Professional Documents
Culture Documents
A
ABI Extension Wordings
44
Accumulated Stocks Clause
152-153, 311
Notes153
Additional and Related Clauses
148
Additional Increase in Cost of Working
163, 175, 184-185
LMA5082185
Adjusters Report on Claims
13
Adjustments Clause
135, 141, 227
Trends Clause
141
Other Circumstances Clause
141
fragments of evidence
70, 144
Advance Loss of Profits
219
Advance ProfitsSpecification
328
Advertising181-182
Advisers Liability
107
material circumstances
109, 111, 201
Allocation Agreements for Subrogation Recoveries
252
Allocation of Recoveries from Third Parties
250
top down
250-251
Alternative Methods
235
Alternative Premises
179
Alternative Trading Clause
154, 156, 298, 301, 304, 306, 330, 334
wholesaling kitchenware
159
Auditors Remuneration
122
B
Bad Debts
118
Bank Charges
125
Beneficiary246
Book Debts Specification
323
Definitions
272, 297, 300, 303, 305, 323, 327, 328
Premium
128, 324
Professional Fees
324
Budgets and Forecasts
102, 222
Building or other property
39
Burden of Proof
61, 67
Insured Peril
67
prima facie
67
Inherent vice
67
Quantum or Measure of Loss
69
Business Clause
151-152, 311
340
Index
Claims Conditions
258, 268, 276
Action by the Insured
161, 258, 268, 276
Fraud
259, 269, 277
Contribution
237, 259
Subrogation
237, 241, 246, 259
Arbitration
259, 269, 277
Clause (a)
135
Clawback146
Commission and Overtime
122
Competition Law Compliance
255, 261, 271, 282, 296, 313
Insurer agrees
255, 261, 271
Renewal premium
255, 261, 271
Composite Insurance
247
Subcontractors247
co-assureds247
subcontractor247
Computers223
Concurrent Causes
65
Emergency Speed Restriction (ESR)
65
Wear and tear
65, 222
Interdependent65
State Department Advisory
66
Similar warning
66
Sea conditions
66
Institute Cargo Clauses (A)
66
Inherent vice
67
Contractual Transfer of Risk
5
Consequential loss
5, 81, 256, 262, 272, 282, 292
Contribution
121, 237, 240, 259, 269, 277
Cost of Working
163, 184, 211-213, 299, 326, 333, 336
Customers46
Cyber Risks
224-226
D
Declaration-Linked Basis of Cover
131-132, 200-201
Deductibles275
Defective Sanitary Arrangements
95, 292
Definition
256, 262, 272, 297, 300, 303, 305, 323, 327-328
Incident
44, 297, 300, 303, 305, 323, 327, 328, 332, 334
Indemnity Period
135, 145, 195, 220, 297, 300, 303, 305,
327, 329, 335, 337
Maximum Indemnity Period
103, 106, 145, 297, 300, 303, 305, 327, 329
Turnover
221, 297, 300, 329, 334, 336
Gross Profit
99, 100, 135, 297, 300, 334, 336
341
342
Index
61
61, 71, 73
61
61, 70, 256, 272, 331
175
75, 78, 90
88
F
Fines or Damages for Breach of Contract
213
legally liable
214
Fines or Damages
215
Fines or Damages
213, 307
Declaration-Linked Basis
100, 131, 132, 200, 308
Salvage Sale Clause
149, 150, 310
Accumulated Stocks Clause
152, 311
Fire
73, 75, 255
Flexible Limit of Loss Cover
234
Flexible Limit of Loss
234, 335
Franchises126-127
Fuel, Power and Utilities
125
G
Gross Profit Wording Declaration-Linked Basis
299
Renewal Clause
301, 306
Gross Profit Wording Sum Insured Basis
296
Reduction of Turnover
116, 174, 199, 214, 296
Increase in Cost of Working
20, 112, 163, 164, 175, 184, 192, 211, 296
General Conditions
257, 268, 276
Policy Voidable
257, 268, 276
Alteration
258, 268, 276
General Exclusions
72, 75, 81, 256, 266
CONSEQUENTIAL LOSS
81, 256, 262, 272, 282
Damage to property
81
Unlawful association
257
Goods in Store
49
Insureds goods or property
50
Other Premises
40, 50
Gross Profit and the Sum Insured
99, 198
Gross Profit
99-100, 135, 138, 200, 227, 297, 300, 334, 336
Gross Revenue Wording Declaration-Linked Basis
304
Estimated Gross Revenue
304, 305
Gross Revenue Wording Sum Insured Basis
226, 302
Loss of Gross Revenue
302, 304
343
344
Gross Revenue
226, 303, 305, 319,
Annual Gross Revenue
227, 303
Standard Gross Revenue
227, 302, 303, 305
Gross Revenue
226, 303, 305, 307, 311, 319
Gross Revenue Wording
226
Sum Insured Basis
226
services rendered
226
savings229
H
Heating Processes
Hire of Office Equipment
Historical Accounts
