{"title":"Exclusions ","subtitle":"","body":"\u003cstyle\u003e\n    tr{\n    vertical-align: top;\n    }\n    li{\n    style=\"font-size: 15px; font-weight: normal;\"\n    }\n\u003c/style\u003e\n\u003ctable style=\"border: 1px solid #d3d3d3; width: 100%;\" cellspacing=\"1\" cellpadding=\"8\"\u003e\n    \u003ctbody\u003e\n        \u003ctr\u003e\n            \u003cth style=\"background-color: #00539b;\"\u003e\n            \u003ch4 style=\"text-align: center; color: #ffffff;\"\u003eSection of Policy Wording \u003c/h4\u003e\n            \u003c/th\u003e\n            \u003cth style=\"background-color: #00539b;\"\u003e\n            \u003ch4 style=\"text-align: center; color: #ffffff;\"\u003eSub-Section \u003c/h4\u003e\n            \u003c/th\u003e\n            \u003cth style=\"background-color: #00539b;\"\u003e\n            \u003ch4 style=\"text-align: center; color: #ffffff;\"\u003eWhat\u0026rsquo;s Changed?  \u003c/h4\u003e\n            \u003c/th\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\" rowspan=\"13\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e1.13 Property Exclusions \u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e2) Mold\u003c/p\u003e\n            \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 50%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eWe\u0026rsquo;ve updated this exclusion to add \u0026ldquo;fungi\u0026rdquo; and \u0026ldquo;spores\u0026rdquo; as named exclusions.\n            \u003c/p\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eWe\u0026rsquo;ve also expanded the definitions (section 5.1, 15 \u0026amp; 32) for what we classify as \u0026ldquo;fungi\u0026rdquo; and \u0026ldquo;spores\u0026rdquo;. \u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e8) Water escape by freezing in unheated areas \u003c/p\u003e\n            \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 50%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eWe\u0026rsquo;ve consolidated the two previous exclusions related to \u0026ldquo;water escape by freezing\u0026rdquo; (8 \u0026amp; 9) into one exclusion (8). We\u0026rsquo;ve also expanded this exclusion to apply to all structures on your premises and in the instance water escape by freezing has occurred because you or someone at your direction intentionally turned off the heat.\u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e11) Mechanical or electrical breakdown \u003c/p\u003e\n            \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 50%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eWe\u0026rsquo;ve updated this exclusion to clarify that \u0026ldquo;refrigerated food\u0026rdquo; is exempt and is eligible for coverage. \u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e12) and 13) Cyber/data exclusion\u003c/p\u003e\n            \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 50%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e We\u0026rsquo;ve broadened this exclusion to apply to electronic devices and systems, in addition to data losses. Coverage may still apply to physical damage to your electronic devices, systems or data if the damage was caused by a covered loss\u0026mdash;like fire or theft.\n            \u003c/p\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e To provide further clarity on this exclusion, we\u0026rsquo;ve expanded the definitions (section 5.1, 9) for \u0026ldquo;data\u0026rdquo; to include electronic data, facts and code, plus, we\u0026rsquo;ve added a definition (section 5.1, 5) for the term \u0026ldquo;computer system\u0026rdquo; which is stated in this exclusion.\n            \u003c/p\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e This exclusion does not apply to Cyber Coverage. For more details on this coverage, please refer to the \u003ca href=\"/insurance/rd/wordings\"\u003eCyber Coverage Wording\u003c/a\u003e. \u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e16) Extreme changes in temperature  \u003c/p\u003e\n            \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 50%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eWe\u0026rsquo;ve updated this exclusion to clarify that \u0026ldquo;refrigerated food\u0026rdquo; is exempt and is eligible for coverage.\u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e20) Intentional or criminal action  \u003c/p\u003e\n            \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 50%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eWe\u0026rsquo;ve expanded this exclusion to add that a \u0026ldquo;failure to act\u0026rdquo; by those insured by the policy is a named exclusion. \u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e26) Radioactive material/nuclear incident\u0026nbsp;\u003c/p\u003e\n            \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 50%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eWe\u0026rsquo;ve updated this exclusion by adding a phrase to include any laws that modify or update the Nuclear Liability Act or any other nuclear liability act, law or statute.  We\u0026rsquo;ve also expanded \u0026ldquo;radioactive material\u0026rdquo; by adding \u0026ldquo;radioactive contamination\u0026rdquo; as a named exclusion.