Allianz Insurance plc. Complete Contractor. Policy Wording

Transcription

1 Allinz Insurne pl Complete Contrtor Poliy Woring

2 Complete Contrtor Poliy Woring Complete Contrtor Poliy Woring Contents Introution 1 How to Mke Clim 2 Complints Proeure 4 Insuring Cluse 5 Thnk you for hoosing Allinz Insurne pl. We re one of the lrgest generl insurers in the UK n prt of the Allinz Group, one of the worl s foremost finnil servies proviers. Poliy Definitions 6 Poliy Conitions 8 Poliy Exlusions 16 The Cover Provie Setion 1 Puli Liility 19 Setion 2 Employers Liility 26 Setion 3 Tools 29 Setion 4 Contrt Works 30 Setion 5 Personl Aient 36 Setion 6 Commeril Legl Expenses 40 Setion 7 Property Dmge 55 Setion 8 Business Interruption 68 Setion 9 Terrorism 78 Aitionl Benefits 81 Dt Protetion 83 With Allinz Insurne pl, you n e onfient tht you re insure y ompny whih is relentless in its ommitment to proteting n serving you. You n trust us to insure your usiness, s we ve een proviing leing insurne solutions in the UK for over 100 yers. We work in prtnership with your insurne viser to ensure you reeive the highest levels of prout n servie exellene. Our tehnil experts unerstn how est to protet you ginst the risks your usiness fes. If you nee to mke lim you will e in sfe hns. Our professionlly trine stff im to tret you, s you woul expet, oth promptly n firly. By listening to you, n unerstning your nees we will provie you with the most pproprite solutions to get your usiness tring gin s quikly s possile. Shoul you nee further etils or hve ny questions your insurne viser will e elighte to help. Importnt This oument provies etils of your poliy n the terms n onitions tht pply. Plese re it refully n keep it in sfe ple.

3 Complete Contrtor Poliy Woring Introution Your Complete Contrtor Poliy is me up of severl prts whih must e re together s they form your ontrt of insurne with the Insurer. Plese tke time to re ll prts of the Poliy to mke sure they meet n ontinue to meet your nees n tht you unerstn the terms, exlusions n onitions. If you wish to hnge nything or if there is nything you o not unerstn, plese let your insurne viser know. The prts of the Poliy re: the Sttement of Ft this Poliy Woring whih ontins this Introution; the Insuring Cluse; the Poliy Definitions, the Poliy Exlusions n the Poliy Conitions, ll of whih pply to ll Setions of the Poliy the Setions of over provie, inluing the Setion Definitions, Extensions, Conitions n Exlusions the Sheule, whih onfirms the Setions of over tht re insure n inlues ny itionl luses pplie to the Poliy Any Setion stte to e Not Insure in the Sheule shll e inopertive. Chnges to your irumstnes Plese tell your insurne viser s soon s resonly possile if there re ny hnges to your irumstnes whih oul ffet your insurne. Plese refer to Poliy Conition 3 (Chnge of Risk) on pge 8 of this Poliy. If your irumstnes hnge n you o not tell your insurne viser, you my fin tht you re not overe if you nee to lim. Finnil Servies Compenstion Sheme Allinz Insurne pl ontriutes to the Finnil Servies Compenstion Sheme (FSCS). The Insure my e entitle to ompenstion from the FSCS if the Insurer is unle to meet their liilities. Further informtion out ompenstion sheme rrngements is ville t y emiling enquiries@fss.org.uk or y phoning the FSCS on or Any wor or expression in the Poliy whih hs speifi mening hs the sme mening wherever it ppers in the Poliy, unless stte otherwise. 1

4 Complete Contrtor Poliy Woring How to Mke Clim If you nee to lim, your eite lims tem will help n guie you through the proess. You n notify us of lim y: Telephone: Property Clims Liility Clims Post: Clims Division Allinz Insurne pl 500 Aveury Boulevr Milton Keynes MK9 2XX Our lims helpline is ville 24 hours y, 7 ys week. If you hve Commeril Legl Expenses lim you n notify Allinz Legl Protetion y ontting the Lwphone Legl Avie Helpline on quoting the Mster Poliy referene shown in the poliy sheule. Post: The Clims Deprtment Allinz Legl Protetion 2530 The Qurnt Azte West Almonsury Bristol BS32 4AW Lines re open 24 hours y, 7 ys week. Plese try to notify Allinz of lim promptly fter the inient, or immeitely in the event of serious ient, loss or mge. Clims Detils Plese hve the following informtion ville, where possile, when mking lim: Property Clims 2 Your ontt informtion, inluing ress n telephone numers Poliy type n poliy numer Dte the loss ourre Lotion n esription of the loss Injury Clims Your ontt informtion, inluing ress n telephone numers Poliy type n poliy numer Dte the loss ourre Nme n ress of injure prty Desription of the injury, where n how it ourre Commeril Legl Expenses Clims Your ontt informtion, inluing ress n telephone numers Mster Poliy referene shown in the poliy sheule Brief summry of the prolem Wht to expet when mking lim We im to el with your lim promptly n firly. We will upte you on the progress of your lim y emil, mil or y phone whihever you prefer. Depening on the type of lim n vlue involve, we my: forwr lim form for you to omplete n sign sk you for itionl informtion ppoint n inepenent loss juster to el with your lim lim (loss justers re lims speilists who investigte lrge or omplex lims, usully t the sene of n inient, to estlish the use of the loss n ssist the insurer in eling with your lim) rrnge for memer of our lims tem to visit you Commeril Legl Expenses In ition to the ove, the following will pply to enle Allinz Legl Protetion to el with lim uner the Commeril Legl Expenses setion: we will forwr you lim form for you to omplete n sign we will require opy of your poliy sheule one we hve reeive your lim form n etermine whether your lim flls within the over provie we will ontt you to request the pyment of ny exess ue. We will lso ontt you to request pyment of the exess if we gree to your request to ppoint n lterntive legl representtive. Plese note we will not ppoint legl representtive until the exess pyment ue in respet of lim hs een pi

