Page 272 - Agriculture Policy Wording Binder

7. liability in respect of death, bodily injury, illness, loss or damage caused by or in connection with or arising from:
7.1 any profession or business of the Insured;
7.2 deliberate or malicious acts;
7.3 explosives;
8. claims for compensation and legal costs and expenses in respect of death, injury or illness attributable to a gradual working cause which did not occur from a sudden and identifiable accident or occurrence
9. costs and expenses incurred subsequent to the date on which the Company has paid or offered to pay either the full amount of the claim or the total amount recoverable in respect of any occurrence.
MEMORANDA
1. Where more than one Insured is named in the Schedule the Company will indemnify each Insured separately and not jointly and any liability arising between such Insured shall be treated as though separate policies had been issued to each;
PROVIDED THAT:
the aggregate liability of the Company shall not exceed the limit of indemnity stated in the Schedule;
2. Provided that the aggregate liability of the Company is not increased beyond the limit of indemnity stated, the Company will also indemnify as though a separate policy had been issued;
3. In respect of this Sub-Section only, General Exception 1 is deleted and replaced by the following: “This Sub- Section does not cover injury, damage or liability directly or indirectly caused by, related to or in consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, mutiny, insurrection, rebellion, revolution, military or usurped power”;
4. If, at the time of any event giving rise to a claim under this Sub-Section, indemnity is also provided under any other insurance, this Sub-Section shall not be drawn into contribution with such other insurance except in respect of any excess over and above the amount payable by such other insurance;
5. Notwithstanding Specific Exception 3, the Company will indemnify the Insured if a garden services firm is engaged under contract in the maintenance of the garden at the premises stated in the Schedule and is legally liable for the acts or omissions of the employees of the garden services in the course of their employment at these premises.
SPECIFIC CONDITIONS Burglar alarm warranty
It is a condition precedent to the liability of the Company that if a burglar alarm is installed at the insured premises,the following conditions apply:
1. the burglar alarm installed in the premises shall be fully activated whenever the premises is/are not used for domestic purposes unless any member of the household or employee is in the premises;
2. the insurance shall not cover loss of or damage to property following the use of keys, the keypad code or remote control of the burglar alarm or any duplicate thereof belonging to the Insured unless such keys, keypad code or remote control were obtained by theft.
Unless specifically stated to the contrary, all premises shall be protected by such alarm and it is further warranted that:
1. the contract for any burglar alarm services shall include services of a 24-hour armed response unit;
2. the control panel shall have an event log and the arming and disarming of the alarm shall be logged and after the occurrence of a claim the Company will be entitled to request full information of the relevant log;
3. such alarm will be maintained in proper working order but the Insured shall be deemed to have discharged their liability if they have maintained their obligations under a maintenance contract with the installation/service company of the alarm system;
PROVIDED THAT:
cover will continue to be applicable whilst the alarm system is not operative due to a failure of the public supply of electricity at the terminal ends of the supply authority's service feeders and that such failure is not due to any act or omission of the Insured.
Householders
Page | 270 Policy Wording – Agriculture – Binder – Version 2 2023