Type of Cover : INDUSTRIAL ALL RISK INSURANCE

Wording : Amended Munich-Re Standard Based on Riot, Strike, Malicious Damage,

(RSMD 4.1 A) Plus Civil Commotion (CC) with 30 days cancellation condition

The Insured : PT. TRISAKTI PURWOSARI MAKMUR

And/or Associate and/or Subsidiary and/or Affiliated Companies for their
respective rights and interests

Address : Jl. Raya Purwosari No. 341, Purwosari, Pasuruan

Risk location : Jl. Perak Timur No. 352, Surabaya

Period : 12 months, December 5, 2014 up to December 5, 2015

Occupation : Private Warehouse (29371) / Office (2971)

Coverage : Insured against physical loss or damage to the property insured here-under
from any caused except as specifically excluded in the policy, occurring during
the period of the policy

Interest Insured : All real and personal property of every kind, nature and description including
landscaping, decoration inventory and the insured’s interest contained in the
premises in each location occupied as attached, go downs and including other
consignment or storage, for processing, repairs or alterations, under contract
of purchase, under lease or has agreed to carry insurance or where the
insured has assumed or wishes to assumed liability in expectation of the
insurable interest or is otherwise liable thereof or has agreed to carry
insurance thereon and/or as further described in the schedule of the policy

Definitions if interest and Property Insured:

BUILDINGS
The Building (including foundation) on the described premises including:
a. Landlord’s fixtures and fittings
b. Fire and Security Protection Installations
c. Telephone, gas, eater and electric instruments meters, piping, cabling
and the like and accessories thereof including similar property in
adjoining yards or roadways or underground (to the building or
buildings or contents insured by respective items of this specification)
all the property of the insured or of supplier or others for which the
insured is responsible (all to be within the insured’s premises)
d. Plumbing, Ventilation and installation, light standards, flag poles,
awnings, signs, door or windows, display, cabinets and similar
structure of whatsoever description
e. Site improvements scaled area, car parks, paths and the like which
partly or wholly serves to supply the described premises
 f. Walls, gates and fences around and pertaining to the described
premises
g. The decoration on the described premises including all other interior
and exterior (including fixture and fittings) and display whatsoever
description.
h. Material and supplies intended for use in the construction, alteration
or repairs of building provided, wherever used in the policy is defined
as fixtures, alterations, installations or additions, comprising apart of
the described building and made or acquired at the expense of the
insured exclusive of rent paid by the insured. Provided, that if the
same with any other buildings or structured owned by the named
insured, than this insurance shall cover only such portion of the same
situate on the above described premises as lies between the building
covered under this policy and a point midway between it and such
other building or structure insured under another policy.

CONTENTS
Equipment decoration and other interior fixtures and fittings, computers and
Other equipment including but not limited to the furniture, filling cabinet,
electronic and non electronic typewriter, telephone, telex and facsimile
machinery, and all other accessories attached thereto as the property of the
insured or held by them in trust for which the insured as legally responsible

Sum insured : Buildings & Other Facilities IDR. 1.149.000.000,00

Property Excluded : - Property/ Structure in the course of construction or erection

- Property being worked upon and actually arising from the process, etc
- Property in transit by road, rail, air or water
- Licensed road vehicles, railway locomotives and rolling stock, watercraft,
- Air craft, spacecraft and the like
- Jewelry, precious stones, precious metals, bullion, furs, curiosities, rare
books or work of art
- Standing timber, growing crops, animal, birds, fish
- Land (including topsoil, backfill drainage or culvert), driveways, pavements
- Roads, runway, railways lines, dams, reservoirs, surface water, underground
water, canals, rigs, wells, pipelines, cables, tunnels, bridges, docks, piers,
wharves, mining property underground, offshore property
- Property in the position of costumers under rental agreements or hire
purchase, credit other suspense sale agreements
- Property insured by any marine policy or policies