77
121
106, 142, 154, 221
Identification of Risks
2
Increase in Cost of Working
112, 163-164, 175, 184, 192, 211, 299, 326, 328, 333, 336
standing charges
127-128, 166-167, 188
working expenses
167
recognised variable charges
167
necessary and reasonable
169
sole
169-170, 185
sole purpose
170-171
Increase in Cost of Working
112, 163-164, 175, 184, 192, 211, 299, 326
Indemnity Period
135, 145, 220, 223, 297, 300, 305, 327, 329, 335, 337
Principles for Policy Wordings
220
Indemnity Principle
17, 241
Independent Liability Method
240
Insurable Interest
17, 21
Indemnity
18, 103, 145, 220, 297
Value18
Paying the value of the loss
18
Indemnifying the Insured
18
MIA 1906
18
Valued Policies
18
Unvalued Policies
18
Adjustments Clause
19, 54, 135, 141
Insurable Interest
17, 21, 26
Personal interest
30
Insurance
5-6, 120, 124, 239
Insured
10, 34
Insurer34
Insurrection82
Interest Charges
182
Interruption Features
12
Index
64
247
120
246
345
346
Nuclear Risks
84-85
Opening Stock
119, 334
Other ABI Extensions
47
Other Additional Perils
92
Storm and flood
92
Escape of water
94, 264, 289
Subsidence, landslip and ground heave
94
Landslip94
Subsidence94
Ground heave
94
Aircraft95
Impact (third party)
95, 289
Own vehicles
95, 289
Sprinkler leakage
95, 290
Other Circumstances
54-58, 118, 141
Other Expenses
119
Overnight Cash Deposits
126
Overtime178-179
Package Policies
226, 232
Packing116-117
Patterns and Designs at Third Party Premises
50
Pension Contributions
121
Perils
61, 262
Subterranean Fire
76, 264
Escape of Water
94, 264, 289
Impact264
Explosion of Vessels
265, 290
Overheating of Tubes
265
Collapse265
Perils
61, 88, 92, 282
PERILS71
ABI Standard
71
Proximate cause
61, 71
Named perils
61, 71, 73, 159
ABI Standard Fire Policy (Business Interruption)
72-73, 75
GENERAL EXCLUSIONS
72, 75, 81, 256, 266
Disease73
Loss of power and services
73
Plant and Machinery
120, 190
Plant and Tool Maintenance
120
Policy Condition
238, 242
Pollution and Contamination
87-88
Index
Power Generation
230
Premises
10, 38
Premium Adjustment Clauses
128, 130-131, 307
Provisional Premium
128-130, 132, 307
Prevention (or Denial) of Access
52
Hinder53
Prevention
52, 53-54, 315
Vicinity53
Professional Offices
233
paid or payable
233
earned233
Professionals Documents
52
Property Survey Report
8, 10
Proximate Cause
61-65, 71, 223
Causation63
Fortuity63
of the seas
63
Directly or indirectly
64
Caused by
64, 77
Arising from
64
Direct64
Effective64
Immediate64
The consequence of
64
Public Utilities
47, 316
Purchase of Better Machinery
181
Purchases
115-116, 178
Rate of Gross Profit
135, 137, 151, 221, 298, 301, 311, 329, 335, 337
financial year
138
Rate of Gross Profit
135, 137, 151, 221, 329, 335, 337
Raw Materials and Discounts Received
176
Raw Materials
12, 119, 176
Just in time
12
Rebellion82
Insurrection82
War83
Invasion83
Act of Foreign Enemy
83
Civil War
83
Act of war
83
Armed conflict
83
Military or usurped power
81, 84, 256, 267, 318,
347
348
Usurped power
Military power
Reinstate Documents and Data
Related Additional Clauses
Rent
property owners
Research Establishment Expenditure
equitable proportion
Research Establishment ExpenditureSpecification
Residual Value
Restaurants
Retail Shops
Riot
Risk Assessment
loss of goodwill
Arson
Collapse of buildings or machinery
Freezing
Contamination
Kidnap and ransom
Malicious damage
Contagious disease
Product tampering
Risk Management
Royalties
Salvage Sale Clause
Savings
Schedule and Extensions
Schedule
Scope of Coverage
Self-insurance
Shifts and Redundancy Payments
Special Business Interruption Extensions
Notifiable disease
Vermin
Defective sanitary arrangements
Murder and suicide
Excluded causes
Special Conditions
Explosion
Aircraft
Riot
Riot (Fire Only)
Index
349
350
Index
Variations
Vermin
Wages (Payroll)
Wages for Clean-up and Restoration
Waiver of Subrogation Rights
Miscellaneous Clauses
Wide Area Damage and the Adjustments
Work in Progress
142, 211
95, 96, 273, 292-294
119
208
249
249
54
206
351