the parties or in case of disagreement between the arbitrators to the decision of an Umpire to be appointed in writing by the arbitrators before entering upon the reference. &nbsp;TheUmpire shall sit &nbsp;with the Arbitrators and preside at their meetings. &nbsp;The makings of an award as provided herein shall be a conditions precedent to any right of action against the Insurers only in cases of differences as to the amount of a liability actually arising out of this Policy.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">15.&nbsp;&nbsp; &nbsp;SETTLEMENT OF &nbsp;CLAIMS - The amount of any loss or damage for which an insurer may be liable, shall be paid within thirty days after proof of loss is received by the insurer and ascertainment of the loss or damage is made either by agreement between the insured and the insurer or by arbitration; but is such ascertainment is not &nbsp;had or made within sixty days after such receipt by the insurer of the proof of loss, then the loss or damage &nbsp;shall be paid within ninety days after such receipt. &nbsp;Refusal or failure to pay the loss or damage within the time prescribed herein will entitle the assured to collect interest on the proceeds of the policy for the duration of the delay at the rate of twice the ceiling prescribed by the Monetary Board, unless such failure or refusal to pay is based on the ground that the claims is fraudulent.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">16.&nbsp;&nbsp; &nbsp;RENEWAL CLAUSE - &nbsp;In accordance with Section 66 of Presidential &nbsp;Decree No. 612, otherwise known as the Insurance Code, unless the Company at least forty five days in advance to the end of the Policy period, mails or delivers to the Assured at the address shown in the Policy, notice of its intention not to renew the Policy or to condition its renewal upon reduction of limits or elimination of coverages, the Assured shall be entitled to renew the Policy upon payment of the premium due on the effective date of renewal.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">IMPORTANT NOTICE</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">1.&nbsp;&nbsp; &nbsp;The &nbsp;INSURANCE COMMISIONER with offices in Manila, is the Government Official In charge of the enforcement of all laws relating to Insurance and has supervision over Insurance companies. &nbsp;He is ready at all times to render assistance in settling any controversy between an Insurance Company and a Policyholder relating to insurance matters.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">2.&nbsp;&nbsp; &nbsp;For your own protection you are requested to read this Policy in full, including its conditions, and, if it is not in accordance with your intentions, to return it immediately for corrections.</span></p>\n', 25, '', '2015-09-03 11:25:54', '2018-10-24 11:12:38', 14, 245);
INSERT INTO `mstgeneralexclusion` (`code`, `short_name`, `exclusion_title`, `line_mst_code`, `subline_mst_code`, `default_peril_mst_codes`, `exclusion_text`, `print_order`, `remarks`, `created_at`, `updated_at`, `created_user_mst_code`, `updated_user_mst_code`) VALUES
(6, 'ENG-PRF-POL', 'PROPERTY FLOATER POLICY', 5, 90, '', '<p style="text-align:justify">This Policy is issued in consideration of the payment by the Insured of the total premium and documentary stamps stipulated above, to the <strong>ALLIEDBANKERS INSURANCE CORPORATION</strong> (hereinafter called the Company) for insuring the property or properties described above, in the sum or several sums opposite thereto, subject to the foregoing stipulations and conditions and to the conditions printed on the succeeding pages hereof, which are hereby specially referred to and made a part of this policy together with such other provisions, agreements or conditions as may be endorsed hereon or added hereto; and no officer of this Company shall have the power to waive or be deemed to have waived any provision or condition of this Policy unless such waiver, if any, shall be written hereon or attached hereto, nor shall any privilege or permission affecting the insurance under this Policy exist or be claimed by the Assured to exist unless so written or attached, in such manner as prescribed under Section 50 of the Insurance Code.</p>\r\n\r\n<p style="text-align:justify"><strong>POLICY CONDITIONS</strong></p>\r\n\r\n<ol>\r\n	<li style="text-align:justify"><strong>MISREPRESENTATION AND FRAUD.&nbsp;</strong>This policy shall be void if the Assured has concealed or misrepresented any material factor or circumstance concerning the insurance or the subject thereof or in case of any fraud, attempted fraud or false swearing by the Assured touching any matter relating to this insurance or the subject thereof, whether before or after a loss.</li>\r\n	<li style="text-align:justify"><strong>VALUATION.&nbsp;</strong>Unless otherwise provided in form attached, this Company shall not be liable beyond the actual value of the property at the time any loss or damage occurs and the loss or damage shall be ascertained or estimated according to such actual cash value with proper deduction for depreciation, however caused, and shall in no event exceed what it would then cost to repair or replace the same with material of like kind and quality.</li>\r\n	<li style="text-align:justify"><strong>PAIR AND SET.&nbsp;</strong>It is understood and agreed that, in the event of loss of, or damage to any article or articles which are a part of a set, the measure of loss or damage to such article shall be a reasonable and fair proportion to the total value of the set, giving consideration to the importance of said articles, but in no event shall such loss or damage be construed to mean total loss of set.</li>\r\n	<li style="text-align:justify"><strong>PARTS.&nbsp;</strong>In case of loss or injury to any part of the insured property consisting when complete for sale or use, of several parts, this Company shall only be liable for the insured value of the part lost or damaged.</li>\r\n	<li style="text-align:justify"><strong>SUE AND LABOR.</strong>&nbsp;In case of loss or damage; it shall be lawful and necessary for the Assured, his or their factors, servants and assigns, to sue, labor, and travel for, in and about the defense, safeguard and recovery of the property insured hereunder, or any part therefore without prejudice to this insurance, nor shall the acts of the Assured or this Company in recovering, saving and preserving the property insured in case of loss or damage, be considered a waiver or an acceptance of abandonment to the charge whereof this Company will contribute according to the rate and quantity of the sum herein inured.</li>\r\n	<li style="text-align:justify"><strong>NOTICE OF LOSS.&nbsp;</strong>The Assured shall as soon as practicable report to the Company every loss or damage which may become a claim under this policy and shall also file with the Company within ninety (90) days from the date of loss a detailed sworn proof of loss.&nbsp; Failure by the Assured to report the said loss or damage and to file such sworn proof of loss as hereinbefore provided shall invalidate any claim under this policy for such loss.</li>\r\n	<li style="text-align:justify"><strong>DOUBLE RECOVERY.&nbsp;</strong>No loss shall be paid hereunder if the Assured has collected the same from others.</li>\r\n	<li style="text-align:justify"><strong>SETTLEMENT CLAUSE.&nbsp;</strong>The amount of any loss or damage for which the Company may be liable under this Policy shall be paid within thirty (30) days after proof of loss is received by the Company and ascertainment of the loss or damage is made either by agreement between the Assured 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 proof of loss, then the loss or damage shall be paid within ninety (90) days after such receipt.</li>\r\n	<li style="text-align:justify"><strong>REINSTATEMENT.&nbsp;</strong>Every claim paid hereunder reduces the amount insured by the sum so paid unless the same be reinstated by payment of additional premium thereon.</li>\r\n	<li style="text-align:justify"><strong>EXAMINATION UNDER OATH.&nbsp;</strong>The Assured shall submit, and so far as in within his or their power shall cause all other persons interested in the property and members of the household and employees to submit, to examinations under oath by any persons named by the Company, relative to any and all matters in connection with a claim and subscribe the same, and shall produce for examination all books of account, bills, invoices, and other vouchers or certified copies thereof if originals be lost, at such reasonable time and place as may be designated by the Company or its representatives and shall permit extracts and copies thereof to be made.</li>\r\n	<li style="text-align:justify"><strong>ARBITRATION CLAUSE.&nbsp;</strong>All differences as to the amount of any loss or damage covered by this Policy shall be referred to the decision of an arbitrator to be appointed by the parties in difference or if they cannot agree upon a single arbitrator to the decision of two arbitrators one to be appointed in writing by each of the parties within thirty (30) days after having been required in writing to do so by either of the parties or in case of disagreement between the arbitrators to the decision of an umpire to be appointed in writing by the arbitrators before entering on the reference and an award by the arbitrator or arbitrators or umpire shall be a condition precedent to any right of action against the Company.</li>\r\n	<li style="text-align:justify"><strong>BENEFIT OF INSURANCE.&nbsp;</strong>This&nbsp;insurance&nbsp;shall&nbsp;in&nbsp;no way inure directly or indirectly to the benefit of any carrier or other bailee.</li>\r\n	<li style="text-align:justify"><strong>SUBROGATION.&nbsp;</strong>In the event of any payment under this policy the Company shall be subrogated to all the Assured&rsquo;s rights of recovery against any person or organization and the Assured shall execute and deliver instruments and papers and do whatever else is necessary to secure such rights.</li>\r\n	<li style="text-align:justify"><strong>SUIT AGAINST COMPANY.