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This cover will be invalidated if the risk of damage or business interruption is increased without our
written consent by reason of demolition, groundworks, excavation or construction being carried out on
any adjoining site.

15. All Other Damage
All risks of accidental damage to the property insured excluding:
a) damage or business interruption caused by insured perils 1 to 12 above whether insured or not
or specifically excluded by those insured perils
b) damage or business interruption resulting from or caused by:

i) asbestos material removal
ii) demolition or increased cost of reconstruction, repair, debris removal or loss of use necessitated
by the enforcement of any law or ordinance regulating asbestos material

iii) any governmental direction or request declaring that asbestos material present in, part of or
utilised on any undamaged portion of the property insured must be removed or modified

c) damage or business interruption caused by or consisting of:
i) inherent vice, latent defect, gradual deterioration, wear and tear, its own faulty or defective
design or materials
ii) faulty or defective workmanship, operational error or omission on your part or the part of
any employee
but this will not exclude subsequent damage or business interruption which itself results from a
cause not otherwise excluded

d) damage or business interruption caused by or consisting of:
i) corrosion, erosion, oxidation, rust, wet or dry rot, shrinkage, evaporation, loss of weight,
mould, dampness, dryness, marring, scratching, vermin, insects or action of light
ii) change in temperature, humidity, colour, flavour, texture or finish
iii) theft or attempted theft

iv) joint leakage, failure of welds, cracking, fracturing, collapse or overheating of boilers,
economisers, superheaters, pressure vessels or any range of associated steam and feed piping
v) mechanical or electrical breakdown or derangement of the particular machine, apparatus or
equipment in which such breakdown or derangement originates
vi) the deliberate act of a supply undertaking in withholding the supply of water, gas, electricity,
fuel or telecommunications services
vii) the deliberate act of withholding the provision of extranets or access to or presence on the
internet or access to application and related services over the internet
but this will not exclude:

1) such damage or business interruption not otherwise excluded which itself results from any
other accidental damage
2) subsequent damage or business interruption which itself results from a cause not
otherwise excluded

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