Main Exclusions : - War, invasion, act of foreign enemy, hostilities, civil war, mutiny, Rebellion
- Revolution, insurrection or military or usurped power
- Lionizing, radiation or contamination by radioactivity from any nuclear fuel
or from any nuclear waste from combustion of nuclear fuel
- Radioactive, toxic, explosive or other hazardous properties of any explosive
nuclear assembly or nuclear component thereof
- Willful act or willful negligence of the insured or of his representatives
 - Delay, loss of market or other consequential loss
- Dishonesty, fraudulent act, etc
- Disappearance, unexplained or inventory shortage
- Electrical or mechanical breakdown or derangement. Joint leakage, failure
of welds, collapse or overheating of boilers, economizers
- Wear and tear, inherent vice, gradually operating causes
- Pollution or contamination
- Shrinkage, evaporation, loss of weight, etc
- Change in temperature or humidity
- Rectifying detective materials, faulty workmanship or design
- Total or partial cessation of work
Deductibles :
 Fire, Lightning, Explosion & Aircraft Damage and Smoke : 5% of Claim and
or 0,1% of TSI
 Riot, Strike, and Malicious Damage (4.1 A): 10% of claim payable,
minimum IDR. 10.000.000,-
 10 % of loss minimum IDR. 15.000.000,- in respect Civil Commotion
 Typhoon, Storm, Flood and Water Damage, Landslide, Landslip and
subsidence : 10 % of loss
 Self of combustion ; 2,5% of claim
 Impact by Vehicle: IDR. 1.000.000,- each and every loss or damage
 Others, IDR. 1.000.000,- each and every loss or damage

Additional Clauses :
 All Other Contents Clause
 Alteration and repairs Clause
 Awnings, Blinds etc. clause (5 % Of Total Sum insured)
 Architects, Surveyors etc. Clause (5 % of Total Sum insured)
 Appraisement Clause (10 % Of Total Sum insured)
 Average Relief Clause (85% of TSI)
 Brand and label clause
 Capital Additions Clause (10% of TSI)
 Civil Authorities Clause
 Computer Record Clause (Limit IDR. 10.000.000)
 Cost of Re- erection Clause
 Currency Clause
 Cost of Rewriting Records and Claim Preparation Clause (1% of TSI)
 Claim payment Clause
 Designation of Property Clause
 Dispute Clause “AUUI”
 Expediting Expenses Clause (10% of Loss)
 Electronic Date Recognition Clause (EDRC A)
 Error and Omissions Clause
 Fire Brigades Charges Clause (As Reasonable Cost)
 Fire Extinguishing Cost Clause (As Reasonable Cost)
 General Interest Clause
 Impact by Own Vehicle Clause
 Internal Removal Clause
 Leased Property Clauses
 Loss Notification Clause (14 days)
  Loss of Damage Goods Clause
 Minor Alteration and Repair Clause
 Misdescription Clause
 Notification Clause
 Nominated Adjuster Clause
(PT. Satria Dharma Pusaka and/or PT. General Adjusterindo)
 Non Invalidation Clause
 Payment Account Clause
 Public Authorities Clause
 Removal of Debris Clause (10% of TSI, Nil Deductible)
 Reinstatement Value Clause
 Riots, Strikes, Malicious Damage and Civil Commotion Endorsement (RSMD
4.1B) Clause
 Selling Price Clause
 Service Clause
 Smoke and Vehicle Impact Endorsement (4.11)
 Self Combustion Clause
 Stock Declaration Clause
 Structural Alteration and Repair Clause
 Sue and Labour Clause
 Temporary Removal Clause
 Typhoon, Storm, Flood and Water Damage Clause (4.3)
 Vehicle Load Clause
 Workmens Clause

Rate : - FLEXAS : 1,002 %o

-TSFWD : 0,45 %0
-RSMDCC : 0,01 %o
-OTHERS : 0,01 %0
TOTAL : 1,472 %0
Share Offer : OPEN

RIC : 27,5 %

Remarks : -