&nbsp;</strong>If a claim be made and rejected and an action or suit be not&nbsp;commenced either in the Insurance Commission or any Court of competent jurisdiction within&nbsp;twelve (12) months from receipt of notice of such rejection, or in case of arbitration taking place&nbsp;as provided herein, within twelve (12) months after due notice of the award made by the arbitrator or arbitrators or umpire, then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder.</li>\r\n	<li style="text-align:justify"><strong>CANCELLATION</strong>.&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.&nbsp; In the event of such cancellation, the Company shall refund the paid premiums 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>\r\n	<li style="text-align:justify"><strong>CIVIL CODE WAIVER. </strong>&nbsp;IT IS HEREBY DECLARED AND AGREED that the provision of Article&nbsp;1250 of the Civil Code of the Philippine Republic Act No. 386 which reads:<br />\r\n	<br />\r\n	&ldquo;In case an extraordinary inflation or deflation of the currency stipulated should supervene, the value of the currency at the time of the establishment of the obligation shall be the basis of payment.&rdquo;. .&nbsp; shall not apply in determining the extent of liability under the provisions of this Policy.</li>\r\n	<li style="text-align:justify"><strong>NUCLEAR EXCLUSIONS.</strong>&nbsp; This Policy does not cover &ndash;\r\n	<ol style="list-style-type:lower-alpha">\r\n		<li>Loss or destruction of or damage to any property whatsoever or any loss or expense whatsoever resulting or arising therefrom or any consequential loss;</li>\r\n		<li>Any legal liability of whatsoever nature directly or indirectly caused by or contributed&nbsp;&nbsp; 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.&nbsp; For the purpose of this exclusion only combustion shall include any self-sustaining process of nuclear fission.</li>\r\n	</ol>\r\n	</li>\r\n</ol>\r\n\r\n<p style="text-align:justify"><strong>PROVISIONS</strong></p>\r\n\r\n<ol>\r\n	<li style="text-align:justify"><strong>PROPERTY INSURED</strong> &ndash; Covering upon the property and equipment described in the policy including appurtenances thereof, attached thereto and/or contained thereon, for an amount not exceeding that shown with respect of each scheduled item so stated in the Description.&nbsp;Warranted by the Assured that the property insured hereunder is in sound condition at the time&nbsp;of attachment of this Policy.</li>\r\n	<li style="text-align:justify"><strong>LIMIT OF LIABILITY</strong> &ndash; It is agreed that the limits of liability for which this Company may be&nbsp;&nbsp; liable for any loss, disaster or casualty including salvage charges, sue and labor, or other expenses, or all combined, shall not exceed &nbsp;<u>P4,320,000.00</u></li>\r\n	<li style="text-align:justify"><strong>THIS POLICY INSURES AGAINST:</strong><br />\r\n	<strong>ALL RISKS OF DIRECT PHYSICAL LOSS OR DAMAGE FROM ANY EXTERNAL CAUSE&nbsp;&nbsp; TO THE INSURED PROPERTY (INCLUDING GENERAL AVERAGE AND SALVAGE CHARGES FOR WHICH THE ASSURED BECOMES LEGALLY LIABLE) EXCEPT AS HEREINAFTER PROVIDED.</strong></li>\r\n	<li style="text-align:justify"><strong>THIS</strong> <strong>POLICY DOES NOT INSURE AGAINST:</strong>\r\n	<ol start="1" style="list-style-type:lower-alpha">\r\n		<li>Loss or&nbsp; Damage to&nbsp; the property insured caused by or resulting from wear and tear,&nbsp;gradual deterioration, inherent vice, latent defect, mechanical breakdown, corrosion,&nbsp; rust, dampness&nbsp; of&nbsp; the&nbsp; atmosphere or freezing unless such damage is result of a loss covered by this Policy;</li>\r\n		<li>Loss or&nbsp; damage&nbsp; to&nbsp; electrical&nbsp; appliances&nbsp; or&nbsp; devices&nbsp; of&nbsp; any kind, including wiring caused&nbsp;by electrical currents, artificially generated unless&nbsp; fire&nbsp; ensues, and then only for this Company&rsquo;s proportion of loss caused by such ensuing fire;</li>\r\n		<li>Loss&nbsp;or&nbsp;damage&nbsp;caused&nbsp;by&nbsp;repairing,&nbsp;adjustment&nbsp;servicing,&nbsp;or&nbsp;maintenance&nbsp;operation,&nbsp;unless fire or explosion ensues&nbsp;and&nbsp;then&nbsp;only&nbsp;for&nbsp;the loss or damage from such ensuing&nbsp;fire or explosion;</li>\r\n		<li>Theft, wrongful&nbsp;conversion&nbsp;or&nbsp;embezzlement&nbsp;by&nbsp;Assured&rsquo;s&nbsp; employees or by any&nbsp;person to whom the insured property is entrusted.</li>\r\n		<li>Loss or damage to tires or tubes due and confined&nbsp; to&nbsp; blowout, bruises, cuts&nbsp; or other&nbsp;causes&nbsp; inherent&nbsp; in&nbsp; the&nbsp; use&nbsp; of&nbsp; the&nbsp; equipment, unless&nbsp; such&nbsp; damage is the result of&nbsp; a loss covered by this Policy;</li>\r\n		<li>Loss or&nbsp;damage occasioned byweight&nbsp;of&nbsp;a&nbsp;load&nbsp;exceeding&nbsp;the&nbsp;registered lifting or&nbsp;supporting capacity of any machine;</li>\r\n		<li>Loss or damage&nbsp; caused&nbsp; by&nbsp; or&nbsp; resulting&nbsp; from&nbsp; strikes,&nbsp; lockouts, labor disturbances, riots, civil&nbsp; commotions, or&nbsp; the&nbsp; acts&nbsp; of&nbsp; any&nbsp; person&nbsp; or&nbsp; persons&nbsp;taking&nbsp;part in such&nbsp;occurrence or disorder;</li>\r\n		<li>Loss or damage caused directly or indirectly, by: (a) enemy attacked by armed forces,&nbsp;including action taken by&nbsp; military, naval, or&nbsp; air forces&nbsp; in&nbsp; resisting&nbsp; an&nbsp; actual&nbsp; or&nbsp; an&nbsp; immediately&nbsp;impending&nbsp;&nbsp; enemy&nbsp;attack;&nbsp;or&nbsp;(b)&nbsp;invasion,&nbsp;insurrection,&nbsp;rebellion,&nbsp;evolution, civil&nbsp; war, usurped&nbsp; power; or (c)&nbsp;seizure or destruction under quarantine or&nbsp;Customs&nbsp;regulations,&nbsp;confiscation&nbsp;by&nbsp;order&nbsp;of&nbsp; any&nbsp; government, or&nbsp; Public&nbsp; authority,&nbsp;or risks of contraband or illegal transportation or trade;</li>\r\n		<li>Consequential loss&nbsp;or&nbsp;damage&nbsp;of&nbsp;any&nbsp;kind&nbsp; or description whatsoever including (a)&nbsp; delay&nbsp;in&nbsp;completing, negotiating&nbsp; and&nbsp; loss&nbsp; of contracts; (b) deterioration and loss of market.</li>\r\n	</ol>\r\n	</li>\r\n	<li style="text-align:justify">Notwithstanding any other conditions contained herein it shall be optional with the Company in&nbsp;the event of loss or damage to the property insured to take delivery of such property;&nbsp;and also repair or replace the property lost or damaged with other of like&nbsp;kind and&nbsp; quality within reasonable time, provided notice of such intention is given within fifteen (15) days after receipt of satisfactory proof of loss.</li>\r\n	<li style="text-align:justify"><strong>DEDUCTIBLE&nbsp;</strong>-&nbsp;Each&nbsp;claim for loss or damage shall be adjusted separately and from the&nbsp; amount of each such adjusted claim or the applicable limit of liability, whichever is less, the sum of&nbsp; 1<u>% of sum insured each and every loss</u>&nbsp; shall be deducted.</li>\r\n	<li style="text-align:justify"><strong>CO-INSURANCE&nbsp;</strong>-&nbsp;This Company shall not be liable for a greater proportion of any loss or damage to the property scheduled herein than the total sum insured under said schedule bears to ONE HUNDRED (100%) percent of the actual cash value of said property at the time such loss or damage shall happen.</li>\r\n	<li style="text-align:justify"><strong>VALUATION -&nbsp;</strong>This Company shall not be liable beyond the actual cash value of the property at the time any loss or damage occurs and the loss or damage shall be ascertained or estimated according to such actual cash value with proper deduction for depreciation however caused,&nbsp;but in no event to exceed the amount of insurance; each item scheduled herein to be deemed separately insured.</li>\r\n</ol>\r\n\r\n<p style="text-align:justify">Sec. 77.&nbsp; An insurer is entitled to payment of the premium as soon as the thing insured is exposed to the peril insured against.&nbsp; Notwithstanding any agreement to the contrary, no&nbsp;&nbsp; policy&nbsp; or&nbsp; contract of&nbsp;&nbsp;&nbsp;&nbsp; insurance issued by an insurance company is valid and binding unless and until the premium thereof has been paid, except in the case of a life or industrial life policy whenever the grace period provision applies.</p>\r\n\r\n<p style="text-align:justify">The Insurance Commissioner, with offices in Manila, is the government official in charge of the enforcement of all laws relating to insurance and has supervision over insurance companies.&nbsp;He is ready&nbsp;at all times to render assistance in settling any controversy between an Insurance Company and a policyholder relating to insurance matters.</p>\r\n\r\n<p style="text-align:justify">For your own protection you are requested to read this Policy in full including its conditions,&nbsp;and if it is&nbsp;not in accordance with your intentions, please return it immediately for correction.</p>\r\n\r\n<p style="text-align:justify">DOCUMENTARY STAMPS to the value stated on this Policy are affixed and properly cancelled on the duplicate copy of the Policy.</p>\r\n', 30, '', '2015-09-03 11:53:58', '2015-09-03 11:56:19', 14, 14),
