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Branch of the Year GAM 2017
March 2017
GAM Branch Of The Year
2017
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2015
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Vision
Our Vision Is To Be The Preffered Branch Of Choice That Will Provide The Region With The Best Customer Centric Experience At Every Customer Touch Point.
Mission
The Eagle Branch Has a Commitment To Produce And Develop A Leading, Profitable, Dynamic, Customer Centric Organization With A Focus On Adding Value And Exceeding The Expectations Of All Our Stakeholders, Along The Insurance/Financial Services Value Chain.
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Branch of the Year GAM 2017

 

Kelvin Regisford Eagle Branch - Branch of the Year for GAM 2017

Eagle Branch Cooler Vybz 2018

Cooler vybz 2018........ This will be Lit.... don't miss out!!!!!!!!!!!!!!!!!!!


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Workman’s Compensation Fund

 

 

Workmen's Compensation Policy (This Policy is on a Losses Occurring Basis)

 

Exclusions

The insurers shall not be liable under this policy in respect of:

 

1. Injury or disease to employees of contractors or sub contractors of the Insured.

 

2. Liability assumed by the Insured by agreement unless such liability would have attached tot he Insured notwithstanding such agreement.

 

3. Any sum which the Insured would have been entitled to recover from any party but for an agreement between the Insured and such party.

 

4. Liability arising out of the Insured's willful failure to take all reasonable steps to prevent injury accident or disease.

 

5. Liability in respect of which the Insured is entitled to indemnity under any other policy.

 

6 (I) Compensation for damages in respect of judgments delivered or obtained in the first instance otherwise by a Court of competent Jurisdiction within the territorial limits specified in the schedule.

   (ii) Cost and expenses of litigation recovered by any claimant from the Insured which are not incurred in and are recoverable in the territorial limits specified in the schedule.

 

7. Loss, damage, cost or expense directly or indirectly occasioned by happening through or in consequence of war invasion act of foreign enemy hostilities (whether war be declared or not) civil war rebellion revolution insurrection military or usurped power or confiscation or nationalization or requisition or destruction of or damage to property by or under the order of any government or public or local authority.

 

8. Loss, damage, cost or expense directly or indirectly arising out of Nuclear Energy Risks.

For the purposes of this Exclusion Nuclear Energy Risks shall mean all first party and/or third party insurances (other than Workers' Compensation and Employers' Liability) in respect of:

 (I) All Property on the site of a nuclear power station. Nuclear Reactors, reactor buildings and plant and equipment therein on any site other than a nuclear power station.

 

 (ii) All Property on any site (including but not limited to the sites referred to in (I) above) used or having been used for:

      (a) The generation of nuclear energy; or

      (b) The production, Use or Storage of Nuclear Material

 

 (iii) Any other Property eligible for insurance by the relevant local Nuclear Insurance Pool and/or Association but only to the extent of the requirements of that local Pool and/or Association.

 

(iv) The supply of goods and services to any of the sites, described in (i) to (ii) above, unless such insurances shall exclude the perils of irradiation and contamination by Nuclear Material.

 

Except as undernoted, Nuclear Energy Risks shall not include:

 (i) Any insurance in respect of the construction or erection or installation or replacement or repair or maintenance or decommissioning of Property described in (i) to

(iii) above (including contractors' plant and equipment);

 (ii) Any Machinery Breakdown or other Engineering insurance not coming within the scope of (i) above.

Provided always that such insurance shall exclude the perils of irradiation and contamination by Nuclear Material.

However, the above exemption shall not extend to;


(1) The provision of any insurance whatsoever in respect of;

 (a) Nuclear Material;

 (b) Any Property in the High Radioactivity Zone or Area of any Nuclear Installation as from the introduction of Nuclear Material, or for reactor installations, as from fuel loading or first critically where so agreed with the relevant local Nuclear Insurance Pool and/or Association.

 

(2) The provision of any insurance for the undernoted perils:

 (a) Fire, lightning, explosions;

 (b) Earthquake

 (c) Aircraft and other aerial devices or articles dropped therefrom;

 (d) Irradiation and radioactive contamination;

 (e) Any other peril insured by the relevant local Nuclear Insurance Pool and/or Association;

in respect of any other Property not specified in (1) above which directly involves the Production, Use or Storage of Nuclear Material as from the introduction of Nuclear Material into such Property.