5 Complete Contrtor Poliy Woring legl expenses re only overe from the time we hve epte the lim n ppointe the legl representtive in your nme n on your ehlf. You must not ppoint legl representtive. If you hve lrey seen soliitor efore we hve epte your lim, we will not py for ny fees or other expenses tht you hve inurre other thn where we inur legl expenses in orer to vlite lim, if we eline lim following reeipt of the lim form, poliy sheule n exess pyment, we will refun the exess pyment where we neessrily inur unreoverle legl expenses uring the lim vlition proess, or you re unle to reover legl expenses t the en of the lim, if the unreovere legl expenses inurre re less thn the exess pyment reeive, we will refun you the ifferene etween the two figures Helpful vie when mking lim Your insurne poliy omes with numer of gret fetures to help keep your usiness up n running. These itionl fetures o not ome with stnr poliies n hve een esigne espeilly for smll usinesses in min. Keeping your usiness up n running in the event of n emergeny, we will sen out repirer to mke your premises seure within 24 hours even uring the night You shoul omply with the requirements for lim notifition ontine in the poliy onitions, whih etil your oligtions n our rights in the event of lim. If you re in ny out plese ontt us. Employees We unerstn how importnt your employees re to your usiness. This is why, in the unfortunte event of serious injury to your employees, we provie meilly trine rehilittion tem to work with your employees, getting them k to helth n k to work s quikly s possile. If n employee or someone else is holing you responsile for injury to them or for mge to their property then you shoul tell us promptly n sen ny letters, writs or summons to us unnswere. Plese ensure tht your responsiility for injury to someone or mge to their property is not isusse with or mitte to nyone else. Following lim After lim, it my e helpful for you to review your insurne risks n how well your usiness is mnging them. Risk Diretor llows you to ientify n mnge the risks tht re most pertinent to your usiness. The rnge of tools n templtes ville online mke risk mngement quik n esy. Risk Diretor n e esse t you shoul rry out ny emergeny tion to protet your property from further mge (e.g. turning off min servies) or to mke it wterproof or seure. If emergeny work hs een omplete on your own uthority plese ontt us efore permnent repirs egin we will e plese to provie vie n ssistne to fin the right person or orgnistion to help you. We hve hs ntionwie network of qulity tre people on ll to get you up n running. For lrge inients, we will usully ssign loss juster who will mnge your repirs n hs the uthority to uthorise repirs up to 50,000 plese o not ispose of mge items efore we hve h the opportunity to inspet them you shoul report to the Polie ny loss or mge from theft, rson, mliious mge, or riot or ivil ommotion n otin rime referene numer from them if you o inur ny hrges, plese retin the ills s these my form prt of your lim 3

6 Complete Contrtor Poliy Woring Complints Proeure Our im is to get it right, first time every time. If you hve omplint we will try to resolve it stright wy ut if we re unle to we will onfirm we hve reeive your omplint within five working ys n o our est to resolve the prolem within four weeks. If we nnot we will let you know when n nswer my e expete. If we hve not resolve the sitution within eight weeks we will issue you with informtion out the Finnil Omusmn Servie (FOS) whih offers free, inepenent omplint resolution servie. If you hve omplint, plese ontt our Customer Stisftion Mnger t: Customer Stisftion Mnger Allinz Insurne pl 57 Lyme Guilfor Surrey GU1 1DB Telephone numer: Fx Numer: Emil: sm@llinz.o.uk You hve the right to refer your omplint to the Finnil Omusmn, free of hrge ut you must o so within six months of the te of the finl response letter. If you o not refer your omplint in time, the Omusmn will not hve our permission to onsier your omplint n so will only e le to o so in very limite irumstnes. For exmple, if the Omusmn elieves tht the ely ws s result of exeptionl irumstnes. The Finnil Omusmn Servie Exhnge Tower Lonon E14 9SR Wesite: Telephone: or Emil: omplint.info@finnil-omusmn.org.uk Using our omplints proeure or ontting the FOS oes not ffet your legl rights. The Europen Commission hs n online ispute resolution servie for onsumers who hve omplint out prout or servie ought online. If you hoose to sumit your omplint this wy it will e forwre to the Finnil Omusmn Servie. Visit to ess the Online Dispute Resolution Servie. Plese quote our e-mil ress: sm@llinz.o.uk Alterntively, you n ontt the Finnil Omusmn Servie iretly. 4

7 Complete Contrtor Poliy Woring Insuring Cluse In onsiertion of pyment of the premium the Insurer will inemnify or otherwise ompenste the Insure ginst loss, estrution, mge, injury, liility or ispute (s esrie in n sujet to the terms, onitions, limits n exlusions of this Poliy or ny Setion of it) ourring or rising in onnetion with the Business uring the Perio of Insurne or ny susequent perio for whih the Insurer grees to ept renewl premium. For Allinz Insurne pl Jonthn Dye Chief Exeutive 5

8 Complete Contrtor Poliy Woring Poliy Definitions The following efinitions pply to this Poliy (unless mene y Setion Definitions) n re enote y pitl first letter throughout this Poliy. Builing(s) Builings elonging to the Insure or for whih they re responsile t the Premises eing, unless more speifilly esrie, uilt minly of rik, stone, onrete or other non-omustile mterils, inluing tennts improvements, lnlor s fixtures n fittings, wlls, gtes n fenes n in so fr s they re not otherwise insure n for whih the Insure is responsile fixe glss n snitrywre smll outsie uilings, nnexes, gngwys, onvenienes n other smll strutures extensions ommuniting with the uilings ros, r prks, yrs, pve res, pvements n footpths seurity mers n lights fixe fuel oil tnks n fixe iesel tnks, piping, uting, les, wires n ssoite ontrol gers n essories n extening to the puli mins Business The usiness esription stte in the Sheule n whih is onute solely from premises in Gret Britin, Northern Ireln, the Chnnel Islns or the Isle of Mn inluing the ownership mintenne n repir of premises use in onnetion with suh usiness the provision n mngement of nteen, soil sports n welfre orgnistions for the enefit of Employees n the mulne, first i, fire, meil n seurity servies of the Insure the exeution of privte uties y Employees for ny prtner, iretor or senior offiil of the Insure. Computers n Eletril Offie Equipment All omputer n nillry eletril offie equipment elonging to the Insure or for whih they re responsile inluing ssoite t rrying mterils ut exluing progrms or informtion reore thereon. Contents Mhinery, plnt n ll other ontents elonging to the Insure or hel y the Insure in trust n for whih the Insure re responsile (other thn lnlor s fixtures n fittings, Stok n other Property speifilly esrie in the Sheule) whilst in or on the Builings, inluing ltertions n eortions fixe glss n snitrywre ontents in the open yrs Money, for n mount not exeeing 1,000 in totl ees, ouments, mnusripts n usiness ooks, ut only for the ost of the mterils n leril lour expene in reprouing suh reors omputer systems reors, ut only for the ost of the mterils n of leril lour n omputer time expene in reprouing suh reors, for n mount not exeeing 25,000 in totl ptterns, moels, mouls, plns or esigns n in so fr s they re not otherwise insure employees, iretors n visitors personl effets of every esription (other thn motor vehiles), for n mount not exeeing 1,000 for ny one person Dmge Loss, estrution or mge Employee(s) ny person uner ontrt of servie or pprentieship with the Insure ny of the following persons whilst working for the Insure in onnetion with the Business; ny lour mster or lour only suontrtor or person supplie y them ny self-employe person proviing lour only ny person who is orrowe y or hire to the Insure ny voluntry helper e ny trinee or person unergoing work experiene. 6