\u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e27) Terrorism \u003c/p\u003e\n            \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 50%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eWe\u0026rsquo;ve updated this exclusion for clarity and expanded it by adding the act of measures taken to \u0026ldquo;terminate terrorism\u0026rdquo; as a named exclusion.\u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e28) War \u003c/p\u003e\n            \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 50%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eWe\u0026rsquo;ve expanded this exclusion to add \u0026ldquo;military power\u0026rdquo;, \u0026ldquo;usurped power\u0026rdquo; and \u0026ldquo;bombardment\u0026rdquo; as named exclusions. We\u0026rsquo;ve also updated the description to state that these exclusions apply whether a war has been declared or not.\u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e33) Aircraft and motor vehicles  \u003c/p\u003e\n            \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 50%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eWe\u0026rsquo;ve updated this exclusion to clarify that \u0026ldquo;e-bikes\u0026rdquo; and \u0026ldquo;e-scooters\u0026rdquo; are exempt and eligible for coverage.\n            \u003c/p\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eWe have also added definitions (section 5.1, 12 \u0026amp; 13) for \u0026ldquo;e-bike\u0026rdquo; and \u0026ldquo;e-scooter\u0026rdquo; to support this change.\u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e44) Bylaws costs  \u003c/p\u003e\n            \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 50%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eWe\u0026rsquo;ve expanded this exclusion to add \u0026ldquo;increased costs\u0026rdquo; or \u0026ldquo;charges for complying with any rules or bylaws\u0026rdquo; as named exclusions.\u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e46) Goods held for sale \u003c/p\u003e\n            \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 50%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eWe\u0026rsquo;ve added an exclusion if you have inventory and goods held for sale in the course of business. \u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e47) Property owned by a business  \u003c/p\u003e\n            \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 50%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eWe\u0026rsquo;ve added an exclusion to clarify that property owned by a corporation or other entity operating a business is not covered. \u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\" rowspan=\"5\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e2.5 Liability Exclusions  \u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e13) Intentional or criminal action \u003c/p\u003e\n            \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 50%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eWe\u0026rsquo;ve expanded this exclusion to add that a \u0026ldquo;failure to act\u0026rdquo; by those insured by the policy are a named exclusion. \u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e15) Communicable disease  \u003c/p\u003e\n            \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 50%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eWe\u0026rsquo;ve expanded this exclusion to add \u0026ldquo;the fear or threat\u0026rdquo; of Communicable Disease.\u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e24), 25) and 26) Nuclear   \u003c/p\u003e\n            \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 50%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eWe\u0026rsquo;ve updated this exclusion for clarity, including reference to the current nuclear legislation provided by the Nuclear Insurance Association of Canada.\n            \u003c/p\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eWe\u0026rsquo;ve also introduced exclusion 26) if you have existing coverage under a nuclear energy liability policy.\u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e27) War  \u003c/p\u003e\n            \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 50%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eWe\u0026rsquo;ve expanded this exclusion to add \u0026ldquo;military power\u0026rdquo;, \u0026ldquo;usurped power\u0026rdquo; and \u0026ldquo;bombardment\u0026rdquo; as named exclusions and added to the description that these exclusions apply whether a war has been declared or not. \u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n        \u003ctr\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 25%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003e28) Terrorism  \u003c/p\u003e\n            \u003cp\u003e\u0026nbsp;\u003c/p\u003e\n            \u003c/td\u003e\n            \u003ctd style=\"background-color: #f2f2f2; width: 50%;\"\u003e\n            \u003cp style=\"font-size: 15px; font-weight: normal;\"\u003eWe\u0026rsquo;ve updated this exclusion for clarity and expanded it to add the act of measures taken to \u0026ldquo;terminate terrorism\u0026rdquo; as a named exclusion. \u003c/p\u003e\n            \u003c/td\u003e\n        \u003c/tr\u003e\n    \u003c/tbody\u003e\n\u003c/table\u003e","disableFooter":true,"ModalSize":"Large","ID":"1ecd6efa-25d5-4c19-8391-dfae95b59db5","__DisplayName":"","Name":"Exclusions","DisplayName":"Exclusions","SortOrder":300}