1. Bush Fire, excluding loss, destruction or damage caused by Forest Fire
2. Earthquake- Fire and Shock

1. Death of serving President of India/ serving Prime Minister of India/ serving Chief Minister of the state where the Event is being held

Special Exclusions for Cover 1

No indemnity is available hereunder for any Claim directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following.

1. Deductible as shown on the Schedule.
2. Any expenses incurred if the Event is cancelled due to circumstances that were likely to cause the Event to be cancelled and which the Insured and/or Insured’s agent knew at the time when Insured applied for this Policy.
3. Any expense incurred if the Event is cancelled due to lack of funds.
4. Any expenses incurred due to alterations or variation of the Event without prior approval of the

Company.

1. Any expenses incurred if the Event is cancelled due to any regulation or law of any local, state or central authority. The Company also does not cover if the Event is cancelled due to non- granting or withdrawal of permission by any local, state or central authority.
2. Any expenses incurred if the Event is cancelled due to errors or omissions of a Vendor.
3. Any expenses incurred if the Insured fails to notify (as soon as practicable) any Vendor that the Event has been cancelled.
4. Any expenses incurred if the Event is cancelled due to war, invasion, act of foreign enemy hostilities or war like operations (whether war be declared or not), civil war, mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power.
5. Any expenses incurred if the Event is cancelled, directly or indirectly, arising out of or attributable to ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or nuclear weapons material or from the combustion of nuclear fuel or the radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
6. Any expenses incurred if the Event is cancelled because Insured and/or Insured’s agent and/or the Named Artist is arrested or imprisoned for any criminal activity.
7. Any loss or damage caused wilfully or knowingly by the Insured, or any loss or damage in which the Insured or any person acting on Insured’s behalf is involved or implicated.
8. Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.
9. Any legal liability of the Insured.
10. Any expenses incurred if the Event is cancelled due to Accidental death, Accidental injury or illness/sickness of immediate family member of the Insured and/or of the Named Artist.
11. Any expenses incurred if the Event is postponed due to any reason whatsoever.
12. Any loss or damage arising out of fear, threat or hoax of terrorism.
13. Any expenses incurred if the Event is cancelled due to riots, strikes or malicious damage (wherever RSMD Cover is given as an add-on cover under this Policy, this exclusion shall stand deleted).
14. Any expenses incurred if the Event is cancelled due to non-appearance of the Named Artist (wherever Named Artist Cover is given as an add-on cover under this Policy, this exclusion shall stand deleted).

• Repairs, Removal or Extension of the Sprinkler Installation
• Defects in construction known to the Insured
• Bush Fire, excluding loss, destruction or damage caused by forest fire
• Earthquake- Fire and Shock

Special Exclusions Applicable to Cover 2(a)

No indemnity is available hereunder for any Claim directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following.

• Deductible as shown on the Schedule.
• Loss, destruction or damage caused by war, invasion, act of foreign enemy hostilities or war like operations (whether war be declared or not), civil war, mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power.
• Loss, destruction or damage directly or indirectly caused to the property insured by:
• Ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel
• The radio active toxic, explosives or other hazardous properties of any explosive nuclear assembly or nuclear component thereof
• Loss, destruction or damage caused to the insured property by pollution or contamination excluding:
• Pollution or contamination which itself results from a peril hereby insured against
• Any peril hereby insured against which itself results from pollution or contamination
• Loss, destruction or damage to bullion or unset precious stones, any curios or works of art for an amount exceeding Rs. 10000 goods held in trust or on commission, manuscripts, plans, drawings, securities, obligations or documents of any kind, stamps, coins or paper money, cheques, books of accounts or other business books, computer system records, explosives unless otherwise expressly stated in the policy.
• Loss, destruction or damage to the stocks in cold storage premises caused by change of temperature.
• Loss, destruction or damage to any electrical machine, apparatus, fixture, or fitting arising from or occasioned by over-running, excessive pressure, short circuiting, arcing, self heating or leakage of electricity from whatever cause (lightning included) provided that this exclusion will apply only to the particular electrical machine, apparatus, fixture or fitting so affected and not to other machines, apparatus, fixtures or fittings which may be destroyed or damaged by fire so set up.
• Expenses necessarily incurred on:
• Architects, Surveyors and Consulting Engineer’s Fees and
• Debris Removal

by the Insured following a loss, destruction or damage to the property insured by an insured peril in excess of 3% and 1% of the claim amount respectively.

• Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.
• Loss or damage by spoilage resulting from the retardation or interruption or cessation of any process or operations caused by the operation of any of the perils covered.
• Loss by theft during or after the occurrence of any insured peril except as provided under riot, strike and malicious damage cover.
• Any loss or damage occasioned by or through or in consequence directly or indirectly by earthquake, volcanic eruption or other convulsions of nature.

• Loss or damage to property insured if removed to any building or place other than in which it is herein stated to be insured, except machinery and equipments temporarily removed for repairs, cleaning, renovation or other similar purposes for a period not exceeding 60 days.

If the Company asserts that by reason of these exclusions any Claim is not covered by this
Policy, the burden of proving that such Claim is covered shall be upon the Insured.

Cover 2(b) Burglary and Robbery: The Company will indemnify the Insured for Claims made in respect of loss of or damage to Contents or any part thereof whilst contained in the Insured Premises caused by actual or attempted Burglary and/or Robbery during the Policy Period.
In the event of an admitted Claim under this Cover, then the Company will also indemnify the Insured in respect of the reasonable costs incurred by the Insured immediately after the occurrence of an insured event solely with the intention of minimising the quantum of a Claim to be made under this Policy.

Special Exclusions Applicable for Cover 2(b)

No indemnity is available hereunder for any Claim directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following:

• Loss, destruction or damage to Valuables, unless specifically covered in the Schedule.
• Loss, destruction or damage in which the Insured, any Employee or any other person lawfully on or about the Insured Premises is or is alleged to be in any way concerned or implicated.
• Loss, destruction or damage caused due to earthquake, flood, storm, cyclone or other convulsions of nature or atmospheric disturbances.
• Loss, destruction or damage caused by war, invasion, act of foreign enemy hostilities or war like operations (whether war be declared or not), civil war, mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power.
• Loss, destruction or damage caused by ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
• Loss, destruction or damage caused by radioactive toxic, explosives or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
• Any consequential losses of any kind, be they by way of loss of profit, business interruption, market loss or otherwise, and any other legal liability of any kind.
• Loss of Contents from any safe following the use of a key to gain access to the safe, or any duplicate thereof belonging to the Insured unless such key has been obtained by Robbery.
• Loss, destruction or damage to any motorised vehicle or trailer of any type or description.
• Loss, destruction or damage to livestock.

If the Company asserts that by reason of these exclusions any Claim is not covered by this
Policy, the burden of proving that such Claim is covered shall be upon the Insured.

Basis of Claim Payment for Cover 2

• Where a damaged item can reasonably be repaired or reinstated at a cost less than the replacement cost, then the Company will indemnify the Insured in respect of the expenses necessarily incurred to restore such item to its state immediately prior to the happening of the insured event

• the Property Damage shall be deemed to have occurred when it first became physically evident to the claimant, even if the cause itself was unknown

Special Exclusions Applicable to Cover 3

The Company is not liable for and no indemnity will be provided in respect of any loss arising out of, caused by, occasioned by, attributable to or howsoever connected to:

