JRP Property Owner Endorsement Wordings 2016/02

JRP Property Owner Endorsement Wordings 2016/02

PO1 - Accidental Damage Extension

Section 1 is extended to cover the Property Insured specified in the Schedule against accidental Damage occurring during the Period of Insurance at the Premisessubject to the Sums Insured specified in the Scheduleand the following exclusions.

Exclusions:

a)The amount of the Excess specified in the Schedule

b)Damage caused by or following upon subsidence, collapse, landslip, ground heave, settling, cracking, shrinkage or expansion of any building or foundation

c)Mechanical and/or electrical derangement and/or breakdown, breakage of valves, filaments and the like burning out or Damage directly caused by short circuiting and/or claims arising from overheating

d)Damage caused by moth, vermin or insect, wear, tear, gradual deterioration, rust or oxidization, rot, mould or mildew, inherent vice, latent defect, mysterious disappearance or unexplained shortage

e)Damage caused by faulty manipulation, scratching or denting or loss of magnetism and/or erasure of tapes or faulty projection, shortage in weight, contamination, taint or insufficiency of insulation

f)Breakage of articles of a brittle nature (other than jewellery) unless such breakage is caused by burglars, thieves or fire and/or Breakage of Glass, over winding or internal damage of clocks and/or watches

g)Loss by delay, loss of market, consequential loss of any and every description

h)Damage which is sustained whilst the Property Insured is being worked upon or is under any process and directly resulting there from

i)Damage caused by climatic or atmospheric conditions or extremes of temperature

j)Infidelity or dishonesty by You or any of Your Employees

k)Damage to aircraft, watercraft, vehicles, livestock, growing timber or crops, jewellery, furs, watches, precious metals/stones, Money, documents, data or word-processing, media or computer systems records

l)Damage insured more specifically under any other Section or Sections of this Certificate or any other Insurance

m)Damage to TV and radio aerials, satellite dishes, aerial fittings and masts.

PO3- Composite Panel Condition

In respect of any Building containing composite panels You must comply with requirements a – hbelow otherwise all Damage arising from or caused by the Defined Perils of fire and explosion will be excluded and indemnity under Section 3 will not operate.

You must ensure that;

a)suitable fire extinguisher appliances are supplied in all cooking areas

b)ducting, conduit wiring and hot flues are adequately protected within fire resistant sleeves where passing through composite panels

c)at least weekly inspections are undertaken by You to check for damage to composite panels or panel joints. Any defects found to be rectified without delay or replaced by a panel with a non-combustible core within 7 days

d)no repairs will be made to composite panels that involve welding, grinding, cutting or other obvious ignition sources

e)all heat sources are kept at least 2 metres from any composite panelling or such panelling to be of a non-combustible core

f)no external storage of combustible stock, packaging pallets, waste or waste skips or bins within 10 metres of the Buildings

g)any work involving the application of heat will only be carried out by a qualified Contractor and You are to ensure the Contractor has Public Liability Insurance in force with an indemnity limit of not less than £2m and shall confirm same through sight of certificate of insurance prior to commencement of work. You must not waive subrogation rights against any such Contractor.

h)works involving the application of heat must comply with the following minimum standards:

i)the area in which work is to be carried out shall be adequately cleared and combustible materials shall be removed to a distance not less than 6 metres from the area of proposed work

ii)if work is to be carried out overhead then the area beneath shall be similarly cleared and all combustible materials removed

iii)suitable fire extinguisher with a capacity of not less than 9 litres shall be kept available for immediate use

iv)blow lamps and blow torches shall be lit in as short a time as possible before use and extinguished immediately after use

v)lighted blow lamps and torches shall not be left unattended

vi)half an hour after each period of work a thorough examination shall be made of and in the area in which works have been undertaken for any signs of smoke or smouldering or flames

vii)if work is to be carried out in the vicinity of composite/sandwich panels then such panels must be protected by non-combustible blankets drapes or screens.

viii)a person is appointed by You or the contractor who will watch for signs of smoke or smouldering or flames and will take immediate steps to extinguish any smouldering or flames discovered during works and for a period of 60 minutes after works have finished

PO4 - Daily Waste

You must ensure that all combustible trade waste and refuse is removed from the Buildings every night otherwise all Damage arising from or caused by the Defined Perils of fire and explosion will be excluded and indemnity under Section 3 will not operate.

PO5 – External Smoking

You must ensure that smoking is prohibited throughout the Premises except in specifically designated external areas and suitable notices to this effect are displayed in prominent positions. You must also ensure that metal receptacles are provided for waste materials and are kept at least 2 metres from the Buildingsotherwise all Damage arising from or caused by the Defined Perils of fire and explosion will be excludedand indemnity under Section 3 will not operate.

