Packaged Product: Office Multi Risk Insurance

Coverage

Section I – Material damage “all risks”: The Insurer shall indemnify for physical loss or damage caused to the buildings, all internal contents and proper costs in occurrence of unforeseen and sudden accidents.

Section II – Money Insurance: The Insurer shall indemnify for loss of money (current coin, bank and currency notes) anywhere in Vietnam.

Section III – Liabilities: The Insurer shall indemnify for any legal liabilities of the Insured to:

• Public Liability (damage to property or claminants’ costs and expenses in respect of accidental bodily injury to any third party,
• Tenant’s Liability (damage to the Buildings or part to Contents),
• Costs.

Section IV – Personal Accident: The Insurer shall indemnify for bodily injury, resulting from any other cause, in death or disablement, within 12 months from the date of accident.

Exclusions

Section I – Material damage “all risks”:

• Money and other valuable assets such as money, jewellry and precious stones,
• Motor vehicles (including garden implements and wheelchairs) and fitted accessories,
• Acts of fraud or dishonesty involving any partner of the Insured.

Section II – Money Insurance:

• Loss of money due to the dishonesty of any employee of the Insured,
• Shortages due to error or omission.

Section III – Liabilities: 

• Bodily injury sustained by any employee of the Insured arising out of and during the course of employment with the Insured,
• Loss of or damage to property belonging to the Insured,
• Liquidated damages or penalties.

Section IV: Personal Accident:

• Suicide, self-destruction, self-inflicted injury or any attempt thereof while sane or insane,
• AIDS, HIV or any sexually transmitted disease,
• The influence of intoxicating liquor or of a drug, other than a drug taken or administered on medical advice.