(7, 'CAS-MPL-INS', 'MEDICAL PROFESSIONAL LIABILITY INSURANCE', 6, 122, '', '<p style="text-align:justify"><strong>NOTICE</strong></p>\r\n\r\n<p style="text-align:justify">THIS INSURANCE IS WRITTEN ON A CLAIMS-MADE BASIS AND PROVIDES COVERAGE FOR THOSE CLAIMS WHICH ARE FIRST MADE WHILE THIS INSURANCE IS IN FORCE AND WHICH ARE THE RESULT OF WRONGFUL ACTS OCCURRING SUBSEQUENT TO THE RETROACTIVE DATE SHOWN IN ITEM 3 OF THE SCHEDULE PAGE.&nbsp; NO COVERAGE EXISTS FOR CLAIMS FIRST MADE AFTER THE END OF THE POLICY PERIOD UNLESS, AND TO THE EXTENT, AN EXTENDED REPORTING PERIOD APPLIES.&nbsp; THE INSURANCE PROVIDED BY THIS POLICY PROVIDES THAT THE LIMIT OF LIABILITY AVAILABLE TO PAY JUDGMENTS OR SETTLEMENTS WILL BE REDUCED BY AMOUNTS INCURRED FOR CLAIMS EXPENSES.&nbsp; CLAIMS EXPENSES SHALL ALSO BE APPLIED AGAINST THE DEDUCTIBLE AMOUNT.</p>\r\n\r\n<p style="text-align:justify">WHEREAS the Insured named in the Schedule (hereinafter referred to as <strong>&ldquo; the INSURED&rdquo;</strong>) by a written proposal and declaration, which shall be the basis of this contract and is deemed to be incorporated herein has applied to <strong>ALLIEDBANKERS INSURANCE CORPORATION</strong> (hereinafter referred to as <strong>&ldquo;the</strong> <strong>INSURER&rdquo;</strong>) for the insurance hereinafter contained and subject to payment of the Premium as stated in the Schedule.</p>\r\n\r\n<p style="text-align:justify">NOW THIS POLICY witnesses that in respect of contingencies happening during the Period of Insurance and subject to the limitations, exceptions, and conditions contained herein or endorsed hereon, the Insurer will compensate the Insured as hereinafter provided.</p>\r\n\r\n<p style="text-align:justify"><strong>SECTION I &ndash; INSURING AGREEMENTS</strong></p>\r\n\r\n<ol>\r\n	<li style="text-align:justify">\r\n	<p style="text-align:justify"><strong>PROFESSIONAL LIABILITY COVERAGE:</strong><br />\r\n	To pay on behalf of the Insured all sums in excess of the Deductible amount stated in the Schedule which the Insured shall become legally obligated to pay as LOSS because of any CLAIM or CLAIMS which may be made against them during the Period of Insurance for BODILY INJURY arising out of a WRONGFUL ACT which occurred on or after the RETROACTIVE DATE stated in the Schedule and within the GEOGRAPHICAL TERRITORY as hereinafter defined.</p>\r\n	Any CLAIM made against an Insured as a result of a WRONGFUL ACT to which this Insurance applies must first be made against the INSURED during the Period of Insurance and reported in writing to the Insurer as soon as possible during the Period of Insurance but not later than sixty (60) days thereafter.&nbsp; If during the Period of Insurance an Insured first becomes aware of a WRONGFUL ACT to which this Insurance applies and which might subsequently give rise to a Claim, and provides Insurer, during the Period of Insurance, with written notice containing names of injured parties and any witnesses and specifics of the time, place and nature of the WRONGFUL ACT, then any Claim subsequently made for the WRONGFUL ACT shall be treated as having been made when the Insurer first received notice of the WRONGFUL ACT.<br />\r\n	&nbsp;</li>\r\n	<li>\r\n	<p style="text-align:justify"><strong>DEFENSE COSTS, SETTLEMENT AND CLAIMS EXPENSES</strong><br />\r\n	<strong>(INCLUDED IN THE LIMITS OF LIABILITY):</strong></p>\r\n\r\n	<ol start="1" style="list-style-type:lower-alpha">\r\n		<li style="text-align:justify">The Insurer has the sole right to appoint counsel and the right and duty to defend any Claim or Suit brought against the Insured seeking Damages on account of a Wrongful Act even if such Claim or Suit is groundless, false, or fraudulent.<br />\r\n		<br />\r\n		The Insured shall not admit liability for or settle any Claim or Suit or incur any cost, charge or expense without the written consent of the Insurer.&nbsp; The Insurer has the right to make such investigation and conduct negotiations and, with the written consent of the Insured, enter into such settlement of any Claim or Suit as the Insurer deems expedient.<br />\r\n		<br />\r\n		If the Insured refuses to contest to any settlement or compromise recommended by the Insurer and acceptable to the claimant and elects to contest the Claim or Suit, the Insurer&rsquo;s liability shall not exceed the amount for which the Insurer would have been liable for Damages and Claims Expenses if the Claim or Suit had been so settled or compromised, when and as so recommended, and the Insurer shall have no liability for Claims Expenses accruing thereafter and the Insurer shall have the right to withdraw from the further defense of the Claim or Suit by tendering control of the defense thereof to the Insured.<br />\r\n		<br />\r\n		The Insurer shall not be obligated to pay any Claim, judgment, award or Claims Expenses, or to undertake or continue defense of any Claim or Suit after the applicable limit of the Insurer&rsquo;s liability has been exhausted by payment of judgments, awards, settlements or Claims Expenses or after deposit of the applicable limit of the Insurer&rsquo;s liability in a court of competent jurisdiction, and that in such a case, the Insurer shall have the right to withdraw from further defense of the Claim or Suit by tendering control of the defense thereof to the Insured.<br />\r\n		&nbsp;</li>\r\n		<li style="text-align:justify">The Insurer shall pay all expenses it incurs in any Suit defended by it and brought against the Insured alleging a Wrongful Act, all costs taxed against the Insured in any Suit, and all interest on the entire amount of any judgment therein which accrues after entry of the judgment and before the Insurer has paid, tendered or deposited in court that part of the judgment which does not exceed the limit of the Insurer&rsquo;s liability thereon.<br />\r\n		&nbsp;</li>\r\n		<li style="text-align:justify">The Insurer shall pay premium on appeal bonds required in any Suit defended by the Insurer and brought against the Insured alleging a Wrongful Act, and/or premiums on bonds to release attachments for an amount not in excess of the applicable Limit of Liability of this Policy, but without any obligation to apply for or furnish any such bonds.<br />\r\n		&nbsp;</li>\r\n		<li style="text-align:justify">The Insurer shall pay all reasonable expenses, other than the loss of earnings, incurred by the Insured at the Insurer&rsquo;s request.<br />\r\n		&nbsp;</li>\r\n	</ol>\r\n	</li>\r\n	<li style="text-align:justify"><strong>DEFINITIONS</strong>\r\n	<ol start="1" style="list-style-type:lower-alpha">\r\n		<li><strong>INSURED</strong><br />\r\n		The term means, the partnership described in the Schedule, including each member therof with respect to the acts or omissions of others, but the inclusion herein of more than one insured shall not operate to increase the Limits of Insurer&rsquo;s Liability.<br />\r\n		&nbsp;</li>\r\n		<li><strong>BODILY INJURY</strong><br />\r\n		The term means physical injury to the body, sickness, disease and mental injury or death resulting therefrom.&nbsp; Mental Injury shall mean any physical injury to the brain or any part thereof which can be detected, traced or registered in any of the following brain examinations:\r\n		<ul style="list-style-type:disc">\r\n			<li>Computerized Tomographic Scanning (CTScan)</li>\r\n			<li>Positron Emission Tomography (PET)</li>\r\n			<li>Cerabral Angiography</li>\r\n			<li>Electroencephalography (EEG)</li>\r\n			<li>Electonystagmography</li>\r\n			<li>Digital Intravenous Subtraction Angiography (DISA)</li>\r\n			<li>Magnetic Resonance Imaging (MRI)</li>\r\n			<li>Radionuclide Imaging</li>\r\n			<li>Myelography</li>\r\n			<li>Electromyography (EMG)</li>\r\n			<li>Echoencephalography<br />\r\n			&nbsp;</li>\r\n		</ul>\r\n		</li>\r\n		<li><strong>CLAIM</strong><br />\r\n		Claim means a written demand for money naming the Insured and alleging a WRONGFUL ACT to which this insurance applies.<br />\r\n		&nbsp;</li>\r\n		<li><strong>CLAIMS EXPENSES</strong><br />\r\n		Claims expenses shall mean reasonable and necessary costs, charges and expenses incurred in the defense of a claim, inclusive of appeals and any awards of pre-judgment or post-judgment interest, but shall not include the salary or expense charges of regular employees or of the officers of the Insured.<br />\r\n		&nbsp;</li>\r\n		<li><strong>LOSS</strong><br />\r\n		Loss shall mean:\r\n		<ol start="1" style="list-style-type:lower-roman">\r\n			<li>damages, judgments and costs awarded against the Insured by a court or tribunal empowered to do so; and</li>\r\n			<li>settlements entered into with the Insurers&rsquo; prior consent (such consent not to be unreasonably withheld); and</li>\r\n			<li>Claims Expenses as defined in this Policy.<br />\r\n			<br />\r\n			Loss shall not include civil or criminal fines or penalties imposed by law, non-compensatory damages including punitive or exemplary damages, taxes or any amount for which the Insured is not legally liable to pay.<br />\r\n			​</li>\r\n		</ol>\r\n		</li>\r\n		<li><strong>PERIOD OF INSURANCE</strong><br />\r\n		The period of time between the inception date shown in the Schedule and the effective date of expiration or cancellation of this Policy and specifically excludes any Extended Reporting Period hereunder.<br />\r\n		&nbsp;</li>\r\n		<li><strong>SUIT</strong><br />\r\n		A civil action or proceeding alleging monetary. Damages because of a WRONGFUL ACT to which this insurance applies.<br />\r\n		&nbsp;</li>\r\n		<li><strong>WRONGFUL ACT</strong><br />\r\n		Any actual or alleged malpractice, error, neglect, omission or mistake in rendering or failure to render professional services in the practice of the Insured&rsquo;s profession described in the Schedule and in the institution named in the Schedule.<br />\r\n		&nbsp;</li>\r\n		<li><strong>INTERRELATED WRONGFUL ACTS</strong><br />\r\n		Wrongful Acts that have as a common nexus any fact, circumstance, situation, event, transaction, cause or series of casually connected facts, circumstances, situations, events, transactions or causes.<br />\r\n		&nbsp;</li>\r\n		<li><strong>GEOGRAPHICAL TERRITORY</strong><br />\r\n		In respect of this Insurance, Geographical Territory shall be limited to the PHILIPPINES ONLY.<br />\r\n		​</li>\r\n	</ol>\r\n	</li>\r\n	<li style="text-align:justify"><strong>EXTENDED REPORTING PERIOD</strong><br />\r\n	In the event of the termination of this insurance by reason of non-renewal or cancellation by the Insured, or if the Insurer cancels or refuses to renew this insurance for reasons other than the Insured&rsquo;s non-payment of premium or Insurer cancels or non-compliance with the terms and conditions of this Policy, the Insured shall have the right upon payment of an additional premium to extend the Claims reporting period to apply to Claims first made against the Insured for an additional period.&nbsp; This period shall hereinafter be referred to as the Extended Reporting Period and will be described on the Extended Reporting Period endorsement.&nbsp; The Insured will have the option to purchase one Extended Reporting Period endorsement for a duration of one (1) year for an additional premium of 50% of the total annual premium.&nbsp; Claims made during the Extended Reporting Period must arise out of a WRONGFUL ACT which occurs subsequent to the Retroactive Date stated in the Schedule and prior to the date of non-renewal or cancellation, and are otherwise subject to the terms and conditions of this Policy.