PO6 - First Loss Average

When the Sum Insured is shown as being First Loss in the Schedule the applicable item of this Section is subject to the Condition of Average (First Loss), that is to say, if the total value of all property covered by the item shall at the time of any loss be greater than the value notified by You, then You shall be entitled to recover hereunder only such proportion of the said loss as the said notified value bears to the total value, up to but not exceeding the Sum Insured for the item.

PO7 - Frying and Cooking Equipment

You must comply withrequirements a – j below otherwise all Damage arising from or caused by the Defined Perils of fire and explosion will beexcluded and indemnity under Section 3 will not operate.

You must ensure that:

a)all frying and other cooking ranges, equipment, flues and exhaust ducting is kept securely fixed and free from contact with combustible materials

b)all extraction hoods, canopies, filters and grease traps are cleaned at least every 2 weeks

c)all extraction ducts are cleaned monthly and maintained and checked at least once every 6 months by a specialist contractor

d)the record of such cleaning and servicing of the extraction ducts is kept elsewhere other than at the Premises and will be made available for inspection at any time

e)frying equipment will be installed used and maintained in accordance with the manufacturer’s instructions

f)multi-purpose fire extinguishers and at least one fire retardant blanket which conforms to the relevant British Standard suitable for extinguishing oil and fat fires is kept in close proximity to the working area of the range and maintained ready for use

g)frying ranges are not left unattended whilst in use

h)all naked flames (other than pilot lights) and all electrical elements are turned off when the kitchen(s) are closed.

i)the frying range must hold levels of oil that will enable the safe operation of the equipment and activate thermostatic cut out devices

j)if the equipment is fitted with thermostatic probes they will be used at all times when the equipment is in use

PO8 - Metal Workers Waste

You must ensure that all oily and/or greasy waste and used cleaning cloths which remain in the Buildings overnight are kept in metal receptacles with metal lids and removed from the Buildings at least once a week otherwise all Damage arising from or caused by the Defined Perils of fire and explosion will be excluded and indemnity under Section 3 will not operate.

PO9 - Minimum Security Requirements (B)

You must ensure that in addition to the Security obligations stated in the Certificate requirements 1,2 & 3 below are complied withotherwise all Damage arising from or caused by the Defined Perils of fire,theft and malicious persons will be excluded.

You must ensure that:

1)an intruder alarm is installed and put into full and effective operation whenever the Premises are closed for business or left unattended. Underwriters will not regard the intruder alarm as effective if the specification or system record provides for a telephone line, direct line or central monitoring station warning system and You have had notice of the withdrawal of the Police, telephone or central monitoring station service and such service has actually been withdrawn

2)the intruder alarm is maintained under contract by a company which is either included in the official list of recognised firms of the National Security Inspectorate (NSI), or the Security System and Alarm Inspections Board (SSAIB) or approved by Underwriters

3)all keys to the intruder alarm are removed from the Premises whenever they are closed for business or left unattended. Where You or an Employee occupies part of the Premises for residential purposes, the keys must be removed from the Business part of the Premises.

PO10 - Minimum Security Requirements (C)

You must ensure that in addition to the Security obligations stated in the Certificate requirements 1 ,2&3 below are complied withotherwise all Damage arising from or caused by the Defined Perils of fire,theft and malicious persons will be excluded.

You must ensure that:

1)an intruder alarm thatprovides for a police telephone line, direct line or central monitoring station warning system is installed and put into full and effective operation whenever the Premises are closed for business or left unattended. Underwriters will not regard the intruder alarm as effective if You have had notice of the withdrawal of such service and such service has actually been withdrawn

3)all keys of the intruder alarm are removed from the Premises at night and whenever they are closed for business or left unattended. Where You or an Employee occupies part of the Premises for residential purposes, the keys must be removed from the Business part of the Premises

PO11 - Obsolete Building

The basis of valuation for the purpose of average shall be;

a)the cost of purchasing a similar building to the insured building plus an allowance for removal of debris costs or

b)the cost of erecting a modern building providing comparable facilities to the insured building plus an allowance for professional fees, removal of debris costs and the additional expenditure which might arise out of local authorities’ requirements.

PO12 - Paint Spraying

You must ensurethat all spraying of paints or varnishes with a flash point below 32 degrees centigrade are carried out in an area enclosed by non-combustible materials and extraction to the open air and any electrical installation including that for extraction is of flameproof design and any heating is of the black-heat type and with fully enclosed elementsotherwise all Damage arising from or caused by the Defined Perils of fire and explosion will be excluded and indemnity under Section 3 will not operate.

You must also ensurethat;

a)only one days supply of flammables is kept in the spraying area

b)all other flammables are kept in a designated enclosed steel bin or if the stocks of same are substantial they are kept in a store with high and low level vents to the open air or forced flameproof extractor at floor level

c)all lighting is flameproof

d)smoking is strictly prohibited in the areas where processes are carried on and signs to this effect are prominently displayed.

