SPECIMEN. Commercial Producers. Indemnity. Zurich Global Corporate UK

Transcription

1 Indemnity Commeril Produers Zurih Glol Corporte UK

2 2 Commeril Produers Indemnity In onsidertion of the Insured nmed in the Shedule nd rrying on the usiness desried herein pying to the ZURICH (hereinfter lled the Compny ) the first premium stted in the sid shedule. The Compny will provide insurne in the terms of this Poliy. The Proposl mde y the Insured is inorported in nd is the sis of this Contrt. This poliy nd the Shedule nd Endorsements shll e red together s one ontrt nd ny word or expression to whih speifi mening hs een tthed in ny Setion or Shedule shll er tht mening wherever it my pper. The liility of the Compny shll in no se exeed the mount of ny Sum Insured or in the whole the Totl Sum Insured therey or ny other Limit of Liility expressed in the Shedule t the time of the event (or suh other sum or limit s my e sustituted therefore y Endorsement hereon signed for nd on ehlf of the Compny). Signed for nd on ehlf of the Compny

3 Interprettion For the Purpose of this Insurne the following terms shll hve speifi menings s follows: Proposl ny signed proposl form nd delrtion or ny informtion supplied y or on ehlf of the Insured in ddition or in sustitution for proposl form. Insured Prodution Any prodution whether TV/Cinem/Commeril (terrestril, le, stellite, digitl, intertive), promo, rdio, in-house produtions, stills, poster, press, newsletter, mgzine, rohure, point-of-sle, diret mrketing, wesites, speilist pulitions, internet pulitions, editorils, press relese presenttion, onferenes, trining sessions, ll witing filities for telephone servies nd/or similr nd s used herein inluding ll work undertken y the Insured nd ommened during the Period of Insurne nd ontinuing until the ompletion of the prodution inluding the mpign period (sujet to the mximum period from expiry of this insurne not exeeding 12 months in ll). Insured Person Any person, lient su-ontrtor or employee sheduled to work on or pper in ny Insured Prodution. Territoril Limits Anywhere in the World. Exess The Totl mount pyle y the Insured whih shll first e deduted from the finlly djusted lim efore remining mount is orne y the Compny. Expenditure All osts hrgele diretly to prodution inluding diretor nd produer fees nd mrk up. It shll lso inlude ny loss pid under Setions I nd II. The osts of the underlying rights nd mterils (i.e., story senrio musi rights sound rights roylties interest on lons nd personl property txes) shll not e inluded, unless requested y the Insured nd greed y the Compny. In determining osts hrgele diretly to the prodution ny ompenstion for servies rendered whih the Insured my owe or py ny prtner offier or orporte diretor shll not e inluded exept s prt of mrk-up unless the servies rendered y the individul re inluded in the originl udget. The Compny Zurih Insurne Compny, limited ompny inorported in Switzerlnd. Registered in the Cnton of Zurih, numer Hed offie in the United Kingdom is situted t: Zurih House, Stnhope Rod, Portsmouth, Hmpshire PO1 1DU United Kingdom rnh numer BR105 ( the Compny ) 3

4 Generl poliy onditions Generl poliy onditions pplile to ll setions of the poliy 1 Definition of Insured The unqulified word Insured wherever used in this poliy inludes the Nmed Insured nd ny offier, stokholder, diretor or employee thereof while ting within the sope of their duties s suh nd if the Nmed Insured is prtnership the unqulified word Insured There n e no ndonment of ny property lso inludes ny prtner therein ut only with respet to his liility s suh. 2 Joint Insured If more thn one insured is nmed in this poliy, the insured first nmed shll t for every Insured for ll purposes of this poliy. Knowledge possessed or disovery mde y relting to this insurne or to loss t ny time. ny Insured shll onstitute knowledge possessed or disovery mde y every Insured. 3 Due Diligene The Insured shll use due diligene nd do onur in doing ll things resonly prtile to void or diminish ny loss or ny irumstne likely to give rise to lim insured under this poliy. 4 Contrt Terms nd Prior Arrngements Requirement All of the overges fforded under this poliy re sujet to the provision tht ll ontrt terms for performne servies, use of filities, property, equipment nd supplies re suffiiently longer thn the Insured s originl sheduled time for ompletion of n Insured Prodution so s to llow resonle mrgin of time to over possile dely in ompleting it. Compny might otherwise hve with respet to Further the Insured must demonstrte tht ll mteril rrngements, for the Insured Produtions hve een mde, inluding ut not limited to hving otined ny required liene, vis or permit. 5 Protetion of Property In se of loss, it shll e lwful nd neessry for the Insured or their ftors, servnts nd ssigns, to sue, lour, nd trvel for, in nd out the defene, sfegurd nd reovery of the property insured hereunder, or ny prt thereof, without prejudie to this insurne, nor shll the ts of the Insured or the Compny in reovering, sving nd preserving the property insured, in se of loss, e onsidered wiver or n eptne of ndonment. The expenses so inurred shll e orne y the Insured nd the Compny proportiontely to the extent of their respetive interest. 6 Andonment of Property to the Compny unless speifilly provided herein to the ontrry: 7 Conelment or Misrepresenttion This insurne will e rendered null nd void if the Insured intentionlly onels or misrepresents ny mteril ft or irumstne 8 Aess to Reords nd Exmintion Under Oth. The Compny or its uthorised representtives shll hve ess to ll ounts, ontrts, invoies nd reords of the Insured relting to ny delred prodution t ll times during the terms of this poliy or while lim is pending, t suh resonle time nd ple s my e designted y the Compny or its representtives. The Insured s often s my e resonly required shll sumit, nd so fr s within their power use ll other persons interested in ny suh delred prodution nd their employees to sumit, to exmintion under oth y the Compny or its representtive in onnetion with the investigtion of ny lim hereunder, shll e deemed to wiver of ny defene whih the ny lim, ut ll suh exmintions nd ts shll e deemed to hve een mde or done without prejudie to the Compny s liility. 9 Inspetion The Compny shll e permitted ut not oligted to inspet the nmed Insured s property nd opertions t ny time. Neither the Compny s right to mke inspetions nor the mking thereof nor ny report thereon shll onstitute n undertking on ehlf of or for the enefit of the Nmed Insured or others, nd shll not ommit or oligte the Compny in ny mnner whtsoever. 4

