ACTIVIDADES 34

If we agree to pay for a claim for deterioration of refrigerated stock, we will at our option, pay the cost of replacing

Section 1G – Deterioration of Stock

This section covers the deterioration of chilled, refrigerated or frozen stock, following the breakdown of the freezer or refrigerated unit that they are kept in. An insured event does not include the items, events of circumstances set out beside the event in the “What we exclude” column.

You can claim for loss or damage as described under “What we cover” if: 4 “Deterioration of Stock” is shown under “What’s Covered” in the schedule; 4 the loss or damage occurs during the period of insurance;

4 the loss or damage is not excluded under the “What we exclude” column of this section; and 4 the loss or damage is not excluded by any of the General Exclusions listed on pages 78 and 79.

✘ What we exclude

✔ What we cover

Loss of or damage to: 1. Money

in your custody or in the custody of persons authorised by you while it is:

(a) in transit to or from the premises, (b) held in a night safe until removed by a

bank employee; or

(c) withdrawn for wages and salaries, but before it has been paid to employees. We will also cover the loss of or damage to the cash carrying bag that results from theft in transit.

2. Money on the premises during business hours. 3. Money while locked in an ATM, safe or

strongroom on the premises.

4. An ATM, safe or strongroom on your premises.

5. Money while it is in your private residence or the private residence of a person authorised by you.

6. Money on the premises outside of business hours and not in an ATM, safe or strongroom.

Loss from an unattended vehicle.

Loss from a bank night safe after the usual closing time of the bank, on the day following the deposit.

Shortages resulting from clerical or accounting errors or loss due to errors in receiving or paying out.

Loss not discovered within 7 (seven) workings days of the loss occurring.

Any act of fraud or dishonesty by you or by any employee.

Loss from an ATM, safe or strongroom opened by a key or by use of a combination, either of which had been left on the premises outside business hours.

Loss of money when the premises are left unoccupied unless any burglar alarm system which protects the premises is:

 operative during the period the premises are left unoccupied; and

 maintained in good working condition. We will not pay for more than $3,000 for money in a private residence, plus any additional amount shown on the schedule.

We will not pay for more than $3,000 for Money on the premises outside of business hours and not in an ATM, safe or strongroom, plus any additional amount shown on the schedule.

Extra Benefits

If we agree to pay a claim for an insured event, under this section we will also pay for:

1. Clothing and personal effects

Loss of or damage to the personal effects of your directors, officers and employees during a theft or attempted theft of money.

We will not pay more than $5,000 for any one person’s personal effects, and $10,000 for any one event.

2. Replacement of locks

The cost of replacing locks, keys or combination We will not pay more than $5,000 during any one period of insurance.

Section 2 – Money

This section covers the loss of or damage to your business’s money from a wide variety of causes such as theft, armed hold up, or fire. The money may be in transit or at your premises. An insured event does not include the items, events or circumstances set out beside the event in the “What we exclude” column.

You can claim for loss of or damage as described under “What we cover” if: 4 “Money” is shown under “What’s Covered” in the schedule;

4 the loss or damage occurs during the period of insurance; 4 the loss or damage occurs in Australia or its external territories;

4 the loss or damage is not excluded under the “What we exclude” column of this section; and 4 the loss or damage is not excluded by any of the General Exclusions listed on pages 78 and 79.

3. Temporary Protection

The costs necessarily and reasonably incurred by you in effecting temporary protection and the employment of guards or watchman to safeguard the money at the premises as a result of theft or attempted theft and that is covered under this section.

We will not pay more than $10,000 for any one event.

If you are insured under Section 1B – Theft the benefits payable under this extra benefit shall not be cumulative and shall be limited to $5,000 in the aggregate per event.

4. Security Film

The cost of developing the film of security

cameras following loss. If you are insured under Section 1B – Theft the benefits payable under this extension shall not be cumulative.

5. Funeral Expenses

Any burial or cremation costs if any director, employee, officer or business partner sustains a fatal injury provided:

(a) their death directly results from an assault that occurs during a theft or attempted theft of money owned by you or for which you are legally responsible; and

(b) the death occurs within 6 months of the assault.

We will not pay more than $10,000 to the estate of each person.