Composite Public & Private

Exclusions

The policy can be extended on payment of extra premium to include :

Pollution Liability:

The extension covers liability for death or bodily injury or physical damage to or destruction of tangible property or loss of use of such property damaged or destroyed due to industrial seepage, pollution and contamination caused by a sudden, unintended and unexpected happening which takes place in its entirety at a specific time and a specific place. The coverage will also apply to cost of removing nullifying or cleaning up seepage, pollution or contamination only when it is caused by a sudden, unintended and unexpected happening. The extension, however, will not cover fines, penalties, punitive and exemplary damage.

Carriage of effluents (outside the premises):

The extension covers liability for death or bodily injury or physical damage to or destruction of tangible property or loss of use of such property damaged or destroyed arising out of accidents directly caused by treated effluents whilst being carried by pipelines outside the premises insured to discharge points. The coverage will not include pollution risk unless specifically covered.

Liability arising out of transportation:

This extension covers legal liability of the Insured for death or bodily injury or loss of or damage to or loss of use of property arising out of accident directly caused by materials/dangerous or hazardous substances whilst being transported by rail/road/pipeline.

Technical Collaborators inclusion:

This extension covers legal liability of the technical collaborators with respect to the collaboration agreement between the Insured and the Collaborator.

Exclusions

The policy does not cover liability or costs arising out of:

Assumed by you by agreement and which would not have attached in the absence of such agreement.

Earthquake, earth-tremor, volcanic eruption, flood, storm, tempest, typhoon, hurricane, tornado, cyclone or other similar convulsions of nature and atmospheric disturbance. You can obtain an extension to cover liability arising from these perils.
Deliberate, willful or intentional non-compliance of any statutory provision
Loss of pure financial nature such as loss of goodwill, loss of market etc.
(a)All personal injuries such as libel, slander, false arrest, wrongful eviction, wrongful detention, deformation etc. and mental injury, anguish, or shock resulting therefrom. (b)Infringement of plans, copyright, patent, trade name, trade mark, registered design; arising out of fines, penalties, punitive of exemplary damages or any other damages resulting from the multiplication of compensatory damages.
Directly or indirectly occasioned by, happening through or in consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war rebellion, revolution, insurrection or military or usurped power.
Directly or indirectly caused by or contributed to by ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel;the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof;
Any pollution liability arising from the manufacture, sale and distribution of any product.
Injury to or illness or disease of any person under a contract of employment or apprenticeship with the insured, the insured's contractor or subcontractor, if such injury or illness was arising out of and in the course of his employment.
Products which have left the custody and control of the Insured prior to the retroactive date specified in the schedule of this policy
Resulting out of damage to the Insured's product arising out of it or any part of it which is or is alleged to be defective or to fail to fulfill the purpose it was intended for
Any product guarantee
The recall of any product or a part thereof
Any product which by the insured's knowledge is intended for incorporation into the structure, machinery or control of any air or spacecraft.

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