&nbsp; The premium shall be computed in accordance with the Insurer&rsquo;s rules, rates, rating plans and premiums applicable on the effective date of non-renewal or cancellation.<br />\r\n	<br />\r\n	If, however, this Policy is immediately succeeded by similar claims-made insurance coverage on which the Retroactive Date is the same as, or earlier than that shown in the Schedule of this Policy, the succeeding insurance shall be deemed to be a renewal hereof, and in consequence the Insured shall no longer have any right to purchase an Extended Reporting Period.<br />\r\n	<br />\r\n	The quotation of a different premium and/or Limit of Liability for renewal does not constitute a refusal to renew for the purpose of this provision.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify"><strong>LIMITS OF LIABILITY</strong><br />\r\n	The Limit of liability stated in the Schedule as applicable to &ldquo;Each Claim&rdquo; is the limit of the Insurer&rsquo;s liability for all amounts payable hereunder in settlement or satisfaction of Claims, judgments or awards and Claims Expenses arising out of the same WRONGFUL ACT without regard to the number of Insureds, Claims, demands, Suits or proceedings or claimants.&nbsp; If additional Claims are subsequently made which arise out of the same WRONGFUL ACT as Claims already made and reported to the Insurer, all such Claims, whenever made, shall be considered first made when the earliest Claim arising out of such WRONGFUL ACT was first made and all such Claims shall be subject to one such Limit of Liability.<br />\r\n	<br />\r\n	The Limit of Liability stated in the Schedule as &ldquo;Aggregate&rdquo; is, subject to the above provisions respecting &ldquo;Each WRONGFUL ACT&rdquo;, the limit of the Insurer&rsquo;s liability for all amounts payable hereunder in settlement or satisfaction of Claims, judgments or awards and Claims Expenses arising out of Claims first made and reported to the Insurer during the Period of Insurance or during the Extended Reporting Period.&nbsp; The aggregate Limit of Liability for the Extended Reporting Period shall be part of and not in addition to the aggregate Limit of Liability for the Period of Insurance.<br />\r\n	<br />\r\n	For purposes of the Limits of Liability, a series of continuous, repeated or interrelated WRONGFUL ACTs shall be considered as one WRONGFUL ACT.&nbsp; The inclusion herein of more than one Insured shall not operate to increase the limits of the Insurer&rsquo;s liability.<br />\r\n	<br />\r\n	The Limit(s) of Liability available to pay judgments or settlements, shall be reduced by Claims Expenses.<br />\r\n	<br />\r\n	If the Limits of Liability are exhausted prior to settlement or judgment of any pending Claim, the Insurer shall have the right to withdraw from the further investigation or defense thereof by tendering control of such investigation or defense to the Insured, and the Insured agrees, as a condition to the Issuance of this Policy, to accept such tender.<br />\r\n	&nbsp;</li>\r\n	<li style="text-align:justify"><strong>DEDUCTIBLE</strong><br />\r\n	The Insurer shall only be liable for those amounts payable hereunder in settlement or satisfaction of Claims, judgments or awards, or Claims Expenses which are in excess of the Deductible stated in Item 8 of the Schedule.&nbsp; This Deductible shall apply to each WRONGFUL ACT and shall be borne by the Insured and remain uninsured.&nbsp; For purposes of the Deductible, Claims arising out of the same &ldquo;WRONGFUL ACT&rdquo; or out of a series of continuous,&nbsp; repeated or INTERRELATED WRONGFUL ACTS shall be considered as arising out of one WRONGFUL ACT, and only one Deductible amount shall apply thereto.</li>\r\n</ol>\r\n\r\n<p style="text-align:justify"><strong>SECTION II &ndash; EXCLUSIONS</strong></p>\r\n\r\n<p style="text-align:justify">This POLICY does not apply to any CLAIM or CLAIMS arising out of:</p>\r\n\r\n<ol start="1" style="list-style-type:lower-alpha">\r\n	<li style="text-align:justify">any consequence of war, invasion, acts of foreign enemy, hostilities (whether war be declared or not), civil war, terrorism, rebellion, revolution, insurrection or military or usurped power;</li>\r\n	<li style="text-align:justify">directly or indirectly caused 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 purpose of this exclusion, combustion shall include any self-sustaining process of nuclear fission</li>\r\n	<li style="text-align:justify">Any criminal act or any act committed in violation of any law or ordinance;</li>\r\n	<li style="text-align:justify">Services rendered while under the influence of intoxicants or narcotics;</li>\r\n	<li style="text-align:justify">Medical services rendered without any diagnostic or therapeutic reasons; in case of plastic/aesthetic surgery cover is granted only for re-constructive surgery as a necessary consequence of accident and/or congenital deformation;</li>\r\n	<li style="text-align:justify">Treatment/services rendered to provoke/avoid gravidity/pro-creation, including operations to produce sterility, in-vitro-fertilization and/or abortions;</li>\r\n	<li style="text-align:justify">Damages of whatsoever nature directly or indirectly caused by or contributed to or arising from ionizing radiation or contamination by radioactivity.</li>\r\n	<li style="text-align:justify">Liability of others assumed by the insured under any contract or agreement or to liability assumed by the Insured under any agreement guaranteeing the result of any treatment;</li>\r\n	<li style="text-align:justify">Liability of the insured as proprietor, superintendent or executive director and/or officer of any hospital, sanitarium, clinic with bed and board facilities, laboratory or business enterprise;</li>\r\n	<li style="text-align:justify">Genetic damages/manipulation;</li>\r\n	<li style="text-align:justify">The use of drugs for weight reduction;</li>\r\n	<li style="text-align:justify">Any procedure which implants or injects into the human body any kin of substance or tissue or object;</li>\r\n	<li style="text-align:justify">Any pathological investigation, procedure or diagnosis in respect&nbsp; of human tissue;</li>\r\n	<li style="text-align:justify">Operation of blood banks except where these are purely providing blood or blood products for the herewith insured operations;</li>\r\n	<li style="text-align:justify">The performance by dentists and dental surgeons of general anaesthesia&nbsp; or any procedure carried out under general anaesthesia unless performed in an accredited and licensed hospital;</li>\r\n	<li style="text-align:justify">Acquired Immune Deficiency Syndrome, AIDS related complex or any sickness, illness or disease, including death at any time resulting therefrom which is contributed by or exacerbated by Acquired Immune Deficiency Syndrome, AIDS related complex.<br />\r\n	Any manifestation or consequence of the fear of the infection by any HIV-related viruses or of the fear of AIDS.</li>\r\n</ol>\r\n\r\n<p style="text-align:justify"><strong>SECTION III &ndash; GENERAL CONDITIONS</strong></p>\r\n\r\n<p style="text-align:justify">This Policy and the Schedule shall be read together as one contract and any word or expression to which a specific meaning has been attached in any part of this Policy or of the Schedule shall bear such specific meaning wherever it may appear.</p>\r\n\r\n<p style="text-align:justify"><strong>Assignment, Termination</strong><br />\r\nAssignment of interest under this Policy shall not bind the Insurer until its consent is endorsed hereon.&nbsp; However, if the Insured shall die or be adjudged incompetent, this Policy shall thereupon terminate but shall cover the Insured&rsquo;s legal representative as the Insured with respect to liability previously incurred and covered by this Policy.&nbsp; Pro-rata return premium will be computed from the date of termination.</p>\r\n\r\n<p style="text-align:justify"><strong>Action Against the Insurer</strong><br />\r\nNo action shall lie against the Insurer unless, as a condition precedent thereto, the Insured shall have fully complied with all the terms of this Policy, not until the amount of the Insured&rsquo;s obligation to pay shall have been finally determined either by judgment against the Insured after actual trial or by written agreement of the Insured, the claimant and the Insurer.</p>\r\n\r\n<p style="text-align:justify">Any person or organization or the legal representative thereof who has secured such judgment or written agreement shall hereafter 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 Insurer as a co-defendant in any action against the insured to determine the Insured&rsquo;s liability.</p>\r\n\r\n<p style="text-align:justify">If a claim be made and rejected and an action or suit be not commenced either in the Insurance Commission or any Court of competent jurisdiction within twelve (12) months from receipt of notice of such rejection or in case of arbitration taking place as provided herein, within twelve (12) months after due notice of the award made by the arbitrator or arbitrators or umpire, then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder.</p>\r\n\r\n<p style="text-align:justify"><strong>Cancellation</strong><br />\r\nThis Policy shall not be cancelled by the Insurer except in accordance and pursuant with the provisions of Sections 64 and 65 of the Insurance Code.&nbsp; In the event of such cancellation, the Insurer shall refund the paid premiums less the earned portion thereof to the Insured pro-rata.&nbsp; Likewise, at the request of the Insured this Policy may be cancelled on the short rate basis set forth in the short rate cancellation table.</p>\r\n\r\n<p style="text-align:justify"><strong>Short Rate Cancellation Table</strong><br />\r\nThis Table applies only to policies issued for a term of one year.&nbsp; The earned premium retained by the Insurer shall be in accordance with the applicable percentage indicated below, but in no event less than the Insurer&rsquo;s customary minimum premium.