5 10 Time Limittion Suit No suit, tion or proeeding for the reovery of ny lim under this poliy shll e sustinle in ny ourt of lw or equity unless the Insured hs fully omplied with ll the requirements of this poliy, nd unless the sme e ommened within twelve (12) months fter disovery y the Insured of the ourrene whih gives rise to the lim, provided however, tht if y the lws of the stte, provine or ountry within whih this poliy is issued suh limittion is invlid, then ny suh lims shll e void unless suh tion, suit or proeeding e ommened within the shortest limit of time permitted y the lws of suh stte, provine or ountry. 11 Uninsured Event Exlusion. If ny uninsured event ours efore, onurrently with or fter the hppening of n insured event nd diretly or indiretly uses or in ny wy ontriutes to use loss s defined herein under the terms of this poliy, then the portion of ny suh loss so ontriuted to y the uninsured event shll not e loss reoverle hereunder. 12 Consequentil Loss Exlusion. Any onsequentil loss or dmge tht the Insured my suffer y reson of lims y third prties for filure of the Insured to fulfil ny ontrt is herey exluded. 13 Wr Risk nd Governmentl Authority nd Civil Commotion Exlusion. The Compny shll not e lile for ny loss used diretly or indiretly y: Hostile or wrlike tion in time of pee or wr, inluding tion hindering, omting of defending ginst n tul, impending or expeted ttk. () y ny government or sovereign power (de jure or de fto), or y ny uthority mintining or using militry, nvl or ir fores: or () y militry, nvl or ir fores: or () y n gent of ny suh government power uthority or fores: Any wepon of wr employing tomi fission or rdiotive fore whether in time of pee or wr: d e Insurretion, reellion, revolution, ivil wr, usurped power, or tion tken y governmentl uthority in hindering, omting or defending ginst suh n ourrene: Seizure or destrution under qurntine or ustoms regultion, onfistion y order of ny government or puli uthority, or risks of ontrnd or illegl trnsporttion or trde: or Civil Commotion ssuming the proportions of or mounting to populr rising, riot, mrtil lw or the t of ny lwfully onstituted uthority. 14 Nuler Exlusion. This Compny shll not e lile for ny loss or dmge used y or resulting from nuler retion or nuler rdition or rdiotive ontmintion. All whether ontrolled or unontrolled, nd whether suh loss e diret or indiret, proximte or remote, or e used y, ontriuted to, or ggrvted y the peril(s) insured ginst in the poliy: however, sujet to the foregoing nd ll provisions of this poliy, diret loss y fire resulting from nuler retion or nuler rdition or rdiotive ontmintion is insured ginst y this poliy. 15 Infidelity Exlusion. This poliy does not insure ginst loss or dmge used y or resulting from ny frudulent, dishonest, or riminl t(s) ommitted lone or in ollusion with others y: Any employee, offier, diretor, prtner, trustee or ny other uthorised representtive of the Insured, whether or not suh t(s) e ommitted during regulr usiness hours: or Others to whom the property overed hereunder my e entrusted (rriers for hire exepted). 16 Breh of Contrt This poliy does not insure ginst ny loss or dmge used y or resulting from ny reh of ontrt, y the Insured whether diretly or indiretly unless due to Fore Mjeure. 5

