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output [MConverter.eu].json

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+{"Question": "What is the policy number of the Industrial All Risks coverage?","Answer": "The policy number of the Industrial All Risks coverage is 2022-F0250513-IAR-R001.","thought": "The policy number was explicitly mentioned in the policy information in the given document."},{"Question": "Who is the insured party for this policy?","Answer": "The insured party for this policy is AS STATED IN THE POLICY SCHEDULE.","thought": "The insured name is provided in the policy information. However, the specific name is not provided in the given document and it states to refer to the policy schedule."},{"Question": "What is the period of insurance?","Answer": "The period of insurance is from 28/05/2022 to 27/05/2023.","thought": "The period of insurance is directly provided under the details of the cover."},{"Question": "What is the total amount due for this policy?","Answer": "The total amount due for this policy is SGD 10,769.55.","thought": "The total amount due is mentioned under the heading 'Total Amount Due'. It includes both the gross premium and the GST."},{"Question": "What is the name of the insurance company providing this policy?","Answer": "The name of the insurance company providing this policy is Great Eastern General Insurance Limited.","thought": "I found the name of the insurance company at the end of the document. It specifies the company is a wholly-owned subsidiary of Great Eastern Holdings Limited."},{"Question": "What is the policy number?","Answer": "2022-F0250513-IAR-R001","thought": "The policy number is explicitly stated in the document and it is 2022-F0250513-IAR-R001"},{"Question": "When was the policy issued?","Answer": "25/08/2022","thought": "The document clearly mentions that the date of issue of the policy is 25/08/2022"},{"Question": "What is the total sum insured for all real and personal property?","Answer": "43,600,000.00","thought": "The given document clearly states that the total sum insured for all real and personal property is 43,600,000.00"},{"Question": "What kind of risk does risk number 001 IAR cover?","Answer": "Fire","thought": "The risk covered by the number 001 IAR is specified as fire in the document."},{"Question": "What is the location insured?","Answer": "212 CHOA CHU KANG NORTH 2 WELLS POINT, SINGAPORE 689986","thought": "The document clearly mentions the insured location as 212 CHOA CHU KANG NORTH 2 WELLS POINT, SINGAPORE 689986"},{"Question": "What is the sum insured on gross revenue?","Answer": "30,000,000.00","thought": "The specified sum insured on gross revenue provided in the document is 30,000,000.00"},{"Question": "What does AICOW stand for in the document?","Answer": "","thought": "The document does not provide any information on what the abbreviation AICOW represents in this context"},{"Question": "What is the indemnity period for Risk Number 002 IAR?","Answer": "24.0 months","thought": "The document clearly state that the indemnity period for Risk Number 002 IAR - Con Loss is 24.0 months"},{"Question": "What is the policy number and date of issue of the industrial all risks policy?","Answer": "The policy number is 2022-F0250513-IAR-R001 and it was issued on 25/08/2022.","Thought": "The policy number and the date of issue are clearly provided in the document. No need for further interpretation or lookups."},{"Question": "What is the limit for the Accidental Leakage or Spillage clause in the policy?","Answer": "The limit for the Accidental Leakage or Spillage clause in the policy is S$500,000.","Thought": "The limit for the Accidental Leakage or Spillage clause is explicitly stated in the document, no other information necessary."},{"Question": "Is there a set limit for the Acquired Companies or New Locations clause? If so, what is it?","Answer": "Yes, the limit for the Acquired Companies or New Locations clause is S$5,000,000.","Thought": "The limit for the Acquired Companies or New Locations clause is clearly specified in the document."},{"Question": "What is the percentage specified in the Average clause of the policy?","Answer": "The percentage specified in the Average clause of the policy is 85%.","Thought": "The percentage that applies in the Average clause is explicit in the policy. No additional information needed."},{"Question": "What is the limit for Appraisement Clause in the policy and does it have a condition?","Answer": "The limit for the Appraisement Clause in the policy is S$200,000 or 5% of the sum insured whichever is the lesser.","Thought": "The Appraisement Clause limit is clearly stated in the policy and comes with a condition to consider the lesser between its own limit and 5% of the sum insured."},{"Question": "What is the policy number of the insurance?","Answer": "The policy number of the insurance is 2022-F0250513-IAR-R001.","thought": "The policy number is clearly mentioned in the document."},{"Question": "When was the policy issued?","Answer": "The policy was issued on 25/08/2022.","thought": "The date of issue is directly given in the document."