</p>\r\n\r\n<ul>\r\n	<li style="text-align:justify">5 days or less - 6</li>\r\n	<li style="text-align:justify">Up to 10 days - 10</li>\r\n	<li style="text-align:justify">Up to 15 days - 13</li>\r\n	<li style="text-align:justify">Up to 20 days - 17</li>\r\n	<li style="text-align:justify">Up to one month - 20</li>\r\n	<li style="text-align:justify">Up to two months - 30</li>\r\n	<li style="text-align:justify">Up to three months - 40</li>\r\n	<li style="text-align:justify">Up to four months - 50</li>\r\n	<li style="text-align:justify">Up to five months - 60</li>\r\n	<li style="text-align:justify">Up to six months - 70</li>\r\n	<li style="text-align:justify">Up to seven months - 75</li>\r\n	<li style="text-align:justify">Up to eight months - 80</li>\r\n	<li style="text-align:justify">Up to nine months - 90</li>\r\n	<li style="text-align:justify">Over nine months - 100</li>\r\n</ul>\r\n\r\n<p style="text-align:justify"><strong>Changes and Alterations</strong><br />\r\nNotice 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 Insurer from asserting any right under the terms of this Policy; nor shall the terms of this Policy be waived or altered except when made by written endorsement signed by an authorized representative of the Insurer and issued in accordance with the pertinent provisions of <strong>Section 50 of the Insurance Code.</strong></p>\r\n\r\n<p style="text-align:justify"><strong>Declarations</strong><br />\r\nBy acceptance of this Policy the Insured agrees and warrants that all information contained in the Application Form and attachment are correct and accurate, that this Policy is issued in reliance upon the truth of such representations.&nbsp; If such information is incorrect or misleading, the Insurer may at its sole discretion either:</p>\r\n\r\n<ol start="1" style="list-style-type:lower-alpha">\r\n	<li style="text-align:justify">void the Policy at its Inception Date and return the Premium to the Insured; or</li>\r\n	<li style="text-align:justify">continue the indemnification of the Insured but exclude any claims which may result from the&nbsp;misleading or incorrect information.</li>\r\n</ol>\r\n\r\n<p style="text-align:justify"><strong>False, Fraudulent Claims</strong><br />\r\nIf the Insured makes any claim knowing the same to be false or fraudulent, as regards amount or otherwise, this insurance shall become void and all claims thereupon shall be forfeited.</p>\r\n\r\n<p style="text-align:justify"><strong>Inspection and Audit</strong><br />\r\nThe Insurer shall be permitted to inspect the premises and to examine and audit the Insured&rsquo;s books and records at any time during the Period of Insurance and any extension thereof and within three years after the final termination if this Policy, as far as they relate to the premium bases of the subject matter of this insurance.</p>\r\n\r\n<p style="text-align:justify"><strong>Jurisdiction</strong><br />\r\nThe indemnity provided by this Policy shall apply only in respect of compensation resulting from judgment rendered or obtained from a court in the Jurisdiction stated in the Schedule, as well as charges, expenses and legal costs incurred and recoverable in the same jurisdiction.</p>\r\n\r\n<p style="text-align:justify"><strong>Other Insurance</strong><br />\r\nIf any Loss arising from any Claim is insured by another valid policy or policies, then the Insurer shall not be liable under this Policy for a greater proportion of such Loss than the applicable limit of liability stated in the Schedule bears to the total applicable limit of liability of all valid and collectible insurance against such Loss, unless&nbsp; such other insurance is written specifically excess of this Policy.</p>\r\n\r\n<p style="text-align:justify"><strong>Receipt of Payment Clause</strong><br />\r\nExcept only in those specific cases where corresponding rules and regulations which now are or may hereafter be in force provide for the payment of the stipulated premiums in periodic installments at fixed percentages, it is hereby agreed, declared and warranted that this Policy shall be deemed effective valid and binding upon the Insurer only when the premiums and documentary stamps therefore have actually been paid and duly acknowledged in a receipt signed by any authorized official or representative/agent of the Insurer.</p>\r\n\r\n<p style="text-align:justify"><strong>Renewal Clause (Sec. 66, Insurance Code)</strong><br />\r\nUnless the Insurer at least forty&ndash;five (45) days prior to the end of the Period of Insurance mails or delivers to the named Insured at the address shown in the Policy Schedule notice not to renew the policy or to condition its renewal upon reduction of its limits or elimination of coverage, the named insured shall be entitled to renew the policy upon payment of the premium due on the effective date of the renewal.&nbsp; Any policy written for a term of less than one year shall be considered as if written for a term of one year.&nbsp; Any policy written for a term longer than one year or any policy with no fixed expiration date shall be considered as if written for successive policy periods or terms of one year.</p>\r\n\r\n<p style="text-align:justify"><strong>Settlement of Claim Clause (Sec. 243, Insurance Code)</strong><br />\r\nThe amount of any loss or damage for which the Insurer may be liable under this policy, shall be paid within thirty days after proof of loss is received by the Insurer and ascertainment of the loss or damage is made either by agreement between the Insured and the Insurer or by arbitration; but if such ascertainment is not had or made within sixty days after such receipt by the Insurer of the proof of loss, then the loss of damage shall be paid within ninety days after such receipt.&nbsp; Refusal or failure to pay the loss or damage within the time prescribed herein will entitle the Insured to collect interest on the proceeds of the policy for the duration of the delay at the rate of six percent per annum, unless such failure or refusal to pay is based on the ground that the claim is fraudulent.</p>\r\n\r\n<p style="text-align:justify"><strong>Subrogation</strong><br />\r\nIn the event of any payment under this Policy, the Insurer shall be subrogated to the extent of such payment to all rights of recovery thereof against any person or organization, and the Insured shall execute and deliver all instruments and papers required and shall do everything that may be necessary to secure and preserve such rights including the execution of such documents necessary to enable the Insurer effectively to bring suit in the name of the Insurer.</p>\r\n\r\n<p style="text-align:justify"><strong>NOTICE:</strong>&nbsp;THE INSURANCE COMMISSIONER, with offices in Manila, Cebu, Dagupan and Davao is the Government Official in charge of the enforcement of all laws relating to Insurance and has supervision over insurance companies.&nbsp; He is ready at all times to render assistance in settling any controversy between an insurance Company and a policyholder relating to insurance matters.</p>\r\n', 35, '', '2015-09-03 12:03:02', '2015-09-03 14:26:45', 14, 14);
INSERT INTO `mstgeneralexclusion` (`code`, `short_name`, `exclusion_title`, `line_mst_code`, `subline_mst_code`, `default_peril_mst_codes`, `exclusion_text`, `print_order`, `remarks`, `created_at`, `updated_at`, `created_user_mst_code`, `updated_user_mst_code`) VALUES
(8, 'CAS-MSP-ROB', 'MONEY, SECURITIES AND PAYROLL ROBBERY POLICY', 6, 88, '', '<p><span style="font-family:courier new,courier,monospace">WHEREAS the Insured carrying on the Business described in the Schedule and no other for the purpose of this Insurance by a Proposal and Declaration which shall be the basis of this contract and is deemed to be incorporated herein has applied to the Company for the Insurance hereinafter contained and has paid or agreed to pay the Total Premium as consideration for such Insurance.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">NOW THIS POLICY WITNESSETH that in respect of loss or damage occurring during the Period of Insurance and subject to the terms provisos exceptions and conditions contained in or endorsed on or otherwise expressed in this Policy.<br />\nIT IS HEREBY AGREED as follows:</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">SECTION I - MONEY AND SECURITIES WITHIN PREMISES<br />\nThe Company will subject to the Limits for this Section as hereinafter provided indemnity the Insured against &nbsp;loss of Money and Securities by any cause whatsoever occurring within the premises.<br />\nProvided that&nbsp;<br />\n(a) when the Premises are closed for business the Money and Securities shall be kept in a locked safe or strong room the keys of which shall be kept in the custody of the Insured or of a responsible employee or other person authorized by the Insured.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">and (b) The Liability of the Company under this Section in respect of any one loss at any one Premises shall not exceed the limit for Section I shown against the Premises concerned. &nbsp;</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">SECTION II - MONEY AND SECURITIES OUTSIDE PREMISES</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">The Company will subject to the Limits for this Section as hereinafter provided indemnity the Insured against loss by any cause whatsoever occurring outside the Premises of Money and Securities in the personal charge of a Messenger in transit on Money Route.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">Provided that (a) each Messenger shall while outside the premises be accompanied by at least the Minimum Number of Guards specified in the Schedule for each Money Route or for each group of Money Routes or for all Money Routes as the case may be</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;and (b) at any one time the number of Messenger who while outside the Premises will have custody of Money and Securities shall not exceed the Maximum Number specified in the Schedule for each Money Route or for each group of Money Routes or for all Money Routes as the case may be</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;and (c) the liability of the Company under this Section in respect of any one loss from the Messenger concerned shall not exceed the Limit for Section II shown against each specified Maximum Number of Messenger.