9 Complete Contrtor Poliy Woring Exess First prt of eh n every lim, for whih the Insure is responsile Injury Boily injury, eth, isese, illness, mentl injury or nervous shok Insure Insure nme n shown in the Sheule Insurer Allinz Insurne pl Limit of Inemnity Limit of inemnity stte in the Sheule Offshore Instlltions ny instlltion in the se or til wters whih is intene for unerwter exploittion of minerl resoures or explortion with view to suh exploittion ny instlltion in the se or til wters whih is intene for the storge or reovery of gs ny pipe or system of pipes in the se or til wters ny instlltion whih is intene to provie ommotion for persons who work on or from the lotions speifie in the ove 3 senerios Perio of Insurne Perio from the effetive te to the renewl te s shown in the Sheule Property/Property Insure Builings, Contents, Stok n other items shown n/or esrie in the Sheule The Insurer grees to ept the heing uner whih ny Property or other item hs een entere in the ooks of the Insure. Sheule Prt of this Poliy tht etils informtion forming prt of this ontrt n tht shows the opertive Setions of this Poliy Setion/Setions Prts of this Poliy tht etil the insurne over provie for eh iniviul Setion of this Poliy Stok All stok n mterils in tre elonging to the Insure or hel y the Insure in trust n for whih the Insure re responsile, whilst in the Builings Sum Insure Mximum mount the Insurer will py for eh item insure uner ny Setion Totl Sum Insure The totl mount the Insurer will py uner ny Setion Unoupie Any Builing or prt of ny Builing whih is empty or unfurnishe or no longer in tive use y the Insure or ny tennt of the Insure for perio exeeing 30 onseutive ys Poliy Your ontrt of insurne me up of the ouments s esrie in the Introution Pollution or Contmintion ll pollution or ontmintion of uilings or other strutures or of wter or ln or the tmosphere n ll Injury or Dmge iretly or iniretly use y suh pollution or ontmintion. All pollution or ontmintion whih rises out of one inient shll e eeme to hve ourre t the time suh inient tkes ple. Premises Aress s stte in the Sheule 7

10 Complete Contrtor Poliy Woring Poliy Conitions Applile to the Poliy unless stte to the ontrry uner the onitions in the Setions. 1 Lw Applile n Jurisition Unless the Insurer grees otherwise: the lnguge of the Poliy n ll ommunitions relting to it will e English; n ll spets of the Poliy inluing negotition n performne re sujet to English lw n the eision of the English ourts. 2 Resonle Preutions The Insure shll tke ll resonle re: e to prevent ients n ny Injury or Dmge to oserve n omply with sttutory or lol uthority lws, oligtions n requirements in the seletion n supervision of Employees to mintin the uilings, ontents n everything use in the Business in effiient n sfe working orer to mke goo or remey ny efet or nger whih eomes pprent n tke suh itionl preutions s the irumstnes my require. 3 Chnge of Risk The Insure must notify the Insurer s soon s possile if uring the Perio of Insurne there is ny ltertion: in or to the Business; to or t the Premises; to the fts or mtters set out in the Sttement of Ft or otherwise omprising the risk presenttion me y the Insure to the Insurer t ineption, renewl or vrition of the Poliy; whih mterilly inreses the risk of injury, loss, Dmge or liility. Upon eing notifie of ny suh ltertion, the Insurer my, t its solute isretion: ontinue to provie over uner this Poliy on the sme terms; If the Insure fils to notify the Insurer of ny mteril ltertion of the risk, the Insurer my: tret the Poliy s if it h ome to n en s t the te of the ltertion of the risk, returning proportionte mount of the premium for the unexpire Perio of Insurne, if the Insurer woul hve nelle the Poliy h it known of the inrese in risk; tret the Poliy s if it h ontine suh terms (other thn relting to premium) or other restritions (if ny) from the te of the ltertion in risk s the Insurer woul hve pplie h it known of the inrese in risk; reue proportiontely the mount pi or pyle on ny lim, the proportion for whih the Insurer is lile eing lulte y ompring the premium tully hrge s perentge of the premium whih the Insurer woul hve hrge h it known of the inrese in risk. 4 Fru If the Insure or nyone ting on the Insure's ehlf: mkes ny flse or fruulent lim; mkes ny exggerte lim; supports lim y flse or fruulent ouments, evies or sttements (whether or not the lim is itself genuine); or mkes lim for loss or mge whih the Insure or nyone ting on the Insure's ehlf eliertely use; the Insurer will: i refuse to py the whole of the lim; n ii reover from the Insure ny sums tht it hs lrey pi in respet of the lim. The Insurer my lso notify the Insure tht it will e treting the Poliy s hving terminte with effet from the te of the erliest of ny of the ts set out in su-luses ove. In tht event, the Insure will: hve no over uner the Poliy from the te of the termintion; n not e entitle to ny refun of premium. e restrit the over provie uner this Poliy; impose itionl terms; lter the premium; nel the Poliy. 8

