Page 21 - Agriculture Policy Wording Binder

General Exceptions, Conditions and Provisions
8. Security firms
If an employee of a security firm employed by the Insured under a contract causes loss or damage, the Company agrees, if in terms of the said contract the Insured may not claim against the said security firm, not to exercise their rights of recourse against the said security firm. The Company shall not raise as a defence to any valid claim submitted under any Section or Sub-Section of this Policy that the Company's rights have been prejudiced by the terms of any contract entered into between the Insured and any security provider relating to the protection of the insured property.
9. Security guard
This Provision shall apply individually to the following Sections of this Policy:
A. Fire;
B. Buildings Combined;
C. Office Contents;
D. Theft;
E. Glass;
F. Goods in Transit;
G. Business All Risks;
H. Electronic Equipment.
I. Houseowners
J. Householders
The Company will compensate the Insured for the employment of guards necessary to protect the insured property following the occurrence of a defined event, but not exceeding R10 000 (ten thousand rand) per event.
10. Malicious damage
This Provision shall apply to the following Sections of this Policy:
A. Fire excluding Paddock and boundary fencing, animals, game and/or ostriches, stacks and grapevines in the open;
B. Buildings Combined;
C. Office Contents.
D. Houseowners
E. Householders
The Company shall pay for loss or damage directly occasioned by or through or in consequence of the deliberate or willful or wanton act of any person committed with the intention of causing such loss or damage to the property insured and stated in the Schedule;
PROVIDED THAT:
this Provision does not cover:
1. damage related to or caused by fire or explosion;
2. loss of or damage to property for which indemnity is available in terms of the Theft Section of the Policy;
3. consequential loss or damage or indirect loss or damage of any kind or description whatsoever, other than loss of rent if specifically insured;
4. damage resulting from total or partial cessation of work or the retarding or interruption or cessation of any process or operation;
5. damage occasioned by permanent or temporary dispossession resulting from confiscation, commandeering or requisition by any lawfully constituted authority;
6. damage related to or caused by any occurrence referred to in General Exception 1.1.1, 1.1.2, 1.1.3, 1.1.4, 1.1.5 or 1.1.6 of this Policy or the act of any lawfully established authority in controlling, preventing, suppressing or in any other way dealing with any such occurrence.
If the Company can demonstrate that, by reason of Provisions 1, 2, 3, 4, 5 or 6 noted above, loss or damage is not covered by this Provision, the burden of proving the contrary shall rest on the Insured.
Policy Wording – Agriculture – Binder – Version 2 2023 Page | 19