Risk Location : Jl. Pluit Karang Ba

Risk Location : Jl. Pluit Karang Barat No 50, Jakarta Utara
Type of Coverage : Property All Risk Include Include EQ
Wording : Munich Re
Occupancy : All Operations of the Insured including but not limited to three towers apartment including service apartement activities and/or other activities related to the insured’s business.
Total Sum Insured : USD 20.400.000
Interest Insured :
A. BUILDING
The building (including foundation) on the described premises including :
Landlord’s fixtures and fittings,
Fire and security protection installation,
Telephone, gas, water, and electric instrument, meters, pipings, cabling and the like and accessories thereof including similar property in adjoining yards or roadways or underground (to the building or buildings or contents insured by the respective items of this specification) all the property of the insured or of supplier or others for which the insured is responsible (all to be within the insured’s premises),
Plumbing, ventilation, flag poles, awning, signs, doors and windows, display,cabinets and similar structure of whatsoever description,
Site improvements scaled areas, landscaping, car parks, paths, dyke, ditch and the like which partly or wholly serves to supply the described premises,
Walls, gates and fences around and pertaining to described premises,
Decoration and other exterior fixtures and fittings,
All of spare components parts store within the premises.

B. MACHINERY
Machinery plant and all other mechanical tools, electrical and electronic equipment including air conditioning system, lifts, movable equipment, design, molds, pattern, supporting and protective structure but not limited to lighting system, firefighting equipment, compressor, washing and cleaning machine, generator, spare parts and all other accessories attached thereto, which all contained within the premises and owned by the insured or rented or held in trust an for which the insured are responsible except as herein after excluded.
C.CONTENTS
Office equipment, Decoration, and other interior fixtures and fittings, computer and equipment including but not limited to furniture, filling cabinets, electric and non electric typewriter, telephone, telex and facsimile machinery, and all others accessories attached thereto as the property of the insured or held by them in trust for which the insured are responsible.

Main Exclusion : - War, invasion, act of foreign enemy hostilities, civil war,
mutiny, rebellion, revolution, insurrection or military or
usurped of power.
- Ionizing, radiation or contamination by radioactivity from
any nuclear waste from the combustion or nuclear fuel.
- Radioactive toxic, explosive or other hazardous properties
of any explosive nuclear assembly or nuclear component
there of.
- Willful act or willful negligence of the insured or his
representative.
- Delay, loss of market or other consequential loss.
- Dishonesty, fraudulent act, etc.
- Disappearance, unexplained or inventory shortage.
- Electrical or mechanical breakdown or derangement, joint
leakage,failure of weld, collapse or overheating of boiler,
economizers.
- Pollution or contamination.
- Shrinkage, evaporation loss of weight, etc.
- Change in temperature of humidity.
- Rectifying defective materials, faulty workmanship or
design.

Property Excluded : - Property / structure in the course of construction/erection.
Property being worked up and actually arising from the process etc.
Property in transit by road, rail air or water
Licensed road vehicle, railway locomotives and rolling stock, watercraft, aircraft and the like.
Jewelry, precious stone, precious metal, bullion, furs, curiosities, rare books, works of art.

Standing timber, growing crops, animals, birds, fish.
Land (Including top soil back fill drainage or culverts), driveways, payments, roads, runway, railways lines, dams, reservoir, surface water, underground water, canals, rigs, wells, pipelines, cables, tunnels, bridges, docks, piers, wharves, mining property underground, offshore property.
Property in the possession of customers under rental agreement or hire purchase, credit or other suspense sale agreement.

Deductible :
Nil for Fire, Lighting, Explosion, Aircraft Damage, smoke damage and vehicle impact any one occurrence.
5% of loss minimum US$ 500 any one occurrence in respect of Riot, Strike and Malicious Damage Civil Commotion.
10% of loss any one occurrence for Flood, Windstorm, and Water Damage, Landslide, Landslip and Subsidence.
2,5% of Total Sum Insured for Earthquake Volcanic Eruption Tsunami.
On all other causes, a deductible of USD 100 any one occurrence.