},{"Question": "What is the limit for the Civil Authority Clause?","Answer": "The limit for the Civil Authority Clause is S$1,000,000/-.","thought": "The limit value for the Civil Authority Clause is directly mentioned in the document."},{"Question": "What is the maximum limit for Cost of Demolition, Clearing and Erection of Hoardings Clause?","Answer": "The maximum limit for the Cost of Demolition, Clearing, and Erection of Hoardings Clause is S$500,000/-.","thought": "The maximum limit for this clause is explicitly stated in the document."},{"Question": "What is the address of the Great Eastern General Insurance Limited?","Answer": "The address of the Great Eastern General Insurance Limited is 1 Pickering Street, #01-01 Great Eastern Centre, Singapore 048659.","thought": "The address of the company is mentioned at the end of the information provided."},{"Question": "What is the policy number and date of issue?","Answer": "The policy number is 2022-F0250513-IAR-R001 and the date of issue is 25/08/2022.","Thought": "The requested information was clearly provided in the financial document. No redirection was needed."},{"Question": "What is the limit for Display and Exhibition clause within Singapore?","Answer": "The limit for Display and Exhibition clause within Singapore is S$500,000.","Thought": "The requested information was clearly provided in the financial document under the 'Display and Exhibition Clause' section."},{"Question": "What is the limit for Full Theft clause?","Answer": "The limit for Full Theft clause is S$1,000,000.","Thought": "The requested information was clearly provided in the financial document under the 'Full Theft Clause' section."},{"Question": "What is the address of Great Eastern General Insurance Limited?","Answer": "The address of Great Eastern General Insurance Limited is 1 Pickering Street, #01-01 Great Eastern Centre, Singapore 048659.","Thought": "The address was provided at the end of the document under the company's details."},{"Question": "What is the limit for Fire Brigade Charges?","Answer": "The limit for Fire Brigade Charges is S$100,000.","Thought": "The requested information was clearly specified in the financial document under the 'Fire Brigade Charges' section."},{"Question": "What is the policy number of the Industrial All Risks schedule?","Answer": "The policy number is 2022-F0250513-IAR-R001.","thought": "The policy number was provided in the document, hence no further information was needed."},{"Question": "What is the limit for Property in Transit clause?","Answer": "The limit for the Property in Transit clause within Singapore is S$500,000.","thought": "The limit for the Property in Transit clause was specified in the document. It is within Singapore and the limit is S$500,000."},{"Question": "What is the excess for the Landslip and Subsidence Clause?","Answer": "The excess for the Landslip and Subsidence Clause is S$15,000 for each and every occurrence.","thought": "The document defines the excess for the Landslip and Subsidence Clause. This excess applies to every individual occurrence."},{"Question": "What is the date of issue of the policy?","Answer": "The policy was issued on 25/08/2022.","thought": "The date of issue of the policy was given in the document. No additional information was needed to answer this question."},{"Question": "What is the limit for the Plate Glass clause?","Answer": "The limit for the Plate Glass clause is S$1,000,000.","thought": "The document provides the limit for the Plate Glass clause. No additional information was needed."},{"Question": "What is the policy number and date of issue outlined in the policy information?","Answer": "The policy number is 2022-F0250513-IAR-R001 and the date of issue is 25/08/2022.","Thought": "The policy number and the date of issue are clearly stated in the policy information section. No additional information required."},{"Question": "What is the excess limit for the Fusion Damage Clause?","Answer": "The excess limit for the Fusion Damage Clause is S$2,500/-.","Thought": "The limit for this clause is clearly stated in the document."},{"Question": "What is the limit for account receivable under business interruption?","Answer": "The limit for accounts receivable under business interruption is S$500,000/-.","Thought": "The limit for this specific clause is given in the document, no additional information needed."},{"Question": "What is the company name and address?","Answer": "The company name is Great Eastern General Insurance Limited and the address is 1 Pickering Street, #01-01 Great Eastern Centre, Singapore 048659.","Thought": "This information is visibly given in the document."},{"Question": "What is the limit set for the Denial of Access Clause?","Answer": "The limit set for the Denial of Access Clause is S$1,500,000/- for any one event.","Thought": "The limit for this specific clause is mentioned in the document, no further information required."},{"Question": "What is the policy number of this financial document?",  "Answer": "2022-F0250513-IAR-R001",  "thought": "The policy number was directly indicated in the financial information given. No need to redirect to another source."