6 17 Lk of Finnil Support This poliy does not Insure ginst ny loss rising diretly or indiretly from lk of finnil support of ny kind. 18 Notie of Loss The Insured shll immeditely report in writing to the Compny or its gent every loss, dmge or ourrene whih my give rise to lim under this poliy nd shll lso file with the Compny or its gent within ninety (90) dys from dte of disovery of suh loss, dmge or ourrene, detiled sworn proof of loss. 19 Apprisl If the Insured nd the Compny do not gree on the mount of the loss, either my mke written demnd for n pprisl of the loss. When this ours, eh will selet nd py ompetent nd imprtil ppriser. The two pprisers will selet n umpire. If the pprisers nnot gree on n umpire, either my request tht judge of ourt hving jurisdition mke the seletion. Eh ppriser will then prise the loss stting seprtely the vlue t the time of the loss nd the mount of the loss. If the pprisers do not gree, they will sumit their sttements to the umpire. Agreement y the umpire nd either of the pprisers will e inding. The Insured nd the Compny will eqully shre ny other pprisl expenses nd the expense of the umpire. Even though the Compny my sumit to n pprisl, the Compny will retin their right to deny the lim. 20 Pir, Set or Prts In the event of loss or dmge to: Any rtile or rtiles whih re prt of pir or set, the mesure of loss or dmge to suh rtile or rtiles shll e resonle nd fir proportion of the totl vlue of the pir or set, giving onsidertion to the importne of sid rtile or rtiles, nd suh loss or dmge shll not neessrily e onstrued to men totl loss of the pir or set or. Any prt of property overed onsisting, when ompleted for use, of severl prts, the Compny shll only e lile for the vlue of the prt lost or dmged. 21 Property of Others The Compny my djust losses with the owners of lost or dmged property, if other thn the Insured. If the Compny pys the owners, suh pyments will stisfy the Insured s lims ginst the Compny for the owners property. The Compny will not py the owners more thn their finnil interest in the insured property. The Compny, t its own expense nd within the pplile limits of liility, my lso elet to defend the Insured ginst suits rising from lims of owners of property. 22 No Benefit to Crrier or Bilee No person or orgnistion hving ustody of insured property will enefit from this insurne, other thn the Insured. 23 Surogtion If in the event of loss, dmge, expense or liility the insured shll quire ny rights of tion ginst ny individul, firm or orportion for loss, dmge, expense or liility overed hereunder, the Insured will, if requested y the Compny, ssign nd trnsfer suh lim or right of tion to the Compny or, t the Compny s option, exeute nd deliver to the Compny the ustomry form of lon reeipt upon reeiving n dvne of funds in respet of suh loss, dmge, expense or liility, nd will surogte the Compny to, or will hold in trust for the Compny, ll suh rights of tion to the extent of the mount pid or dvned, nd will permit suit to e rought in the Insured s nme under the diretion of nd t the expense of the Compny. 24 Other Insurne In the event of loss hereunder, this poliy shll pro-rte ny loss or expense with ny other insurne overing the sme loss (other thn life insurne), exept s provided under third Prty Property Dmge Liility setion. 6

7 25 Pyment of Loss All djusted lims shll e pid or mde good to the Insured within sixty dys fter presenttion nd eptne of stisftory proof of interest nd loss t the offie of the Compny. No loss shll e pid or mde good if the Insured hs olleted the sme from others. 26 Chnges This poliy n only e hnged y written mendment tht eomes prt of the poliy. An uthorised representtive of the Compny must sign the mendment. 27 Cnelltion The poliy my e nelled y the Insured miling to the Compny written notie stting when therefter suh nelltion shll e effetive. The poliy my e nelled y the Compny y miling stting when not less thn ten (10) dys therefter suh nelltion shll e effetive, exept tht five (5) dys written notie will e given y the Compny when nelltion is for non-pyment of premium. The miling of suh notie shll e suffiient proof of notie nd the effetive dte of nelltion stted in the notie shll eome the end of the poliy period. Delivery of suh written notie either y the Insured or y the Compny shll e equivlent to miling. In the event the poliy or speifi overge is nelled y either prty, the deposit premium for the poliy or the speifi overge shll e deemed fully erned unless nd until the Insured sumits finnil sttement ertified y n independent uditor pproved y the Compny nd inditing the ext figure for inurred expenses on ll udget items used to determine the deposit premium t the time the nelltion hs eome effetive. The Compny using the rte indited in the poliy shll return the differene etween the deposit premium nd the djusted premium or the minimum premium indited in the poliy or speifi overge should this minimum premium e greter thn the djusted premium. 28 Jurisdition Cluse This insurne shll e governed y the lws of Englnd nd Wles whose Courts shll hve jurisdition in dispute rising hereunder. 29 Conformity to Sttute Terms of this poliy whih re in onflit with the lw of the stte, provine or ountry wherein this poliy is issued re herey mended to onform to suh sttutes. 30 Speil Condition 1 It is herey noted nd grees tht sujet to the terms, ondition nd exlusions ontined herein or endorsed hereon this insurne will indemnify the Assured in ordne with the relevnt onditions of the following ontrts: APA/IPA/IBSA nd/or EACA greements, Pnvision Hiring greement nd other similr greements, Studio, fility, lortory, post prodution nd/or other similr greements. 31 How to Clim Should you need to mke lim, plese ontt your insurne intermediry. Alterntively, if you do not hve n intermediry plese ontt your norml Zurih ontt t the following ddress/telephone numer: Zurih Glol Corporte UK The London Underwriting Centre 3 Minster Court Mining Lne London EC3R 7DD Tel:

