Page 35 - Sectional Title Policy Wording

Office Contents
8.2 the Company shall not be liable to pay more than 25% (twenty five percent) of the sum insured.
Additional cover may be purchased in which case the limit stated in the Schedule will be over and above the automatic cover provided;
8.3 the Insured shall be responsible for the first 10% (ten percent) of the claim with a minimum of R500 (five hundred rand) for each and every claim, or the amount stated in the Schedule.
DEFINITION OF CONTENTS
1. Contents shall mean:
1.1 all contents contained in the office and/or consulting room situated as described in the Schedule but excluding documents as defined in Sub-Section C;
1.2 landlord's fixtures and fittings, the property of the Insured or for which they are legally responsible;
1.3 property owned by any partner or director or employee of the Insured up to R10 000 (ten thousand rand) in the case of any one person or R20 000 (twenty thousand rand) in the aggregate any one event;
1.4 the Company shall not be liable to pay for:
1.4.1 electronic data and processing equipment of any description;
1.4.2 computers and all related hardware and peripherals;
1.4.3 information or data stored in or on any of the equipment defined in 1.4.1 and 1.4.2 or more specifically insurable under the Electronic Equipment Section of the Policy;
1.4.4 copier machines and scanners forming part of a data system or network.
2. Loss of or damage to the whole or part of the property insured under Sub-Section C and the consequences thereof insured under Sub-Section D.
3. Loss and/or expenditure described in Sub-Sections B and E.
LIMITATIONS
The Company's liability under this Sub-Section is restricted in respect of documents, manuscripts, business books, plans, designs, patterns, models and moulds to the value of materials and sums expended in labour.
SPECIFIC EXCEPTION
This Sub-Section does not cover:
1. property outside the Republic of South Africa, Namibia, Botswana, Lesotho, Eswatini (formerly Swaziland), Zambia, Zimbabwe, Malawi and Mozambique;
2. designs, patterns, models or moulds (except to the extent that the said articles are insured in terms of Sub- Section A), stock in trade, samples, motor vehicles and motor vehicle accessories, money, securities, stamps, jewellery or precious stones;
3. consequential loss.
SUB-SECTION B – RENT DEFINED EVENTS
Loss of rent actually incurred by You in consequence of the office premises or portion thereof being so damaged by any of the perils specified in sub-section A as to be rendered uninhabitable, but only in respect of the period necessary for reinstatement. The indemnity under this sub-section will not exceed 30% of the sum insured or value (whichever is the lower) of all contents of the office premises affected.
For the purpose of this sub-section, the term "office premises" will be deemed to extend to any premises or portion thereof in the vicinity of the office premises, damage to which prevents or limits access to the office premises.
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