Basis Of Settlement :
Reinstatement / Replacement value
First Loss Insurance (All other contents - Limit USD 2.500 anyone item and USD 10.000 in aggregate)
Debris Removal (10 % of Sum Insured)
Capital Addition (10% of Total Sum Insured)
Construction/ Erection/ Alteration (limits USD 100.000 in the aggregate)

Coverage/Rate :
PAR include EQ
FLEXAS 0,37600%o
RSMDCC 0,00005%o
OTHERS 0,00005%o
EQ 1,53000%o +
TOTAL 1,90610%o

Premium :
PROPERTY ALL RISK
USD 20.400.000 x 1,90610%o = USD 38.884,440
Discount 15% = USD 5.832,666 –
USD 33.051,774

Clauses :
All Other Contents Clause (USD 2.500 each item and USD 10.000 in aggregate).
Average Relief Clause (85%).
Alteration & Repairs Clause.
Appraisement Clause (5%) maximum USD 50.000
Architects, Etc Fees Clause (5 % of TSI max USD 250.000)
Awning, Blind and Sign Clause (maximum USD 100.000 in the aggregate)
Automatic Reinstatement of Sum Insured Clause (subject to additional premium)
Bankers Clause (if applicable)
Burst Pipe Endorsement
Capital Addition Clause (10% of TSI)
Civil Authorities Clause
Computer Records (as per All Other Contents Clause)
Cost of Re-Erection Clause
Cost Rewriting Record and Claim Preparation Cost Clause (max USD 50.000 in the aggregate)
Co-Insurance Clause
Debris of Removal Clause (10 % of Sum Insured) and included in TSI
Deferred premium Clause (6 times within 6 months)
Designation Clause
Employee Personal Effect Clause (USD 500/ person and USD 10.000 in aggregate)
Expediting Expenses Clause (15 % of loss max USD 50.000 in aggregate)
Fire Brigade Charges Clause (reasonable cost) max USD 10.000
Fire Extinguishing Cost Clause ( reasonable cost) max USD 10.000
General Interest Clause
Impact by Own Vehicle Clause
Internal Removal Clause
Leased Property Clause
Loss Notification Clause (30 days)
Memorandum on Dispute (C)
Minor Alteration and Repair Clause
Misdescription Clause
Notification Clause
Non Invalidation
Notice Of Cancellation 30 days, 3 days for Riot, Strike, Civil Commotion, and 5 days for Earthquake, Volcanic Eruption an Tsunami
Nominated Adjusters Clause (Mc.Larens)
Outbuilding Clause
Payment on Account Clause (25%)
Public Authorities Clause
Riot, Strike, & Malicious Damage Civil Commotion
Sprinkler Leakage Clause
Services Clause
Electrical Short Circuit (USD 25.000)
Temporary Removal Clause
Vehicle Load Clause
Workmen’s Clause
Waiver of Subrogation again subsidiaries only
Prorate Return Premium Clause
Landslide, Landslip & Subsidence Clause
Automatic Reinstatement of Sum Insured Clause (subject to additional premium)
Sabotage & Terrorism Exclusion (NMA 2918)
Transmission and Distribution Lines Exclusion
Property Damage Clarification Clause
Electronic Date Endorsement
Extra Contractual Obligation Exclusion Clause
Transmission Distribution Lines Exclusion Clause
Industries, seepage, Pollution Contamination Exclusion Clause
War and civil war exclusion
Sanction & Limitation Exclusion Clause
Cyber Risk Exclusion

Subjectivity :
1. No Claim until 25 November 2015.
2. Breakdown sum insured.
3. Valid fire protection equipment, min. 1 unit APAR / 250 m2.