11 Complete Contrtor Poliy Woring 5 Fir Presenttion of the Risk The Insure must mke fir presenttion of the risk to the Insurer t ineption, renewl n vrition of the Poliy. The Insurer my voi the Poliy n refuse to py ny lims where ny filure to mke fir presenttion is: i elierte or rekless; or ii of suh other nture tht, if the Insure h me fir presenttion, the Insurer woul not hve issue the Poliy. The Insurer will return the premium pi y the Insure unless the filure to mke fir presenttion is elierte or rekless. If the Insurer woul hve issue the Poliy on ifferent terms h the Insure me fir presenttion, the Insurer will not voi the Poliy (exept where the filure is elierte or rekless) ut the Insurer my inste: i reue proportiontely the mount pi or pyle on ny lim, the proportion for whih the Insurer is lile eing lulte y ompring the premium tully hrge s perentge of the premium whih the Insurer woul hve hrge h the Insure me fir presenttion; n/or ii tret the Poliy s if it h inlue suh itionl terms (other thn those requiring pyment of premium) s the Insurer woul hve impose h the Insure me fir presenttion. For the purposes of this onition referenes to: voiing Poliy mens treting the Poliy s if it h not existe from the ineption te (where the filure to mke fir presenttion of the risk ours efore or t the ineption of the Poliy), the renewl te (where the filure ours t renewl of the Poliy), or the vrition te (where the filure ours when the Poliy is vrie); refuns of premium shoul e trete s refuns of premium k to the ineption te, renewl te or vrition te s the ontext requires; issuing Poliy shoul e trete s referenes to issuing the Poliy t ineption, renewing or vrying the Poliy s the ontext requires. 6 Cnelltion Insure s Cnelltion Rights The Insure hs the right to immeitely nel the over within 14 ys' of the ommenement of over or the reeipt of Poliy oumenttion, whihever is the lter (this perio is referre to s the ooling off perio ). The Insure shoul exerise this right y ontting their insurne intermeiry or y writing to the Allinz offie whih issue the Poliy oumenttion. If the Insure oes exerise their right to nel uring the ooling off perio, n provie no lim hs een me or inient hs risen whih is likely to give rise to lim uring the urrent Perio of Insurne, the Insure will e entitle to return of premium lulte on pro-rt sis, less n ministrtion hrge of 25 to over opertionl osts. The mount of premium to e refune uner this onition will e reue y ll unpi premiums or unpi premium instlments outstning t the te of nelltion. If the ooling off perio hs expire, the Insure my nel the Poliy uring the Perio of Insurne y giving 14 ys' notie in writing to their insurne intermeiry or the Allinz offie whih issue the Poliy. Provie no lim hs een me or inient hs risen whih is likely to give rise to lim uring the urrent Perio of Insurne the Insure will e entitle to refun of the premium pi lulte on pro-rt sis, less n ministrtion hrge of 25 to over opertionl osts. The mount of ny premium to e refune uner this onition will e reue y ll unpi premiums or unpi premium instlments ue. Insurer s Cnelltion Rights In ition to the Insurers' rights set out elsewhere in the Poliy, inluing ut not limite to Conition 5 (Fir Presenttion of the Risk) n Conition 4 (Fru), where there is vli reson for oing so the Insurer my nel this Poliy t ny time y giving the Insure t lest 14 ys notie in writing sent to the Insure s lst known ress. The notie will set out the reson for nelltion. Vli resons for nelltion my inlue ut re not limite to: non pyment of premium (inluing if the premium for this Poliy is pi y instlments n in the event tht the Insure fils to py one or more instlments whether in full or in prt). 9

12 Complete Contrtor Poliy Woring Poliy Conitions (ontinue) e f g In the event tht premium pyment is misse the Insurer will write to the Insure notifying them tht pyment hs een misse n requesting pyment y speifi te. If pyment is not reeive y the Insurer y the speifi te the Insurer will sen finl letter to the Insure requesting pyment y finl te whih will e set out in the finl letter. If pyment is not reeive y the finl te the Insurer will nel the poliy with immeite effet. The Insure will e notifie in writing if the poliy is nelle; Continue filure y the Insure to omply with the terms n onitions of this Poliy; Filure y the Insure to llow the Insurer to omplete survey (where the Poliy hs een issue or renewe sujet to survey); Filure y the Insure to here to, or implement, ny risk improvement requirements or onitions require y the Insurer, inluing ny hnges require y ny survey or lims justers report, within resonle perio of time s vise y the Insurer; Mteril hnge in the risk or the sums insure; Filure y the Insure to o-operte with the Insurer or provie the Insurer with informtion or oumenttion resonly require y the Insurer n the lk of oopertion y the Insure ffets the Insurers ility to proess lim or efen the Insurers interests or mke risk se unerwriting eisions. In this se the Insurer will write to the Insure giving notie of nelltion of this Poliy in the event tht the Insure oes not ooperte to provie the informtion or oumenttion resonly require within perio of14 ys strting from the te provie in the letter; or The Insures use of thretening, usive or intimiting ehviour or inpproprite lnguge or ullying of the Insurers stff or suppliers. If the Insurer oes nel this Poliy, provie no lim hs een me or inient hs risen whih is likely to give rise to lim uring the urrent Perio of Insurne the Insure will e entitle to proportionte return of the premium in respet of the unexpire Perio of Insurne. The mount of premium refun pyle will e reue y ll unpi premiums or unpi premium instlments ue. 7 Clims Ation y the Insure The Insure shll in the event of ny Injury, Dmge or onsequentil loss s result of whih lim is or my e me uner this Poliy or ny Setion of it, n gin upon the reeipt y the Insure in writing of ny notie of ny lim or legl proeeing, e f g h i j notify the Insurer within 30 ys, or within 7 ys in the se of Dmge or onsequentil loss ue to riot, ivil ommotion, strikers, loke-out workers, persons tking prt in lour isturnes, mliious persons or theft, or suh further time s the Insurer my llow notify the Insurer immeitely upon eing vise of ny proseution, inquest or enquiry onnete with ny Injury, Dmge or onsequentil loss whih my form the sujet of lim uner this Poliy notify the polie s soon s it eomes evient tht ny Dmge hs een use y theft or mliious persons pss immeitely, n unknowlege, ny letter of lim to the Insurer rry out n permit to e tken ny tion tht my e resonly prtile to prevent further Dmge or onsequentil loss retin unltere n unrepire nything in ny wy onnete with the Injury, Dmge or onsequentil loss for s long s the Insurer my resonly require furnish with ll resonle espth t the Insure s expense i suh further prtiulrs n informtion s the Insurer my resonly require ii if require, sttutory elrtion of the truth of the lim iii etils of ny other insurnes overing the sujet mtter of the lim uner this Poliy n ny mtters onnete with it mke ville t the Insure s expense ny ouments require y the Insurer with regr to ny letter of lim not py or offer or gree to py ny money or mke ny mission of liility without the previous onsent of the Insurer llow the Insurer in the nme of n on ehlf of the Insure to tke over n, uring suh perios s the Insurer thinks proper, to hve the solute onut n ontrol of ll negotitions n proeeings whih my rise in respet of ny lim n the settlement thereof n the Insure shll give the Insurer ll neessry ssistne for tht purpose. 10

