What are some of the major exclusions in the policy?
- Any criminal act, fines and penalties.
- Services rendered while under the influence of intoxicants or narcotics.
- General anesthesia unless the procedure is carried out in a Hospital.
- The use of drugs for weight reduction or performance of cosmetic plastic surgery, hair transplants and similar processes.
- Directly or indirectly caused by or associated with Human T. Cell, genetic injuries caused by X-Ray treatment/diagnosis or treatment/diagnosis with radioactive substances etc.
- Contractual Liability, War, Nuclear Explosion, Terrorism.
- Loss of financial nature such as loss of goodwill, loss of market etc.
- Infringement of plans, patent, trade name, trade mark, trade secret, registered design.
- Any dishonest, fraudulent criminal or malicious act or omission.
- Loss on account of time spent in investigating the cause of damage (including costs for re-projecting in connection with the damage) and claims for losses sustained.
- Bodily injury, sickness, disease, death, damage to property or financial loss and/or consequential loss unless arising out of wrongful, faulty or inadequate design or advice.
- Liabilities attaching under contract of employment (Employer’s liabilities).
- Earthquake, volcanic eruption, flood, storm, or other similar convulsions of nature & atmospheric disturbance.
- Loss of use and/or loss due to delay or inadequate quantities/qualities or arranging the supply of material.
- Arising from exceeding fair estimates and costs from not adhering to deadlines in completing the construction of project or part thereof and from defective accounts or control of accounts.
- Inadequate quantities/qualities or arranging or handling the supply of material.