Definitions:

"Nuclear Material" means;

Nuclear fuel, other than natural uranium and depleted uranium, capable of producing energy by a self-sustaining chain process of nuclear fission outside a Nuclear Reactor, either alone or in combination with some other materials; and

"Radioactive Products or Waste" means;

any radioactive material produced in, or any material made radioactive by exposure to the 'radiation incidental or the production or utilization of nuclear fuel, but does not include radioisotopes which have reached the final stage of fabrication so as to be usable for any scientific, medical, agricultural, commercial or industrial purpose.

"Nuclear Installation" means

 

 (i) Any Nuclear Reactor;

 

 (ii) Any factory using nuclear fuel for the production of nuclear material, or any factory for the processing of Nuclear Material including any factory for the processing of irradiated nuclear fuel; and

 

 (iii) Any facility where Nuclear Material is stored, other than storage incidental to the carriage of such material.

"Nuclear Reactor" means any structure containing nuclear fuel in such an arrangement that a self-sustaining chain process of the nuclear fission can occur therein without an additional source of neutrons.

"Production, Use or Storage of Nuclear Material" means the production, manufacture, enrichment, conditioning, processing, reprocessing, use, storage, handling and disposal of Nuclear Material.

"Property" shall mean all land, buildings, structures, plant, equipment, vehicles, contents (including but not limited to liquids and gases) and all materials of whatever description whether fixed or not.

High Radioactivity Zone or Area" means:

 

 (i) For nuclear power stations and Nuclear Reactors, the vessel or structure which immediately contains the core (including its supports and surroundings) and all the contents thereof, the fuel elements, the control rods and the irradiated fuel store; and

 

 (ii) For non-reactor Nuclear Installations any area where the level of radioactivity requires the provision of a biological shield.

 

(9) loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss.

For the purpose of this Exclusion an act of terrorism includes any act, including but not limited to the use of force or violence and/or the threat thereof, or any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or governments), committed for political, religious, ideological, or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

This Exclusion also excludes loss,  injury, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from, or in connection with any action taken in controlling, preventing, suppressing or in any way relating to an act of terrorism.

If the Insurers allege that by reason of this Exclusion, any loss, injury, damage, cost or expense is not covered by the policy the burden of proving the contrary shall be upon the Insured.

In the event that any portion of this Exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect.

 

(10) loss, damage, cost or expense caused by, arising out of or related in any way, directly or indirectly to:

 (a) (i) erasure, destruction, corruption, misappropriation, misinterpretation of "data",

      (ii) erroneously creating, amending, entering, deleting or using "data"

including loss of use arising therefrom.

 

 (b) the distribution or display of "data" by means of an Internet Website, the Internet, an Intranet, Extranet, or similar device or system designed or intended for electronic communication of "data".

"Data" means representations of information or concepts in any form,

 

(11)  loss, damage, cost or expense of whatsoever nature directly or indirectly caused by or contributed to by or resulting from or in connection with nuclear energy or radioactivity of any kind including but not limited to any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss:

 

 (i) ionizing radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel.

 

 (ii) the radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof.

 

 (iii) any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.

 

(12) (i) Personal injury or Bodily Injury of loss of, damage to, or loss of use of property directly or indirectly caused by seepage, pollution or contamination, provided always that this paragraph (i) shall not apply to liability for Personal injury or Bodily injury or loss of or physical damage to or destruction of tangible property, or loss of such property damaged or destroyed, where such seepage, pollution or contamination is caused by a sudden, unintended and unexpected happening during the Policy Period.

 

       (ii)The cost of removing, nullifying or cleaning-up seeping, polluting or contaminating substances unless the seepage, pollution or contamination is caused by sudden, unintended and unexpected happening during the Policy Period.

 

       (iii) Fines, penalties, punitive or exemplary damages.

 

(13) any ultimate loss related o or arising from any actual or alleged liability for any legal remedy of any kind whatsoever (including but not limited to damages, interest, mandatory or other injunctive relief statutory orders or penalties, legal or other costs, or expenses of any kind) in respect of actual or threatened loss, damage, cost, or expense directly or indirectly caused by, resulting from, in consequence of or in any way involving, asbestos or any materials containing asbestos in whatever form or quantity.

This Exclusion applies whether or not there are one or more other causes (whether covered or not) that contribute concurrently in any sequence to the occasioning of the loss, damage, cost or expense.

 

(14) loss or damage or any loss or expense whatsoever or consequential loss resulting therefrom directly or indirectly caused by or contributed to by or arising in relation to the failure of any non computer equipment or computer equipment or system for processing storing or retrieving data computer software computer media microchip integrated circuit or similar device whether the property of the Insured or not and whether occurring before during or after the year 2000

 

 (i) correctly to recognize any date as its true calendar date

 

 (ii) to capture save or retain and/or correctly to manipulate interpret or process any data or information or command or instruction as a result of treating any date otherwise than as its true calendar date.