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">SECTION III - PAYROLL WITHIN AND OUTSIDE PREMISES</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">The Company will subject to the Limits for this Section as hereinafter provided indemnity the Insured against loss by any cause whatsoever<br />\n(1)&nbsp;&nbsp; &nbsp;occurring outside the Premises<br />\n(i)&nbsp;&nbsp; &nbsp;of cheques in a Payroll Exposure (which have been drawn by the Insured to provide for the Payroll Money) in the personal charge of a Messenger in transit from a Premise to a Bank both of which are specified for a Payroll Route<br />\n(ii)&nbsp;&nbsp; &nbsp;of Payroll Money in a Payroll Exposure from the time of its receipt by a Messenger at a Bank specified for a Payroll Route and while in the personal charge of such Messenger in transit on a Payroll Route from such Bank to a Premise similarly specified ant between that Premise and any other Premise similarly specified if there be more than one</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">(2)&nbsp;&nbsp; &nbsp;occurring within the Premises so specified of the Payroll Money in a Payroll Exposure while it is within such Premises and until the said Payroll Money is paid out to the Insured&rsquo;s employees<br />\nProvided that (a) each Messenger shall while outside the Premises be accompanied by at least the Minimum Number of Guards specified in the Schedule for each Payroll Route or for each group of Payroll Routes or for all Payroll Routes as the case may be<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; and (b) at any one time the number of Payroll Exposure shall not exceed the Maximum Number specified in the Schedule for each Payroll Route or for each group of Payroll Routes or for all Payroll Routes as the case may be&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; and (c) when the Premises are closed for business Payroll Money which is there shall be kept in a locked safe or strong room the keys of which shall be kept in the custody of the Insured or of a responsible employee or other person authorized by the Insured<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; and (d) the liability of the Company under this Section for any one loss in respect of the Payroll Exposure concerned shall not exceed the Limits for Section III shown against each such specified Maximum Number of Payroll Exposures.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">SECTION IV - INCLUSIVE EXTRA COVERAGES</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">The Company will also indemnity the Insured as follows:<br />\n(A)&nbsp;&nbsp; &nbsp;Damage to Premises or to Locked Safe, Strong room, Cash Register, Cash Drawer or Cash Box<br />\nIf cover under Sections I and/or III is operative the Company will also indemnify the Insured against damage (except by fire) to the Premises or to a Locked Safe Strong room, Cash Register, Cash Drawer or Cash Box (provided that the Insured is the owner thereof or is liable for such damage thereto) caused in direct connection with the felonious taking of Money Securities or Payroll Money by robbery brigandage or theft or any attempt thereat<br />\n(B)&nbsp;&nbsp; &nbsp;Loss of Container<br />\nProvided always that the liability of the Company under this Section (or under Paragraph A thereof alone or Paragraph B thereof alone) in conjunction with the liability of the Company under the other operative Sections of this Policy shall not in the aggregate exceed the relevant Limit for Section I and/or II and/or III as governed by the Proviso in each of those Sections relating to the liability of the Company.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">GENERAL EXCEPTIONS</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">The Company shall not be liable under this Policy in respect of<br />\n(a)&nbsp;&nbsp; &nbsp;any loss or damage directly or indirectly proximately or remotely occasioned by continued to by or traceable to or arising out of or in connection with war, invasion act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion mutiny, revolution insurrection or military or usurped &nbsp;power, strike riot military or popular rising or loot sack or pillage in connection therewith or flood, typhoon hurricane, windstorm, volcanic eruption, earthquake or other convulsion of nature.<br />\n(b)&nbsp;&nbsp; &nbsp;Any shortage of Money or Payroll &nbsp;Money due to error or omission<br />\n(c)&nbsp;&nbsp; &nbsp;Any loss caused by<br />\n(i)&nbsp;&nbsp; &nbsp;any dishonest, fraudulent or criminal act of the Insured or of Insured or any officer, employee, partner, director, trustee or authorized representative of the Insured whether acting alone or in conjunction with others<br />\n(ii)&nbsp;&nbsp; &nbsp;the giving or surrendering of any Money Securities or Payroll Money in any exchange or purchase<br />\n(iii)&nbsp;&nbsp; &nbsp;forgery by whomsoever committed<br />\nand in the event of any claim hereunder the Insured shall prove that the loss or damage arose independently of and was in no way connected with or occasioned by or contributed to by or traceable to any of the said occurrences or any consequence thereof and in default of such proof the Company shall not be liable to make any payment in respect of such claim.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">CONDITIONS<br />\n1.&nbsp;&nbsp; &nbsp;Construction of Contract and Definitions. This Policy and the Schedule shall be read together as one contract and any word or expression to which a specific meaning has been attached in any part of this Policy or of the Schedule shall bear such meaning wherever it may appear, and in particular the following expression shall have the meanings hereinafter assigned to them:<br />\n&quot;Robbery&quot; shall mean robbery as defined in Article 293 of the Revised Penal Code of the Philippines&nbsp;<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;<br />\nAct No. &nbsp;3815<br />\n&quot;Brigandage&quot; shall mean brigandage as defined in Article 306 of the Revised Penal Code of the Philippines Act No. 3815<br />\n&quot;Theft&quot; shall mean theft as defined in Article 308 of the Revised Penal Code of the Philippines Act No. 3815<br />\n&quot;Money&quot; shall mean currency, coin, bank notes and bullion not intended for the payroll of the Insured but all being the property of the Insured or for which the Insured is responsible.<br />\n&quot;Securities&quot; shall mean all negotiable and non-negotiable instruments or contracts owned by the Insured or for which he is responsible representing either money or other property and includes revenue and other stamps in current use but does not include manuscripts, records, accounts, money itself or Payroll Money.<br />\n?Payroll Money? shall mean currency, coin, bank notes and cheques intended solely and exclusively for the payroll of the Insured.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">&quot;Payroll Exposure&quot; shall mean<br />\n(a)&nbsp;&nbsp; &nbsp;one cheque drawn by the Insured to provide for the Payroll Money or one collection of such cheques in the personal charge of one Messenger or<br />\n(b)&nbsp;&nbsp; &nbsp;one collection of Payroll Money which is not dispersed or divided either while in transit or within the Premises except and until it is paid out to the Insured&#39;s employees&rsquo;s.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">&quot;Messenger&quot; shall mean the Insured or a partner or officer of the Insured or any person who is in the regular employ and duly authorized by the Insured to have the care and custody of the Insured property whilst being conveyed outside the Premises.<br />\n&quot;Guard&quot; shall mean any male person not less than seventeen not more than sixty five years of age who accompanies a Messenger by direction of the Insured but who is not a driver of a public conveyance.<br />\n&quot;Premises&quot; shall mean the interior of that portion of the building at the address specified under the heading of &ldquo;PREMISES&rdquo; in the Schedule which is occupied solely by the Insured in conducting the Business.<br />\n2.&nbsp;&nbsp; &nbsp;Notices by Insured. All notices required to be given by the insured to the Company shall be given in writing to the Company at its Manila Agency.<br />\n3.&nbsp;&nbsp; &nbsp;Assignment. No assignment of interest under this Policy shall bind the Company without its written consent. If the Insured shall be adjudged bankrupt or insolvent, or die during the Period of Insurance this Policy unless cancelled shall continue in favor of the legal representative of the Insured, provided written notice shall be given to the Company within thirty days after the date of such death or adjudication.<br />\n4.&nbsp;&nbsp; &nbsp;Precautions to be taken by Insured. The Insured shall take all due precautions of the safety of the Money Securities and Payroll Money as if the same were not insured especially as regards selection and supervision of employees and shall not do suffer permit anything whereby the risk of the Company shall be increased.<br />\n5.&nbsp;&nbsp; &nbsp;Records. The Insured shall keep verifiable records in such manner that the Company can accurately determine there from the amount of a loss.<br />\n6.&nbsp;&nbsp; &nbsp;Claims under Policy. Notices and Conduct. Upon the happening of any event giving rise or likely rise or likely to give rise to a claim under this policy.<br />\n(a)&nbsp;&nbsp; &nbsp;Notices - the Insured shall as soon as possible give notice thereof to the Company with full particulars and the Company shall not be liable for any loss of which written notice shall not have been received by the Company within one month of the occurrence thereof. In case of robbery brigandage theft or other criminal act which may given rise to a claim under this Policy the Insured shall give immediate notice thereof to the Policy. In regard to loss of property not owned by the Insured every letter claim writ summons and process shall be notified or forwarded to the Company immediately on receipt and notice shall also be given to the Company immediately the Insured shall have knowledge of any impending Prosecution or legal proceedings in connection with such occurrence.