Property All Risks Policy

PROPERTY ALL RISKS POLICY
POLICY NUMBER : 008.4050.201.2024.000154.00 RENEW

EX.NO POLIS :008.1050.201.2023.000062.01
POLICY WORDING : MUNICH RE
NAME OF INSURED : PT. BANK CENTRAL ASIA, Tbk. KCU BANDAR LAMPUNG
QQ. Mandiri Multi Megah, PT.
ADDRESS OF INSURED : Jln. Yos Sudarso No. 100, Bandar Lampung
PERIOD OF INSURANCE : 12 (Twelve) Months

From March 6, 2024 to March 6, 2025
(Both dates inclusive at 12 o'clock (noon) local time and any subsequent period
for which the Company shall have agreed to renew this policy)
RISK LOCATION : Jl. Sulawesi No. 55 Ganjar Asri, Metro Barat Kota Metro Provinsi Lampung
CONSTRUCTION CLASS : I
BUSINESS : GUDANG PRIBADI
COVERAGE : All risk on Physical Loss or damages to the Insured Property from any
cause including Civil Commotion and looting as per RSMD 4.1A + CC
except herein excluded by the policy conditions
INTEREST INSURED : SECTION 1 - MATERIAL DAMAGE

Stock of raw materials, stock in process of production and finished
products and all other stock of every type and description including
packaging and supporting materials contained within the premises and
belonging to the insured and/or held by them in trust or on commission
or on consignmen't or on display and stock sold but not delivered and for
which the lnsured is responsible whilst in and/or about the insured
premises
TOTAL SUM INSURED : SECTION 1 - MATERIAL DAMAGE

IDR 1,530,600,000.00
PT. ASURANSI WAHANA TATA CABANG BANDAR LAMPUNG 008.4050.201.2024.000154.00

JL. LAKSAMANA MALAHAYATI NO. 43 TLP NO. 0721-482853 FAX NO. 0721-481644 Page 1 / 25
DEDUCTIBLE : SECTION 1 - MATERIAL DAMAGE
- FLEXAS : 5.00 % of Claim Paid Minimum
0.10 % of Total Sum Insured
- RSMD 4.1A (RIOT STRIKE : 10.00 % of Claim Paid Minimum
MALICIOUS DAMAGE) IDR 10,000,000.00
- CC (CIVIL COMMOTION) : 10.00 % of Claim Paid Minimum
IDR 10,000,000.00
- TYPHOON, STORM, FLOOD, : 10.00 % of Claim Paid Minimum
WATER DAMAGE INUNDATION IDR 10,000,000.00
- OTHER COVERAGE : Minimum IDR 5,000,000.00
CONDITIONS, CLAUSES, AND WARRANTIES
- ALL OTHER CONTENTS

- ALTERATIONS CLAUSE
- BANKERS CLAUSE
- BIOLOGICAL OR CHEMICAL MATERIAL EXCLUSION CLAUSE NMA 2962
- CANCELLATION CLAUSE
- CAPITAL ADDITIONS CLAUSE
- CHANGE OF PRODUCT CLAUSE
- CIVIL AUTHORITIES CLAUSE
- COINSURANCE CLAUSE
- COMPLIANCE ENDORSEMENT
- CURRENCY CLAUSE
- DISPUTE CLAUSE - AAUI 2021 (Indonesia)
- EARTHQUAKE EXCLUSION CLAUSE
- ELECTRONIC DATE RECOGNITION EXCLUSION (EDRE) CLAUSE
- ELECTRONIC EQUIPMENT AND/OR DEVICE ENDORSEMENT
- ENDORSEMEN BANJIR, ANGIN TOPAN, BADAI DAN KERUSAKAN AKIBAT AIR ( KODE: 4.3 A )
- EXTRA CONTRACTUAL OBLIGATION EXCLUSION
- FIRE BRIGADES CHARGES
- FIRE EXTINGUISHING COSTS CLAUSE
- GENERAL INTEREST CLAUSE
- IMPACT BY OWN VEHICLES CLAUSE
- INDUSTRIES SEEPAGE, POLLUTION AND CONTAMINATION CLAUSE (NMA 1685)
- INFORMATION TECHNOLOGY HAZARDS CLARIFICATION CLAUSE NMA 2912
- INTERNAL REMOVAL CLAUSE
- IT CLARIFICATION AGREEMENT
- KLAUSUL PENGECUALIAN GANGGUAN USAHA
- LMA 5394 - COMMUNICABLE DISEASE EXCLUSION
- LOSS NOTIFICATION CLAUSE
- LOSS OF DAMAGED GOODS CLAUSE
- MICRO - ORGANISM EXCLUSION (ABSOLUTE) CLAUSE 2791
- MINOR ALTERATIONS AND REPAIRS CLAUSE
- MISDESCRIPTION CLAUSE
- NON AUTOMATIC RENEWAL CLAUSE
- NOTIFICATION CLAUSE
- NUCLEAR ENERGY RISK EXCLUSION

- NUCLEAR EXCLUSION SR 482
- OUTBUILDINGS CLAUSE
- PAYMENT OF PREMIUM WARRANTY
- POLITICAL RISKS EXCLUSION
- PROPERTY CYBER AND DATA EXCLUSION - LMA 5401 (AMENDED)
- PROPERTY DAMAGE CLARIFICATION CLAUSE
- PUBLIC AUTHORITIES CLAUSE
- RADIOACTIVE EXCLUSION CLAUSE
- REMOVAL OF DEBRIS CLAUSE
- RIOTS, STRIKES, MALICIOUS DAMAGE AND CIVIL COMMOTIONS ENDORSEMENT (Code : 4.1B/2007)
- SANCTION LIMITATION AND EXCLUSION CLAUSE
- SELLING PRICE CLAUSE
- SMOKE AND VEHICLE IMPACT ENDORSEMENT ( Code : 4.11 - 01/12/1998 ) - IAR/PAR
- TEMPORARY REMOVAL CLAUSE
- TERRORISM EXCLUSION ENDORSEMENT NMA 2920
- TOTAL ASBESTOS EXCLUSION CLAUSE
- TRANSMISSION AND DISTRIBUTION LINES EXCLUSION CLAUSE
- WAIVER CLAUSE
- WAR AND CIVIL WAR EXCLUSION CLAUSE (NMA 464)
- WELDING CLAUSE
- WORKMENS CLAUSE
- IMPLEMENTATION OF THE PRINCIPLE

USE OF DATA AND INFORMATION CLAUSE
DEDUCTIBLE:
- FLEXAS : 5% of Claim Paid, Min 0,1% of TSI
- RSMDCC : 10 % of Claim Paid ,Min Rp. 10,000,000,- a.o.a
- OTHER :Rp.5,000,000,- a.o.a
- TSFWD : 10 % of Claim Paid ,Min Rp. 10,000,000,- a.o.a
Leader : PT. ASURANSI WAHANA TATA (19.00 %)

Member : PT. ASURANSI BUANA INDEPENDENT (9.00 %)
Member : PT.ASURANSI CAKRAWALA PROTEKSI (9.00 %)
Member : PT. ASURANSI CENTRAL ASIA (9.00 %)
Member : PT. CHUBB GENERAL INSURANCE INDONESIA (9.00 %)
Member : PT. ASURANSI FPG INDONESIA (9.00 %)
Member : PT. ASURANSI MULTI ARTHA GUNA, Tbk (9.00 %)
Member : PT. ASURANSI SINAR MAS (9.00 %)
Member : PT. ASURANSI UMUM BCA (9.00 %)
Member : PT. Dayin Mitra (9.00 %)

BREAKDOWN OF RATE : SEE ATTACHMENT
PREMIUM CALCULATION : 1 YEAR
PREMIUM FOR SECTION 1

STOCK 100% : IDR 2,643,805.38
POLICY COST : IDR 19,000.00
STAMP DUTY : IDR 10,000.00
TOTAL : IDR 2,672,805.00
IN AMOUNT : Two Million Six Hundred Seventy-Two Thousand Eight Hundred Five Rupiah
NOTE :
INDEMNITY UNDER THIS POLICY IS ONLY GRANTED IF AT THE DATE OF ANY LOSS DESTRUCTION OR DAMAGE
PREMIUM DUE AT THAT DATE HAS BEEN PAID IN FULL.
In witness thereof the Undersigned being duly authorized by the Insurer

and on behalf of the Insurer has hereunto set his hand
Bandarlampung, This March Day Of 08, 2024
AUTHORIZED SIGNATURE

ATTACHING TO AND FORMING PART OF POLICY NO : 008.4050.201.2024.000154.00
DETAIL SUM INSURED SECTION 1 (MATERIAL DAMAGE)
RATE
INSURED DETAIL DESC. COVERAGE CUR TOTAL CUR PREMIUM
DESC SUM INSURED (%o)
Stock Stock Obat FLEXAS IDR 1,530,600,000.00 1.127 IDR 1,724,986

