Business Interruption Extensions

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					Business Interruption Extensions – Contingency
PREAMBLE FOR ALL CONTINGENCY EXTENSIONS

Any loss as insured by this Section resulting from interruption of or interference with
the Business in consequence of loss destruction or damage at the under-noted
situations or to property as under-noted shall be deemed to be an Incident, provided
that, after the application of all other terms and conditions of the Policy the liability
under the Extension(s) in respect of any one occurrence shall not exceed:


        a)      the percentage of the total of the sums insured by each item of this
                Section
        or

        b)      the amount

        shown below against such situations or property as the limit

SSUK – SPECIFIED SUPPLIER (UK)

Name                                             Location Limit
…………………              …………………                     …………………

For the purposes of this Extension the Maximum Indemnity Period is ………
months


USUK – UNSPECIFIED SUPPLIERS AND STORAGE SITES (UK)

1.    The premises of the Insured’s suppliers, manufacturers or processors of
      components, goods or materials but excluding the premises of:

      (i)    any supply undertaking from which the Insured obtains electricity, gas
             or water or telecommunications services
             or
      (ii)   any supplier more specifically insured by this Section

2.    Premises not in the occupation of the Insured, where property of the Insured
      is stored all in Great Britain and Northern Ireland.

Limit ………………..
But in no case exceeding £ ………

For the purpose of this Extension the Maximum Indemnity period is
………months
SCUK – SPECIFIED CUSTOMER (UK)


The premises of the under-noted customer:

Name                                          Location Limit
…………………             …………………                   …………………

For the purposes of this Extension the Maximum Indemnity Period is ………
months


SCUK –UNSPECIFIED CUSTOMER (UK)


The premises of the Insured’s customers situated in Great Britain or Northern
Ireland other than those mores specifically insured by this Section.

Provided that for the purpose of this Extension, the term “customers” means those
companies, organisations or individuals with whom, at the time of the Incident,
the Insured has contracts or trading relationships to supply goods or services

Limit ……………………….
But in no case
Exceeding £ ………………

For the purposes of this Extension the Maximum Indemnity Period is ………
months


PSTD – PROPERTY STORED

Property of the Insured whilst stored anywhere in Great Britain or Northern
Ireland elsewhere than at premises in the occupation of the Insured.

For the purpose of this Extension:
a)      The limit is ……… %
b)      The Maximum Indemnity period is ………… months
POA1 – PREVENTION OF ACCESS

Property in the vicinity of the Premises, loss or destruction of or damage to which
shall prevent or hinder the use of the Premises or access thereto, whether the
Premises or property of the Insured therein shall be damaged or not, but excluding
loss or destruction of or damage to property of any supply undertaking from
which the Insured obtains electricity, gas or water, or telecommunications
services which prevents or hinders the supply of such services, to the premises.

For the purpose of this Extension:

a)    the limit is …….. %
b)    the Maximum Indemnity period is …….. months


POA2 – LOSS OF ATTRACTION

Property within the vicinity of the Premises, such loss destruction or damage
directly resulting in a diminished attraction to customers and solely in
consequence thereof, an identifiable reduction in the Insured’s Business, provided
there shall be no liability under this Extension for loss resulting from interruption
of the Business during the first …….. hours of the Indemnity period.

For the purpose of this Extension:

a)    the limit is …….. %
b)    the Maximum Indemnity Period is …….. months


POA3 – ACTION OF COMPETENT AUTHORITIES

Action by the Police or other competent Local, Civil or Military Authority
following a danger or disturbance in the vicinity of the premises whereby access
thereto shall be prevented provided there shall be no liability under this Section of
this Extension for loss resulting from interruption of the Business during the first
….. hours of the Indemnity period.

For the purpose of this Extension

a)    the limit is …….. %
b)    the Maximum Indemnity Period is …….. months
PUF1 – PUBLIC UTILITIES – ELECTRICITY, GAS, WATER AND
TELECOMMUNICTIONS

Property at any

i)     generating station or sub-station of the public electricity supply undertaking

ii)    land based premises of the public gas supply undertaking or of any natural
       gas producer limed directly therewith

iii)   water works or pumping station of the public water supply undertaking

iv)    land based premises of the public telecommunications undertaking

from which the Insured obtains electricity gas water or telecommunications
services all in Great or Northern Ireland.