<br />\n(b)&nbsp;&nbsp; &nbsp;Conduct - 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 facilitate the investigation and<br />\nadjustment to trace and recover the property lost to recoup the Company so far as may be in respect of any amount which shall pay under this Policy. The Insured shall also take all reasonable steps to prevent the negotiation sale or retirement of all lost securities. In case of robbery brigandage theft or other criminal act which may give rise to a claim the Insured shall cooperate with the Company in securing the conviction of the offender. In regard to loss of property not owned by the Insured no admission offer promise or payment shall be made by on behalf of the Insured without the written consent of the Company which shall be entitled if it so desires to take over and conduct in his name the defence or settlement of any claim or to prosecute defence or settlement of any claim or to prosecute in his name for its own benefit any claim for indemnity damages or otherwise shall have full discretion in the conduct of any proceedings and if the Company shall make any payment in settlement of any claim and such payment includes any amount not covered by this Policy the Insured shall repay to the Company the amount not so covered. The Company shall bear the expense of all such particulars evidence acts and things as they may require with the above objects or any of them other than those required to substantiate the claim. If any claim be fraudulently or intentionally exaggerated or if any false declaration or statement shall be made in support there of then thins Policy shall be voidable by the Company.<br />\n7.&nbsp;&nbsp; &nbsp;Valuation - Payment - Replacement - Subrogation. In no even shall the Company be liable for more than the actual market value of Securities at the close of business of the business day next preceding the day on which the loss thereof was discovered, nor more than the actual cash value of other property at the time of loss thereof or damage thereto, nor for more than the actual cost of replacing or repairing any such Securities or other property. The Company may replace any Securities or other property of like kind or value, or repair any damage property, or pay for the same in money, as the Company may elect. If the Securities have no quoted market value and the value cannot be established, it may be determined by agreement or by arbitration. In the event of any indemnification under this Policy the Company shall be subrogated to all rights of the Insured of recovery therefor, and the Insured shall execute all papers required and do everything that may be necessary to secure such rights. Any property for which the Insured has been indemnified (whether owned by the Insured or others) shall become the property of the Company.<br />\n8.&nbsp;&nbsp; &nbsp;Other Insurance - If at the time any claim arises under this Policy there is any other insurance covering the same loss or damage the Company shall not be liable to pay or contribute more than its ratable proportion of such loss or damage.<br />\n9.&nbsp;&nbsp; &nbsp;Reduction of Insurance - Restoration. Indemnification by the Company for any loss under Section of this Policy shall reduce relevant Limit for that Section by the amount of such indemnification as of the date and hour at which the Insured notified the Company of such loss. The amount of such reduction shall be restored automatically only as to losses through acts committed or events occurring thereafter. In consideration thereof the Insured shall pay the Company upon demand an additional premium computed pro rata upon the amount of insurance so restored from the said of restoration to the next renewal date this Policy.<br />\n10.&nbsp;&nbsp; &nbsp;Cancellation. This Policy shall not be cancelled by or on behalf of the Company except in accordance with and pursuant to the provisions of Section 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. Likewise, this Policy maybe cancelled on the said rate basis set forth in the short rate cancellation table at the request of the Insured.<br />\nPolicy has been in force.<br />\n11.&nbsp;&nbsp; &nbsp;Arbitration. If any difference or dispute shall arise with respect to the amount of the Company&#39;s liability under this Policy the same shall be referred to the decision of &nbsp;a single arbitrator to be agreed upon by both parties or failing such agreement of a single arbitrator to the decision of two arbitrators one to be appointed in writing by each of the parties within one calendar month after having been required in writing so to do by either of the parties and in case of disagreement between the arbitrators to the decision of an umpire who shall have been appointed in writing by the arbitrators before entering on the reference and the costs of and incidental to the reference shall be dealt with in the award. And it is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this Policy that the award by such arbitrator arbitrators or umpire of the amount of the Company&rsquo;s liability hereunder if disputed shall be first obtained.<br />\n&nbsp;&nbsp; &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 months after such rejection or (in case of an arbitration taking place as provided herein) within twelve months after due notice of the award by the arbitrators or umpire then the claim shall for all purpose be deemed to have abandoned and shall not thereafter be recoverable hereunder.<br />\n12.&nbsp;&nbsp; &nbsp;Conditions precedent to Liability of Company. The due observance and fulfilment of the terms provisos exceptions and conditions of this Policy in so far as they relate to anything to be done not to be done by the Insured and the truth of the statements and answer in the Proposal shall be conditions precedent to any liability of the Company to make any payment under the Policy.<br />\n13.&nbsp;&nbsp; &nbsp;Changes in Policy. None of the provisions, conditions and terms of this Policy shall be waived or altered except by endorsement signed or initialed by an authorized official of the Company and issue in accordance with the provisions of Section 50 of the Insurance Code to form part with this Policy.<br />\n14.&nbsp;&nbsp; &nbsp;Article 1250 ? Civil Code Waiver. IT IS HEREBY DECLARED AND AGREED that the provision of Article 1250 of the Civil Code of the Philippines (Republic Act No. 86) which reads:<br />\n&nbsp;&nbsp; &nbsp;Shall not apply in determining the extent of liability under the provisions of this Policy.<br />\n15.&nbsp;&nbsp; &nbsp;Renewal. In accordance with Section 66 of the Presidential Decree No. 612 otherwise known as the Insurance Code, unless the Company at least forty-five (45) days in advance at the end of the Policy period mails or delivers to the Insured at the address shown in the policy notice of its intention not to renew the policy or to condition its renewal upon reduction of limits or elimination of coverages, the Insured shall be entitled to renew the Policy upon payment of the premium due on effective date of the renewal.<br />\n16.&nbsp;&nbsp; &nbsp;Settlement of Claim. The amount of loss, damage or liability is received by the Company and ascertainment of the loss, damage or liability is made by agreement between the Insured and the Company or by arbitration.<br />\n&nbsp;&nbsp; &nbsp;In the event 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. Failure of the Company to the pay the loss, damage or liability within the time prescribed herein will entitle the Insured to collect interest on the proceeds of this Policy for the duration of the delay at the rate twice the ceiling prescribed by the Monetary Board, unless the Company&rsquo;s failure to pay is based on the ground that the claim is fraudulent.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">SHORT PERIOD RATE SCALE<br />\n&nbsp;&nbsp; &nbsp;It is hereby agreed that, in the event of this Policy being surrendered by the Insured for cancelment, the Company shall retain a premium in accordance with the following scale for the time the Policy has been in force.<br />\nFor 1 month or less 20 percent. Of the Annual Rate For 7 months &nbsp;75 percent. Of the Annual Rate<br />\nFor 2 months&nbsp;&nbsp; &nbsp; &nbsp; &nbsp;30 percent. Of the Annual Rate For 8 months&nbsp;&nbsp; &nbsp;80 percent. Of the Annual Rate<br />\nFor 3 months&nbsp;&nbsp; &nbsp; &nbsp; &nbsp;40 percent. Of the Annual Rate For 9 months&nbsp;&nbsp; &nbsp;85 percent. Of the Annual Rate<br />\nFor 4 months &nbsp;&nbsp; &nbsp; &nbsp; &nbsp;50 percent. Of the Annual Rate For 10 months 90 percent. Of the Annual Rate<br />\nFor 5 months&nbsp;&nbsp; &nbsp; &nbsp; &nbsp;60 percent. Of the Annual Rate For 11 months 95 percent. Of the Annual Rate<br />\nFor 6 months&nbsp;&nbsp; &nbsp; &nbsp; &nbsp;70 percent. Of the Annual Rate&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">NUCLEAR EXCLUSION CLAUSE<br />\n1.&nbsp;&nbsp; &nbsp;This Policy does not cover -<br />\n(a)&nbsp;&nbsp; &nbsp;loss or destruction of or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss;<br />\n2.&nbsp;&nbsp; &nbsp;any legal liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from lionizing radiations or contamination by radio-activity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this 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 &nbsp;weapons material.</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">RECEIPT OF PAYMENT CLAUSE</span></p>\n\n<p><span style="font-family:courier new,courier,monospace">&nbsp;IT IS HEREBY DECLARED AND AGREED that notwithstanding anything to the contrary contained in the within policy, this insurance will be deemed valid binding upon the Company only when the Premium therefore have actually been paid in full and duly acknowledged in an official &nbsp;receipt signed by an authorized official representative of the Company.</span></p>\n', 40, '', '2015-09-03 14:09:48', '2018-10-24 11:15:19', 14, 245),
(9, 'PA-GPA-PAP', 'PERSONAL ACCIDENT INSURANCE POLICY', 4, 1, '', '<p style="text-align:justify"><strong>.</strong></p>\n', 45, '', '2015-09-03 14:34:46', '2017-05-10 11:27:45', 14, 169),
