Page 87 - Bay Union - Platinum Policy Wording
P. 87

Sec on 4 – Fine arts
○ Property occupied by tenants
We will not be liable for any loss or damage resul ng from malicious damage and loss or damage as result of the 
or a empted the  is subject to evidence of violent and forced entry.
○ We do not pay for:
– inherent defect, wear and tear, gradual deteriora on, rust or oxidiza on, insects, vermin or warping
– altera on, misuse, electrical or mechanical breakdown
– any process of hea ng, drying, cleaning, washing, dyeing, altera on, repair, restora on, maintenance, dismantling, decora on
– breakage or the  or a empted the  while the premises is lent or rented unless entry to or exit from the premises is made using violence or force
– your own wilful act or that of any of your employees
– loss or damage resul ng directly or indirectly from or in connec on with any actual or purported exchange,
cash or credit sale agreement
– the  rst part of each claim which falls within the Excess as stated in the schedule.
Bay Union – Pla num Policy Wording – 24 October 2016 85

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