},{"Question": "What is the date of issue for the policy?",  "Answer": "25/08/2022",  "thought": "The date of issue was identified from the given document and there was no need for another source."},{"Question": "What is the limit for the Public Utilities Clause?",  "Answer": "S$1,000,000/- (Any one occurrence and in the annual aggregate)",  "thought": "The limit for the Public Utilities Clause was directly mentioned in the financial document provided. There was no need for another piece of information or to redirect to another source."},{"Question": "Who are the approved adjusters according to this document?",  "Answer": "1) Sedgwick Singapore Pte. Ltd.\n2) Crawford & Company International Pte Ltd\n3) McLarens Singapore Pte Ltd",  "thought": "The approved adjusters were clearly stated in the financial information given. This required no additional information or other sources."},{"Question": "What is the limit for the occurrence of Boiler and Pressure Vessel Explosion?",  "Answer": "S$2,000,000/- (Any one occurrence and in the annual aggregate)",  "thought": "The limit for Boiler and Pressure Vessel Explosion occurrence was directly stated in the provided financial document. There was no need for redirecting to another source."},{"Question": "What is the Policy number and its date of issue according to the document?","Answer": "The policy number is 2022-F0250513-IAR-R001 and it was issued on 25/08/2022.","Thought": "The policy number and date of issuance is clearly mentioned in the document. There is no need to refer to any other information."},{"Question": "What is the limit for the Electronic Equipment Breakdown & Extra Expenses clause?","Answer": "The limit for the Electronic Equipment Breakdown & Extra Expenses clause is S$1,000,000 for any one occurrence and in the annual aggregate.","Thought": "The limit is clearly stated in the financial document and does not require to refer to additional information."},{"Question": "Which company has issued this policy document?","Answer": "The policy document is issued by the Great Eastern General Insurance Limited.","Thought": "The issuing company's name is clearly mentioned at the end of the document."},{"Question": "What is the limit for Machinery Breakdown and Business Interruption following Machinery Breakdown & Extra Expenses for Singapore locations?","Answer": "The limit for Machinery Breakdown and Business Interruption following Machinery Breakdown & Extra Expenses for Singapore locations is S$2,000,000 for any one occurrence and in the annual aggregate.","Thought": "The limit is directly mentioned under the respective clause in the financial document, no other information is required."},{"Question": "What are some of the exclusions mentioned in the policy document?","Answer": "The exclusions mentioned in the policy document are Biological or Chemical materials exclusion - NMA 2962 and Communicable Disease Exclusion Endorsement - LMA 5393.","Thought": "The exclusions are clearly mentioned in the policy document under the 'Exclusions' section. There is no need to refer to other sources for this information."},{"Question": "What is the policy number mentioned in the document?","Answer": "The policy number is 2022-F0250513-IAR-R001.","thought": "The Policy No. is explicitly mentioned in the document."},{"Question": "When was the policy issued?","Answer": "The policy was issued on 25/08/2022.","thought": "The date of issue is directly taken from the information provided in the document."},{"Question": "Which company is issuing this insurance policy?","Answer": "The insurance policy is issued by Great Eastern General Insurance Limited.","thought": "The company name is mentioned in the document's footer."},{"Question": "In whose jurisdiction does this insurance policy fall under?","Answer": "This insurance policy falls under the exclusive jurisdiction of the courts of Singapore.","thought": "The jurisdiction is clearly stated in the 'JURISDICTION' section of the document."},{"Question": "What law governs this insurance?","Answer": "This insurance policy is governed by the laws of Singapore.","thought": "The governing law is stated explicitly in the 'PROPER LAW' section of the document."},{"Question": "What is the company's contact number?","Answer": "The contact number of the company is +65 6248 2888.","thought": "The contact number is clearly provided in the company's information footer."},{  "Question": "What is the policy number of the industrial all risks insurance?",  "Answer": "The policy number of the industrial all risks insurance is 2022-F0250513-IAR-R001.",  "Thought": "The policy number was directly mentioned in the given document, making it straightforward to provide the answer. There's no need for an additional research or context."},{  "Question": "What is the deductible for water damage under Section 1 - Material Damage?",  "Answer": "The deductible for water damage under Section 1 - Material Damage is S$ 1,500.00.",  "Thought": "This information was directly mentioned in the provided document under Section 1 - Material Damage, Hence there was no need for additional context."