Page 35 - Agriculture Policy Wording Binder

Fire
Hammermills
In respect of the insurance by this Section it is a condition precedent to liability of the Company that no process of milling is carried out within any insured building or structure or within an area of at least 5 (five) meters from such building or structure unless specifically stated to the contrary in this Section of the Policy.
Labourers/contractors/employees clause
If a labourer, contractor or employee does something or omits to do something without the knowledge of the insured, which is in contradiction of the conditions of this section, cover will not be invalidated. The insured must advise the insurer of the act or omission as soon as he or she becomes aware of it.
Landscaping
The Company will pay up to R10 000 (ten thousand rand) towards costs reasonably and necessarily incurred by the Insured for the replacement of trees, shrubs, lawns, plants and fixed sprinkler installations situated at the grounds of the insured buildings stated in the Schedule;
PROVIDED THAT:
such loss or damage is caused by:
1. fire, explosion or as a result of firefighting operations;
2. any other emergency service operations;
3. impact by vehicles or aircraft or other aerial devices, any deliberate or malicious acts;
4. but excluding theft or attempted theft.
Mortgagee
The interest of any mortgagee in the insurance under this Section shall not be prejudiced by any act or omission on the part of the mortgagor without the mortgagee's knowledge. The mortgagee shall, however, inform the Company as soon as any such act or omission comes to his knowledge and shall be responsible for any additional premium payable from the date any increased hazard shall, in terms of this clause, be assumed by the Company.
Motors and pumping equipment
The Company will pay, replace or repair for loss of or damage to fixed filtration plant, water-pumping machinery, electronic gate motors or garage door machinery by an insured peril;
PROVIDED THAT:
1. the Company shall not be liable to pay more than R10 000 (ten thousand rand) per event or R50 000 (fifty thousand rand) during any one insurance period;
2. the Insured shall be responsible for the first 10% (ten percent) of the claim with a minimum of R500 (five hundred rand) for each claim;
3. the Company shall not be liable to compensate for:
3.1 automatic pool cleaners;
3.2 loss or damage as a result of wear and tear;
3.3 wear and tear;
3.4 gradual deterioration;
3.5 inherent vice and latent defects;
3.6 any loss or damage recoverable under warranty.
Municipal plans scrutiny fee
The insurance under column 1 of the Schedule includes municipal plans scrutiny fee;
PROVIDED THAT:
the total amount recoverable under any item shall not exceed the sum insured on the building affected.
Policy Wording – Agriculture – Binder – Version 2 2023
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