13 Complete Contrtor Poliy Woring No lim uner this Poliy shll e pyle unless the terms of this Poliy Conition hve een omplie with n ny pyment on ount of lim lrey me shll e repi to the Insurer. 8 Clims The Rights of the Insurer In respet of Dmge for whih lim is me the Insurer n ny person uthorise y the Insurer my without inurring ny liility or iminishing ny of the Insurer s rights uner this Poliy, enter premises where suh Dmge hs ourre n tke possession of or require to e elivere to the Insurer ny property insure n to el with suh property for ll resonle purposes n in ny resonle mnner. No property my e none to the Insurer or eeme to hve een none whether tken possession of y the Insurer or not. The Insurer will not py for ny lim unless the terms of this Poliy Conition hve een omplie with. 9 Surogtion Any limnt uner this Poliy shll t the Insurer s request n expense tke or permit to e tken ll neessry steps for enforing rights ginst ny other prty in the nme of the Insure efore or fter the Insurer mkes ny pyment. The Insurer grees to wive ny suh rights to whih the Insurer might eome entitle y surogtion ginst ny ompny stning in reltion of prent to susiiry (or susiiry to prent) to the Insure or ginst ny ompny whih is susiiry of prent ompny of whih the Insure re themselves susiiry, in eh se within the mening of the Compnies At or Compnies (Northern Ireln) Orer urrent t the time of the Dmge. 10 Dishrge of Liility The Insurer my t ny time py to the Insure in onnetion with ny lim or series of lims the Limit of Inemnity; or the Sum Insure; or lesser mount for whih suh lim or lims n e settle fter eution of ny sums lrey pi n less the mount of ny Exess. The Insurer will not mke ny further pyment in respet of suh lim or lims exept for osts n expenses whih the Insurer hs lrey gree to er n whih were inurre prior to suh pyment. 11 Aritrtion If ny ifferene rises s to the mount to e pi uner this Poliy (liility eing otherwise mitte y the Insurer) suh ifferene shll e referre to n ritrtor to e ppointe y the Insure n the Insurer in orne with sttutory provisions. Where ny ifferene is referre to ritrtion in orne with this onition, the mking of n wr shll e onition preeent to ny right of tion ginst the Insurer. 12 Numer of Persons The premium for this Poliy is se on the mximum numer of persons engge in the Business t ny one time. The Insure shll notify the Insurer immeitely if this numer shll hnge. 13 Rights of Prties A person or ompny who ws not prty to this Poliy hs no right uner the Contrts (Rights of Thir Prties) At 1999 or ny susequent legisltion to enfore ny term of this Poliy ut this oes not ffet ny right or remey of thir prty whih exists or is ville prt from suh At. 14 Other Insurnes If t the time of ny Dmge there is ny other insurne overing suh inients, the Insurer will only py their rtele proportion of suh loss. 15 Conitions Preeent If the Insure oes not omply with ny prt of ny onition whih mkes pyment of lim onitionl upon ompline with it ( onition preeent), the Insurer will not py for ny lim, exept tht where the onition onerne: opertes only in onnetion with prtiulr premises or lotions, the Insurer will py for lims rising out of n event ourring t other premises or lotions whih re not speifie in the onition; opertes only t prtiulr times, the Insurer will py for ny lim where the Insure shows on the lne of proilities tht its non-ompline with the onition i not use or ontriute to the injury, loss, mge or liility whih ourre; woul, if omplie with, ten to reue prtiulr types of injury, loss, mge or, s the ontext my require liility, the Insurer will py for ny lim where the Insure shows on the lne of proilities tht its non-ompline with the onition i not use or ontriute to the injury, loss, mge or liility whih ourre. 11

14 Complete Contrtor Poliy Woring Poliy Conitions (ontinue) 16 Non Invlition This Poliy shll not e invlite y: ny t or omission or y ny ltertion unknown to or eyon the ontrol of the Insure y whih the risk of mge is inrese, provie tht the Insure shll give notie to the Insurer (n py n itionl premium if require) immeitely they eome wre of suh t, omission or ltertion workmen on the Premises rrying out repirs, generl mintenne work or minor struturl or other ltertions. 17 Protetions The Insure must ensure tht ll seurity protetions in fore t the Premises t the ineption of this Poliy or susequently s stipulte y or gree y the Insurer shll e in full opertion seuring the Premises whenever the Premises re lose for usiness or Unoupie remove ll keys inluing uplite keys reltive to the seurity of the Business from the Premises exept from ny prt of the Premises within whih the Insure or n uthorise keyholer resies when the Premises re lose for usiness or Unoupie. 18 Fire Preutions In respet of fire extinguishing pplines within the Premises the Insure must inspet the pplines in orne with the mnufturer/instllers instrutions for the purpose of sertining tht they re in ll respets mintine in proper working orer mintin uring the urreny of this Poliy mintenne ontrt proviing for n nnul inspetion with n instller or supplier of pprove equipment ensure tht ll fire rek oors n shutters re kept lose exept uring working hours n re mintine in effiient working orer n to remey promptly ny efet whether islose y suh inspetion(s) or otherwise. 19 Intruer Alrm It is onition preeent to liility tht where the Premises or prt of the Premises re protete y n Intruer Alrm Instlltion s speifie y the seurity level etile in the Poliy Sheule: e suh Intruer Alrm Instlltion i must not e ltere or mene in ny wy unless suh menment or ltertion hs een pprove in writing y the Insurer ii must e mintine uner ontrt with the instllers or s otherwise pprove in writing y the Insurer ll keys to the Intruer Alrm Instlltion must e remove from the Premises when the Premises re unttene the Insure must i mintin the serey of oes for the opertion of the Intruer Alrm Instlltion n no etils of suh oes shll e left on the Premises when the Premises re unttene ii where remote signlling lrm is require, immeitely notify the Insurer upon reeipt of ny ommunition giving notie tht the level of response to the Intruer Alrm Instlltion hs een or will e reue iii ppoint t lest 2 keyholers n, where remote signlling lrm is require, loge written etils (whih must e kept up to te) with the lrm ompny n the lrm reeiving entre in the event of notifition of i ny lrm fult ii tivtion of the Intruer Alrm Instlltion iii interruption of the mens to trnsmit or reeive signls to or from the Intruer Alrm Instlltion uring ny perio tht the Intruer Alrm Instlltion is set keyholer must tten the Premises s soon s possile the Premises must not e left without t lest one Responsile Person in ttenne without the greement of the Insurer i unless the Intruer Alrm Instlltion is set in its entiretyn with the mens to trnsmit or reeive signls (inluing the signlling pth or pths) in full n effetive opertion ii where the polie hve withrwn their response to 1 n lrm tivtion (where the Intruer Alrm Instlltion oes not inlue onfirme lrm tivtion tehnology) 2 onfirme lrm tivtion where the Intruer Alrm Instlltion inlues onfirme lrm tivtion tehnology. 12

