5-2 承保範圍及不保事項 - ACE Group

In consideration of the premium charged, it is hereby agreed and understood that, with effect from [insertdate], the coverages provided by this Policy shall be in excess of the terms and conditions of the policiescarried by the Insured with the following:Underlying or Primary Auto Liability Insurance[Insert underlying policies and their related conditions, such as limit, territory, jurisdiction, vehicletype (owned/non-owned/hired), number of vehicle covered..etc., if any]In the event of failure by the Insured to maintain the aforementioned insurance in force, the insuranceprovided by this Policy shall apply in the same manner it would have applied had such insurance been somaintained.All other terms and conditions remain unchanged.FIRE BRIGADE & WATER DAMAGE CLAUSEThis policy is extended to cover claims made in respect of damage to the Property of third parties arisingout of the use of water or chemical by the Fire Services Department to extinguish a fire in your describedpremises.FIRE LEGAL LIABILITY ENDORSEMENTIt is hereby declared and agreed that such insurance as is afforded by the Policy for Property DamageLiability applies with respect to injury to or destruction of, including loss of use of, real property rented to oroccupied by the Insured at the locations designated in this endorsement, if such injury or destruction iscaused by accident and arises out of fire, subject to the following provisions:1. This insurance does not apply to liability assumed by the Insured under any contract or agreement.2. The limit of liability stated herein applies [insert: separately, if applicable] to the insurance under thisendorsement.Location Limit of Liability Premium[insert Location] [insert Sub-Limit amount] [insert amount]All other terms and conditions remain unchanged.Independent Contractors Liability ClauseIt is agreed that this Policy extends to indemnify all sums which you shall become legally liable to pay ascompensation for bodily injury or damage to property arising out of or caused by or in connection with thealteration of and/or addition to any premises owned occupied or managed by you.It is further agreed that this extension shall not liable for any claim recoverable from any valid Third PartyLiability Insurance or the third party liability section of any Contractor's All Risks Insurance held by you.The contract value under this extension shall not exceed [insert amount] each contract.Pure Financial Loss ExclusionThis Policy does not cover the liability of financial loss sustained by a customer or user of any yourProducts if such financial loss is a direct result of the defective or harmful conditions of such your Products70