Nyamuk Bakar
Merk King Kong RSMD 4.1A (RIOT IDR 1,530,600,000.00 0.0501 IDR 76,683
STRIKE
MALICIOUS
DAMAGE)
CC (CIVIL IDR 1,530,600,000.00 0.0501 IDR 76,683
COMMOTION)
TYPHOON, IDR 1,530,600,000.00 0.45 IDR 688,770
STORM, FLOOD,
WATER DAMAGE
INUNDATION
OTHER IDR 1,530,600,000.00 0.0501 IDR 76,683
COVERAGE
TOTAL PREMIUM STOCK IDR 2,643,805.38

THESE CLAUSES ARE FORMING PART OF AND ATTACHED TO POLICY NUMBER:
008.4050.201.2024.000154.00
ALL OTHER CONTENTS
It is noted and agreed that this Policy extends to include :

a. Money and stamps not otherwise specifically insured for an amount not exceeding in the aggregate
Rp. 10,000,000.
b. Documents, manuscripts and business books but only for the value of the materials as stationary, together with
the cost of clerical labour expended in writing up, and not for the value to the insured of the information
contained therein and for an amount not exceeding in the aggregate Rp. 10,000,000.
c. Computer system records but only for the value of the materials together with the cost of clerical labour and
computer time expended in reproducing such records (excluding any expenses in connection with the production
of information to be recorded therein) and not for the value to the Insured of the information contained therein
for an amount not exceeding in the aggregate Rp. 10,000,000.
d. Paterns, moulds, models, plans and designs, for an amount not exceeding in the aggregate Rp. 10,000,000.
e. Employees pedal cycles, clothing, tools and other personal effects for an amount not exceeding Rp. 250,000 in
respect of any one employee.
ALTERATIONS CLAUSE
Notwithstanding anything contained in the printed conditions of the Policy to the contrary, it is noted and agreed that
this Insurance shall not be prejudiced in the event of any alterations being made to the property insured whereby the
risk of damage is increased, provided that notice of such alterations be given to the Insurer within sixty (60) days of
the commencement of such alterations and additional premium paid, if required from the date of such alterations.
BANKERS CLAUSE
It is noted and agreed that the property insured by this Policy has been mortgaged with Bank:
PT. Bank Central Asia, Tbk KCU Bandar Lampung
and that in consequence there of, it has been agreed with the said mortgagee and the Insured, that in
case of loss, if any, payable under this Policy any payment up to the amount to which the said mortgagee
is entitled for principal, interest accured and costs shall be made to the said mortgagee without prejudice
to the rights the Insured may have on the difference.
This clause to be null and void on receipt of advice from the said mortgagee that they are no longer
interest in the property insured under this Policy.
BIOLOGICAL OR CHEMICAL MATERIAL EXCLUSION CLAUSE NMA 2962
It is agreed that this Insurance excludes loss, damage, cost or expense of whatsoever nature directly or indirectly
caused by, resulting from or in connection whit the actual or threatened malicious use of pathogenic or poisonous
biological or chemical materials regardless of any other cause or event contributing concurrently or in any other
sequence thereto. (NMA 2962)
CANCELLATION CLAUSE
It is hereby declared and agreed that both the Insurer and the Insured are entitled to cancel this insurance at anytime
without given reason therefor, such cancellation shall however only become effective on the expiration of 60 (sixty)
days from midnight of the day on which notice of the cancellation is issued. If the Insurer cancels the insurance,
premium will be calculated on the short term rate for the completed period of Insurance

CAPITAL ADDITIONS CLAUSE
The insurance hereby extends to cover alterations, additions and improvements (but not appreciation in value) in
excees of the sum insured for buildings and machinery specified in the Policy for an amount not exceeding 10% of
the sums insured , it is being understood that the Insured undertakes to advise the Insurer each quarter of such
alterations, additions and improvements and to pay the appropriate additional premium thereon.
COMMENT Underwrites to guarantee reasonable amount.
CHANGE OF PRODUCT CLAUSE
If during the Policy Period there are alterations which affect the amount of premium, insurance benefits, or the
provisions of this product, We will submit a thirty (30) days prior written notice to your address kept in our
records to let you decide whether You agree or not to such alterations.
If within thirty (30) days after the written notice is received, We do not receive any response from You, therefore We
will assume that You have agreed with such alteration.
CIVIL AUTHORITIES CLAUSE

The insurance is extended to cover direct loss or damage to the described property caused by acts of destruction
executed by order of any Public Authority at the time of and only during a conflagration to retard the spread thereof,
and subject to all other terms and conditions of this Policy. This Insurer shall not be liable, however, for more than the
amount for which it would have been liable had the loss been caused by a peril insured against under this Policy.
COINSURANCE CLAUSE
1. Being a CO-INSURER of the under mentioned insurance companies, they shall, each for themselves and not one for
the other, severally and independently have the rights and assume the liabilities in proportion to their respective
shares as mentioned below.
2. PT ASURANSI WAHANA TATA as the representative of the CO-INSURER(S), called as Leader, shall attend to all
matters connected with this CO-INSURANCE but settlement of claims within the terms and condition of the policy and
premium collection are handled by each CO-INSURER independently.
3. Any agreement of decision which may be made between the assured and PT. ASURANSI WAHANA TATA in
connection with this CO-INSURANCE shall be final and binding upon all CO-INSURER(S).
4. Any notice which may be given by the Insured to PT. ASURANSI WAHANA TATA in writing or otherwise shall be
deemed as given to all other CO-INSURER(S) as well.
5. Names of CO-INSURER(S) and their respective shares are as shown
PT. ASURANSI WAHANA TATA (Leader : 19%) PT. ASURANSI BUANA INDEPENDENT (Member : 9%)

PT.ASURANSI CAKRAWALA PROTEKSI (Member : 9%) PT. Dayin Mitra (Member : 9%)
PT. ASURANSI CENTRAL ASIA (Member : 9.00 %) PT. ASURANSI FPG INDONESIA (Member : 9%)
PT. ASURANSI MULTI ARTHA GUNA, Tbk (Member : 9%) PT. ASURANSI SINAR MAS (Member : 9%)
PT. ASURANSI UMUM BCA (Member :9%) PT. CHUBB GENERAL INSURANCE INDONESIA (Member : 9%)
COMPLIANCE ENDORSEMENT
This policy has complied with prevailing laws and regulations including regulations of Financial Service Authority.
CURRENCY CLAUSE
It is hereby understood and agreed that in case a claimable loss hereunder, if any, is denominated in currency other
than the currency stated in the Policy Schedule, then the conversion rate shall be the middle rate for bank notes
published by the Bank Indonesia on the date of agreement between the Insurer and Insured as to the amount of loss.
DISPUTE CLAUSE - AAUI 2021 (Indonesia)
KLAUSUL PERSELISIHAN
1. Dalam hal timbul perselisihan antara Penanggung dan Tertanggung sebagai akibat dari penafsiran atas tanggung

jawab atau besarnya ganti rugi dari Polis ini, maka perselisihan tersebut akan diselesaikan melalui forum perdamaian
atau musyawarah oleh unit internal Penanggung yang menangani Pelayanan dan Penyelesaian Pengaduan bagi
Konsumen. Perselisihan timbul sejak Tertanggung menyatakan secara tertulis ketidaksepakatan atas hal yang
diperselisihkan. Penyelesaian perselisihan melalui perdamaian atau musyawarah dilakukan dalam waktu paling lama
60 (enam puluh) hari kalender sejak timbulnya perselisihan.
2. Apabila penyelesaian perselisihan melalui perdamaian atau musyawarah sebagaimana diatur pada ayat 1 tidak
mencapai kesepakatan, maka ketidaksepakatan tersebut harus dinyatakan secara tertulis oleh Penanggung dan
Tertanggung. Selanjutnya Tertanggung dapat memilih penyelesaian sengketa di luar pengadilan atau melalui
pengadilan dengan memilih salah satu klausul penyelesaian sengketa sebagaimana diatur di bawah ini.
A. LEMBAGA ALTERNATIF PENYELESAIAN SENGKETA SEKTOR JASA KEUANGAN

Dengan ini dinyatakan dan disepakati bahwa Tertanggung dan Penanggung akan melakukan penyelesaian sengketa
melalui
Lembaga Alternatif Penyelesaian Sengketa Sektor Jasa Keuangan dibawah Ototritas Jasa Keuangan
B. PENGADILAN
Dengan ini dinyatakan dan disepakati bahwa Tertanggung dan Penanggung akan melakukan penyelesaian sengketa
melalui Pengadilan Negeri di wilayah Republik Indonesia
EARTHQUAKE EXCLUSION CLAUSE