15 Complete Contrtor Poliy Woring For the purposes of this onition the following efinitions pply: Intruer Alrm Instlltion shll inlue ll the omponent prts etile in the lrm speifition n inlue the evies use to trnsmit or reeive signls. Keyholer shll men the Insure or ny person or keyholing ompny uthorise y the Insure 1 who is ville t ll times to i ept notifition of fults or lrm signls relting to the Intruer Alrm Instlltion 8 ii tten n llow ess to the Premises 2 hs een fully trine in the opertion of the Intruer Alrm Instlltion inluing ut not limite to the setting/unsetting of the instlltion. Responsile Person shll men person uthorise y the Insure to e responsile for the seurity of the Premises 20 Unoupie Builings It is onition preeent in respet of ny Unoupie Builings tht e mins servies shll e swithe off n the wter system(s) rine unless i eletriity is neee to mintin ny fire or intruer lrm system in opertion ii mins servies re neee to mintin ny sprinkler system(s) in full working orer. In these irumstnes heting must e mintine t minimum temperture of 5 egrees Centigre. the Builings or portions thereof shll e inspete thoroughly oth internlly n externlly t lest weekly y the Insure or employees of the Insure n i reor mintine of suh inspetions ii ll efets in seurity n mintenne re retifie immeitely umultions of omustile mterils shll e remove the Builings or portions thereof shll omply with the seurity level requirements stte on the Sheule n e seure ginst unlwful entry inluing the setting of ll seurity loking n other seurity mehnisms in opertion the Insure must notify the Insurer immeitely if the Builings or portion thereof re to e oupie y ontrtors for renovtion, ltertion or onversion purposes The Insurer shll lso hve the right to vry the terms or nel over where pproprite. 21 Wste Conition The Insure must ensure tht All hzrous n/or omustile tre wste from mnufturing proesses suh s swust, shvings, lippings or uttings e swept up n gge ily n remove from the Builing(s) t lest one week. All wste store externl to the Builing(s) pening olletion shoul e store in i non-omustile, lose, lie ontiners or ii wste ontiners kept t lest 5 metres from ny uiling or other property n remove from the Premises when the ontiners re full. All oily n/or gresy wste n loths whih remin in the Builing(s) overnight e kept in metl lie ontiners. 22 Stillge Conition Contents, Stok, Computers n Eletril Offie Equipment whih re movele in ny sement or ellr must e rise t lest 10 entimetres ove the floor. 23 Smoking Conition It is onition preeent to liility tht the Insure will enfore no smoking poliy t the Premises whih omplies with urrent legisltion only llow smoking in lerly mrke, speifilly esignte smoking res, whih omply with urrent legisltion in ll esignte smoking res, provie metl reeptles with metl lis, for the sfe isposl of wste smoking mterils ensure tht wste smoking mterils, when eing remove from the esignte smoking res, re kept seprte from other omustile wste mteril n re store in metl reeptles with metl lis whilst witing finl removl from the Premises. 24 Survey n Risk Improvement Conition If this Poliy hs een issue or renewe sujet to the Insurer ompleting survey or surveys of the Premises or of ny other lotion(s) s speifie y the Insurer, then pening ompletion of suh survey(s) Cover is provie y the Insurer on the terms, onitions, provisions, exlusions n limits s speifie in the Poliy n in the Setions of the Poliy. In the event tht survey shoul show tht risk or ny prt of it is not stisftory in the opinion of the Insurer, then the Insurer reserves the right to either 13

16 Complete Contrtor Poliy Woring Poliy Conitions (ontinue) lter the premium or terms n onitions of the Cover, or suspen or nel Cover i from the te Cover ws inepte or renewe, or ii for ny other perio speifie y the Insurer It is onition preeent to the liility of the Insurer tht the Insure must omply with ll survey risk improvements require y the Insurer within ompletion time sles speifie y the Insurer. In the event tht risk improvement is not omplete or risk improvement proeures re not introue within the ompletion time sles speifie y the Insurer, then the Insurer reserves the right to either ontinue Cover sujet to ltertion of the terms n onitions of suh Cover, or suspen or nel Cover effetive i from the te Cover ws inepte or renewe or ii from the expiry of ny time perio speifie y the Insurer for ompletion/introution of the require survey risk improvements, or iii for ny other perio speifie y the Insurer If the terms or onitions of Cover re mene y the Insurer, then the Insure will hve 14 ys to ept or rejet the revise sis of Cover. If the Insure elet to rejet the revise sis of Cover, then provie no lim hs een me or inient hs risen whih is likely to give rise to lim uring the urrent Perio of Insurne the Insure will e entitle to refun of the premium pi lulte on pro-rt sis, less n ministrtion hrge of 25 to over opertionl osts. The mount of ny premium to e refune uner this onition will e reue y ll unpi premiums or unpi premium instlments ue. If the Insurer exerises the right to suspen or nel Cover, then provie no lim hs een me or inient hs risen whih is likely to give rise to lim uring the urrent Perio of Insurne the Insure will e entitle to proportionte return of the premium in respet of suh perio tht Cover is suspene or for ny perio eyon the effetive te from whih Cover is nelle. The mount of premium refun pyle will e reue y ll unpi premiums or unpi premium instlments ue. Exept in so fr s they re expressly vrie y this onition, ll of the terms, onitions, provisions, exlusions n limits of the Poliy n of the Setions of the Poliy shll ontinue to pply until the Insurer vises otherwise. To the extent tht this onition onflits with ny other nelltion onition, this onition shll previl. 25 Minimum Level of Seurity This onition is only pplile where stte y luse pplie to the Poliy. It is onition preeent to liility tht the following requirement, inluing ny lrm requirement where speifie y the seurity level etile in the Poliy Sheule, re met within 60 ys of the ineption or menment of the Poliy. Any lterntive methos of seuring the Premises must e gree in writing y the Insurer. The Insure must ensure these mesures re in fore when the Premises re lose for usiness or unttene. Seurity Level 1 The over provie is sujet to the following minimum stnrs of seurity. Doors Depening on whih of the following oor types re present, the following requirements pply to ll externl oors n internl oors whih le to nother prt of the Builing whih the Insure o not oupy; 1 UPVC, or Aluminium or plsti frme glze oors multipoint lok whih, where instlle fter 30/06/2011, onforms to PAS 3621 (inluing menments) or yliner operte mortise elok. For oule oors, the first losing setion must hve integrl or surfe mounte olts whih shoot into the frme t the top n the floor t the ottom of the oor. The finl losing setion must hve yliner operte mortise elok. 2 Armoure plte glss oors oor mnufturer s integrl loks. 3 Other single-lef oors provie the oor thikness is minimum of 44mm mortise elok to BS 3621 (inluing menments) n oxe steel striking plte t lest 175mm long shoul e fitte. If the oor thikness is less thn 44mm seure with eloking rim lok to BS 3621(inluing menments). The Insure must put either of these into the elok position when the Premises re lose for usiness or unttene. 4 Doule-lef oors seure the finl losing setion with lok s esrie in 3 ove n seure the first losing setion with olts t lest 175mm long n hving minimum throw of 20mm, whih shoot into the frme t the top n the floor t the ottom of the oor. Or, fit one setion with olts t the top n ottom (s esrie ove) n oth prts of the oor with plok n loking r. If the loking r is on the outsie of the oor, it must 14

