RIOTS, STRIKES, MALICIOUS DAMAGE AND CIVIL COMMOTIONS ENDORSEMENT (41B / 2007)


                    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:
  1. This Policy to the contrary and subject to payment of additional premium, the Insurer agrees to extend this insurance as provided in this Endorsement;
  1. 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 MEMORANDUM of this

                    1. EXTENSIONS

                    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. Riots
  2. Strikes
  3. Locked-out Workers
  4. Malicious Acts
  5. Civil Commotions
  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 all physical loss of or damage to the property and/or interest insured including loss or damage by fire directly or indirectly caused by or contributed to or arising from or in consequence of

  1. one or more of the following perils:
                    Insurrection/Popular Rising, Usurped Power, Revolution, Rebellion, Military Power, Invasion, Civil War, War and Hostilities, Subversive Acts, Terrorism, Sabotage or Looting (except Looting occurring during Riots or Civil Commotions).
                    In any action, suit or other proceedings, where the Insurer alleges that loss or damage is directly or indirectly caused by one or more of the excluded perils under this Section, the burden of proof that such loss or damage is covered shall be on the Insured.
  1. Total or partial cessation of works, or retarding or interruption or cessation of any process or operation.
  1. Permanent or temporary dispossession resulting from confiscation, commandeering or requisition by any lawfully constituted authority or body, or unlawful occupation by any person.
  1. Business interruption, or any kind of consequential loss.
                    3. DEDUCTIBLES
  1. For loss or damage arising from Item 1.1. Riots upto 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 15% (Fifteen per cent) of the adjusted loss subject to minimum of Rp. 10,000,000 (Ten million rupiahs) for each claim payable under this Endorsement.
  1. 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 15% (Fifteen percent) of the adjusted loss subject to minimum of Rp.25,000,000 (Twenty five million rupiahs) for each claim payable under this Endorsement.

                    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.
                    5. MEMORANDUM
                    For the purpose of this Endorsement, 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 the following:
                    5.1. 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
                    5.2. 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
                    5.3. 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
                    5.4. 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
                    5.5. Civil Commotions is an 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
    1. 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.
                    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).
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