Page 43 - Hollard Business Branch Policy Wording

1. SUB-SECTION A – CONTENTS DEFINED EVENTS
8.1 8.2 8.3
the was accompanied by visible signs of forcible and violent entry to or exit from the premises or any a empt thereat or as a result of the (or any a empt thereat) following violence or threat of violence;
the Company shall not be liable to pay more than 25% (twenty ve percent) of the sum insured or the amount stated in the Schedule;
the Insured shall be liable for the rst 10% (ten percent) of the claim with a minimum of R500 ( ve hundred Rand) for each and every claim, or the amount stated in the Schedule.
OFFICE CONTENTS
Loss of or damage to the whole or part of the contents (as de ned in De ni on of contents) described in the Schedule, owned by the Insured or for which they are legally responsible, including altera ons by the Insured as tenants to the building and structures, by:
1. re;
2. lightning and thunderbolt;
3. subterranean re;
4. explosion;
5. earthquake (whether arising from mining opera ons or otherwise), volcanic erup on or other convulsion, but excluding loss of or damage to property in the underground workings of any mine;
6. special perils:
6.1 storm, wind, water, hail or snow but excluding damage to property:
6.1.1 arising from its undergoing any process necessarily involving the use or applica on of water;
6.1.2 caused by dal wave origina ng from earthquake;
6.1.3 in the underground workings of any mine;
6.1.4 in the open (other than buildings, structures and plant designed to exist or operate in the open) unless speci cally insured as a separate item in the Schedule;
6.1.5 in any structure not completely roofed unless speci cally insured as a separate item in the Schedule;
6.2 aircra and other aerial devices or ar cles dropped therefrom;
6.3 impact by animals, trees, aerials, satellite dishes or vehicles excluding damage to such animals, trees, aerials, satellite dishes or vehicles or property in or on such vehicles;
PROVIDED THAT:
this De ned Event (special perils) does not cover:
6.3.1 wear and tear or gradual deteriora on;
6.3.2 damage caused or aggravated by:
6.3.2.1 leakage or discharge from any sprinkler or drencher system in the buildings insured hereby exceeding R10 000 (ten thousand Rand) unless otherwise stated in the Schedule;
6.3.2.2 subsidence or landslip;
6.3.2.3 the Insured's failure to take all reasonable precau ons for the maintenance and safety of the property insured and for the minimiza on of any damage;
6.3.2.4 mildew, damp, rise in the underground water table, rising damp, rust, corrosion or rot;
7. accidental damage to sanitary-ware and xed glass up to R50 000 ( y thousand Rand) for each and every incident of such damage and the Insured shall be responsible to pay the rst R1 000 (one thousand Rand);
8. the ;
PROVIDED THAT:
O ce Contents
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Hollard Business Policy – Branch – Version 1 2018