• Any agreed assumption of risk by the Insured, save to the extent that liability would have attached in the absence of such agreement.
• Any Accident arising out of the deliberate, wilful or intentional non-compliance with any statutory provision.
• Any Bodily Injury of any person under a contract of employment or apprenticeship with the Insured, or the Insured's contractors or sub-contractors, if such bodily injury was contracted and/ or arose out of and in the course of his employment.
• The Insured’s consequential losses of any kind, be they by way of loss of profit, loss of opportunity, business interruption, market loss or otherwise, or any claims arising out of loss of a pure financial nature such as loss of goodwill.
• The infringement of plans, copyrights, patents, trade names, trade marks or registered designs.
• Libel, slander, false arrest, wrongful eviction, wrongful detention, defamation including mental injury, anguish or shock resulting therefrom.
• The ownership possession or use by or on behalf of the Insured of any motor vehicle or trailer for which compulsory insurance is required by legislation other than the following:
• accidents caused by the use of any tool or plant forming part of or attached to or used in connection with any motor vehicle or trailer
• accidents occurring beyond the limits of any carriageway or thoroughfare caused by the loading or unloading of any motor vehicle or trailer
• claims for damage to any bridge, weighbridge, road or anything beneath caused by the weight of any motor vehicle or trailer or of the load carried therein
• claims    arising out of any motor vehicle or trailer temporarily in the Insured’s

custody or control for the purpose of parking

• The ownership, possession or use by or on behalf of the Insured of any watercraft, hovercraft or air or spacecraft.
• The transportation of materials and/or hazardous or dangerous substances outside the

Insured's Premises.

• Damage to property belonging to third parties that is rented, leased or hired or under hire- purchase or on loan to the Insured. An indemnity shall however be provided for claims arising out of accidental   damage to the Insured   Premises or the Contents thereof, that are temporarily occupied by the Insured for working thereon, but only to the extent the Insured is held legally liable for the same independently of any specific agreement relating to the use of the same.
• Damage to property belonging to third parties handled by the Insured by way of his trade or worked upon by or in the care, custody or control of the Insured or any person employed by or working for the Insured. An indemnity shall however be provided for claims arising out of damage to employees' and visitors clothing or personal effects brought onto the Insured's Premises with the Insured’s consent.
• The deliberate, conscious or intentional disregard by the Insured's management of the need to take all reasonable steps to prevent Bodily Injury and/ or Property Damage.
• Bodily Injury and/or Property Damage occurring prior to the Retroactive Date.
• Any liability under the Public Liability Insurance Act 1991, any amendment thereto, or any other statute or law which attaches liability on a no fault basis.

Bajaj Allianz General Insurance Company Ltd               9

Event Insurance Policy Wordings

• Pollution of any kind.
• Any Product.
• Any Claim made, threatened or intimated against the Insured prior to the Policy Period.
• Any Claim directly or indirectly arising out of, or in any way involving any fact or circumstance of which written notice has been given, or ought reasonably to have been given, under any previous policy (whether   insured by the Company or not); or of which the Insured first became aware prior to the Policy Period and which the Insured knew or ought reasonably to have known had the potential to give rise to a Claim.
• Liability more specifically insured elsewhere.
• Any Claim made where the circumstances that exist are materially different to the circumstances represented by the Insured in the proposal.
• Any Claim directly or indirectly made or arising in any respect from or in any manner connected to earthquake, tornado, typhoon, cyclone, flood or other convulsions of nature or atmospheric disturbance.

If the Company asserts that by reason of these exclusions any Claim is not covered by this
Policy, the burden of proving that such Claim is covered shall be upon the Insured.

COVER 4: PERSONAL ACCIDENT (APPLICABLE ONLY IF OPTED BY THE INSURED AND SHOWN ON THE SCHEDULE)

In the event of any Accidental Bodily Injury sustained by the Named Insured anywhere in the Venue during the Policy Period, the Company will make payment as provided for below.

Coverage Part A: Death

• The Company will pay the Sum Insured in the event of Accidental Bodily Injury causing the Named Insured death within 12 months of the Accidental Bodily Injury being sustained, whereupon this Coverage Part 4 insofar as it relates to that Named Insured shall expire.
• The Company will also, in addition to the Sum Insured, pay up to 2% of the Sum Insured or Rs.5,000/- (whichever is lower) towards the cost of transporting the Named Insured s remains from the place of death to the hospital/ residence and/or cremation and/or burial ground.

