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ThisPolicycomprisesmainlytheSchedule,ScopeofCover,Exclusions,TreatmentofClaim,Insured'sObligations,GeneralConditionsandSpecialProvisions,includingalsotheProposalofInsurancetogetherwithitsattachmentsaswellasanyadditionstobemade,fromtimetotime,bytheCompanyintheformofEndorsement.
CLAUSES
SCOPEOFCOVER
TheCompanywillindemnifytheInsuredinthemannerandwithinthelimitofliabilityspecifiedintheScheduleagainstsuchsumsastheInsuredshallbecomelegallyliabletopayinrespectofclaimsmadeagainsttheInsuredarisingfrombodilyinjurytoorillnessordeathoforlossofordamagetopropertyofoneormorepersonsusing,consumingorhandingtheinsuredproductsorgoods,orofanyotherpersonsconsequentuponanoccurrencetakingplaceintheterritoryofcoveragewithintheperiodofinsurancecausedbyproductsorgoodsmanufacturedorsoldbytheInsuredstatedintheSchedule.
InrespectofanyclaimcoveredunderthisPolicy,theCompanyshallinadditionindemnifytheInsuredagainsttherelevantlegalcostspayablebytheInsuredandotherexpensesincurredintheabovementionedoccurrencewiththepriorwrittenconsentoftheCompany,butthetotalliabilityoftheCompanyforthesumsofcompensationandthelegalcostsandexpensesshallinnowayexceedthelimitofindemnitystatedintheSchedule.
EXCLUSIONS
TheCompanyshallnotbeliablefor:
liabilityassumedinaccordancewithanyagreementbetweentheInsuredandotherparties,unlesssuchliabilitywouldhavebeenattachedtotheInsurednotwithstandingsuchagreement;
liabilityassumedbytheInsuredunderanyLabourLaworWorkmen'sCompensationStatute;
liabilityoftheInsuredtoemployeeswhichisbasedontherelationshipofMasterandServant;
lossofordamagetotheinsuredproducts;
costsarisingoutofreplacementorrecalloftheinsuredproducts;
lossofordamagetopropertybelongingtoorheldincare,custodyorcontroloftheInsured;
bodilyinjury,illnessordeathordamagetopropertysustainedbyanypersoncausedbyproductsorgoodsmanufacturedorsoldbytheInsuredinwillfulviolationofanylaw;
liabilityarisingoutofpollutionofanykindordescriptionwhatsoeversuchasatmosphere,landandwatercausedbytheinsuredproducts;
liabilityforlossofordamagetotheaircraftsorshipscausedbytheinsuredproducts;
liabilityforanyconsequencearisingdirectlyorindirectlyfromwar,warlikeoperation,hostilities,armedconflicts,terrorism,conspiracyinsurrection,coupd'etat;
liabilityforanyconsequencearisingdirectlyorindirectlyfromstrike,riot,civilcommotionormaliciousacts;
liabilityarisingdirectlyorindirectlyfromnuclearfission,nuclearfusion,nuclear
weapon,nuclearmaterial,nuclearradiationandradioactivecontamination;
fines,penalties,punitiveorexemplaryindemnities;
ThedeductiblesstatedintheScheduleorstipulatedinthePolicytobebornebytheInsured.
TREATMENTOFCLAIM
IntheeventofanyclaimrecoverableunderthisPolicy:
noadmission,rejection,offer,promise,paymentorindemnityshallbemadeorgivenbyoronbehalfoftheInsuredorhisrepresentativewithoutthewrittenconsentoftheCompany.AndtheCompanyshallbeentitled,ifitsodesires,totakeoverandconductinthenameoftheInsuredthedefenseorsettlementofanyclaim;
theCompanyshallbeentitled,atitsownexpenseandforitsownbenefit,tolodgeinthenameoftheInsuredanyclaimforindemnityagainstanypersons.WithoutthewrittenconsentoftheCompany,theInsuredshallnotacceptthepaymentorarrangementofindemnityinrespectofthelossordamageofferedbyanypartyheldresponsibleforsuchlossordamageandshallnotabandontherightofrecoveryfromsuchparty,otherwise,theInsuredshallbeliableforanyconsequencearisingtherefrom;
theCompanyshallhavefulldiscretiontheconductanyproceedingsorsettleanyclaim,andtheInsuredshallgiveallsuchinformationandassistanceastheCompanymayrequire.
Bodilyinjurytoorillnessordeathofordamagetopropertyofmorethanonepersonarisingfromsamelotofproductsorgoodsmanufactured,soldduetothesamecauseshallbeconsideredasresultingfromoneoccurrence.
Thetimeofvalidityofaclaimunderthisinsuranceshallnotexceedaperiodoftwoyearscountingfromthedateofloss.
INSURED'SOBLIGATIONS
ThefollowingObligationsshallbestrictlyfulfilledbytheInsuredandhisrepresentative:
TheInsuredandhisrepresentative,whenapplyingforinsuranceshallmaketrueanswersordescriptionstothequestionsintheProposalandQuestionaireortoanyotherquestionsraisedbytheCompany.
TheInsuredandhisrepresentativeshallpaytotheCompanyinduecoursetheagreedpremiuminthemannerasprovidedintheScheduleandEndorsements.
Uponexpirationofthisinsurance,theInsuredshallfurnishinwritingwithastatementofactualgrossreceiptsbyproductsorgoodsmanufactured,soldbytheInsuredduringthecurrencyofthisinsuranceasbasisforcalculatingtheactualpremium.Intheeventtheactualpremiumismorethanthedepositpremium,theInsuredshallpaythedifferencetotheCompany,ifless,theCompanywillrefundthedifferencetotheInsured.Butinnocasetheactualpremiumshallbelessthantheminimumpremiumasrequired.