},{  "Question": "What is the duration of business interruption due to denial of access?",  "Answer": "The business interruption due to denial of access lasts for 5 days.",  "Thought": "This information was directly stated in the provided document under 'Section 2 - Business Interruption'. There was no need for any additional context or research."},{  "Question": "Who is the insured entity in this policy?",  "Answer": "The insured entity in this policy is Spring Water Pte. Ltd. as mortgagor and DBS Bank Ltd. as mortgagee and/or Arch Capital Property Advisors Co. Ltd. and/or Trust fund, fund entity, corporation and/or associated and/or subsidiaries as they may exist or hereinafter be constituted. Any corporation partnership, joint venture or other entity for whom the insured has an interest in.",  "Thought": "The insured entity was directly stated in the document so I've taken the information from there. There was no need for additional research."},{  "Question": "What is the name of the insurance company and its address?",  "Answer": "The insurance company's name is Great Eastern General Insurance Limited, a wholly-owned subsidiary of Great Eastern Holdings Limited. It is located at 1 Pickering Street, #01-01 Great Eastern Centre, Singapore 048659.",  "Thought": "The name and address of the insurance company were provided in the document. No additional information was required."},{"Question": "What is the policy number of the industrial all risks insurance?","Answer": "The policy number is 2022-F0250513-IAR-R001.","Thought": "The policy number is directly given in the document, no other information needed."},{"Question": "When was the industrial all risks policy issued?","Answer": "The policy was issued on 25/08/2022.","Thought": "The date of issue of the policy is directly given in the document, no other information needed."},{"Question": "Who underwrites the industrial all risks insurance?","Answer": "The insurance is underwritten by Great Eastern General Insurance Limited.","Thought": "The underwriter is mentioned at the bottom of the document. No other information required."},{"Question": "Who should the insured party contact for any queries or issues?","Answer": "The insured party can contact Great Eastern General Insurance Limited at +65 6248 2888 or fax them at +65 6327 3080. Alternatively, they can access further information on greateasterngeneral.com.","Thought": "The contact details and official website of the underwriter are mentioned in the document. No further information is required."},{"Question": "What is the registration number of Great Eastern General Insurance Limited?","Answer": "The company registration number is 1920 00003W.","Thought": "The company registration number is mentioned in the document. No further information required."},{"Question": "What is the maximum liability of the company under the policy?","Answer": "The liability of the company under this policy shall not exceed the total sum insured or in respect of any item, its sum insured or any other limit of liability stated in the Schedule at the time of the loss, destruction or damage. The sum insured (or limit) remaining after deduction for any other loss, destruction or damage occurring during the same period of insurance, unless the company shall have agreed to reinstate any such sum insured (or limit).","Thought": "The information for this question was directly provided in the document which gives a clear indication of the maximum liability of the company under the policy."},{"Question": "What is the insurance cover provided under this policy based on?","Answer": "The insurance cover provided under this policy is based on the information the Proposer has provided to the company.","Thought": "The information was directly specified under the 'IMPORTANT NOTICE' section in the document. Thus no extra information or inferences were required."},{"Question": "What happens if any error or misdescription is found in the policy?","Answer": "If any error or misdescription is found, the policy should be returned to the issuing office for correction.","Thought": "The clear instruction for this scenario is provided in the document under the 'IMPORTANT NOTICE' section. So no extra thought process was necessary to generate this answer."},{"Question": "What does 'DAMAGE' refer to in the context of this policy?","Answer": "In the context of this policy, 'DAMAGE' refers to the loss, destruction or damage to the Property Insured.","thought": "The definition of 'DAMAGE' is directly mentioned in the given document. So, there's no requirement to gather info from any other resources."},{"Question": "What does 'Defined Peril' mean in this policy?","Answer": "The 'Defined Peril' in this policy refers to events such as fire, lightning, explosion, aircraft or other aerial devices or articles dropped therefrom, riot, civil commotion, strikers, locked-out workers, persons taking part in labour disturbances, malicious persons other than thieves, earthquake, storm, flood, escape of water from any tank apparatus or pipe, or impact by any road vehicle or animal.","thought": "The definition of 'Defined Peril' is provided in the financial information. No additional information is needed."