It is hereby noted and agreed that this insurance shall not in any case to cover Earthquake, Fire following Earthquake,
Volcanic Eruption and Tsunami.
ELECTRONIC DATE RECOGNITION EXCLUSION (EDRE) CLAUSE
This Policy does not cover any loss, damage, cost, claim or expense, whether preventative, remedial or otherwise,
directly or indirectly arising out of or relating to:
a) the calculation, comparison, differentiation, sequencing or processing of data involving the date change to
the year 2000, or any other date change, including leap year calculations by any computer system, hardware
programme or software and/or any microchip, integrated circuit or similar device in computer equipment or
non computer equipment, whether the property of the insured or not; or
b) any change, alteration, or modification involving the date change to the year 2000, or any other date
change, including leap year calculations to any such computer system, hardware programme or software
and/or any microchip, integrated circuit or similar device in computer equipment or non computer equipment
whether the property of the insured or not.
This clause applies regardless of any other cause or event that contributes concurrently or in any sequence to
the loss, damage, cost, claim or expense.
EDRE NMA 2802 (17/12/1997)

Form approved by Lloyds Underwriters Non Marine Association Limited.
ELECTRONIC EQUIPMENT AND/OR DEVICE ENDORSEMENT

This Policy does not insure against any loss, damage, cost, claim or expense, directly or indirectly, proximately or
remotely, whether in whole in part caused by, resulting from, contributed to, aggravated by or consisting of any
malfunction, derangement or inability of:
a. The failure of any Electronic Equipment and/or Device to recognise, interpret, calculate, compare, differentiate,
sequence or process data consisting of dependent on or deduced from one or more dates or time or,
b. Any change , repair, alteration, correction or modification of any part or parts of any Electronic Equipment and/or
Device to correct or prevent any anticipated or actual condition or circumstances stated in (a.) above
Electronic Equipment and/or Device includes but is not limited to computers, computer equipment, coding, programs,
instructions or any software stored on electronic, electromechanical, electromagnetic data processing or electronically

controlled equipment and media :
1. Computer hardware, including microprocessors;
2. Computer application software;
3. Computer operating systems and related software;
4. Computer networks;
5. Microprocessors (computer chips) not part of any computer system;
6. Any other computerized or electronic equipment or components;
Whether the property of the Insured or not
ENDORSEMEN BANJIR, ANGIN TOPAN, BADAI DAN KERUSAKAN AKIBAT AIR ( KODE: 4.3 A )
Dengan ini disetujui dan dinyatakan bahwa tanpa menyimpang dari ketentuan polis dan dengan syarat penambahan
premi, jaminan untuk banjir, Angin Topan dan/atau Badai dan Kerusakan Akibat Air, Penanggung menyetujui
memperluas pertanggungan ini sebagaimana diatur dalam Endorsemen ini.
1) Perluas Jaminan
a) Pertanggungan ini diperluas untuk menjamin kerusakan pada atau kemusnahan dari harta benda yang
dipertanggungkan sebagai akibat satu atau lebih dari risiko risiko berikut :
i) Banjir
ii) Angin Topan dan/atau Badai
iii) Kerusakan Akibat Air
b) Ganti rugi yang dibayarkan termasuk biaya-biaya yang diperlukan untuk pembersihan obyek pertanggungan atau
pemindahan puing-puing dari dalam gedung sebagai akibat dari perluasan jaminan tersebut di atas.
2) Pengecualian
Perluasan ini tidak menjamin kerusakan atau kerugian terhadap:
a) Persediaan barang-barang dagangan dan/atau barang-barang bergerak lainnya yang disimpan ditempat terbuka.
b) Harta benda dan/atau kepentingan yang dipertanggungkan yang secara langsung atau tidak langsung disebabkan
oleh:
i) Erosi, Tanah Runtuh, Tanah longsor, Letusan Gunung Berapi, Gempa Bumi atau Tsunami.
ii) Perembesan air.
iii) Air yang keluar dari sprinkler, drencher atau instalasi hydrant yang terdapat didalam gedung/obyek
pertanggungan.
c) Gangguan usaha atau segala macam kerugian dalam wujud atau bentuk apapun yang sifatnya konsekuensial
sebagai akibat tidak langsung dari risiko-risiko tersebut diatas.
3) Syarat Khusus
Dengan ancaman batalnya pertanggungan dibawah endorsemen ini, Tertanggung harus mengambil tindakan-tindakan
selayaknya untuk memelihara gedung, atap, talang, tangki-tangki air, pipa-pipa, saluran-saluran air, pompa-pompa
pembuangan air dan peralatan air lainnyadengan sebaik-baiknya.
4) Klausula 72 Jam
a) Setiap peristiwa kerugian yang disebabkan oleh bahaya yang dipertanggungkan dianggap sebagai satu kejadian
dengan catatan bahwa bilamana lebih dari satu peristiwa terjadi dalam waktu 72 (tujuh puluh dua) jam, peristiwa-
peristiwa tersebut dianggap sebagai 1 (satu) kejadian dalam polis ini.
b) Penanggung tidak bertanggung jawab terhadap segala kerugian yang disebabkan oleh bahaya yang
dipertanggungkan yang terjadi sebelum berlakunya polis ini, atau segala kerugian yang terjadi setelah berakhirnya
jangka waktu polis.

5) Potongan Klaim atau Risiko Sendiri
Atas setiap klaim yang dijamin menurut ketentuan Endorsemen ini, Tertanggung akan memikul potongan klaim atau
risiko sendiri seperti yang tercantum dalam Ikhtisar Pertanggungan.
6) Definisi
Untuk kepentingan endorsemen perluasan ini, istilah yang dicetak miring didefinisikan sebagai berikut :
a) Banjir adalah genangan air yang bersifat sementara pada daerah yang seharusnya tidak tergenang air disebabkan
oleh melimpahnya air sungai, kali, kanal, saluran irigasi, drainase, danau, waduk, atau laut termasuk akibat langsung
dari hujan.
b) Angin Topan adalah pergerakan udara dengan kecepatan minimum 30 (tiga puluh) knot.
c) Badai adalah fenomena cuaca yang diakibatkan oleh aktifitas atmosfir yang melanda daerah yang cukup luas
dengan tiupan angin kencang berkecepatan 30 (tiga puluh) knot yang kadang-kadang disertai hujan yang lebat,
guntur dan/atau sambaran petir.
d) Kerusakan Akibat Air adalah kerusakan terhadap harta benda yang dipertanggungkan yang disebabkan oleh air dari
luar yang masuk ke dalam bangunan/obyek pertanggungan yang terjadi secara tiba-tiba dan tidak terduga.
Tidak termasuk dalam pengertian ini, kerusakan akibat air yang masuk kedalam bangunan/obyek pertanggungan
melalui celah atau bukaan normal pada dinding atau atap bangunan atau akibat Perembesan Air.
e) Erosi adalah terkikisnya permukaan dan/atau dinding tanah akibat arus atau aliran air.
f) Tanah Runtuh adalah turunnya permukaan tanah akibat tekanan atau beban dipermukaan tanah atau hilangnya
penyangga pada lapisan dibawah permukaan tanah.
g) Tanah Longsor adalah bergesernya permukaan tanah dari permukaan yang lebih tinggi ke yang lebih rendah yang
terjadi secara tiba-tiba.
h) Letusan Gunung Berapi adalah keluarnya larutan atau batu panas atau uap, gas atau cairan dari lubang atau
lubang-lubang ditanah.
i) Gempa Bumi adalah goncangan atau getaran bumi akibat gejala geologi seperti pergerakan tektonik dan Letusan
Gunung Berapi.
j) Tsunami adalah gelombang besar akibat pergeseran tanah dibawah laut seperti penyusupan lempengan kerak bumi
atau oleh Letusan Gunung Berapi.
k) Perembesan Air adalah air yang masuk secara perlahan kedalam gedung melalui pori-pori/retakan dinding, tanah
atau lantai.
(Kata-kata dalam klausula ini adalah terjemahan dari versi asli dalam Bahasa Indonesia; dalam hal terjadi
perselisihan yang timbul dari penafsiran makna apapun di sini, syarat dan ketentuan akan ditafsirkan sesuai dengan
versi Bahasa Indonesia asli).
ENDORSEMENT FLOOD, WINDSTORM, TEMPEST AND WATER DAMAGE (CODE: 4.3 A)
It is hereby agreed and declared that notwithstanding anything contained in this Policy to the contraryand subject to
payment of additional premium, that the coverage for flood, windstorm, tempest and water damage shall refer to the
wording as provided in this Endorsement
1) Extensions
a) This insurance is extended to cover loss of or damage to the property insured caused by one or more of the
following perils:

i) Flood
ii) Windstorm and/or Tempest
iii) Water Damage
b) Claim payable includes costs and/or expenses necessarily incurred for cleaning the subject matter insured or
removal of debris from the building as a consequence of this extension.
2) Exclusions This extension does not cover loss of or damage to:
a) Stock and/or other movable items stored in the open.
b) Property and/or interest insured directly or indirectly caused by:
i) Erosion, Subsidence, Landslide, Volcanic Eruption, Earthquake or Tsunami

ii) Seepage
iii) Water discharged from sprinklers, drenchers or hydrant installations in the building / insured premises
c) Business Interruption or any kind of consequential loss
3) Special Condition
Under penalty of nullity of the insurance under this Endorsement, the Insured shall take all reasonable steps to
maintain the building, roof, roofguttering, water tanks, pipes, drains, sump pumps and other water apparatus in a
good state of repair.
4). 72 Hours Clause

a). Each loss by any insured perils shall constitute a single claim hereunder, provided that if more than one event shall
occur within a period of 72 (seventy two) hours during the term of this Policy, such event shall be deemed to be a
single event within the meaning hereof.
b). The Insurer shall not be liable for any loss caused by any insured perils occurring before the effective date and
time of this Policy, nor for any loss occurring after the expiry date and time of this Policy.
5). Deductible
The Insured shall bear the deductible as stated in the Policy Schedule for each and every claimpayable under this
Endorsement.
6). Definition
For the purpose of this Endorsement, the terms printed in italic shall be defined as follows:
a) Flood is a temporary inundation of normally dry land due to overflow of water beyond the normal boundaries of
rivers, streams, canals, irrigation systems, drainages, lakes, dams, or sea including direct consequence of rain.
b) Windstorm is movement of air at a minimum velocity of 30 (thirty) knots.
c) Tempest is a weather phenomenon caused by the activities of the atmosphere that affects to considerably wide
area of land with movement of air at a minimum velocity of 30 (thirty) knots which may be accompanied by heavy
rain, thunder and/or lightning.
d) Water Damage is a damage to the property insured caused by water entering into the building/ subject matter
insured from outside which is sudden and unforeseen. This definition excludes damage caused by water entering into
the building/subject matter insured through gaps or normal openings on walls or roofs of the buildings or caused by
Seepage.
e) Erosion is the removal of the surface and/or wall of the soil caused by movement or flow of water
f) Subsidence is the fall in surface of land caused by the pressure or load on the surface or weakening of support of
the lower layer of the land.

g) Landslide is the movement of land surface from a higher to a lower level which occurs suddenly.
h) Volcanic Eruption is the issuance of molten or hot rock or steam, gas or liquid from a vent or vents in the earth's
crush
i) Earthquake is a shaking or trembling of the earth due to geological phenomena such as tectonic movement and
volcanic eruptions.
j) Tsunami is a great sea wave produced by submarine earth movement such as subduction of crustal plates or by
submarine volcanic eruption.
k) Seepage is water entering the building gradually through pores / cracks in walls, grounds or floors.
All other terms and conditions of the Policy remain unchanged.
(This wording is a translation of the original version in Bahasa Indonesia; in the event of any dispute arising from the
interpretation of any meaning herein, the terms and conditions shall be interpreted according to the original Bahasa
Indonesia version).
EXTRA CONTRACTUAL OBLIGATION EXCLUSION
All cover in respect of extra-contractual obligations howsoever arising, such extra contractual obligations being
defined as any award made by a court of competent jurisdiction against an insurer, which award is not within the
coverage granted by any insurance contract made between the parties in dispute, unless such extra-contractual
obligation is incurred as a result of the Insured's participation in any insurance which provides cover for such
obligation, it being understood and agreed that such loss results from a contractual liability incurred by the Insured.
FIRE BRIGADES CHARGES
It is hereby understood and agreed that the reasonable charges raised by any local authority for the provision of Fire
Fighting Appliances called for the purpose of protecting the premises shall be recoverable hereunder.
Limit Rp. 10.000.000,- in the aggregate
FIRE EXTINGUISHING COSTS CLAUSE
The insurance by this policy extends to cover loss of or damage to the fire extinguishing appliances caused by the
insured perils. This extension is deemed to include the cost reasonably incurred of refilling the fire extinguishing
appliances providing always that such cost is incurred as a direct result of the use of the fire extinguishing
appliances for the extinguishment of fire endangering the safety of the insured property. The Company will not be
liable for the first Rp. 1.000.000,00 for each and every loss in respect of the costs of refills.
Provided always that the liability of the Company in respect of such wages and costs shall be limited to those
necessarily and reasonably incurred in extinguishing fires at or adjoining the situation of the property insured by
this policy or immediately threatening to involve such property.
Provided further that otherwise the insurance under this endorsement and the policy shall be subject to all the
terms, limitations, stipulations, exclusions, provisos and exceptions printed on, expressed in, endorsed upon or
attached to the policy and provided also that all of the conditions of the policy (except in so far as they may be
hereby varied) shall apply as if they had been incorporated herein.
Limit Rp. 10.000.000,- in the aggregate
GENERAL INTEREST CLAUSE
Certain of the Property insured may be the subject of hire purchase lease or other agreements and the interest of the
other parties to these arrangements is noted in this insurance, the nature and extent of such interest to be disclosed
by the Insured in the event of damage.

IMPACT BY OWN VEHICLES CLAUSE
It is noted and agreed that the cover relating to impact of vehicles shall include vehicles owned or used by the
Insured.
INDUSTRIES SEEPAGE, POLLUTION AND CONTAMINATION CLAUSE (NMA 1685)
" This Agreement does not cover any liability for :
1. Personal Injury or Bodily Injury or loss of , damage to, or loss of use of property directly caused by seepage,
pollution or contamination, provided always that this paragraph (1) shall not apply to liability for Personal Injury or
loss of or physical damage to or destruction of tangible property, or loss of use of such property damage or destroyed,
where such seepage, pollution or contamination is caused by a sudden, unintended and unexpected happening during
the period of this Insurance
2. The cost of removing, nullifying or cleaning-up seeping, polluting and contaminating substances unless the
seepage, pollution or contamination is caused by sudden, unintended and unexpected happening during the period of
this Insurance.
3. Fines, penalties, punitive or exemplary damages.
This clause shall not extended this agreement to cover any liability which would not have been cover under this
Agreement had this clause not been attached.
"
INFORMATION TECHNOLOGY HAZARDS CLARIFICATION CLAUSE NMA 2912

Losses arising, directly or indirectly, out of:
(i) loss of, alteration or damage to, or
(ii) a reduction in the functionality, availability or operation of
a computer system, hardware, programme, software, data, information repository, microchip, integrated circuit or
similar devise in computer equipment or non-computer equipment, whether the property of the policy holder of the
reinsured or not, do not in and of themselves constitute an event unless arising out of one or more of the following
perils:
fire, lightning, explosion, aircraft or vehicle impact, falling objects, windstorm, hail, tornado, cyclone, hurricane,
earthquake, volcano, tsunami, flood, freeze, or weight of snow.
INTERNAL REMOVAL CLAUSE
It is understood and agreed that in the event of removal of property from one building to another at any of the
situation covered by this Policy being inadvertently not advised to the Insurer, the insurance on such property shall
follow removal, the necessary adjustments in Sum Insured and premium being made as from the date of removal as
soon as the oversights is discovered. Provided however that the liability of the Insurer shall not exceed the Sum
Insured hereunder.
IT CLARIFICATION AGREEMENT
"Property damage covered under this Agreement shall mean physical damage to the substance of property.
Physical damage to the substance of property shall not include damage to data or software, in particular any
detrimental change in data, software or computer programs that is caused by a deletion, a corruption or
deformation of the original structure.
Consequently the following are excluded from this Agreement :
A. Loss of or damage to data or software, in particular any detrimental change in data, software or computer
programs that is caused by a deletion, a corruption or deformation of the original structure, and any
business interruption losses resulting from such loss or damage. Notwithstanding this exclusion, loss of or
damage to data of software which is the direct consequence of insured physical damage to the substance of
property shall be covered.
B. Loss or damage resulting from an impairment in the function, availability, range of use or accessibility of

data, software"
KLAUSUL PENGECUALIAN GANGGUAN USAHA

Polis ini tidak menjamin kerugian yang diakibatkan oleh adanya gangguan usaha
LMA 5394 - COMMUNICABLE DISEASE EXCLUSION