TheCompanyshallhavetherighttorequireoftheInsuredatanytimewithintheinsuranceperiodastatementoftheentireamountofthetotalsalesofproductsorgoodsmanufactured,soldbytheInsuredduringanyspecifiedpartofthesaidperiod.
TheCompanyshallalsohavetherighttoauthorizetheirrepresentativetoexaminethebooksandrecordsoftheInsuredandtoverifytheaboverelevantfigures.
IntheeventofanyoccurrencewhichgivesormightgiverisetoaclaimunderthisPolicy,theInsuredorhisrepresentativeshall:
notifytheCompanyimmediatelyand,withinseven(7)daysoranyfurtherperiodasmaybeagreedbytheCompanyinwriting,furnishawrittenreporttoindicatethecourse,probablereasonandextentoflossordamage;
immediatelygivenoticetotheCompanyinwritingwheneverhavingknowledgeofanyimpendingprosecutioninconnectionwithanyaccidentforwhichtheremaybeliabilityunderthisPolicy,andforwardtotheCompanyeveryletterwrit,summonsorprocessorothercourtdocumentsonreceiptthereof;
furnishallsuchinformationanddocumentaryevidenceastheCompanymayrequireforsupportingtheclaim.
Ifdiscoveryofadefectinanyproductsorgoodsinsuredshallindicateorsuggestthatsimilardefectexistsinotherproductsorgoodsinsured,theInsuredshall,athisownexpenses,investigateandrectifyforthwiththedefectinsuchotherproductsorgoods.Otherwise,alllossordamagearisingoutofthesaiddefectshallbebornebytheInsured.
GENERALCONDITIONS
1.PolicyEffect
ThedueobservanceandfulfillmentofthetermsandconditionsofthisPolicyinsofarastheyrelatetoanythingtobedoneorcompliedwithbytheInsuredshallbeaconditionprecedenttoanyliabilityoftheCompanyunderthisPolicy.
Policyvoidance
ThisPolicyshallbevoidableintheeventofmisrepresentation,misdescriptionornon-disclosuremadebytheInsuredorhisrepresentativeinanymaterialparticularinrespectofthisinsurance.
RiskChange
3.1IntheeventtheInsuredmanufactures,and/orsellsanewproductorproductsorthereisanymaterialchangeonchemicalcompositionofanyproductorproductsinsuredhereunderduringtheperiodofinsurance,theInsuredshallgivetheCompanyanoticeinwritingwithinten(10)daysfromthedateofmanufactureandsalethereoftotheCompany,andasuitableadditionalpremiumshallbepaidattherequestoftheCompany,otherwisethisinsuranceshallnotextendtocoversuchproductorproducts.
UnlessitscontinuancebeadmittedbytheCompanyinwriting,thisPolicyshallbeautomaticallyterminatedif:
3.2.1theinsurableinterestoftheInsuredislost;
theriskoflossordamageisincreased.
AfterterminationofthePolicy,thepremiumshallberefundedtotheInsuredcalculatedonproratadailybasisfortheperiodfromthedateofterminationtothedateofexpiry.
PolicyCancellation
ThisPolicymaybecanceledatanytimeattherequestoftheInsuredinwritingorattheoptionoftheCompanybygivingafifteen(15)dayspriornoticetotheInsured.IntheformercasetheCompanyshallretainapremiumcalculatedonshorttermratebasisforthetimethePolicyhasbeeninforcewhileinthelattercasesuchpremiumshallbecalculatedonproratadailybasis.
ForfeitofBenefit
Iftheclaimisinanyrespectfraudulent,orifanyfraudulentmeansordevicesareusedbytheInsuredorhisrepresentativetoobtainanybenefitunderthisPolicyorifanylossordamageisoccasionedbytheintentionalactorintheconnivanceoftheInsuredorhisrepresentative,theninanyofthesecases,alltherightsandbenefitsoftheInsuredunderthisPolicyshallbeforfeited,andallconsequentlossesarisingtherefromincludingtheamountofclaimpaidbytheCompanyshallbeindemnifiedbytheInsured.
ReasonableInspection
TherepresentativeoftheCompanyshallatanysuitabletimebeentitledtoattendthesiteandinspectorexaminetheriskexposureofbuildings,machinery,equipments,workingprocessandproductsorgoodsoftheInsured.Forthispurpose,theInsuredshallprovidefullassistanceandalldetailsandinformationrequiredbytheCompanyasmaybenecessaryfortheassessmentoftherisk.TheabovementionedinspectionorexaminationshallinnocircumstancesbeheldasanyadmissiontotheInsuredbytheCompany.
IntheeventofanydefectordangerbeingapparenttotheCompany'sinspector,theCompanymaygivenoticeinwritingtotheInsuredandthereuponallliabilityoftheCompanyinrespectthereoforarisingtherefromshallbesuspendeduntilthesamebecuredorremovedtothesatisfactionoftheCompany.
DoubleInsurance
Shouldanyloss,damage,expensesorliabilityrecoverableunderthePolicybealsocoveredbyanyotherinsurance,theCompanyshallonlybeliabletopayorcontributehisproportionoftheclaimirrespectiveastowhethertheotherinsuranceisarrangedbytheInsuredorothersonhisbehalf,orwhetheranyindemnificationisobtainableundersuchotherinsurance.
Subrogation
WhereathirdpartyshallbeheldresponsibleforthelossordamagecoveredunderthisPolicy,theInsuredshall,whetherbeingindemnifiedbytheCompanyornot,takeallnecessarymeasurestoenforceorreservetherightofrecoveryagainstsuchthirdparty,anduponbeingindemnifiedbytheCompany,subrogatetotheCompanyalltherightofrecovery,tr
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