Page 76 - Agriculture Policy Wording Binder

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:
1. could not reasonably have been detected by the Insured or were detected but could not reasonably have been rectified before the loss occurred and that adequate alternative protection had been instituted and the Company notified as soon as possible;
2. did not in any way contribute to the ability of the thieves to enter, remain in or escape from the premises or any section thereof or reduce the possibility of them being discovered.
LIMITATIONS
The Company's liability under this 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 EXCEPTIONS
The Company shall not be liable for:
1. loss or damage which can be insured under a fire policy except in the case of explosion caused in an attempt to effect entry;
2. loss or damage insurable under a glass insurance policy;
3. property more specifically insured or, unless specified in the Schedule, cash, bank and currency notes, cheques, credit card vouchers, postal orders, money orders, current negotiable stamps and documents or certificates of a negotiable nature;
4. loss or damage in which any principal, partner, director or any member of the Insured's household or family or any of the Insured's employees is concerned as principal or accessory.
5. loss or damage during or consequent upon fire or explosion
6. consequential loss or damage of any nature whatsoever.
OPTIONAL CLAUSES AND EXTENSIONS (if stated in the Schedule to be included) Additional damage to buildings and/or wine tanks
Damage to the buildings including landlord's fixtures and fittings and wine tanks whether inside the buildings or attached to the outside of the buildings at the insured premises in the course of theft or any attempt thereat;
PROVIDED THAT:
the Company will not be liable to pay more than the amount stated in the Schedule per event.
Guesthouses (accommodation and lodging)
In consideration of the payment of an additional premium it is hereby declared and agreed that the wording relating to “Defined Events” in terms of this Section is amended to read as follows:
“The Company shall indemnify the Insured in respect of loss of or damage to all contents, (the property of the Insured or for which he/she is responsible) of any building at the insured premises described in the Schedule as a result of theft (or any attempt thereat);
PROVIDED THAT:
where contents of any off-sales or bar stocks are insured, theft of the contents of such off-sales or bar stocks must be accompanied by visible, forcible and violent entry into or exit from such building(s), except for theft (or any attempt thereat) following violence or threat of violence”.
Losses in the open at the insured premises (Excluding wine and related products)
Loss of or damage to property (the property of the Insured or for which they are responsible) as specified in the Schedule whilst in the open at the insured premises described in the Schedule as a result of theft;
Theft
Page | 74 Policy Wording – Agriculture – Binder – Version 2 2023