},{"Question": "What kind of DAMAGE does this policy not cover?","Answer": "This policy does not cover DAMAGE caused by or consisting of inherent vice, latent defect, gradual deterioration, wear and tear, frost, change in water table level, its own faulty or defective design or materials, faulty or defective workmanship, operational error or omission on the part of the Insured or any of his employees, acts of fraud or dishonesty by the Insured’s employees, and several other conditions as listed in the document.","thought": "The exclusions are mentioned in the document. There is no need for extra information."},{"Question": "Does this policy cover DAMAGE caused by theft?","Answer": "No, this policy does not cover DAMAGE caused by or consisting of theft or attempted theft.","thought": "The information is included in the Exclusions section of the document."},{"Question": "Does this policy cover DAMAGE caused by pollution or contamination?","Answer": "The policy does not cover loss, destruction, or damage caused by pollution or contamination, unless the pollution or contamination itself results from a Defined Peril, or a Defined Peril results from pollution or contamination.","thought": "The information is laid out in the document. No additional information from other sources is required."},{"Question": "What is considered as DAMAGE in respect of movable property?","Answer": "DAMAGE in respect of movable property in the open, fences and gates is caused by wind rain hail sleet snow flood or dust.","thought": "No other information is needed, the answer is directly included in the given information."},{"Question": "What types of DAMAGE is caused by freezing, escape of water, or malicious persons?","Answer": "The DAMAGE caused by freezing, escape of water from any tank apparatus or pipe and the DAMAGE caused (other than by fire or explosion) by malicious persons not acting on behalf of or in connection with any political organization can occur to any building which is empty or not in use.","thought": "No additional information needed. The answer provides direct information from the document."},{"Question": "What property is mentioned in point 11?","Answer": "Vehicles licensed for road use (including accessories thereon) caravans trailers railway locomotives rolling stock watercraft or aircraft, property or structures in course of construction erection or alteration and materials or supplies in connection with all such property in course of construction erection or alteration, land roads pavements piers jetties bridges culverts or excavations, livestock growing crops or trees are mentioned in point 11.","thought": "No additional information needed. The answer provides direct information from the document."},{"Question": "What scenarios does the policy not cover?","Answer": "The policy does not cover DAMAGE found under certain conditions, such as destruction caused by war, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection, military or usurped power, nationalization, confiscation, requisition, seizure or destruction by government or public authority. Also, loss or damage directly or indirectly caused by or contributed to by or arising from ionizing radiations or contamination by radioactivity from nuclear fuel or nuclear waste from nuclear fuel combustion, or the radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.","thought": "No additional information is needed. The answer provides direct information from the document."},{"Question": "What does 'unlawful association' mean in the context of the policy?","Answer": "'Unlawful association' refers to any organisation which is engaged in terrorism and includes an organization which at any relevant time is a proscribed organization within the meaning of the Northern Ireland (Emergency Provisions) Act 1973.","thought": "The answer was extracted directly from the text without needing prior knowledge or extra information from outside the source text."},{"Question": "What does the term 'terrorism' stand for in this policy?","Answer": "In the context of this policy, 'terrorism' refers to the use of violence for political ends and it also includes any use of violence for the purpose of putting the public or any section of the public in fear.","thought": "The answer was taken directly from the provided text. No information or knowledge from outside the text was required to answer this question."},{"Question": "What is excluded from Property damage as per the 'Clarification Agreement' in this policy?","Answer": "According to the 'Clarification Agreement' in this policy, 'Property damage' does not include damage to data or software, and also any detrimental change in data, software or computer programs that is caused by a deletion, a corruption or a deformation of the original structure.","thought": "I used the information under the 'Clarification Agreement' in the document to generate the answer. No external information was required."