For the purpose of this Extension

a)     the limit is …….. %
b)     the Maximum Indemnity period is …….. months




PUF2 – PUBLIC UTILITIES – ELECTRICITY, GAS, WATER AND
TELECOMMUNICTIONS INCLUDING            SUPPLY LINES

Property at any

i) generating station or sub-station of the public electricity supply undertaking

ii)    land based premises of the public gas supply undertaking or of any natural
       gas producer limed directly therewith

iii)   water works or pumping station of the public water supply undertaking
iv)   land based premises of the public telecommunications undertaking

from which the Insured obtains electricity gas water or telecommunications
services all in Great or Northern Ireland

The cover provided by this Extension includes loss as insured by this Section due
to failure of the public supply of:

a)    electricity at the terminal ends of the supply undertaking’s service feeders at
      the Premises
b)    gas at the supply undertaking’s meters at the Premises
c)    water at the supply undertaking’s main stop cock serving the Premises
d)    telecommunications services (other than satellite services) at the incoming
      line terminals or receivers at the Premises

as a direct result of Damage to cables or pipes conveying the said services to the
Premises but excluding any failure which does not involve a cessation of supply
for at least …….. consecutive hours

For the purpose of this Extension

a)    the limit …….. %
b)    the Maximum Indemnity period is …….. months
c)    the word Damage shall mean loss, destruction or damage by any cause not
      herein excluded.




TRO1 – TRANSIT (FULL COVER – INCLUDING DAMAGE TO
VEHICLES)

Property of the Insured whilst in transit in Great Britain or Northern Ireland

      Limit …….. £

TRO3 – TRANSIT (FULL COVER – EXCLUDING DAMAGE TO
VEHICLES)

Property of the Insured whilst in transit in Great Britain or Northern Ireland other
than in respect of loss destruction or damage to the conveying vehicle or
waterborne craft

      Limit …….. %

MTV1 – MOTOR VEHICLES (FULL COVER)

Motor Vehicles of the Insured in Great Britain or Northern Ireland elsewhere than
at the Premises in the occupation of the Insured.
For the purpose of this Extension:

a)    the limit is …….. %
b)    the Maximum Indemnity period is …….. months

PATT – PATTERNS

Patterns, jigs, models, templets, moulds, dies, tools, plans, drawings and designs,
the property of the Insured or held by them in trust for which they are responsible,
whilst at the Premises of any machine makers, engineers, founders or other metal
workers (excluding any Premises wholly or partly occupied by the Insured, or
whilst in transit) all in Great Britain or Northern Ireland.

For the purpose of this Extension:

a)    the limit is …….. %
b)    the Maximum Indemnity period is …….. months

DOCS – DOCUMENTS

Documents belonging to or held in trust by the Insured whilst temporarily at
premises not in the occupation of the Insured or whilst in transit all in Great
Britain or Northern Ireland.

For the purpose of this Extension:

a)    the limit is …… %
b)    the Maximum Indemnity Period is …… months




IDP1 – NOTIFIABLE DISEASES, VERMIN, DEFECTIVE SANITARY
ARRANGEMENTS, MURDER SUICIDE, FOOD PROCESSORS AND
DISTRIBUTORS – (PREMISES)

The insurance by this Section shall subject to all the Exclusions and Conditions of the
Policy (except in so far as they may be hereby expressly varied) extend to include
loss resulting from interruption of or interference with the Business carried on by the
Insured at the premises in consequence of:

1.   a) any occurrence of a Notifiable Disease (as defined below) at the Premises or
        attributable to food or drink supplied from the Premises.
     b) any discovery of an organism at the Premises likely to result in the
        occurrence of a Notifiable Disease

2.   the discovery of vermin or pests at the Premises which causes restrictions on the
     use of the Premises on the order or advice of the competent local authority.

3.   any accident causing defects in the drains or other sanitary arrangements at the
      premises

which causes restrictions on the use of the premises.

SUBJECT ALWAYS TO THE SPECIAL CONDITIONS SET OUT
BELOW


SPECIAL CONDITIONS

1.   Notifiable Disease shall mean illness sustained by any person resulting from:

     a)   food or drink poisoning

          or

     b) any human infectious or human contagious disease (excluding Acquired
        Immune Deficiency Syndrome (AIDS), an outbreak of which the
        competent local authority has stipulated shall be notified to them.

2.   For the purpose of this Extension

     Indemnity Period shall mean the period during which the results of the
     Business shall be affected in consequence of the occurrence discovery or
     accident, beginning with the date from which the restrictions on the Premises
     are applied (or in the case of 4 above, with the date of the occurrence) and
     ending not later than the Maximum Indemnity period thereafter.

     Maximum Indemnity Period shall mean …….. months.

     Premises shall mean only those locations stated in the Premises definition; in
     the event that the Policy includes an extension which deems loss destruction
     or damage at other locations to be an Incident such extensions shall not apply
     to this Extension

3.   The Insurers shall not be liable under this Extension for any costs incurred in
     the cleaning, repair, replacement, recall or checking of property.

4.   The Insurers shall only be liable for the loss arising at those Premises which
     are directly affected by the occurrence discovery or accident

5.   The Insurers’ liability under this Extension shall not exceed     of the Limit
     of Liability stated in the Schedule but in no case exceeding       in any one
Period of Insurance, after the application of all other terms and conditions of
the Policy.

				
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