8 Setion I Prodution nd mpign interruption Insuring Agreement The Compny grees to py to the Insured suh loss (s defined) s the Insured my sustin due to the interruption nd/or postponement nd/or nelltion nd/or ndonment nd/or urtilment nd/or resheduling of ny Insured Prodution (s defined) undertken y the Insured during the Period of Insurne. As result of ny use whtsoever eyond the ontrol of the Insured inluding non pperne of ny person, lient, su-ontrtor or employee, inluding s voie over, on whose ehlf the Insured is instruted for prodution nd/or mpign nd non pperne of ny insured produt intended to pper referred to or s prt of n Insured Prodution. Limit of Liility nd Dedutile The Compny s limit of liility with respet to ny one ourrene shll not exeed the mount stted in the Shedule. The Compny s liility for loss shll only e to py the mount in exess of the dedutile stted in the Shedule for eh loss seprtely ourring. Definition of Loss Loss s used in this overge shll men ny extr expenditure s defined in the Interprettion inurred y the Insured in ompleting the Insured Prodution, over nd ove the expenditure whih ut for the hppening of ny one or more of the ourrenes speified ove would hve een inurred in ompleting the Insured Prodution inluding extr expenditures rising out of, resulting from, used y or s onsequene of ny oligtion or requirement of the Insured to meet ny shedule dedlines, delivery dtes, relese dtes, ir dtes or ny other ompletion dte, provided suh expense ours in onjuntion with loss otherwise overed under this setion of the poliy. In the event tht the hppening of one or more of the ourrenes speified ove, resonly, prtilly nd neessrily prevents ompleting the Insured prodution(s) the Insured shll hve the option to ndon the prodution nd lim under this Setion for suh tul expenditures inurred during prodution nd/or mpign s hve een rendered entirely vlueless solely nd diretly y reson of the hppening of one or more of the ourrenes speified ove. However, no lim for ndonment of the Insured Prodution will e overed hereunder, if suh ndonment is the result of the Insured's filure to meet shedule dedlines, delivery dtes, relese dtes, ir dtes or ny other ompletion dte tht did not llow resonle mrgin for sfety (s defined y industry prties) etween ompletion of the prodution nd ny shedule dedlines, delivery dtes, relese duties ir dtes or ny other ompletion dte nd provided lwys tht the need to inur n ndonment lim is the result of loss otherwise overed under this setion of the poliy. Before pyment of n ndonment loss, the Insured shll surrender, ssign nd trnsfer to the Compny or its nominees ll rights, title nd interest in ll underlying works, s well s films or tpes nd ll opies nd relted mteril thereof for the prodution. 8

9 Exlusions The overge does not insure ginst loss diretly or indiretly used y or resulting from: d e f g Any person tking prt in ny hzrdous stunt, or ny hzrdous speil effet or the filure of ny hzrdous t, fet or performne. Any pre-existing helth ondition, inluding ut not limited to llergies or fil herpes, pregnny or menstrution when the insured person hs history of suffering from suh ondition prior to the prodution. The non-pperne of ny Insured Person ged under 5 or over 70 yers t the time of loss. Cnelltion, interruption, postponement of outdoor filming due to wether onditions exept when suh onditions prevent or dely ny property or personnel from rehing or deprting from the prodution lotion. Loss of or dmge to or mterils desried in the Insuring Agreement of Setion 2. Any t for whih indemnity would ordinrily e provided under professionl indemnity or errors nd omissions insurne. Animls unless speifilly dvised to nd greed y Underwriters. Loss Proedure (Notie of Inpity nd Right of Medil Exmintion) Immeditely fter the Insured is mde wre of ny Insured Person eing unle to ommene or ontinue their duties s result of whih lim might rise, the Insured shll notify the Compny, nd shll lso proure nd immeditely forwrd to the Compny the ertifite of duly qulified physiin whih shll detil fully the irumstnes in whih the inpity rises. The Insured shll ensure nd preserve to the Compny the ontinuing right of exmintion, t ll resonle times y its own ppointed physiin, of ny insured person whose inpity my led to lim. The Insured grees tht filure to omply with ny of these onditions will prejudie the Compny nd shll relese the Compny from ny liility in onnetion therewith. 9

10 Setion II Negtive film nd videotpe Insuring Agreement The Compny grees to py to or on ehlf of the Insured suh loss (defined elow) s the Insured shll sustin s result of loss of, dmge to, or destrution of rw film or tpe stok, exposed film (developed or undeveloped), videotpe, mtries, lvenders, interpositives, positives, working prints, utting opies, fine grin print, olour trnsprenies, ells, rtwork nd drwings, nd softwre nd relted mteril used to generte omputer imges, sound trks nd tpes used in onnetion therewith, used y n insured peril while suh property is used or to e used in onnetion with n insured prodution. Property Not Insured This overge does not insure k up tpe, ut-outs, nd unused footge or lirry stok. Limits of Liility nd Dedutile Perils Insured The Compny s limit of liility with respet to ny one ourrene shll not exeed the mount stted in the Shedule in onnetion with ny Insured Prodution. The Compny s liility for loss shll only e to py the mount in exess of the dedutile stted in the Shedule for eh loss seprtely ourring. This overge insures ginst ll risks of diret physil loss of or dmge to the property desried ove, from ny externl use, exept s exluded elow. In ddition the following perils re overed: Fogging, or the use of fulty mterils, fulty mers or videotpe reorders, or fulty sound equipment or sound trks. Fulty developing, editing or proessing. Cutting, physil editing, ueing or other lortory work, or identl ersure of videotpe reordings or sound trks. d Aidentl exposure to light. Exlusions This overge does not insure ginst loss diretly or indiretly used y or resulting from: d e f Deteriortion, tmospheri dmpness or hnges in wether onditions: exposure to extreme tempertures, unless due to peril otherwise overed nd unless not within the ontrol of the Insured. Dmge to or destrution of negtive film or tpes s defined in the Insuring Agreement, inluding duplite work prints or out-tkes, used y or resulting from intentionl ts of the Insured, or t the diretion of the Insured. Delierte Exposure of videotpe nd videotpe reordings to mgneti or eletril fields other thn in onnetion with the reording or reprodution of suh videotpe reordings: Errors or Omissions y the prodution rew due to non-ompline with the instrutions or speifitions of the mteril or equipment used in the prodution, or the epted stndrds of industry prtie. The exlusion pplies in prtiulr to errors of judgement in exposure, lighting or sound reording or from the use of inorret type of mer, lens, rw film or tpe stok, testing of rw film, equipment or new tehniques, nd to experimentl work. Dely in delivery of rw film or tpe stok: or X-rys. X-ry system, fluorosopi inspetion devies, eletromgneti rdition, rdiotive ontmintion, exposure to rdiotive mterils, ll whether ontrolled or unontrolled nd whether suh loss e proximte or remote. 10