},{"Question": "What are the conditions under which a Communicable Disease is considered in the policy?","Answer": "According to this policy, a Communicable Disease is any disease which can be transmitted by means of any substance or agent from any organism to another organism. The substance or agent includes, but is not limited to, a virus, bacterium, parasite or other organism or any variation thereof, whether deemed living or not. The transmission can be direct or indirect, including airborne, bodily fluid transmission, transmission from or to any surface or object, solid, liquid or gas or between organisms. The disease, substance or agent can cause or threaten damage to human health or human welfare or can cause or threaten damage to, deterioration of, loss of value of, marketability of or loss of use of property insured under this policy.","thought": "The answer describes comprehensively the conditions under which a Communicable Disease is considered based on the information provided in text under 'Communicable Disease Exclusion'. No additional knowledge was needed."  },{"Question": "What does the term 'Computer System' refer to?", "Answer": "A Computer System refers to any computer, hardware, software, application, process, code, programme, information technology, communications system or electronic device owned or operated by the Insured or any other party. This includes any similar system and any associated input, output or data storage device or system, networking equipment or back up facility.", "Thought": "The definition of 'Computer System' is clearly provided in the document, there is no need for redirection to another source."},{"Question": "What is a 'Cyber Act' as per this contract?", "Answer": "A 'Cyber Act' refers to an unauthorised, malicious or criminal act or series of related unauthorised, malicious or criminal acts, regardless of time and place, or the threat or hoax thereof involving access to, processing of, use of or operation of any Computer System.", "Thought": "The definition of 'Cyber Act' is clearly stated in the document, so no redirection to another source is necessary."},{"Question": "Does this insurance policy cover Cyber Losses resulted from Cyber Act?", "Answer": "No, this contract excludes any Cyber Loss due to a Cyber Act.", "Thought": "The information is clearly stated in the document, specifically under the 'Cyber Loss (First Party) Exclusion' section."},{"Question": "Under what conditions will the policy provide cover for Cyber Loss?", "Answer": "The policy will provide cover for Cyber Loss in its totality if there is no evidence that the Cyber Loss is resulting from any Cyber Act.", "Thought": "The information clearly stated in the document, elaborating the conditions under which the policy will provide cover for Cyber Loss."},{"Question": "What does the contract exclude under 'Electronic Date Exclusion'?", "Answer": "This contract does not cover any loss or damage directly or indirectly caused by or consisting of failure or inability of any computer, electronic equipment, data processing or media, microchip, embedded chip, integrated circuit or similar device, or firmware or any computer software, to recognize any date as its true calendar date, capture, save or retain, and/or correctly manipulate, interpret or process any data or command or instruction as a result of treating any date otherwise.", "Thought": "The information is found under the 'Electronic Date Exclusion' section. The entirety of what is excluded under this section has been provided in the answer."},{"Question": "What does ‘Sanction Limitation and Exclusion’ mean?", "Answer": "No insurer shall be deemed to provide cover and no insurer shall be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit may expose the insurer to the risk of or result in any breach or violation of, or non-compliance with, any sanction, prohibition or restrictions imposed by any state or transnational organization.", "Thought": "The 'Sanction Limitation and Exclusion' clause is clear in the document. It states the limitations and potential exclusions of insurer's liability in case of any breach or violation of any sanction, prohibition, restriction or regulation imposed by any state or transnational organisation."}, {"Question": "What conditions result in an insured party being referred to as a 'Restricted Party'?", "Answer": "An insured party is referred to as a 'Restricted Party' if they are designated or listed as a person subject to sanctions.", "Thought": "The contract defines a 'Restricted Party' under 'Sanction Limitation and Exclusion', explaining that they are subject to sanctions. Additional information on the specific sanctions would be required for a more comprehensive answer."