1. Notwithstanding any provision to the contrary within this insurance agreement, this insurance agreement excludes
any loss, damage, liability, claim or expense of whatsoever nature, directly or indirectly caused by, contributed to by,
resulting from, arising out of, or in connection with a Communicable Disease or the fear or threat (whether actual or
perceived) of a Communicable Disease regardless of any other cause or event contributing concurrently or in any
other sequence thereto.
2. As used herein, a Communicable Disease means any disease which can be transmitted by means of any substance
or agent from any organism to another organism here:
2.1. the substance or agent includes, but is not limited to, a virus, bacterium, parasite or other organism or any
variation thereof, whether deemed living or not, and
2.2. the method of transmission, whether direct or indirect, includes but is not limited to, airborne transmission,
bodily fluid transmission, transmission from or to any surface or object, solid, liquid or gas or between organisms, and
2.3. the disease, substance or agent can cause or threaten damage to human health or human welfare or can cause
or threaten damage to, deterioration of, loss of value of, marketability of or loss of use of property.
LOSS NOTIFICATION CLAUSE
Notwithstanding anything contained herein to the contrary it is agreed that this insurance will not be prejudiced by
any inadvertent delays, errors or omissions in notifying the Company of any circumstances or events giving rise or
likely to give rise to a claim under this Policy. Provided the claim is received not later than 30 (thirty) days from date
of loss
LOSS OF DAMAGED GOODS CLAUSE
In case of damage to property bearing brands labels and trademarks the sale of which carries in any way a guarantee
of the Insured, the salvage value of such damaged property shall be determined after the removal in the customary
manner of all brands labels and trade marks which might be taken to Indicate that the guarantee of the Manufacturer
or the Insured attached to said property. However notwithstanding anything to the contrary elsewhere herein, it is
understood and agreed that in case of damage to goods insured under this Policy due to a peril insured against, the
Insured or their representatives are to retain control of all damaged goods. The Insured, however agreed wherever
practicable to recondition or sell such goods, the sale being made after removal of all brands labels or trademarks,
with the Insurer being entitled to the proceeds of the sale. Where the use or disposal or sale of damage goods would
be in the opinion of the Insured or their representatives detrimental to their interest such damage shall be treated as
a constructive total loss and the Insured shall destroy the damaged goods in the presence of a representative of the
Insurer and the Insured.
MICRO - ORGANISM EXCLUSION (ABSOLUTE) CLAUSE 2791
This policy does not insure any loss, damage, claim, cost, expense or other sum directly or indirectly arising out of or
relating to:
Mold, mildew, fungus, spores or other microorganisms of any type, nature, or description, including but not limited to
any substance whose presence poses an actual or potential threat to human health.
This exclusion applies regardless where there is
a. any physical loss or damage to insured property;
b. any insured peril or cause, whether or not contributing concurrently or in any sequence;
c. any loss or use, occupancy or functionality or
d. any action required including but not limited to repair, replacement, removal, cleanup, abatement, disposal,
relocation, or steps taken to address medical or legal concerns.
This exclusion replaces and supersedes any provision in the Policy that provides insurance, in whole or in part for this
matters.

MINOR ALTERATIONS AND REPAIRS CLAUSE
Minor alterations, additions and repairs to building, plant fixtures and fittings, and machinery (exclusive of any
Sprinkler Installations) and minor works in progress are allowed and the insurance by this Policy shall not be
prejudiced by this.
MISDESCRIPTION CLAUSE
It is understood that this insurance shall not be prejudiced by any alteration or misdescription of occupancy provided
the Insured shall notify the company immediately they become aware of the same and to pay additional premium if
required from the date of the inception of the increased hazard.
NON AUTOMATIC RENEWAL CLAUSE
NON AUTOMATIC RENEWAL CLAUSE (KLAUSULA PERPANJANGAN TIDAK OTOMATIS)
Disetujui dan dipahami bahwa meskipun terdapat hal-hal yang termuat dalam butir 13 dari ketentuan umum Polis ini,
jangka waktu Polis Asuransi ini tidak akan diperpanjang secara otomatis. Pada saat berakhirnya Polis sesuai tanggal
yang tercantum dalam Ikhtisar, Polis ini akan berakhir dan Penanggung tidak memiliki kewajiban lebih lanjut kepada
Tertanggung kecuali ada permintaan dari Tertanggung dan disertai persetujuan tertulis dari Penanggung
NOTIFICATION CLAUSE
It is hereby noted and agreed that the present situation, manner of connection, consstruction, nature and interior of
the buildings and also the trade carried on therein, is known to us.
NUCLEAR ENERGY RISK EXCLUSION
This policy does not apply to liability arising directly or indirectly out of, caused by or in connection with:
1. Injury, sickness, disease, death or destruction resulting from hazardous properties of nuclear material, if,
a. the nuclear material (i) is at any nuclear facility owned by or operated by or on behalf of an insured outside the
United States, its territories or possessions, Puerto Rico or (ii) has been discharged or dispersed therefrom.
b. such nuclear material is contained in spent fuel or waste at any time possessed, handled, used, processed, stored,
transported or disposed by or on behalf of an insured outside the United states, its territories or possessions, Puerto
Rico or
c. the injury arises out of the furnishing by an insured of services, materials, parts or equipment, in connection with
the planning, construction, maintenance, operation of use of a nuclear facility, but if such facility is located outside the
United States of America, its territories or possession, this clause 3 (C) applies only to injury to or destruction of
property at such nuclear facility
2. As used in this Exclusion

a. "hazardous properties" include radioactive, toxic or explosive properties; "nuclear material" means source material,
special nuclear material or by-product material; "source material", "special nuclear material", and by-product
material" have the meanings given them by the Atomic Energy Act of 1954 or in law amendatory thereof; "spent fuel"
means any fuel element or fuel component, solid, liquid which has been used or exposed to radiation in a nuclear
reactor; "waste" means any waste material (i) containing by-product materials and (ii) resulting from the operation by
a person or organization of a nuclear facility included within the definition of nuclear facility under clauses (B) (i) or
(B) (ii) below;
b. "nuclear facility" means
(i) any nuclear reactor;
(ii) any equipment or device designed or used for (x) separating the isotopes of uranium or plutonium, (y) processing
or utilizing spent fuel, or (z) handling, processing or packaging waste;
(iii) any equipment or device used for the processing, fabrication or alloying of special nuclear material if at any time
the total amount of such material in the total amount of such material in the custody of the insured at such premises
where such equipment or device is located consist of or contains more than 25 grams of plutonium or uranium 233 or
combination thereof or more than 250 grams of uranium 235;
(iv) any structure, basin, excavation, premises or place prepared for storage or disposal of waste
c. " Nuclear facility" includes the site on which any of the foregoing is located, all operations conducted on such site
and all premises used for such operations

d. "Nuclear reactor" means any apparatus designed to be used to sustain nuclear fission in a self-supporting chain
reaction or to contain critical mass of fissionable material
e. With respect to injury or destruction of property, the word "injury" or "destruction" includes all forms of radioactive
contamination of property or loss of the use thereof
NUCLEAR EXCLUSION SR 482

In no case shall this insurance cover loss damage liability or expence arising from any weapon of war employing
atomic or nuclear fission and/or other like reaction or radioactive force or matter.
OUTBUILDINGS CLAUSE
The insurance by each item under buildings is understood to include walls, gates and fence, small outside buildings,
extensions, annexes, exterior staircase, fuel installations, steel or iron framework and tanks in the said premises and
the insurance by each item under contents extends to contents of each outbuilding, provided their values are included
in the sum insured.
PAYMENT OF PREMIUM WARRANTY

1. Notwithstanding the provisions of Article 257 of the Commercial Code (Kitab Undang-Undang Hukum
Dagang) and notwithstanding anything herein contained to the contrary, and subject only and without
prejudice to clause 2 hereinafter set out, it is hereby declared and agreed that it is a condition
precedent to liability under this Policy, any Renewal Certificate, Endorsement or Cover Note that any
premium due must be paid and actually received in full by the company:
a. When the period of insurance is 30 days or more, within thirty (30) days from the inception date of
coverage under the Policy, Renewal Certificate, Endorsement or Cover Note.
b. When the period of insurance is LESS than thirty (30) days, within the period of insurance specified
in the Policy, Endorsement, Renewal Certificate or Cover Note.
2. In the event any of the above mentioned premium is not paid in full to and received by the company, as
described above in the manner and within the time stipulated above (the 'premium warranty period'), the
cover under this policy, any Renewal Certificate, Endorsement of Cover Note shall be deemed to have
terminated from the expiry of the premium warranty period and the company shall be discharged from all
liability therefrom but without prejudice to any liability incurred before that date and the company will be
entitled to a pro-rata time on risk premium subject to a minimum of Rp. 50.000,00.
POLITICAL RISKS EXCLUSION
This policy excludes confiscation, expropriation, nationalization, commandeering, requisition

or destruction of or damage to property by order of the government de jure or de facto or
any public, municipal or local authority of the country or area in which the property is
situated; seizure or destruction under quarantine or customs regulation.
PROPERTY CYBER AND DATA EXCLUSION - LMA 5401 (AMENDED)
1. Notwithstanding any provision to the contrary within this Policy or any endorsement thereto this Policy excludes
any:
1.1. Cyber Loss;
1.2. any loss of, alteration of, or damage to or a reduction in the functionality, availability or operation of a Computer
System, unless subject to the provisions of paragraph 2;
1.3. loss, damage, liability, claim, cost, expense of whatsoever nature directly or indirectly caused by, contributed to
by, resulting from, arising out of or in connection with any loss of use, reduction in functionality, repair, replacement,
restoration or reproduction of any Data, including any amount pertaining to the value of such Data;
regardless of any other cause or event contributing concurrently or in any other sequence thereto.
2. Subject to the other term, conditions and exclusions contained in the policy this endorsement will cover physical
damage to property insured under the policy.