11 Definition of Loss Loss s used in this overge shll men ny extr expenditure s defined in the the following speil representtion inreses the risk Interprettions inurred y the Insured of loss or dmge or results in loss or dmge under in ompleting ny Insured Prodution over nd ove the expenditure whih ut for the hppening of ny one or more of the ourrenes speified ove, would hve een inurred in ompleting the Insured Prodution, inluding extr expenditures rising out of, resulting from, used y or s onsequene of ny oligtion or requirement of the Insured to meet ny shedule dedlines, delivery dtes, relese dtes, ir dtes or ny other ompletion dte, provided suh expense ours in onjuntion with loss otherwise overed under this setion of the poliy. In the event tht the hppening of one or requiring reprodution of the mterils s well more of the ourrenes speified ove, resonly, prtilly nd neessrily prevents ompleting the Insured Prodution the Insured shll hve the option to ndon the prodution nd lim under this Setion for suh tul expenditures inurred during prodution represented y the Insured tht unproessed s hve een rendered entirely vlueless solely nd diretly y reson of the hppening of one or more of the dy, sujet to full Cmer/Stok Test, no ourrenes speified ove. more thn three shooting dys worth of film However, no lim for ndonment of the insured prodution will e overed hereunder, if suh ndonment is the result of the of the Insured's filure to meet shedule dedlines, delivery dtes, relese dtes, ir dtes, or ny other ompletion dte tht did not llow resonle mrgin for sfety (s defined y industry prties etween ompletion of the prodution nd ny shedule dedlines, delivery dtes, relese duties, ir dtes or lenses nd relted equipment re tested y ny of the ompletion dte nd provided lwys the hire ompny nd proved to e in sound tht the need to inur n ndonment lim is the result of loss otherwise overed under this intended to e used t ommenement of setion of the poliy. filming or tping of ny insured prodution, Before pyment of n ndonment loss, the Insured shll surrender, ssign nd trnsfer to the Compny or its nominees ll rights, title nd interest in ll underlying works, s well s films or tpes nd ll opies nd relted mteril thereof for the prodution. Speil Representtions To the extent tht filure y the Insured to ide y this Setion, suh filure shll void the ompny s oligtion nd defet reovery hereunder. It is represented y the Insured tht ll mterils desried in the Insuring Agreement inluding rtwork nd drwings, softwre nd relted mteril used to generte omputer imges s well s unused footge re to e kept until ompletion of the negtive protetion print or duplite tpe. Dmge to ny of these mterils nd drwings whih hve lredy een photogrphed nd for whih stisftory negtive film exists shll not result in loss under this poliy unless the orresponding negtive film is lso dmge, s of the film. In respet of Computer Generted Imges work, ll work must e ked up nd stored sfely on dily sis. Unless otherwise endorsed hereon, it is negtive films will, where possile, e proessed eh dy. If not proessed eh n e umulted. In ny lim, tion, suit or other proeeding to enfore lim for loss or dmge hereunder, the urden of proving tht suh loss or dmge does not fll within this representtion nd is not violtion of this representtion shll e solely upon the Insured. It is represented y the Insured tht mers, working ondition for the purpose it is in ordne with the highest stndrds of Industry prtie. 11

