LIPUTAN

Polisi ini memberi pampasan kepada sebarang kerugian akibat kebakaran termasuk kerosakan oleh sebarang peril tambahan yang dinyatakan dalam polisi kerosakan material berkenaan dengan:-

Kehilangan untung kasar berikutan pengurangan dalam pusing ganti

Kenaikan kos kerja

SAMBUNGAN

Bergantung pada keperluan insured dan tertakluk kepada perjanjian insurer dan pembayaran premium tambahan, polisi asas boleh diperluaskan untuk melindungi peril khas berikut:-

Premis pembekal yang ditentukan/tidak ditentukan.

Pencegahan sambungan akses.

Sambungan utiliti awam (elektrik, gas dan air).

Premis pelanggan yang ditentukan.

Penyakit berjangkit atau berjangkit, pembunuhan, bunuh diri, perosak, keracunan makanan atau minuman atau susunan kebersihan yang rosak

PENGECUALIAN

Memandangkan polisi gangguan perniagaan disertakan bersama insurans kerosakan material, pengecualian akan serupa dengan polisi kerosakan material. 

Business Interruption PDS Chubb

Premier Fire and Con-Loss_PDS Liberty

3.1.1 Specified Suppliers’ Extension A consequential loss policy may be extended to cover loss arising from damage to specified suppliers' premises located in Malaysia, Singapore and Brunei only. For suppliers located outside these areas, please refer to the Rating Committee. The profits rate for one specified supplier is calculated by applying the percentage limit to the appropriate rate for Standard and Special Perils. When the extension relates to more than one specified supplier the rating is cumulative and the following method should be adopted : 

(i) Each supplier is rated individually under the base rate and then listed in descending order of rates. 

(ii) The profits rate charged is : 100% of the highest rate brought out by the calculation in (i) Plus 50% of the second highest rate plus 25% of the third highest rate plus 10% of each of the remaining individual rates An example (together with a worksheet) to calculate the Consequential Loss insurance premium is attached in Appendix II 

3.1.2 Unspecified Suppliers’ Extension A consequential loss policy may be extended to cover loss arising from damage to unspecified suppliers' premises, provided that :- 

i. the suppliers are limited to those located in Malaysia, Singapore and Brunei only. ii. the limit is less than the lowest limit for specified supplier if any, and shall in no case exceed 10%. 

Extract from Section 3 RFT

3.1.3 Specified Customers’ Extension A consequential loss policy may be extended to cover loss arising from damage to specified customers' premises located in Malaysia, Singapore and Brunei only. For customers located outside these areas, please refer to the Rating Committee. The specified customer extension shall be rated in the same way as the specified supplier extension. It is not permissible to provide cover for loss arising from damage at unspecified customers' premises. 

Extract from Section 3 RFT(revised fire tariff)

3.1.4 Prevention of Access Extension A consequential loss policy may be extended to provide cover for loss resulting from damage elsewhere than at the Insured's premises which shall prevent or hinder the use of, or access to, the Insured's premises notwithstanding that the Insured's premises or property therein be not damaged. 

Extract from Section 3 RFT

3.1.5 Public Utilities Extension A consequential loss policy may be extended to provide cover for loss resulting from failure of public supply of electricity/water/gas arising from damage by an insured peril at the terminal point of the supply undertaking feed to the Insured's premises. The consequential loss policy may be extended to provide cover for loss resulting from failure of public supply of telecommunication services at the incoming line terminals or receivers at the premises. However, any request for this extension must be directed to the Rating Committee for rating on a case-to-case basis. 

Extract from Section 3 RFT

Covid 19 risk update for UK insurers | RPC