A - PROPERTY CLAUSES
1. ACTS OR OMISSIONS CLAUSE
This insurance shall not be prejudiced by any act or omission of the owner of the building, if the Insured is not the owner thereof; or by any act or omission on the part of sub or other tenants, when such acts or omissions are not within the control of the Insured.
2. ALARM AND PROTECTION CLAUSE
It is a conditions precedent to the liability of the Company under this Insurance that : -1. The premises containing the Insured property are fitted with a burglary alarm system approved by the Company, and that no withdrawal, alteration or variation of the system, or any structural alteration which might affect the system, shall be made without the consent of the Company2. The burglary alarm system and all locks and padlocks shall have been put into full and effective operations at all items when the Assured's premises are closed for business, and at all other appropriate times.3. The burglary alarm system shall have been maintained in good order throughout the currency of this Insurance under a maintenance contract with the Installing Company.3. All other protections provided for the safety of the Insured property shall be maintained in good order throughout the currency of this Insurance and that they are in full and effective operation at all appropriate times.5. All keys and duplicate keys relative to the above alarm and protections are removed from the premises when the premises are closed for business, and at all other appropriate times.Subject otherwise to the terms exceptions and conditions of this Policy
3. ALL OTHER CONTENTS CLAUSE
It is agreed that the term 'All Other Contents' is understood to include:
a) Money and stamps not otherwise specifically insured for an amount not exceeding US$ 1,000
b) Documents, manuscripts and business books but only for the value of the materials as stationery together with the cost of clerical labor expended in writing up, and not for the value to the Insured of the information contained therein for an amount in respect of any one document, manuscript or business book not exceeding US$ 1,000
c) Computer systems records but only for the value of the materials together with the cost of clerical labour and computer time expended in reproducing such records (excluding any expenses in connection with the production of information to be recorded therein) and not for the value to the Insured of the information contained therein and for an amount not exceeding US$ 5,000
d) Patterns, models, molds, plans and designs, for an amount in respect of any one pattern, model, mould plan or design not exceeding US$1,000 and so far as they are not otherwise insured:e) Employees' pedal cycles, clothing, tools and other personal affects for an amount in respect of any one employee not exceeding US$ 1,000.4.
4. ALTERATIONS AND ADDTIONS CLAUSE
Alterations, additions and repairs to building (s), plant, fixture and fittings and machinery (exclusive of any Sprinkler Installation) and work in progress allowed if carried out by the Insured and the insurance by this Policy is extended to cover such alterations, additions and repairs.
In the event of any outside contractor being called in to perform any alterations, additions or repairs, this insurance is extended to cover such work subject to any one contract exceeding US$ 50,000 prior notice thereof must be given to the Insurers who reserve the right to charge an additional premium in respect of the inclusion of such Contract in the coverage hereunder.
5. ALTERATION AND REPAIR CLAUSE
Workmen are allowed in or about any premises herein referred to carrying out alterations and repairs without prejudice to the terms of this insurance.
6. APPRAISEMENT CLAUSE
If the aggregate claim for any one loss does not exceed US$ 100 or 5% of the Sum Insured whichever is the lesser amount by the item or items affected no special inventory or appraisement of the undamaged property shall be required.
If two or more buildings be included in a single item, this provision shall apply to the range of buildings and/or content by the item or items so affected.
7. APPROVED ADJUSTERS CLAUSE
It is hereby agreed and declared that any loss under the policy will be assessed by any Assessor to be mutually agreed upon.
8. ARCHITECTS' SURVEYORS' AND CONSULTANT ENGINEERS' FEES
[The insurance by this policy extends to include architects' surveyors' and consultant engineers' legal and other fees (not exceeding those authorized under the scale of the various Institutions and /or Bodies regulating such fees prevailing at the time of the destruction or damage)for estimates, plans, specifications, quantities, tenders and supervision necessarily incurred in the reinstatement consequent by fire or any other peril hereby insured against (but not such fees for preparing a claim hereunder )[provided that the liability for such destruction or damage and fees shall not exceed in the aggregate the sum insured]