12 Setion III Props, sets nd wrdroe Insuring Agreement The Compny grees to py to or on ehlf of the Insured the vlue of props, sets, senery, ostumes, wrdroe nd similr thetril property owned y the Insured, or whih is the property of others for whih the Insured is lile, nd whih is lost, dmged or destroyed during the Period of Insurne, used y the perils insured ginst, if suh property is used or to e used in onnetion with n Insured Prodution. Property Not Covered This overge does not insure: d e Misellneous equipment s defined under Setion 4, of this poliy. Animls, plnt life (unless used s prt of thetril set), ounts, ills, urreny or money, notes, seurities, stmps, deeds, evidenes of det, letters of redit, redit rds, pssports nd rilrod, irline or other tikets. Permnent uildings or strutures, inluding ut not limited to, improvements nd etterments. This exlusion does not pply to uildings or strutures onstruted in onnetion with n insured prodution. Furniture nd fixtures tht re not used or intended to e used s prt of thetril set. Airrft (inluding gliders nd hnggliders), wterrft (replement vlue of whih is in exess of 25,000), rilrod rs or equipment, motoryles, motor vehiles or other motorised onveynes, exept (1) while eing used s prt of thetril set nd not in motion, or (2) while in trnsit to nd from set nd not eing self-propelled: or f Film or tpe s defined in Setion 2 of this poliy unless used s prop on thetril set. Limit of Liility nd Dedutile The Compny s limit of liility for ny one ourrene shll not exeed the mount stted in the Shedule in onnetion with ny Insured Prodution, exept tht with respet to ntiques, ojets of rt, furs, jewellery, preious or semipreious stones/metls/lloys, the Compny shll not e lile for more thn 10,000 with respet to ny ourrene. Perils Insured This overge insures ginst ll risks of diret physil loss of or dmge to the property desried ove from ny externl use, exept s hereinfter exluded. Exlusions This overge does not insure ginst loss or dmge diretly or indiretly used y or resulting from. d Insets, vermin, inherent vie, ltent defet, mehnil or struturl defet or rekdown, wer, ter, grdul deteriortion, deteriortion due to dmpness or dryness of tmosphere, extremes or hnge of tempertures, shrinkge, evportion, loss of weight, rust, ontmintion, or lekge of ontents, unless used y peril not otherwise exluded. Dmge sustined while the property is eing tully worked upon nd diretly resulting there from, nor loss or dmge to ny property undergoing onstrution, ltertion, repir or testing, unless identl fire or explosion ensues nd then only for the loss or dmge used y suh ensuing fire or explosion. Shortge of inventory or ny unexplined loss or mysterious dispperne. Rin, sleet, snow or hil, whether driven y wind or not, to property stored in the open (other thn while on lotion). 12

13 e f g Vlution Short iruit or other eletril injury, disturne, or filure, unless fire ensues nd then only for loss or dmge used y suh fire, or Intentionl ts of the Insured, or t the diretion of the Insured. Theft from ny vehile while suh vehile is unttended, unless t the time of suh theft the vehile is in seure ompound, windows, doors nd omprtments of the vehile re seurely losed nd loked nd ll items ontined therein whenever possile re removed from sight nd suh theft results from forile entry. This exlusion shll not pply to property in the ustody of rriers for hire. Property will e vlued t tul sh vlue s of the dte nd lotion of the ourrene, not exeeding, however, the mount whih it would ost to repir or reple suh property with mteril of like kind nd qulity, whihever is less. 13

14 Setion IV Misellneous equipment Insuring Agreement The Compny grees to py to or on ehlf of the Insured the vlue of mers, mer equipment, sound nd lighting equipment, portle eletril equipment nd genertors, mehnil effets equipment, grip equipment, moile dressing room nd honey wgon triler units, nd similr misellneous equipment owned y the Insured or whih is the property of others for whih the Insured is lile, nd whih is lost, dmged or destroyed during the Period of Insurne used y the perils insured ginst, while suh property is used or to e used in onnetion with n Insured Prodution. Property Not Insured This overge does not insure: d e f Film or videotpe, s defined under Setion 2 of this poliy. Props, sets or wrdroe s defined under Setion 3 of this poliy. Permnent uildings nd offie ontents, inluding, ut not limited to, improvements nd etterments, whether or not onstruted in onnetion with delred prodution. Airrft (inluding gliders nd hng-gliders); wterrft; rilrod rs or equipment. Motor vehiles liensed for highwy use, moile equipment vns, studio lotion windows, doors nd omprtments of the units, motor homes, or similr self- vehile re seurely losed nd loked nd propelled type units. Long-term lesed equipment unless endorsed on the poliy. Limit of Liility nd Dedutile The Compny s limit of liility with respet to ny one ourrene shll not exeed the mount stted in the Shedule in onnetion with ny Insured Prodution. The Compny s liility for loss shll only e to py the mount in exess of the dedutile stted in the Shedule for eh loss seprtely ourring. Perils Insured This overge insures ginst ll risks of diret physil loss of or dmge to the property desried ove from ny externl use exept s hereinfter exluded. Exlusions This overge does not insure ginst loss or dmge diretly or indiretly used y or resulting from: Insets, vermin, inherent vie, ltent defet, mehnil or struturl defet or rekdown, wer, ter, grdul deteriortion, deteriortion due to dmpness or dryness of tmosphere, extremes or hnges of temperture, shrinkge, evportion, loss of weight, rust, ontmintion, or lekge of ontents, unless used y peril not otherwise exluded. d e f Dmge sustined while the property is eing tully worked upon nd diretly resulting there from, nor loss or dmge to ny property undergoing onstrution, ltertion, repir or testing, unless identl fire or explosion ensues nd then only for the loss or dmge used y suh ensuing fire or explosion. Shortge of inventory or ny unexplined loss or mysterious dispperne. Theft from ny vehile while suh vehile is unttended, unless t the time of suh theft the vehile is in seure ompound, ll items ontined therein whenever possile re removed from sight nd suh theft results from forile entry. This exlusion shll not pply to property in the ustody of rriers for hire. Rin, sleet, snow, or hil, whether driven y wind or not, to property stored in the open (other thn while on lotion). Short iruit or other eletril injury, disturne or filure, unless fire ensues nd then only for loss or dmge used y suh fire, or g Intentionl ts of the Insured or t the diretion of the Insured. 14