3. And any time Element Loss directly resulting there from where such physical damage is directly occasioned by any
of the following perils:
Theft, fire , lightning, explosion, aircraft or vehicle impact , falling objects, windstorm, hail, tornado, cyclone,
hurricane, earthquake.
4. In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain
in full force and effect.
5. This endorsement supersedes and, if in conflict with any other wording in the Policy or any endorsement thereto
having a bearing on Cyber Loss or Data, replaces that wording.
Definitions
6. Cyber Loss means any loss, damage, liability, claim, cost or expense of whatsoever nature directly or indirectly
caused by, contributed to by, resulting from, arising out of or in connection with any Cyber Act or Cyber Incident
including, but not limited to, any action taken in controlling, preventing, suppressing or remediating any Cyber Act or
Cyber Incident.
7. Cyber Act means an unauthorised, malicious or criminal act or series of related unauthorised, malicious or criminal
acts, regardless of time and place, or the threat or hoax thereof involving access to, processing of, use of or operation
of any Computer System.
8. Cyber Incident means:
6.1. any error or omission or series of related errors or omissions involving access to, processing of, use of or
operation of any Computer System; or
6.2. any partial or total unavailability or failure or series of related partial or total unavailability or failures to access,
process, use or operate any Computer System.
9. System means:
any computer, hardware, software, communications system, electronic device (including, but not limited to, smart
phone, laptop, tablet, wearable device), server, cloud or microcontroller including any similar system or any
configuration of the aforementioned and including any associated input, output, data storage device, networking
equipment or back up facility, owned or operated by the Insured or any other party.
10. Data means information, facts, concepts, code or any other information of any kind that is recorded or transmitted
in a form to be used, accessed, processed, transmitted or stored by a Computer System.
11. Time Element Loss means business interruption, contingent business interruption, or any other consequential loss.
PROPERTY DAMAGE CLARIFICATION CLAUSE

It is hereby agreed that the property damage covered under this insurance shall mean physical damage to the
substance of property, which is not include damage to the data or software, in particular any detrimental change in
data, software or computer programs that caused by a deletion, a corruption or deformation of the original structure.
Consequently, the following are excluded from this insurance :
1. Loss or damage to data or software, in particular any detrimental change in data, software or computer programs
that caused by a deletion, a corruption or deformation of the original structure and any business interruption losses
resulting from such loss or damage. Notwithstanding this exclusion, loss of or damage to data or software which is the
direct consequence of insured physical damage to the substance of property shall be covered.
2. Loss or damage resulting from an impairment in the function, availability, range of use or accessibility of data,
software or computer programs and any business interruption losses resulting from such loss or damage.
substansi harta benda yang diasuransikan akan dijamin.

2. Kerugian atau kerusakan yang timbul dari pelemahan fungsi, ketersediaan, luas penggunaan atau kemudahan
untuk memperoleh data, perangkat lunak atau program computer dan setiap gangguan usaha yang timbul dari
kerugian atau kerusakan tersebut.
PUBLIC AUTHORITIES CLAUSE

The Insurance by this Policy extends to include such additional cost of reinstatement of the destroyed or damage
property thereby insured as may be incurred solely by reason of the necessity to comply with Building or other
Regulations under or framed in pursuance of any Government Act or Bye-Law of any Municipal or Local Authority
provided that:
1. The amount recoverable under this Extension shall not include:
a. The cost incurred in complying with any of the aforesaid Regulations or Bye-Laws.
i. In respect of destruction or damage occurring prior to the granting of this Extension.
ii. In respect of destruction or damage not insured by the Policy.
iii. Under which notice has been served upon the insured prior to the happening of the destruction or
damage
iv. In respect of undamaged property or damage portions of property.
b. The additional cost that would have been required to make good the property damaged or destroyed to a
condition equal to its condition when new had the necessity to comply with any of the aforesaid Regulations
or Bye-Laws not arisen.
c. The amount of any rate, tax, duty, development or other charge or assessment, arising out of capital
appreciation which may be payable in respect of the property or by the owner there of by reason of
compliance with any of the aforesaid Regulations or Bye-Laws.
2. The work of reinstatement must be commenced and carried out within reasonable dispatch and in any case must
be completed within twelve monts after the destruction or damage or within such further time as the insurer
may (during the said twelve months) in writing allow and may be carried out wholly or partially upon another
site (if the aforesaid Regulations or Bye-Laws so necessitate) subject to the liability of the Insurer under this
Extention not being thereby Increased.
3. If the liability of the Insurer under (any item of) the Policy apart from this Extention shall be reduced by the
application of any the terms and conditions of the Policy then the Liability of the Insurer under this Extention (in
respect of any such item) shall be reduced in proportion.
4. The total amount recoverable under any item of the Policy shall not exceed the sum insured thereby.
5. All the conditions of the Policy except insofar as they may be hereby expressly varied shall apply as if they had
been incorporated herein.
RADIOACTIVE EXCLUSION CLAUSE

This Insurance does not cover loss, damage, cost or expense of whatsoever nature directly or indirectly caused by,
resulting from or in connection with any of the following regardless of any other cause or event contributing
concurrently or in any other sequence to the loss:
1. ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from
the combustion of nuclear fuel.
2. the radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor
or other nuclear assembly or nuclear component thereof.
3. any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or
matter.

REMOVAL OF DEBRIS CLAUSE
It is hereby declared and agreed that this Policy extends to cover costs and expenses necessarily incurred by the
Insured in the removal of debris dismantling or demolishing shoring up or propping of the portions or portion of the
property insured by this Policy destroyed or damaged by fire or by any other perils hereby insured against, it being
understood that the total liability for claims in respect of material damage due to an insured peril and costs of removal
of debris shall not exceed in the aggregate 100% of the total sum insured in respect of the property insured and
affected by the fire and that in any case the total costs of removal of debris shall not exceed 10% of such total sum
insured.
RIOTS, STRIKES, MALICIOUS DAMAGE AND CIVIL COMMOTIONS ENDORSEMENT (Code : 4.1B/2007)
This Endorsement is attached to and forms an integral part of :
Policy Number :
Insured's Name :
It is hereby agreed and declared that :
a) notwithstanding anything contained in item 1 of the General Exclusions of this Policy to the contrary and
unless otherwise excluded in Item 2. Exclusions of this Endorsement and subject to payment of
additional premium, the Insurer agrees to extend this insurance as provided in this Endorsement.
b) notwithstanding anything which may be defined in any laws or regulations to the contrary, for the
purpose of this Endorsement, all terminology printed in italics shall be deemed to mean as defined in
the DEFINITIONS of this Endorsement.
1. EXTENTIONS
This insurance is extended to cover :

- Physical damage to the property and/or interest Insured directly caused by one or more of the following
perils :
1.1. Riots
1.2. Strikes
1.3. Locked-out Workers
1.4. Malicious Acts
1.5. Civil Commotions
1.6. Preventive Acts related to perils 1.1 up to and including 1.5
- Physical Loss of the property and/or interest insured directly caused by :
1.7. Looting occurring during Riots or Civil Commotions
Provided that any of these perils does not develop in an uninterrupted chain of events into one or more
of the excluded perils.
2. EXCLUSIONS
This extension does not cover loss directly or indirectly caused by or contributed to by or arising from or
in consequence of one or more of the following perils :
2.1. Insurrection/Popular Rising, Usurped Power, Revolution, Rebellion, Military Power, Invasion, Civil War,
War and Hostilities, Subversive Acts, Terrorism and Sabotage or Looting (except Looting occurring
during Riots or during Civil Commotions)
In any actions, suit or other proceedings, where the Insurer alleges that loss is directly or indirectly
caused by one or more of excluded perils under this Section, the burden of proof that such loss or
damage is covered shall be on the Insured.