17 Complete Contrtor Poliy Woring e use with plok onforming to BS EN Seurity Gre 5 (inluing menments). If the loking r is internl, it must e use with plok onforming to BS EN Seurity Gre 4 (inluing menments). The plok r must e of similr strength to the plok n esigne to e use speifilly with the plok, in oth ses the plok r must e seure to the oor with oh olts. 5 Fire exit oors the relevnt enforing uthority must pprove ny loks on these oors. The Insurer must pprove ny loks or other metho of seurity the Insure grees following isussion with the enforing uthority. 6 Foling oors seure ll foling setions with olts t top n ottom, s esrie in 4 ove. Depenent upon its onstrution, the lst setion must e seure with lok s esrie in 3 ove or with oh olte loking r n plok s esrie in 4 ove. 7 Sliing oors oh-olte loking r n plok seure s esrie in 4 ove, or elok with hook olt whih onforms to BS 3621(inluing menments). 8 Wiket gtes epenent upon its onstrution (see ove) mortise elok or eloking yliner rim-lth to BS 3621 (inluing menments) or loking r n plok s in 4 ove. 9 Roller Shutters these must onform to LPS 1175 (inluing menments). For eletrilly operte roller shutters, the Insure must fit key operte isoltion swith to the eletriity supply to the ontrols. If this is not fitte then one of the mesures for mnully operte roller shutters shown elow must e instlle. olt fitte to the shutter oor internlly with the olt engging into the oor runner n ploke into position using plok onforming to BS EN Seurity Gre 4 (inluing menments). Winows All winows in externl wlls t groun floor n sement levels n ny winows, fnlights n skylights in essile positions (essile mens winow, fnlight n skylight tht n e esily rehe, suh s one next to low roof, espeilly flt roof or fire espe) whih were originlly me to open must hve either 1 Winow loks tht use key. Louvere winows must e reple with either fixe glss, or norml opening winow whih n e seure with winow lok use with key. 2 Soli steel rs, fitte horizontlly or vertilly, not less thn 19mm in imeter n not more thn 125mm prt. These must e seurely fixe to the rikwork or msonry roun the winow to epth of t lest 50mm. These must e set k y t lest 50mm from the outsie surfe of the wll. Keys The rs must pss through tie rs, me of flt iron, t lest 6mm thik n 40mm wie n the istne etween the tie rs must not e more thn 600mm. The Insure must remove ll keys from the loks n keep them in seure ple or remove them from the Premises. If the Insure lives on the Premises, they must e remove to seure ple in the resientil prt of the Premises. Where the operting ontrols for the roller shutters re externl to the Premises, these re to e seure within wele steel housing of t lest 3mm thikness with oor or overplte seure with plok onforming to BS EN Seurity Gre 4 (inluing menments). The housing is to e so seure when the Premises re lose for usiness or unttene. The Insurer requires one of the following for mnully operte roller shutters: key operte "pinson" or "ullet" loks into eh guie ril fitte s lose to the ottom of the oor s possile the hin of the oor eing seure to the wll rket y goo-qulity open-shkle plok onforming to BS EN Seurity Gre 4 (inluing menments). 15

18 Complete Contrtor Poliy Woring Poliy Exlusions Applile unless stte to the ontrry uner Exlusions in the Setions This Poliy oes not over: 1 Wr Loss, estrution, mge, eth, Injury, islement or liility or ny onsequentil loss osione y wr invsion, t of foreign enemy, hostilities (whether wr e elre or not), ivil wr, reellion, revolution, insurretion or militry or usurpe power 2 Riotive Contmintion Loss or estrution of or mge to ny property whtsoever or ny loss or expense whtsoever resulting or rising therefrom or ny onsequentil loss or ny legl liility of whtsoever nture iretly or iniretly use y or ontriute to or rising from ionising ritions from or ontmintion y riotivity from ny nuler fuel or from ny nuler wste or from the omustion of nuler fuel the riotive, toxi, explosive or other hzrous or ontminting properties of ny nuler instlltion, retor or other nuler ssemly or nuler omponent thereof ny wepon or other evie utilizing riotive mteril n/or mtter n/or ionising rition n/or tomi or nuler fission n/or fusion or other like retion the riotive, toxi, explosive or other hzrous or ontminting properties of ny riotive mtter Exlusion n o not pply to Setion 2 Employers Liility other thn in respet of i the liility of ny prinipl ii liility ssume y the Insure uner ontrt or greement whih woul not hve tthe in the sene of suh ontrt or greement. Exlusions n o not pply to Setion 1 Puli Liility Setion 2 Employers Liility n Setion 5 Personl Aient. 3 Soni Bngs Dmge iretly osione y pressure wves use y irrft n other eril evies trvelling t soni or supersoni spees 4 Northern Ireln Exlusion Loss, estrution or mge n ny onsequentil loss in Northern Ireln osione y or hppening through or in onsequene iretly or iniretly of riot, ivil ommotion n (exept in respet of Dmge or ny onsequentil loss y fire or explosion) strikers, loke out workers, persons tking prt in lour isturnes or mliious persons 5 Computer Dte Exlusion Dmge or liility iretly or iniretly use y or onsisting of or rising from the filure of ny omputer or other equipment or system for proessing, storing or retrieving t, whether the property of the Insure or not, to hieve ny or ll of the purposes n onsequentil effets intene y the use of ny numer to enote te inluing the filure orretly to reognise ny te s its true lenr te to reognise, pture, sve, retin, restore n/or orretly to mnipulte, interpret, lulte or proess ny t or informtion or ommn or instrution s result of treting ny te otherwise thn s its true lenr te to reognise, pture, sve, retin, restore n/or orretly to mnipulte, interpret, lulte or proess ny t or informtion s result of the opertion of ny ommn whih hs een progrmme into ny omputer softwre or firmwre, eing ommn whih uses the loss of t or the inility to reognise, pture, sve, retin, restore or orretly to mnipulte, interpret, lulte or proess ny t on or fter ny te. ut the insurne shll not exlue ny susequent Dmge whih is not otherwise exlue 6 Tre Exlusions Liility in respet of ny work of emolition exept i of uilings or prt of uiling when suh work forms prt of ontrt for reonstrution ltertion or repir y the Insure ii of other strutures not exeeing 4 metres in height n not omprising or forming prt of ny uiling 16