15 Setion V Money I II Insuring Agreement The Compny will indemnify the Insured for loss of money y ny use not herein exluded nd loss of or dmge used y theft or ny ttempt theret to ny of the speified sfes or strong rooms ontining the money, sujet to limit of 5,000 sh per prodution outside of sfe.. Exlusions This insurne does not over: d e loss or dmge due to ny frudulent, dishonest or riminl t y n employee, diretor, trustee or ny other uthorised representtive of the Insured whether ting lone or in ollusion with others unless disovered within seven dys of heques or open postl orders in trnsit y unregistered post. loss from unttended vehiles. loss due to dishonoured heques, errors, omissions or unexplined shortge or resulting from sfe or strong room eing opened y key left on the premises out of usiness hours. loss resulting from the Insured voluntrily prting with title or possession if indued to do so y ny frudulent mens or pretene y ny person other thn n employee. III Delrtion Condition An urte reord shll e kept in the ooks of the Insured of ll the money insured (inluding the nmes of ll employees nd the mount of wges, slries or other ernings pid to them). The Insured shll t ll times llow the Compny to inspet suh ooks nd within one month from the expiry of the period of insurne shll supply the Compny with n urte sttement of ll the money insured in trnsit during the sid period. An urte reord shll lso e kept of ll money in the sfe(s) or strongroom(s) in some ple other thn the sid period. An urte reord shll lso e kept of ll money in the sfe(s) or strongroom(s) in some ple other thn the sid sfe(s) or strongrooms(s). IV Termintion s to ny Employee the ourrene. This insurne shll terminte s to ny employee. loss of sh, nk or urreny notes, open immeditely upon disovery y the Insured, ny prtner of the Insured or ny offier of the Insured (not in ollusion with suh employee), of ny frudulent or dishonest t on the prt of the employee, without prejudie to the loss of ny property then eing onveyed y the employee outside the Insured s premises, or y the Compny miling to the first nmed Insured written notie stting when, not less thn 45 dys therefter, suh termintion shll e effetive. Plese refer to the Generl Poliy Conditions tht re prt of this poliy nd re pplile to ll setions. 15

16 16 Setion VI Property of others / Hire hrges I II III Insuring Agreement The Compny grees to py to or on ehlf of the Insured ll sums whih the Insured shll eome leglly oligted to py s dmges euse of loss of, injury to, or destrution of property of others, inluding ut not limited to Hire Chrges, ourring during the term of overge (defined in Prgrph III) while suh property is in the re, ustody, or ontrol of the Insured nd is used or to e used in onnetion with n insured prodution. Limit of Liility nd Dedutile The Compny s limit of liility with respet to ny one ourrene shll not exeed the mount stted in the Delrtions in onnetion with ny delred prodution. The Compny s liility for loss shll only e to py the mount in exess of the dedutile stted in the Supplementl Coverges Delrtion for eh loss osts txed ginst the Insured in ny suh seprtely ourring. Term of Coverge The term of overge for this setion is indited in the Delrtions. IV Exlusions This overge does not pply liility for: Injury to or destrution of property used y or resulting from intentionl ts of the Insured, or t the diretion of the Insured. relese tthments for the mount not in Injury to or destrution of property resulting from the ownership, opertion or use of motor vehiles (personl or ommeril), irrft, wterrft, or rilrod rs or equipment, inluding physil dmge to ny of the foregoing: Injury to or destrution of property tht ould e overed under ny other setion suh s negtives or videotpes, props, insurne, whether prior or susequent hereto sets, or wrdroe, or ny misellneous equipment, this exlusion shll lso pply d to rhive mteril nd lirry footge. Dmge to or destrution of premises (inluding uildings), inluding loss of use thereof, rented to or lesed y the Insured for ny purpose other thn lotion filming in onnetion with V delred prodution; this exlusion pplies to premises nd/or property used s living qurters for the Insured s st nd rew. e Loss or dmge rising out of shortge of inventory, theft, unexplined loss, or mysterious dispperne. f g Loss of or injury to ny niml. Dmge to grdens or plnt life. Defenes, Supplementry Pyments With respet to suh insurne s is fforded y this overge, the Compny shll: i ii Defend ny suit ginst the Insured lleging suh dmges whih re pyle under the terms of this overge, even if ny of the llegtions of the suit re groundless, flse or frudulent. Py within the pplile limit of liility. All expenses inurred y the Compny, ll suit, nd ll interest on the entire mount of ny judgement therein whih rues fter entry of the judgement nd efore the Compny hs pid or tendered or deposited in ourt tht prt of the judgement whih does not exeed the limit of the Compny s liility thereon. Premiums on ppel onds required in suh suit, nd premiums on onds to exess of the pplile limit of liility of this overge, ut without ny oligtion to pply for or furnish ny suh onds nd iii All resonle expenses other thn loss of ernings, inurred y the Insured t the Compny s request. VI Other Insurne It is greed tht if there is speifi or other in dte nd y whomsoever effeted, diretly or indiretly overing or insuring the property overed herein, overge fforded hereunder shll e onsidered primry, ut not exeeding the limit of liility s outlined in Prgrph II, of this setion; unless, however there is other similr Property of Others Liility Insurne in existene, in whih se this poliy shll pro-rte with suh other insurne.