 

 (iii) to capture save or retain or correctly to process any data as a result of the operation of any command which has been programmed into any computer software being a command which causes the loss of data or  the inability to capture save retain or correctly to process such data on or after nay date.

 

 (iv) relating to any change alteration or modification involving the date change to the year 2000 or any other date change including leap year calculations to any such computer system hardware programme or software or any microchip integrated circuit or similar device in computer equipment or non-computer equipment.

 

(15) (i) loss, damage, cost or expense arising out of, resulting from, caused by, contributed to, or in any way related to the existence, inhalation or exposure to any "fungus/fungi" and/or "spore(s); or

 

       (ii) any cost or expense associated in any way, or arising out of the abatement, mitigation, remediation, containment, detoxification, neutralization, monitoring , removal, disposal, or any obligation to investigate or assess the presence or effects of any "fungus/fungi" or "spore(s)"; or

 

      (iii) any obligation to share with or repay any person, organization or entity, related in any way to items (i) and (ii) above.

Regardless of any other cause, event, material, product and/or building component that contributed concurrently or in any way sequence to the injury or damage.

For purposes of the Exclusion, the following definitions apply:

"Fungus/fungi" includes but is not limited to, any form or type or mould, mildew, mushroom, yeast or biocontainment.

"Spore(s)" includes but is not limited to any substance produced by, emanating from, or arising out of any "fungus/fungi"

 

(16) loss, damage, cost or expense directly or indirectly arising out of, resulting from, caused by or contributed to by Genetically Modified Organisms (GMO's).

For the purposes of this Exclusion, the term Genetically Modified Organisms (GMO's) shall mean and include:

 

 (i) organisms or micro-organisms or cells, or the organisms or micro-organisms, cells or cell organelles, from which they have been derived, which have been subject to a genetic engineering process which resulted in their genetic change.

 

 (ii) every biological or molecular unit with self replication potential, or biological or molecular unit with self replication potential from which they have been derived, which has been subject to genetic engineering process which resulted in its genetic change.

In the event that the definition of GMO's under the applicable laws and/or official regulations relating to genetic engineering or modification in any province, state or territory or jurisdiction in which a claim is made is wider than the foregoing then such wider definition shall be incorporated into this definition in addition to the foregoing.

This Exclusion applies regardless of any other contributing or aggravating cause or event that contributes concurrently or in any sequence to the loss, damage, cost or expense.

 

(17)  (i) loss, damage, cost or expense arising out of, resulting from, caused or contributed to by:

 

 (a) Transmissible Spongiform Encephalopathies (hereafter referred to as "TSE");

 

 (b) Exposure to TSE, or

 

 (c) Exposure to any item that is known or suspected to cause , contribute to or enable TSE;

        (ii) the cost of abatement, mitigation, removal or disposal of feed, feed additives or animals, or of any premises or equipment handling such items, as a result of any known or suspected connection between such items and TSE; or

        (iii) any costs related to a person's abatement, mitigation or removal of, or testing, medical monitoring medical costs or cure for TSE.

This Exclusion also includes:

 (a) any supervision, instructions, recommendations, warnings or advice given or which should have been given in connection with the above; and

 

 (b) any obligation to share damages with or repay someone else who must pay damages because of such injury or damage.

This Exclusion applies regardless of any other contributing or aggravating cause or event that contributes concurrently or in any sequence to the loss, damage, cost or expense.

 

(18) loss, damage, cost or expense directly or indirectly caused, contributed or aggravated by, arising out of or related in any way to:

The exposure to an electromagnetic field and/or electromagnetic radiation however caused or generated. 

Particularly, this Exclusion applies but is not limited to:

 

 (a) The consequence of disease or any other disturbance (whether physical or non-physical) in human beings

 

 (b) The interference with technical equipment , infrastructure and/or operations

 

 (c) A diminution of the value of property

 

(19) Liability arising from any condition directly or indirectly caused by or associated with Human T-Cell Lymphotropic Virus Type III (HTLV III) or Lymphadenopathy Associated Virus (LAV) or the mutants or derivatives or variations thereof or in any way related to Acquired Immune Deficiency Syndrome (AIDS) or any syndrome or condition of a similar kind howsoever it may be named. 

28,15,0,50,1
2,600,60,1,2000,1000,25,2000
90,300,0,50,12,25,50,1,70,12,1,50,1,0,1,5000
0,1,1,0,1,27,5,5,0,0,0,10,0,0