Page 6 - Hollard Business Branch Policy Wording

General Excep ons, Condi ons and Provisions
For the purpose of this General Excep on 1.3 an act of terrorism includes, without limita on, the use of violence or force or the threat thereof whether as an act harmful to human life or not, by any person or group of persons, whether ac ng alone or on behalf of or in connec on with any organisa on or government or any other person or body of persons, commi ed for poli cal, religious, personal, ethnic or ideological reasons or purposes, including any act commi ed with the inten on to in uence any government or for the purpose of inspiring fear in the public or any sec on thereof.
If the Company alleges that, by reason of Clause 1.3 of this Excep on, loss or damage is not covered by this Policy, the burden of proving the contrary shall rest on the Insured.
2. Nuclear risks
Except as regards the Sec ons:
A. Fidelity;
B. Stated Bene ts; and
C. Group Personal Accident;
this Policy does not cover any legal liability, loss, damage, cost or expense whatsoever or any consequen al loss directly or indirectly caused by or contributed to by or arising from:
2.1 ionizing radia ons or contamina on by radioac vity from any nuclear fuel or from any nuclear waste from the combus on or use of nuclear fuel;
2.2 nuclear material, nuclear ssion or fusion, nuclear radia on;
2.3 nuclear explosives or any nuclear weapon;
2.4 nuclear waste in whatever form;
regardless of any other cause or event contribu ng concurrently or in any other sequence to the loss. For the purpose of this Excep on only, combus on shall include any self-sustaining process of nuclear ssion.
3. Asbestos exclusion (applicable to the Combined Liability and Employers Liability Sec ons and Sub-Sec on D Liability of the Buildings Combined Sec on)
Notwithstanding any provision of this Policy including any Exclusion, Excep on or Extension or other provision which would otherwise override a General Excep on, this Policy does not cover any:
3.1 legal liability;
3.2 loss;
3.3 damage;
3.4 cost or expense whatsoever; or
3.5 any consequen al loss;
directly or indirectly caused by, arising out of, resul ng from, in consequence of, in any way involving, or to the extent contributed to by, the hazardous nature of asbestos in whatever form or quan ty.
4. Computer losses
Special Extensions to General Excep on 4 applicable to all Sec ons of this Policy insuring damage to property or the consequences of damage to property or any liability.
Notwithstanding any provision of this Policy including any Exclusion, Excep on or Extension or other provision not included herein which would otherwise override a General Excep on, this Policy does not cover:
4.1 loss or destruc on of or damage to any property whatsoever (including a computer) or any loss or expense whatsoever resul ng or arising therefrom;
4.2 any legal liability of whatsoever nature;
4.3 any consequen al loss;
Hollard Business Policy – Branch – Version 1 2018 Page | 5