5-2 承保範圍及不保事項 - ACE Group

fraud, dishonesty, or criminal damage. This exclusion will not apply if the person whodiscovers such acts is in collusion with the employee.e) any recall costs and expenses.f) damage or destruction to any premises, or content, fixtures or fittings within the premises,or loss resulting from fire, flood or earthquake.g) indirect or consequential loss, other than as may be agreed under section 5, Extensions.h) income or profit.i) loss of confidential information, though we will cover loss where confidential informationhas been used to help to commit an act covered by this insurance.j) loss resulting directly or indirectly from any credit arrangement, false accounting, tradingin securities, commodities, futures, options, currencies, foreign exchange or the likeunless the loss is a result of internal crime, which results in an employee or anotherperson or organisation in collusion with such employee making an improper financial gainother than salaries, commissions, fees, bonuses, promotions, awards, profit sharing,pension or any other employment benefits.k) any loss caused by an employee unless covered under internal crime.ACE elite III fraudProtector Insurance PolicyAssociated Companies ExclusionBy way of endorsement to the policy, the parties agree as follows (subject otherwise to all otherterms, conditions, limits of indemnity and exclusions of the policy):The definition of:1. Associated Company in section 11, Meaning of the Policy Terms, is deleted in its entirety.2. Insured in section 11, Meaning of the Policy Terms, is deleted in its entirety and replacedwith the following:Insured means the policyholder and is deemed to include:-i) all subsidiary existing at or before the inception date (or subsequent renewal date)and in respect of which we have received a proposal form.ii) any subsidiary acquired or created after the inception date (or subsequent renewaldate) from the date of such acquisition as agreed under section 7(c), Your Obligationsto Us: Automatic Acquisitions..iii) any subsidiary who ceases for any reason to be a subsidiary during the policyperiod for any internal crime, external crime, theft, or physical loss or damagewhich occurs prior to the date of cessation.iv) any plan which you maintain on behalf of your employees other than any planorganised under the rules or regulations of the Employment Retirement IncomeSecurity Act of 1974 (USA) and any amendment thereto.In all other respects this policy remains unaltered.ACE elite III fraudProtector Insurance PolicyRetroactive Date ExclusionBy way of endorsement to the policy, the parties agree as follows (subject otherwise to all otherterms, conditions, limits of indemnity and exclusions of the policy):The following is added to Section 6, “WHAT IS NOT COVERED?”:We will not pay loss consisting of or which is due to any loss resulting from or attributable toany actual or alleged acts, omissions, transactions, circumstances or events which occurred orcommenced prior to the retroactive date or any acts being part of an inter-related series ofsuch acts where one or more of the acts in that series occurred or commenced prior to theretroactive date.For the purpose of this endorsement, it is agreed that the following definition is added toSection 11, “MEANING OF THE POLICY TERMS”:Retroactive Date means [Insert Date].In all other respects this policy remains unaltered.ACE elite III fraudProtector Insurance PolicySpecific Entities EndorsementBy way of endorsement to the policy, the parties agree as follows (subject otherwise to all otherterms, conditions, limits of liability and exclusions of the policy):380