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2. In the event that part B includes an extension which deems loss or damage at other locations to be
loss or damage at the premises such extension will not apply to this endorsement.
3. We will not be liable under this endorsement for:
a) loss arising from restrictions on the use of the premises in consequence of an emergency
prohibition notice or emergency prohibition order being served against you or the manager
of the premises in relation to a breach of the Food Safety Act 1990, General Food Regulations
2004 or Food Hygiene Regulations 2006
b) any costs incurred in the cleaning, repair, replacement, recall or checking of property.

4. You will comply with all issues identified as Contraventions arising from a Food Premises Inspection
Report within the timescales stated in such report.

5. You will notify us immediately of any prohibition notice, emergency prohibition notice or emergency
prohibition order served against you or the manager of the premises in relation to a breach of the
Food Safety Act 1990, General Food Regulations 2004 or Food Hygiene Regulations 2006
6. We will only be liable for the loss arising at those premises which are directly affected by the
occurrence, discovery or accident then only for an amount not exceeding £1,000,000 or the sum
insured whichever is the lesser.

2. Reinstatement Day One Non Adjustable Basis
For any item under part A where you have stated in writing the Declared Value (shown in brackets below
the sum insured stated on the schedule) the premium for each item has been calculated accordingly.
Supplementary Conditions
1. At the inception of each period of insurance you will provide us with the Declared Value of the
property to be insured under each item. In the absence of a declaration the last amount declared
by you will be taken as the Declared Value for the ensuing period of insurance.

2. All the terms and conditions of part A will apply where claims are payable as if this clause had not
been incorporated except the sum insured will be limited to the percentage of the Declared Value
stated in the schedule.
3. Part A section 2.12 supplementary condition 4 is held to read ‘If at the time of Damage the
Declared Value of the property covered by an item is less than the cost of reinstatement at the
inception of the period of insurance then our liability for Damage will not exceed that proportion
which the Declared Value bears to such cost of reinstatement.

3. Your Voluntary Retained Liability
A. Each Loss
Your retained liability stated in the schedule for each and every loss at each separate premises.

B. One Event
Your retained liability stated in the schedule arising from One Event.

C. Annual Aggregate
If during the annual period of insurance the aggregate of the amounts borne by you under the terms
of A or B above exceed the amount stated in the schedule we will pay any excess amount. All losses to
be taken into account in arriving at the aggregate figure will be notified to us.

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