19 Complete Contrtor Poliy Woring work in or on i irrft n/or erosptil evies runwys n/or nillry res to whih irrft n/or erosptil evies hve ess ii ny vessel or rft or evie esigne to flot on or in or trvel through wter n/or hrours n nillry res to whih suh vessels or rft or evies hve ess Loss or estrution of or mge to ny property other thn Computer Equipment where it rises iretly or iniretly out of Dmge to ny Computer Equipment of the type esrie in prgrph of this Exlusion unless, in respet of Dmge to other property rising from i, ii or iii ove, resulting from onurrent or susequent use not exlue y this or ny other poliy exlusion e f g work on i ulk oil, petrol, gs or hemil storge tnks or hmers ii rilwys, tunnels or motorwys iii lst furnes, riges, himney shfts, ollieries, oks, gs works, mines, oil refineries, power sttions, pylons, reservoirs, steeples, towers or viuts qurrying, lsting or iving opertions, wter iversion, m onstrution or work ehin ms the use of explosives, tunnelling or piling work, unerpinning or elierte e-wtering of the site the mking of exvtions exeeing in ny prt epth of 2 metres from the surfe the onstrution of puli ros or the lying of min sewers unless inientl to ny uiling ontrt unertken y the Insure. 7 Exess First prt of eh n every lim, for whih the Insure is responsile. 8 E-Risks Loss or estrution of or mge to ny Computer Equipment (s efine elow) onsisting of or use iretly or iniretly y: i progrmming or opertor error whether y the Insure or ny other person ii Virus or Similr Mehnism (s efine elow) iii Hking (s efine elow) iv mliious persons v filure of externl networks unless, in respet of i, ii n iii ove, suh Dmge results from onurrent or susequent use not exlue y this or ny other poliy exlusion ny finnil loss or expense of whtsoever nture, inluing ut not limite to usiness interruption, resulting iretly or iniretly from the type of Dmge esrie in prgrph of this Exlusion unless, in respet of i, ii or iii ove, the finnil loss or expense results from onurrent or susequent use not exlue y this or ny other poliy exlusion e Loss or estrution of or mge either to Computer Equipment or ny other property where it onsists of or rises iretly or iniretly out of: i the ersure, loss, istortion, orruption or unuthorise ess to or moifition of informtion on omputer systems or other reors, progrms or softwre y rioters, strikers, loke-out workers, persons tking prt in lour isturnes or ivil ommotions, or mliious persons ii the ersure, loss, istortion, orruption or unuthorise ess to or moifition of informtion on omputer systems or other reors, progrms or softwre ue to ny use not inlue in iove iii ny misinterprettion, use or misuse of informtion on omputer systems or other reors, progrms or softwre unless, in respet of ii n iii ove, suh Dmge results from onurrent or susequent use not exlue y this or ny other poliy exlusion ny finnil loss or expense of whtsoever nture, inluing ut not limite to usiness interruption, where it rises iretly or iniretly from the type of Dmge esrie in prgrphs n of this Exlusion unless, in respet of, ii n iii ove, the finnil loss or expense results from onurrent or susequent use not exlue y this or ny other poliy exlusion. For the purpose of this Exlusion: Computer Equipment mens omputer equipment, omponent, system or item whih proesses, stores, trnsmits or retrieves t, or ny prt thereof, whether the property of the Insure or not, whether tngile or intngile n inluing without limittion ny informtion, progrms or softwre. Virus or Similr Mehnism mens ny progrm oe, progrmming instrution or other set of instrutions intentionlly onstrute with the ility to mge, interfere with or otherwise versely ffet omputer progrms, t files or opertions (whether involving self replition or not), inluing ut not limite to Trojn Horses, Worms or Logi Boms. 17

20 Complete Contrtor Poliy Woring Poliy Exlusions (ontinue) Hking mens unuthorise ess to ny omputer or omputer equipment, omponent, system or item, whether the property of the Insure or not, whih proesses, stores, trnsmits or retrieves t. 9 Terrorism in respet of Engln, Wles n Sotln ut not the territoril ses jent thereto s efine in the Territoril Se At 1987: Loss or estrution or mge or onsequentil loss of whtsoever nture, iretly or iniretly use y, resulting from or in onnetion with i ny At of Terrorism, regrless of ny other use or event ontriuting onurrently or in ny other sequene to suh At of Terrorism ii ny tion tken in ontrolling, preventing or suppressing ny At of Terrorism, or in ny other wy relte to suh At of Terrorism In respet of ove n At of Terrorism (Terrorism) mens: Ats of persons ting on ehlf of, or in onnetion with, ny orgnistion whih rries out tivities irete towrs the overthrowing or influening, y fore or violene, of Her Mjesty s government in the Unite Kingom or ny other government e jure or e fto. in respet of territories other thn those stte in ove Loss or estrution or mge or ny onsequentil loss of whtsoever nture, iretly or iniretly use y, resulting from or in onnetion with i ny t of Terrorism, regrless of ny other use or event ontriuting onurrently or in ny other sequene to suh t of Terrorism ii ny tion tken in ontrolling, preventing or suppressing ny t of Terrorism, or in ny wy relte to suh t of Terrorism In ny tion suit or other proeeings where the Insurer lleges tht y reson of this Exlusion ny loss or estrution or mge or ny onsequentil loss is not overe (or is overe only up to speifie limit of liility), the uren of proving to the ontrry shll e upon the Insure. In the event ny prt of this Exlusion is foun to e invli or unenforele, the reminer shll remin in fore n effet. 10 Territoril Limits Dmge, injury or liility rising out of ny ourrene outsie Gret Britin, Northern Ireln, the Chnnel Islns or the Isle of Mn, exept where stte to the ontrry. 11 Pollution or Contmintion Loss, estrution or mge use y or resulting from pollution or ontmintion exept suh loss or estrution of or mge to the Property Insure or, if pplile, loss resulting from loss or estrution of or mge to property use y the Insure t the Premises for the purpose of the Business use y pollution or ontmintion whih itself results from fire, lightning, explosion, irrft or other eril evies or rtiles roppe therefrom, riot, ivil ommotion, strikers, loke-out workers, persons tking prt in lour isturnes, mliious persons other thn thieves, erthquke, storm, floo, ursting, overflowing, ishrging or leking of wter tnks, wter pprtus or wter pipes, sprinkler lekge or impt y ny ro vehile or niml, lwys provie tht suh peril is insure y this Poliy ny of the perils liste in 11 whih itself results from pollution or ontmintion. 12Chnges In Wter Tle Level Dmge ttriutle solely to hnges in the wter tle level. In respet of ove n t of Terrorism (Terrorism) mens: An t, inluing ut not limite to the use of fore or violene n/or the thret thereof, of ny person or group(s) of persons whether ting lone or on ehlf of or in onnetion with ny orgnistion(s) or government(s), ommitte for politil, religious, ieologil or similr purposes inluing the intention to influene ny government n/or put the puli or ny setion of the puli in fer. 18