2.2. Total or partial cessation of works, or retarding or interruption or cessation of any process or operation.
2.3. Permanent or temporary dispossession resulting from confiscation, commandeering or requisition by any
lawfully constituted authority or body, or unlawful occupation by any person.
2.4. Business Interruption, or any kind of consequential loss.
3. DEDUCTIBLE
3.1. For loss or damage arising from Item 1.1. Riots up to Item 1.4. Malicious Acts and Item 1.7. Looting
occurring during Riots, including Preventive Acts thereof as specified in this Endorsement, the insured
shall bear the deductible as stated in the policy schedule.
3.2. For loss or damage arising from Item 1.5. Civil Commotions and Item 1.7. Looting occurring during
Civil Commotions, including Preventive Acts thereof as specified in this Endorsement, the insured
shall bear the deductible as stated in the policy schedule.
4. DEFINITIONS
Notwithstanding anything which may be defined in any laws or regulations to the contrary, for the purpose
of this Endorsement, all terminology printed in italics shall be defined as follows :
4.1. Riots is an act of a group of at least 12 (twelve) persons, who in the execution of their common
purpose cause public disturbance tumultuously with violence and damage to the property of others,
not amounting to Civil Commotions or not appertaining to the act of Terrorism.
4.2. Strikes is a deliberate act of damage, by a group of workers of at least 12 (twelve) persons or one
half of the entire workforce (if the total number of workforce is less than 24 persons), refusing to
work as usual in an attempt to force the employer to accept their demands or to protest against
any terms of employment enforced by the employer provided that such act is not appertaining to
the act of Terrorism.
4.3. Locked-out Workers is a deliberate act of damage, by a group of workers of at least 12 (twelve)
persons or one half of the entire workforce (if the total number of workforce is less than
twenty-four persons), to protest against the termination or suspension of a fellow employee by
the employer provided that such act is not appertaining to the act of Terrorism.
4.4. Malicious Acts is an act of any person(s) deliberately causing damage to the property of others
driven by vengeance, hatred , anger or vandalistic, except such acts done by the employee(s)
of the Insured, or any person(s) on behalf of the Insured, or by person(s) entrusted by the Insured
to maintain or keep such property, or by thieves/robbers/looters provided that such act is not
appertaining to the act of Terrorism.
4.5. Preventive Acts Is an act of any lawfully constituted authority or body in an attempt to prevent or
suppress the occurrence of any insured perils or to minimize the consequences of any such perils.
4.6. Civil Commotions is act of a large number of people acting together disrupting public peace and
disturbance tumultuously with violence and a chain of destruction of a large number of properties,
indicated by the cessation of more than one half of the normal activity of commercial/shopping or
business areas or schools or public transportation in one city for at least 24 (twenty four) hours
consecutively commencing immediately before during or after the event provided that such act is
not appertaining to the act of Terrorism.
4.7. Insurrection / Popular Rising is an uprising of a majority of the people in the capital city of the
country, or in three or more capital city of the provinces within 12 (twelve) days, demanding a
change in the government de jure or de facto, or open resistance against the government
de jure or de facto, not amounting to a Rebellion.

4.8. Usurped Power is a situation where the established order has been overthrown and replaced by
some illegal authority which is in a position to lay down rules of conduct and also ensure that
the rules are obeyed.
4.9. Revolution is an uprising of the people with force to make a radical change to the current public
administration system of the country or to overthrow the established government de jure or
de facto, not amounting to Rebellion.
4.10. Rebellion is a state of organised resistance against the established authority with the object of
supplanting or overthrowing it with force using fire arms which threatens the existence of such
authority.
4.11. Military Power is an act by a group of home or foreign armed forces personnel consisting of at least
30 (thirty) persons using force with the intention to overthrow the established authority or to cause
public disorder and disturbance.
4.12. Invasion is an act by the military power of one country to penetrate or invade the territory of another
with the object of permanently or temporarily occupying and taking control over such territory.
4.13. Civil War is an armed conflict between regions or political factions within the territorial limits of a
country with the object of gaining legitimate power.
4.14. War and Hostilities is a widespread armed conflict (whether or not war has been declared) or
a warlike situation between two or more countries, including military exercises jof a country or
joint-military exercises between countries.
4.15. Subversive Acts is an act by any person on behalf on or in connection with any organisation with
activities directed towards the overthrow by force of the government 'de jure' or 'de facto', or to
the influencing of it by Terrorism or Sabotage or violence.
4.16. Terrorism is an act including but not limited to the use of force or violence and or the threat thereof,
of any person or group(s) of person, whether acting alone or on behalf of or in connection with any
organizations(s) or government(s), committed for political, religious, ideological or similar purpose
including the intention to influence any government and or to put the public, or any section of
the public, in fear.
4.17. Sabotage is destructive act against property or the obstruction of work process or causing the
reduction in value of work, by any person or group(s) of person, whether acting alone or on behalf of
or in connection with any organizations(s) or government(s), in an attempt to achieve for political,
religious, ideological or similar purpose including the intention to influence any government and or
to put the public, or any section of the public, in fear.
4.18. Looting is the appropriation of property belonging to another by any person (excluding those
employed by or under the control of the Insured) with the intention of permanently depriving
that other of it.
4. CANCELLATION
This Endorsement may be cancelled at any time by the Insurer by giving written notice through
Registered Letter, Facsimile, Telex or Telegram to the Insured at his last known address.
The Insurer is relieved from all liability under this Endorsement 3 (three) x 24 (twenty four) hours after
the date of dispatch of written notice at 12.00 hours local time where the insured object is located.
As a result of this cancellation, the Insurer is obliged to return prorata premium for the unexpired
period of insurance.

(This wording is a translation of the original version in Bahasa Indonesia; in the event of any dispute
arising from the interpretation of any meaning herein, the terms and conditions shall be interpreted
according to the original Bahasa Indonesia version)..
SANCTION LIMITATION AND EXCLUSION CLAUSE

No insurer shall be deemed to provide cover and no insurer shall be liable to pay any claim or provide any benefit
hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would
expose that insurer to any sanction, prohibition or restriction under United Nations resolutions or the trade or
economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America.
SELLING PRICE CLAUSE
It is noted and agreed that in respect of goods sold but not yet delivered for which the Insured is responsible and with
regard to which under the written or printed conditions of sale the Sale Contract is cancelled by reason of the loss or
damage indemnified by this Policy either wholly or to the extent of the loss or damage, the liability of the Insurer shall
be based on the contract price, and for the purpose of average the value of all goods, to which this clause would in
the event of loss or damage be applicable shall be ascertained on the same basis.
SMOKE AND VEHICLE IMPACT ENDORSEMENT ( Code : 4.11 - 01/12/1998 ) - IAR/PAR

It is hereby declared and agreed that the insurance hereunder is extended to cover:
4.11.1. VEHICLE IMPACT, which for the purpose of this Endorsement shall mean:
Damage to the property insured directly resulting from actual physical contact of a vehicle with the property
Insured hereunder or with the building containing such property. Provided that the Insurer shall not be
liable for any damage caused:
(i) by any vehicle owned or operated by the Insured or by any tenant of the insured premises.
(ii) to fences, driveways, walkways or lawns;
(iii) to any other vehicle including its contents, other than stock of vehicles in process of manufacture or for
sale.
For the purpose of this Endorsement "vehicle" shall mean any vehicle running on land or track but not
aircraft. It is Further agreed that for each and every loss recoverable hereunder, the Insured shall bear
Rp. 1,000,000.00 (One million Rupiah)
4.11.2. INDUSTRIAL SMOKE, which for the purpose of this endorsement shall mean:
Loss or damage to the property insured resulting from smoke due to a sudden, unusual and faulty
operation of any heating or cooking units connected to a chimney by a smoke pipe or by a vent pipe, and
which is in or the Insured premises, excluding, however, smoke from fireplaces or industrial apparatus.
( This wording is a translation of the original version in Bahasa Indonesia, in the event of any dispute arising from
the interpretation of any meaning herein, the terms and conditions shall be interpreted according to the original
Bahasa Indonesia version ).
TEMPORARY REMOVAL CLAUSE
It is hereby agreed that the property insured by this Policy (other than any stock in trade or merchandise) is covered
in respect the perils hereby insured against, whilst temporally removed for cleaning, renovation, repair or other
similar purposes elsewhere on the same premises or any other premises in the Republik of Indonesia and in transit
thereto and thereform by road, rail or inland waterway.
Provide always that:
1. The amount recoverable under this extension in respect of each Item of this Policy shall not exceed the
amount which would have been recoverable had the loss occurred in that part of the promises from which
the property is temporarily removed not in respect of any loss occurring elsewhere than at the said premises,