Coverage Part B: Permanent Total Disability (Applicable only if opted by the Insured and shown on the Schedule)

• In the event of Accidental Bodily Injury causing the Named Insured’s Permanent Total Disability within 12 months of the Accidental Bodily Injury being sustained, the Company will pay 125% of the Sum Insured, whereupon this Coverage Part 4 insofar as it relates to that Named Insured shall expire.
• If the Named Insured was suffering from any permanent disability prior to the date upon which Accidental Bodily Injury was sustained, then the Company’s liability to make payment hereunder shall be reduced by the extent of the same, as advised by the Company’s medical advisors.

Coverage Part C: Permanent Partial Disability (Applicable only if opted by the Insured and shown on the Schedule)

• In the event of Accidental Bodily Injury causing the Named Insured permanent partial disability as mentioned in the PPD Table below within 12 months of the Accidental Bodily Injury being sustained, the Company will pay the percentage of the Sum Insured specified for each and every form of impairment mentioned in the PPD table:

PPD Table

• If the Accidental Bodily Injury causes the Named Insured permanent partial disability within 12 months of the Accidental Bodily Injury being sustained other than as specified in the PPD Table above, the Company’s liability to make payment shall be as follows:
• In the case of the Named Insured suffering partial loss or functional impairment of one of the body parts or sensory organs mentioned in the PPD Table, the Company will pay a corresponding proportion of the percentages specified in the PPD Table, as advised by the Company’s medical advisors.
• In the case of the Named Insured permanent partial disability of a nature not detailed in the PPD Table, the Company will pay a proportion of the Sum Insured by reference to the degree to which the Named Insured normal functional physical capacity has been impaired, as advised by the Company’s medical advisors.
• If the Named Insured was suffering from any permanent partial disability prior to the date upon which Accidental Bodily Injury was sustained, then the Company’s liability to make payment hereunder shall be reduced by the extent of the same as advised by the Company’s medical advisors.
• If the Accidental Bodily Injury sustained by the Named Insured causes a subsequent claim by the Named Insured under Coverage Parts A or B, then this Coverage Part shall not be operative and the amounts payable under either Coverage Parts A or B shall be reduced by the amount of any payment made under this Coverage Part.

Coverage Part D: Medical Expenses Reimbursement (Applicable only if opted by the Insured and shown on the Schedule)

If the Company has accepted a Claim under Coverage Part A to C, then the Company will reimburse the costs of necessary medical treatment which the Named Insured had to obtain from a Doctor because of the Accidental Bodily Injury which the Named Insured had met with. However, Company’s payment will be limited to 40% of the value of the Claim accepted under Coverage Part A to C or Rs. 500000, whichever is lower.

Special Conditions Applicable to Cover 4

It is a condition precedent to the Company’s liability under this Policy that in the event of any
Accidental Bodily Injury that may give rise to a claim:

• the Named Insured and/or the Insured shall immediately and in any event within 14 days provide the Company with written notification of a claim, and
• the Named Insured shall immediately and without any delay, consult a Physician

and follow such advice and treatment that the Physician might recommend, and

• the Named Insured shall take every other reasonable step and/or measure to minimise the consequences of the Bodily Injury, and
• the Named Insured and/or the Insured shall immediately and in any event within 14 days provide the Company with written notification of any other claim that may

be made under any operative Coverage Part caused by the Accidental Bodily Injury, and

• in the event of the Named Insured’s death, written notice accompanied by a copy of the post mortem report (if any) is given to the Company within 14 days (regardless of whether any other notice might already have been given to the Company), and
• the Named Insured and/or the Insured shall expeditiously provide the Company with or arrange for the Company to be provided with any and all information and documentation in respect of the Claim and/or the Company’s liability hereunder that may be requested, and submit himself for examination by the Company’s medical advisors as often as may be considered necessary by the Company.