(10, 'PA-IA-PAP', 'PERSONAL ACCIDENT INSURANCE POLICY', 4, 3, '', '<p>.</p>\n', 50, '', '2015-09-03 17:03:39', '2017-05-10 11:28:04', 14, 169),
(11, 'PA-TA-PAP', 'PERSONAL ACCIDENT INSURANCE POLICY', 4, 7, '38', '<p style="text-align:justify">.</p>\n', 55, '', '2015-09-03 17:04:26', '2017-05-10 11:28:20', 14, 169),
(12, 'PA-BPA-PAP', 'PERSONAL ACCIDENT INSURANCE POLICY', 4, 98, '', '<p style="text-align:justify"><strong>.</strong></p>\n', 60, '', '2015-09-03 17:04:53', '2017-05-12 13:05:26', 14, 71),
(13, 'PA-GSPA-PAP', 'PERSONAL ACCIDENT INSURANCE POLICY', 4, 99, '', '<p style="text-align:justify">.</p>\n', 65, '', '2015-09-03 17:05:24', '2017-05-12 13:05:16', 14, 71),
(14, 'PA-MI-PAP', 'PERSONAL ACCIDENT INSURANCE POLICY', 4, 116, '', '<p style="text-align:justify"><strong>.</strong></p>\n', 70, '', '2015-09-03 17:06:08', '2017-05-12 13:05:02', 14, 71);
INSERT INTO `mstgeneralexclusion` (`code`, `short_name`, `exclusion_title`, `line_mst_code`, `subline_mst_code`, `default_peril_mst_codes`, `exclusion_text`, `print_order`, `remarks`, `created_at`, `updated_at`, `created_user_mst_code`, `updated_user_mst_code`) VALUES
(15, 'CAS-CGL-POL', 'COMPREHENSIVE GENERAL LIABILITY POLICY', 6, 87, '', '<p>COMPREHENSIVE GENERAL LIABILITY Policy No.</p>\n\n<p><br />\nThe ALLIEDBANKERS INSURANCE CORPORATION (hereinafter called &ldquo;the Company&rdquo;) 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.<br />\nINSURING AGREEMENTS<br />\nCoverage A &ndash; 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 />\nCoverage B &ndash; 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 />\nDefense, Settlement, Supplementary Payments<br />\nAs respects the Insurance afforded by the other terms of this policy the company shall:<br />\ndefend 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 />\npay 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 />\npay 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&rsquo;s liability thereon:<br />\npay 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 />\nreimburse the Insured for all reasonable expenses, incurred at the Company&rsquo;s request.<br />\n&nbsp;Definition of Insured<br />\n&nbsp; &nbsp; &nbsp; &nbsp;The unqualified word &ldquo;Insured&rdquo; includes the named Insured and also includes any partner, executive officer,<br />\ndirector or &nbsp;stockholder thereof while acting within the scope of his duties as such.<br />\n&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<br />\noperations at the premises and to other premises and property of which the named Insured acquires ownership or<br />\n&nbsp; &nbsp; &nbsp; &nbsp; 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 />\nthe 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 />\nthis paragraph does not apply to any loss against which the name Insured has other valid and collectible insurance; &nbsp;and<br />\nif 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 />\nPolicy 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>Premises &ndash; 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 />\nElevators.The ownership, maintenance or use, for the purpose stated in the declarations, of any elevator therein.<br />\nIndependent 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 />\nProducts<br />\nThe 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><br />\nOperations 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 />\nContractual. &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 />\nUnder 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 />\nUnder Division 1 of the Definition of Hazards.<br />\nto 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 />\nto 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 />\nto hazards which are or can be insured under Division 4 of the Definition of Hazards; &nbsp;and<br />\nto 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 />\nUnder 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 />\nUnder coverage B, to injury to or destruction of<br />\nproperty owned, occupied or used by or rented to the Insured, or<br />\nexcept 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 />\nwith 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 />\nUnder Coverage B, with respect to Division 1 of the Definition of Hazards, to<br />\nthe 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 />\nthe collapse or fall of tanks or the component parts or supports thereof which form a part of automatic sprinkler systems, or<br />\nrain 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 &ldquo;apartment-one apartment&rdquo;, &ldquo;dwellings-two family&rdquo;, &ldquo;farms&rdquo; or &nbsp;&ldquo;private residences&rdquo;.</p>\n\n<p>C O N D I T I O N S</p>\n\n<p>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 &ldquo;receipts&rdquo;, &ldquo;admissions&rdquo;, or &ldquo;units&rdquo; 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&rsquo;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.<br />\n&nbsp;&nbsp; &nbsp;&nbsp;<br />\n&nbsp;&nbsp; &nbsp;When used as a premium basis:<br />\nthe word &ldquo;remuneration&rdquo; means<br />\nthe 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 />\nthe remuneration of each proprietor at a fixed amount of P4,000 per annum:<br />\nthe 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 />\nthe 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 />\nthe 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 />\nthe 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; &nbsp; &nbsp; &nbsp;The named Insured shall maintain for each hazard records of the information necessary for premium computation on the&nbsp;<br />\nbasis stated in the Declarations.</p>\n\n<p>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 />\nPremises &ndash; Operations. &nbsp;The unqualified word &ldquo;premises&rdquo; 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.<br />\n&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Classifications covering premises include without additional charge, any premises alienated by the &nbsp; 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 &ldquo;operations&rdquo; 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;&ldquo;Power Driven Vehicle&rdquo; 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>Elevator. &nbsp;The word &ldquo;elevator&rdquo; 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.</p>\n\n<p><br />\nAssault 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>Limits of Liability Coverage A. &nbsp;The limit of bodily injury liability stated in the Declarations as applicable to &ldquo;each person&rdquo; is the 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 one person in any &nbsp;one accident; the limit of such liability stated in the Declarations as applicable to &nbsp;&ldquo;each accident&rdquo; 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>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;&rdquo;aggregate products&rdquo; &nbsp;are respectively the total limits of the company&rsquo;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>Limits of Liability Coverage B.The limit of property damage liability stated in the Declarations As &nbsp;&ldquo;aggregate operations&rdquo; &nbsp;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, 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 &ldquo;aggregate protective&rdquo; 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, 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 &ldquo;aggregate contractual&rdquo; 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>Limits of Liability. &nbsp;The inclusion herein of more than one insured shall not operate to increase the limits of the company&rsquo;s liability.</p>\n\n<p>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>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>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>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&rsquo;s liability.<br />\nBankruptcy or insolvency of the Insured or of the Insured&rsquo;s estate shall not relieve the company of any of its obligations hereunder.<br />\nOther 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><br />\nSubrogation. &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>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>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>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&ldquo; 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,...&rdquo;<br />\nshall not apply in determining the extent of liability under the provisions of this policy.</p>\n\n<p>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>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>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>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><br />\nSHORT PERIOD RATE SCALE</p>\n\n<p>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 />\n&nbsp;<br />\n<span style="font-size:11px">MONTHS &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; 8 &nbsp; &nbsp; &nbsp; 9 &nbsp;&nbsp; &nbsp;10&nbsp;&nbsp; &nbsp;11&nbsp;&nbsp; &nbsp; &nbsp;&nbsp;<br />\nANNUAL RATE &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%&nbsp;&nbsp;</span> &nbsp;&nbsp;</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>The discharge, dispersal, release or escape must be neither expected nor intended by the Insured and<br />\nThe beginning of the discharge, dispersal, release or escape must take place during the policy period and<br />\nThe 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 />\nThe 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 />\nNotwithstanding 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&rdquo; or any other Policy Duties in the Event of occurrence, Claim or &nbsp;Suit &ldquo;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; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;: &nbsp;Please refer to schedule</p>\n\n<p><br />\nDOCUMENTARY 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><br />\nWAR &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\n<p><br />\n&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; &nbsp;<br />\nRemarks:</p>\n\n<p>&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', 75, '', '2015-09-04 11:35:34', '2017-06-02 14:59:12', 14, 71);

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