10 per cent of the sum insured by this Policy after deducting there from the value of any building (exclusive
of fixtures and fittings), stock in trade or merchandise hereby insured.
2. This extension does not apply, to property if and so far as it is otherwise insured.
3. As regards losses occurring elsewhere than at the premises from which the property is temporarily removed
this extension does not apply to
a. Motor vehicles and motor chassis licensed for normal road use,
b. Property held by the insured in trust, other than machinery and plant.
This clause is subject otherwise to all the terms and conditions of the Policy to which it is attached.
TERRORISM EXCLUSION ENDORSEMENT NMA 2920

Notwithstanding any provision to the contrary within this insurance or any endorsement thereto it is agreed that this
insurance excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting
from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in
any other sequence to the loss.
For the purpose of this endorsement an act of terrorism means an act, including but not limited to the use of force or
violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in
connection with any organization(s) or government(s), committed for political, religious, ideological or similar
purposes including the intention to influence any government and/or to put the public, or any action of the public, in
fear.
This endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by,
resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to
any act of terrorism.
If the Insurer alleges that by reason of this exclusion any loss, damage, cost or expense is not covered by this
insurance the burden of proving the contrary shall be upon the Insured.
In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall
remain in full force and effect.
TOTAL ASBESTOS EXCLUSION CLAUSE
It is hereby understood and agreed that this Insurance shall not apply to and does not cover any actual or alleged
liability whatsoever for any claim or claims in respect of loss or losses directly or indirectly arising out of, resulting
from or in consequence of asbestos, in whatever form or quantity.
USE OF DATA AND INFORMATION CLAUSE

The Insurers collect and record the insureds personal data to provide, manage, develop and offer the Insured
Insurance products and services. To achieve this, the insurers may disclose Insureds personal data to appropriate
third parties in or outside the Republic of Indonesia, including service providers and the Insurers other companies.
The Insured consents to the Insurers using and disclosing its personal data in this way.
TRANSMISSION AND DISTRIBUTION LINES EXCLUSION CLAUSE
All transmission and distribution lines, including wire, cables, poles, pylons, standards, towers and any equipment of
any type which may be attendant to such installations, including sub-stations of any description. This exclusion
includes but is not limited to transmission or distribution of electrical power, telephone or telegraph signals, and all
communication signals whether audio or visual.
This exclusion applies to both above and below ground equipment except that which is within 1,000 meters of the
insured's premises or as defined in the Assured's original policy(ies).
This exclusion applies both to physical loss or damage to the equipment and all business interruption, consequential
loss, and/or other contingent losses related to transmission and distribution lines.

WAIVER CLAUSE
It is hereby declared that in the event of the Insured or the Insurer terminates this insurance, then both parties agree
to waive articles 1266 and 1267 of the Indonesian Civil Code and such termination shall be made without requiring
any consent of the Court (Pengadilan Negeri) within the territory of the Republic of Indonesia.
_____
SK No. 12/AAUI/2012
WAR AND CIVIL WAR EXCLUSION CLAUSE (NMA 464)
Notwithstanding anything to the contrary contained herein this Policy does not cover Loss or Damage directly or
indirectly occasioned by, happening through or in consequence of war, invasion, acts of foreign enemies, hostilities
(whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power or
confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any
government or public or local authority.
WELDING CLAUSE
Hot work is defined as work involving the use of machinery and equipment that generate sparks and heat which can
cause a fire. Hot work comprises the use of open fire, hot air and welding, cutting and/or grinding equipment.
The following precautions shall be observed before, during and after the performance of hot work:
- the work site and its immediate surroundings shall be cleared of combustible waste.
- all combustible material at and in the vicinity of the work site shall be removed or protected,
- combustible building parts shall be inspected and protected,
- openings in floors, walls and ceilings shall be sealed,
- approved fire-extinguishing equipment, consisting of at least two 6-kg ABC hand-held extinguishers or a fire hose
with a minimum diameter of 0.75 inch with water turned on up to the hose nozzle shall be placed in an easily
accessible location at the work site,
- a fire watch shall be present during the work, during breaks and at least one hour after the work has been
terminated.
In the event of failure to comply with these safety regulations, the insurer's liability may be reduced or may cease to
apply entirely.
WORKMENS CLAUSE
Workmen are allowed in and about any of the described premises for the purpose or making new erections or
alteration, repair, decoration, plant installation, general maintenance and the like without prejudice to the terms and
conditions of the Policy.


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PROPERTY ALL RISKS POLICY

POLICY NUMBER : 008.4050.201.2024.000154.00 RENEW

POLICY WORDING : MUNICH RE

ADDRESS OF INSURED : Jln. Yos Sudarso No. 100, Bandar Lampung

PERIOD OF INSURANCE : 12 (Twelve) Months

BUSINESS : GUDANG PRIBADI

INTEREST INSURED : SECTION 1 - MATERIAL DAMAGE

TOTAL SUM INSURED : SECTION 1 - MATERIAL DAMAGE

PT. ASURANSI WAHANA TATA CABANG BANDAR LAMPUNG 008.4050.201.2024.000154.00

CONDITIONS, CLAUSES, AND WARRANTIES

- ALL OTHER CONTENTS

PT. ASURANSI WAHANA TATA CABANG BANDAR LAMPUNG 008.4050.201.2024.000154.00

- IMPLEMENTATION OF THE PRINCIPLE

Leader : PT. ASURANSI WAHANA TATA (19.00 %)

PT. ASURANSI WAHANA TATA CABANG BANDAR LAMPUNG 008.4050.201.2024.000154.00

PREMIUM CALCULATION : 1 YEAR

PREMIUM FOR SECTION 1

POLICY COST : IDR 19,000.00

STAMP DUTY : IDR 10,000.00

TOTAL : IDR 2,672,805.00

In witness thereof the Undersigned being duly authorized by the Insurer

Bandarlampung, This March Day Of 08, 2024

PT. ASURANSI WAHANA TATA CABANG BANDAR LAMPUNG 008.4050.201.2024.000154.00

DETAIL SUM INSURED SECTION 1 (MATERIAL DAMAGE)

Stock Stock Obat FLEXAS IDR 1,530,600,000.00 1.127 IDR 1,724,986

PT. ASURANSI WAHANA TATA CABANG BANDAR LAMPUNG 008.4050.201.2024.000154.00

ALL OTHER CONTENTS

It is noted and agreed that this Policy extends to include :

PT. Bank Central Asia, Tbk KCU Bandar Lampung

PT. ASURANSI WAHANA TATA CABANG BANDAR LAMPUNG 008.4050.201.2024.000154.00

COMMENT Underwrites to guarantee reasonable amount.

CHANGE OF PRODUCT CLAUSE

CIVIL AUTHORITIES CLAUSE

5. Names of CO-INSURER(S) and their respective shares are as shown

PT. ASURANSI WAHANA TATA CABANG BANDAR LAMPUNG 008.4050.201.2024.000154.00

DISPUTE CLAUSE - AAUI 2021 (Indonesia)

PT. ASURANSI WAHANA TATA CABANG BANDAR LAMPUNG 008.4050.201.2024.000154.00

A. LEMBAGA ALTERNATIF PENYELESAIAN SENGKETA SEKTOR JASA KEUANGAN

EARTHQUAKE EXCLUSION CLAUSE

EDRE NMA 2802 (17/12/1997)

ELECTRONIC EQUIPMENT AND/OR DEVICE ENDORSEMENT

PT. ASURANSI WAHANA TATA CABANG BANDAR LAMPUNG 008.4050.201.2024.000154.00

Perluasan ini tidak menjamin kerusakan atau kerugian terhadap:

PT. ASURANSI WAHANA TATA CABANG BANDAR LAMPUNG 008.4050.201.2024.000154.00

ENDORSEMENT FLOOD, WINDSTORM, TEMPEST AND WATER DAMAGE (CODE: 4.3 A)

PT. ASURANSI WAHANA TATA CABANG BANDAR LAMPUNG 008.4050.201.2024.000154.00

2) Exclusions This extension does not cover loss of or damage to:

a) Stock and/or other movable items stored in the open.

b) Property and/or interest insured directly or indirectly caused by:

i) Erosion, Subsidence, Landslide, Volcanic Eruption, Earthquake or Tsunami

c) Business Interruption or any kind of consequential loss

4). 72 Hours Clause

b) Windstorm is movement of air at a minimum velocity of 30 (thirty) knots.

PT. ASURANSI WAHANA TATA CABANG BANDAR LAMPUNG 008.4050.201.2024.000154.00

All other terms and conditions of the Policy remain unchanged.

FIRE EXTINGUISHING COSTS CLAUSE

Limit Rp. 10.000.000,- in the aggregate

GENERAL INTEREST CLAUSE

PT. ASURANSI WAHANA TATA CABANG BANDAR LAMPUNG 008.4050.201.2024.000154.00