Hasil (Bahasa Indonesia) 1:

Risk Location : Jl. Pluit Karang Barat No 50, Jakarta UtaraType of Coverage : Property All Risk Include Include EQWording : Munich Re Occupancy : All Operations of the Insured including but not limited to three towers apartment including service apartement activities and/or other activities related to the insured’s business.Total Sum Insured : USD 20.400.000Interest Insured : A. BUILDING The building (including foundation) on the described premises including : Landlord’s fixtures and fittings, Fire and security protection installation,Telephone, gas, water, and electric instrument, meters, pipings, cabling and the like and accessories thereof including similar property in adjoining yards or roadways or underground (to the building or buildings or contents insured by the respective items of this specification) all the property of the insured or of supplier or others for which the insured is responsible (all to be within the insured’s premises),Plumbing, ventilation, flag poles, awning, signs, doors and windows, display,cabinets and similar structure of whatsoever description,Site improvements scaled areas, landscaping, car parks, paths, dyke, ditch and the like which partly or wholly serves to supply the described premises,Walls, gates and fences around and pertaining to described premises, Decoration and other exterior fixtures and fittings,All of spare components parts store within the premises. B. MESIN Mesin tanaman dan semua alat mekanis lainnya, peralatan listrik dan elektronik yang termasuk sistem penyejuk udara Lift, peralatan bergerak, Desain, cetakan, pola, pendukung dan pelindung struktur tetapi tidak terbatas pada sistem pencahayaan, peralatan pemadam kebakaran, kompresor, mencuci dan membersihkan mesin, generator, suku cadang dan aksesoris lainnya melekat dengannya, yang semua terkandung dalam lokasi dan dimiliki oleh tertanggung atau menyewa atau disimpan dalam kepercayaan untuk Tertanggung bertanggung jawab kecuali ditentukan setelah dikecualikan. C.CONTENTS Peralatan kantor, dekorasi, dan perlengkapan interior dan Fitting, komputer dan peralatan termasuk tetapi tidak terbatas pada perabotan, mengisi lemari, listrik dan non mesin tik listrik, telepon, teleks dan mesin faksimili, dan semua orang lain aksesoris melekat dengannya sebagai properti Tertanggung atau diadakan oleh mereka dalam kepercayaan yang Tertanggung bertanggung. Pengecualian utama: - perang, invasi, tindakan permusuhan musuh Asing, perang saudara, pemberontakan, pemberontakan, revolusi, pemberontakan atau militer atau merebut kekuasaan. -Ionizing, radiasi atau kontaminasi oleh radioaktivitas dari setiap limbah nuklir dari pembakaran atau bahan bakar nuklir. -Radioaktif beracun, bahan peledak atau sifat-sifat berbahaya lainnya perakitan peledak nuklir atau komponen nuklir sana. -Undang-undang disengaja atau kelalaian yang disengaja asuransi atau nya perwakilan. -Penundaan, hilangnya pasar atau konsekuensial yang lain. -Ketidakjujuran, undang-undang palsu, dll. -Hilang, yang tidak dapat dijelaskan atau persediaan kekurangan. -Listrik atau mekanis kerusakan atau gangguan, bersama kebocoran, kegagalan mengelas, runtuhnya atau terlalu panas boiler, economizers. -Polusi atau kontaminasi. -Penyusutan, penguapan hilangnya berat badan, dll. -Perubahan temperatur kelembaban. -Meluruskan bahan rusak, rusak pengerjaan atau Desain.Properti dikecualikan:-properti / struktur dalam konstruksi ereksi.Properti yang sedang bekerja sampai dan benar-benar timbul dari proses dll.Properti dalam transit melalui jalan, rel udara atau airKendaraan berlisensi jalan, kereta api lokomotif dan rolling stock, perahu, pesawat dan sejenisnya.Perhiasan, batu mulia, logam mulia, bullion, bulu, keingintahuan, buku-buku langka, karya seni.Berdiri kayu, tumbuh tanaman, hewan, burung, ikan.Tanah (termasuk atas tanah mengisi kembali drainase atau gorong-gorong), jalan