Page 59 - Agriculture Policy Wording Binder

Office Contents
SPECIFIC EXCEPTION
This Sub-Section does not cover liability assumed by the Insured under any contract, undertaking or agreement where such liability would not have attached to the Insured in the absence of such contract, undertaking or agreement.
MEMORANDUM
In respect of Sub-Section D only, General Exception 1 is deleted and replaced by the following:
"This Sub-Section does not cover loss, damage, liability or expenditure 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".
SUB-SECTION E – INCREASE IN COST OF WORKING DEFINED EVENTS
Any additional expenditure not otherwise provided for in this Section reasonably incurred by the Insured for the purposes of maintaining the normal operation of the business in consequence of loss or damage in respect of which payment, reinstatement or repair has been made or liability therefore admitted by the Company under Sub-Section A or C.
The Company will not be liable to pay more than 25% (twenty five percent) of the sum insured in terms of Sub-Section A.
SPECIFIC CONDITION 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 open for normal business unless any principal, partner, director 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.
Burglar bars and security gates
It is a condition precedent to acceptance of liability in terms of this section, that all external doors are fitted with security gates, and the opening portion of any external window must be protected by means of burglar bars unless specifically stated otherwise in the Schedule.
Protections
The Insured shall continue to use and maintain in efficient condition all protections represented, agreed or implied as being in use at the premises to prevent, hinder or detect entry or exit by thieves.
To the extent that any of these protections are defective at the time of any loss the Company shall not be liable under this Section unless the Insured shall prove that such defects:
Policy Wording – Agriculture – Binder – Version 2 2023 Page | 57