17 Exlusions Terrorism exlusion Communile disese exlusion Notwithstnding ny provision to the ontrry This insurne exludes ny loss diretly or indiretly within this insurne or ny endorsement thereto it is greed tht this insurne exludes loss, dmge, ost or expense of whtsoever nture diretly or indiretly used y, resulting from or in onnetion with ny t of terrorism or fer of terrorism (whether tul or pereived) regrdless of ny other use or event ontriuting onurrently or in ny other sequene to the loss. An At of Terrorism mens n unlwful t, inluding ut not limited to the use of fore or violene nd/or the thret thereof, of ny person nd in respet of (i) or (ii) ny fer or thret thereof or group(s) of persons, whether ting lone or on ehlf of or in onnetion with ny orgnistion(s) or government(s), ommitted for politil, religious, idelogil or similr purposes inluding the intention to influene ny government nd/or to put the puli, or ny setion of the puli, in fer. The poliy lso exludes loss, dmge, ost or expense of whtsoever nture diretly or indiretly used y, resulting from or in onnetion with ny tion tken in ontrolling, preventing, suppressing or in ny wy relting to ny t of terrorism or fer thereof. If the Compny llege tht y reson of this exlusion, ny loss, dmge, ost or expense is not overed y this insurne the urden of proving the ontrry shll e upon the Assured. In the event ny portion of this exlusion is found to e invlid or unenforele, the reminder shll remin in full fore nd effet. All other terms nd onditions remin unltered. rising out of, ontriuted to y, or resulting from ny ommunile disese whih leds to: i the imposition of qurntine or restrition in movement of people or nimls y ny ntionl or interntionl ody or geny; nd/or ii ny trvel dvisory or wrning eing issued y ntionl or interntionl ody or geny (whether tul or pereived). If the Underwriters llege tht y reson of this exlusion, ny loss is not overed y this insurne the urden of proving the ontrry shll e upon the Assured. 13/06/03 (ASUI) Foot nd Mouth Disese exlusion This Insurne does not over loss diretly or indiretly rising out of, ontriuted to y, or resulting from Foot nd Mouth Disese. All other terms nd onditions remin unltered. Biologil/ Chemil exlusion This insurne does not over loss diretly or indiretly rising out of, ontriuted to y, or resulting from tul, thretened, fered or pereived use of ny iologil, hemil, rdiotive or nuler gent, mteril, devie or wepon. All other terms nd onditions remin unltered. 17

18 18 Complints proedure Complints Zurih is ommitted to providing high level of servie to ll its ustomers. However, if you hve ny use for omplint you should in the first instne, ontt either your roker or us diretly. If the mtter is not resolved to your stisftion, plese ontt the Diretor of Underwriting nd Mnufturing. You n telephone Or write to: Diretor of Underwriting nd Mnufturing Zurih Glol Corporte UK Limited London Underwriting Centre 3 Minster Court Mining Lne London EC3R 7DD If you re still not stisfied, plese ontt the Mnging Diretor s Offie. You n telephone Or write to: Mnging Diretor Zurih Glol Corporte UK Limited London Underwriting Centre 3 Minster Court Mining Lne London EC3R 7DD A memer of the Mnging Diretor s Offie will respond to your omplint nd offer resolution wherever possile. Written omplints will e knowledged within one working dy of reeipt. If fter four weeks you hve hd no ontt, letter of explntion will e issued. If you re still not hppy with the wy we hve delt with your omplint you my e eligile to hve your se reviewed y the Finnil Omudsmn Servie. This is free nd imprtil servie ville only to some smll usinesses, with turnover of 1million (Euro 1.5 million*) or less. You n telephone: or emil: enquiries@finnil-omudsmn.org.uk Or write to: Finnil Omudsmn Servie South Quy Plz 183 Mrsh Wll London E14 9SR You re entitled to refer to the Finnil Omudsmn Servie t ny stge of your omplint. Your legl rights re unffeted. *At n exhnge rte of 1GBP = 1.5 EUR

19 19

20 PP119197A01 (1/06) DG Zurih Glol Corporte UK London Underwriting Centre, 3 Minster Court, Mining Lne, London EC3R 7DD, Englnd. Wesite: Zurih Glol Corporte UK is trding nme for the following ompnies: Zurih Glol Corporte UK Limited Registered in Englnd nd Wles No Registered Offie: The Zurih Building, 90 Fenhurh Street, London, EC3M 4JX. Zurih Insurne Compny* A limited ompny inorported in Switzerlnd. Registered in the nton of Zurih No. CH UK Brnh registered in Englnd nd Wles No. BR105. Registered Offie: Mythenqui 2, 8022 Zurih, Switzerlnd. Hed Offie in the UK: Zurih House, Stnhope Rod, Portsmouth, Hmpshire, PO1 1DU. Zurih Insurne Irelnd Limited** A limited ompny inorported in the Repuli of Irelnd, Registered No UK Brnh registered in Englnd nd Wles No. BR7985. Registered Offie: Egle Str House, Bllsridge Prk, Dulin 4. Hed Offie in the UK: The Zurih Building, 90 Fenhurh Street, London EC3M 4JX. Zurih Interntionl UK) Limited* Registered in Englnd nd Wles No Registered Offie: Zurih House, Stnhope Rod, Portsmouth, Hmpshire, PO1 1DU. * Authorised nd regulted y the Finnil Servies Authority. **Authorised nd regulted y the Irish Finnil Servies Regultory Authority nd regulted y the Finnil Servies Authority for the ondut of UK usiness.