masuk, pembayaran, jalan, landasan pacu, jalur kereta api, bendungan, waduk, permukaan air, air bawah tanah, kanal, Rig, sumur, pipa, kabel, terowongan, jembatan, dermaga, dermaga, dermaga, tambang bawah tanah, lepas pantai properti.Properti memiliki pelanggan di bawah perjanjian sewa atau sewa beli, kredit atau persetujuan lain dijual ketegangan.Dikurangkan dari:Nol untuk api, pencahayaan, ledakan, kerusakan pesawat, asap kerusakan dan kendaraan mempengaruhi terjadinya setiap satu.5% kehilangan minimal US$ 500 setiap satu kemunculan kerusuhan, pemogokan, dan jahat kerusakan sipil keributan.10% kehilangan setiap satu kemunculan banjir, angin ribut, dan kerusakan air, tanah longsor, Landslip dan Subsidence.2,5% dari jumlah yang diasuransikan untuk gempa Tsunami letusan gunung berapi.Pada semua penyebab, dikurangkan sebesar USD 100 terjadinya setiap satu.Dasar penyelesaian: Pemulihan / penggantian nilaiPertama badan asuransi (semua isi lainnya - batas USD 2.500 orang item dan USD 10.000 dalam agregat)Penghapusan puing-puing (10% dari uang pertanggungan)Penambahan Modal (10% dari Total uang pertanggungan)Konstruksi / ereksi / perubahan (batas USD 100.000 secara agregat)Cakupan/Rate: PAR termasuk EQ FLEXAS 0,37600 %oRSMDCC 0,00005 %oLain-lain 0,00005 %o EQ 1,53000 %o + TOTAL 1,90610 %oPremi: PROPERTI SEMUA RISIKO USD 20.400.000 x 1,90610 %o = USD 38.884,440 Diskon 15% = USD 5.832,666- USD 33.051,774Persyaratan:Semua isi klausul lain (USD 2.500 masing-masing item dan USD 10.000 dalam agregat).Rata-rata Relief klausul (85%).Pengubahan & perbaikan klausa.Appraisement ayat (5%) maksimum USD 50.000Arsitek, dll biaya klausul (5% max TSI USD 250.000)Tenda, buta dan tanda klausul (maksimal Rp 100.000 dalam agregat)Otomatis pemulihan dari jumlah Tertanggung klausul (sesuai dengan tambahan premi)Bankir klausul (jika berlaku)Ledakan pipa dukunganPenambahan Modal klausul (10% dari TSI)Klausul otoritas sipilCatatan komputer (seperti semua isi klausul)Cost of Re-Erection ClauseCost Rewriting Record and Claim Preparation Cost Clause (max USD 50.000 in the aggregate)Co-Insurance ClauseDebris of Removal Clause (10 % of Sum Insured) and included in TSIDeferred premium Clause (6 times within 6 months)Designation ClauseEmployee Personal Effect Clause (USD 500/ person and USD 10.000 in aggregate)Expediting Expenses Clause (15 % of loss max USD 50.000 in aggregate)Fire Brigade Charges Clause (reasonable cost) max USD 10.000Fire Extinguishing Cost Clause ( reasonable cost) max USD 10.000General Interest ClauseImpact by Own Vehicle ClauseInternal Removal ClauseLeased Property ClauseLoss Notification Clause (30 days)Memorandum on Dispute (C)Minor Alteration and Repair ClauseMisdescription ClauseNotification ClauseNon InvalidationNotice Of Cancellation 30 days, 3 days for Riot, Strike, Civil Commotion, and 5 days for Earthquake, Volcanic Eruption an TsunamiNominated Adjusters Clause (Mc.Larens)Outbuilding ClausePayment on Account Clause (25%)Public Authorities ClauseRiot, Strike, & Malicious Damage Civil CommotionSprinkler Leakage ClauseServices ClauseElectrical Short Circuit (USD 25.000)Temporary Removal ClauseVehicle Load ClauseWorkmen’s ClauseWaiver of Subrogation again subsidiaries onlyProrate Return Premium ClauseLandslide, Landslip & Subsidence ClauseAutomatic Reinstatement of Sum Insured Clause (subject to additional premium)Sabotage & Terrorism Exclusion (NMA 2918)Transmission and Distribution Lines ExclusionProperty Damage Clarification ClauseElectronic Date EndorsementExtra Contractual Obligation Exclusion ClauseTransmission Distribution Lines Exclusion ClauseIndustries, seepage, Pollution Contamination Exclusion ClauseWar and civil war exclusionSanction & Limitation Exclusion ClauseCyber Risk ExclusionSubjectivity : 1. No Claim until 25 November 2015. 2. Breakdown sum insured. 3. Valid fire protection equipment, min. 1 unit APAR / 250 m2.