PO13 - Planning Permission

It is a requirement that You notify Underwriterswithin 7 days if:

a)anapplication for planning permission in respect of the Premises is withdrawn by You or refused by any Planning Authority or government body, or

b) if any application for consent to vary use of or de-list the building is denied,

otherwisethe Certificate will be treated as cancelled and all cover will terminate unless You have notified Underwritersof any such changes to permissions or consents and at their option they have agreed in writing to vary the Certificate.

PO14 – Hostels

You must ensure that in respect of any Premises or part thereofbeing used as a hostel;

1)no cooking is carried out in rooms other than those specifically designated as kitchens

2)there is 24 hour occupancy of the Premises by the Youor Youremployees

3)all rooms are cleaned and/or inspected at least once a week

otherwise all Damage arising from or caused by the Defined Perils of fire and explosion will be excluded and indemnity under Section 3 will not operate.

PO15 - Roof Maintenance

You must ensure that:

i)anyflatfeltedroof portion of the Buildingsis inspected every two years bya qualifiedbuilderorpropertysurveyorandanydefectsbroughtto lightby thatinspectionarerepaired, and

ii)at commencement and throughout the currency of this insurance You must have documentation evidencing that such inspections and repairs described above have taken place

otherwise all Damage arising from or caused by the Defined Peril of storm will be excluded.

PO16 - Storage of Combustible Materials

You must ensure that no combustible materials are externally stored within 10 metres of the Buildings outside business hours otherwise all Damage arising from or caused by the Defined Perils of fire and explosion will be excluded and indemnity under Section 3 will not operate.

PO17 - Subsidence Ground Heave and Landslip Extension

Notwithstanding exclusion d i) in Section 1 of this Certificate, cover extends to includeDamage caused by Subsidence or Ground Heave of any part of the site on which the property stands or Landslip excluding;

a)the first GBP 1,500 of each and every loss after the application of any Condition of Average

b)Damage to yards, car parks, roads, pavements, walls, gates and fences unless also affecting a Building insured hereby

c)Damage caused by or consisting of:

i)the normal settlement or bedding down of new structures

ii)the settlement or movement of madeup ground

iii)coastal or river erosion

iv)defective design or workmanship or the use of defective materials

v)an insured peril not otherwise excluded

d)Damage which originated prior to the inception of this cover

e)Damage resulting from;

i)demolition, construction, structural alteration or repair of any property or

ii)groundwork or excavation at the Premises

Terms applying to this Extension

You shall notify the Underwriters immediately You become aware of any demolition, groundwork, excavation or construction being carried out on any adjoining site to the Premises.

The Underwriters shall then have the right to vary the terms or cancel this extension of cover.

PO18 - Survey

In the event Underwriters have granted cover subject to a survey it is a requirement that:

Your full co-operation is provided to ensure that the survey is completed by the survey completion date stated in the Schedule or Certificate endorsement, otherwise all cover will cease immediately unless an extension to the period has been agreed in writing by the Underwriters.

Following the survey Underwriters have the right to cancel or vary this insurance with immediate effect or impose additional terms, conditions and exclusions and/or revise the premium rate.

You must implement all survey requirements within the time limits specified by the Underwriters and maintain implementation of such requirements during the currency of this insurance and any additional periods granted by the Underwriters unless otherwise agreed.

If You fail to implement the term(s) of the requirement(s) within the time limit(s) specified by the Underwriters then all cover under the Certificate shall terminate and remain inoperative unless:

an extension to the time limits has been agreed by the Underwriters in writing,or
all the survey requirement(s) have been fully implemented at the time of Damage,or
the Underwriters have agreed to waive the survey requirement(s)

For the avoidance of doubt all terms and conditions of the Certificate continue unless otherwise agreed by Underwriters in writing.

In the event the Certificate is cancelled due to the terms of this endorsement a return premium will be calculated on a pro-rata basis less the cost of the survey up to a maximum of £500.00 (or equivalent currency).

PO19 - Terrorism Extension

In any action suit or other proceedings where the Underwriters allege that any Damage is not covered by this Extension the burden of proving that such Damage is covered shall be upon You

This Insurance is extended for the Period of Insurance stated in the Schedule to include;

a)Damage to Property Insured at the Premises, as stated in the Schedule to this Insurance, situated in the United Kingdom other than Northern Ireland (meaning England and Wales and Scotland but not the territorial seas adjacent thereto as defined by the Territorial Sea Act 1987) and

b)where applicable under this Insurance consequential loss arising from business interruptionarising out of Terrorism

provided always that the Terrorism Insurance provided under this Extension is

Anot applicable to;

a)any land or building of which any part isinsured in the name of an individual; or

b)occupied as a privateresidence, or owned or occupied in the name of an individual, unless

i)the part so occupied/owned is less than 80% of the land or building as a whole; and

ii)the proportion of such land or building which is commercially occupied is more than 20%; and

iii)any part which is occupied as a private residence, or owned or occupied in the name of an individual, is insured