Special Exclusions Applicable to Cover 4

The Company is not liable for and no indemnity will be provided in respect of any loss arising out of, caused by, occasioned by, attributable to or howsoever connected to:

• suicide, attempted suicide or self inflicted injury or illness.
• any mental dysfunction or disorder, or psychosomatic dysfunction or disorder.
• the use or misuse of any drugs, alcohol or hallucinogens.
• stroke, epileptic fit or other cramp like attacks or convulsions unless caused by an insured event under this Cover.
• deliberate or intentional criminal act of the Named Insured.
• any accident resulting from war (whether declared or not), civil war, invasion, act of foreign enemies, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrest, restraint or detainment, confiscation or nationalisation or requisition of or damage by or under the order of any government or public local authority.
• any consequential losses of any kind, be they by way of loss of profit, loss of opportunity, loss of gain or potential gain, business interruption, market loss or otherwise, and any other legal liability of any kind.
• whilst engaging in aviation or ballooning, whilst mounting into, dismounting from or travelling in any balloon or aircraft other than as a passenger (fare paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world.
• any accident suffered by the Named Insured on account of his participation as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs.
• any accident caused either directly or indirectly by nuclear energy, radiation.
• curative treatments or interventions that the Named Insured performs or has had performed on his body.
• venereal or sexually transmitted disease.
• HIV (Human Immunodeficiency Virus) and/or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) and/or mutant derivatives or variations thereof however caused.
• pregnancy, resulting childbirth, miscarriage, abortion, or complication arising out of any of the foregoing.
• the Named Insured’s participation in any naval, military or air force operations whether in the form of military exercises or war games or actual engagement with the enemy, whether foreign or domestic.

If the Company asserts that by reason of these exclusions any Claim is not covered by this Policy, the burden of proving that such Claim is covered shall be upon the Named Insured.

COVER 5: MONEY INSURANCE (APPLICABLE ONLY IF OPTED BY THE INSURED AND SHOWN ON THE SCHEDULE)

The Company will indemnify the Insured for the loss In Transit of Money whilst carried by the Insured or its Authorized Employee, caused during the Policy Period by Robbery, theft or any other fortuitous event.
The coverage provided hereunder includes the loss of Money caused by:

• actual or attempted Burglary during the Policy Period but only if the Money is contained in a Safe or Strong Room whilst the Insured Premises are unoccupied
• Robbery during the Policy Period from the cashier’s till and/or counter in the Insured Premises during business hours

Special Conditions Applicable to Cover 5

• It is a condition precedent to the Company’s liability hereunder that the Insured shall:
• immediately and in any event within 24 hours of the happening of any insured event giving rise to or likely to give rise to any claim under this Policy give written notice to the Company to the address shown in the Schedule, and in the case of the notification of an event likely to give rise to a claim, the Insured shall specify in writing the grounds for holding such belief
• immediately and in any event within 24 hours lodge a complaint with the police detailing the Money lost in respect of which the Insured intends to submit a claim or the circumstances which might reasonably be expected to give rise to a claim, and within the same period provide a copy of that written complaint and the First Information Report to the Company
• within 14 days deliver to the Company a detailed written statement of the Money lost and an estimate of the quantum of any claim along with all documentation required to support and substantiate the amount sought from the Company
• expeditiously provide the Company and its representatives and appointees with all the information, assistance and documentation that they might reasonably require
• take all reasonable steps to identify the perpetrators of the Robbery and/or theft and discover and recover any Money lost
• The Insured shall:
• take all reasonable steps to safeguard the Money and any means by which the Money is

In Transit against any insured event

• ensure that any security system or aid specified in the proposal is maintained in accordance with any maintenance schedule or recommendations of the manufacturer or, if none, then as may be required, and kept in good and effective working condition
• ensure that when the Insured Premises are unoccupied all safety installations and aids (including, but not limited to, any burglar alarm system) have been properly deployed
• The Insured shall maintain a contemporaneous daily written record of the Money In Transit and such record shall be produced to the Company in the event of any Claim

Special Exclusions Applicable to Cover 5

The Company is not liable for and no indemnity or payment will be provided in respect of any loss arising out of, caused by, occasioned by, attributable to or howsoever connected to:

• any consequential losses of any kind, be they by way of loss of profit, loss of opportunity, loss of gain or potential gain, business interruption, market loss or otherwise and any other legal liability of any kind.
• loss of Money carried by anyone other than the Insured or an Authorized Employee.