},{"Question": "What will the insurer do if the insured violates any local or foreign law for sanctions?","Answer": "The insurer has rights and the right to exercise any one or more of the following remedies against the Insured: (i) cancel, terminate, void and/or nullify any policy, contract, transaction or business; (ii) liquidate and/or close-out any financial product or investment; (iii) withhold and/or suspend any payment, transfer and/or receipt of any money, refund or benefit; (iv) decline and/or refuse any transaction or request; and/or (v) take or refrain from taking any step or action necessary to eliminate, reduce or minimise the risk of any breach or violation of any Sanctions or exposure to any Sanctions.","thought": "The financial information provided in the document provides details about different actions the insurer can take in case of any violation of rules by the insured. These actions are varied and depend on the discretion of the insurer."},{"Question": "What happens if at the time of damage, the insured had contracted to sell his interest in any building insured and the purchase is not yet completed?","Answer": "The purchaser, on completion of the purchase, will be entitled to benefit under this policy without prejudice to the rights and liabilities of the Insured or the Company until completion, given that the property is not otherwise insured against such damage by him or on his behalf.","thought": "The document indicates that in cases where a property under insurance is under a sell contract but is not completed at the time of damage, the perspective buyer will be able to benefit from the policy in case they haven't insured the property against such damage elsewhere."},{"Question": "What does the 'Terrorism Exclusion' clause stand for?","Answer": "The 'Terrorism Exclusion' clause dictates that the insurance will exclude 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. An act of terrorism is defined as an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), 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.","thought": "The document provides an explicit definition and explanation of what constitutes 'Terrorism Exclusion'. This clause indicates that the policy does not cover any costs associated with an act of terrorism. The burden of proving the contrary shall be upon the Insured."},{"Question": "How can this insurance policy be cancelled by the Company?","Answer": "This insurance policy may be cancelled by the Company by sending thirty (30) days’ notice by sending a registered letter to the Insured’s last known address.","thought": "The information is taken directly from the document, which explicitly states the method of policy cancellation by the Company."},{"Question": "What happens when the premium due is not paid within 60 days?","Answer": "If any premium due is not paid and actually received in full by the Company within the 60-day period, the cover under the Policy, Renewal Certificate, Cover Note or Endorsement is automatically terminated immediately after the expiry of the said 60-day period. Also, the Company shall be entitled to a pro-rata time on risk premium subject to a minimum of S$25.00.","thought": "The response is directly from the document in the 'Premium Payment Warranty' section, no external information needed."},{"Question": "What is the consequence of non-compliance with any warranty?","Answer": "Non-compliance with any such warranty in so far as it increases the risk of DAMAGE shall be a bar to any claim in respect of such DAMAGE. This applies and continues to be in force during the whole currency of this policy.","thought": "The information is stated in the 'Warranties' section of the document. It doesn't require any external data."},{"Question": "What conditions must be met for the validation of this policy?","Answer": "The validation of this policy is subject to the condition that: for the risk insured the named insured has never had any insurance termination in the last twelve (12) months due solely or in part to a breach of any premium payment condition or if the named insured has declared that it has breached any premium payment condition in respect of a previous policy taken up with another insurer in the last twelve (12) months: The named insured has fully paid all outstanding premium for time on risk calculated by the previous insurer based on the customary short period rate in respect of the previous policy, and a copy of the written confirmation from the previous insurer to this effect is first provided by the named insured to the Company before cover incepts.","thought": "The information is taken from the 'Condition Precedent' section of the document directly, requiring no additional information."},{"Question": "What law and practice is this Policy governed by?","Answer": "This Policy is governed by the Singapore law and practice.","thought": "The answer is directly fetched from the 'Jurisdiction' section of the document. No additional information is needed."},{"Question": "What is the insured required to do in the event of damage?","Answer": "To handle a damage situation well, the insured is required to take a number of active roles such as notifying the company and the police authority immediately. They need to take reasonable actions to prevent further damage, deliver relevant information about the lost, destroyed or damaged property, and the amount of damage to the insurer. Details about any other insurances of the insured should also be conveyed. Proofs and information relating to the claim that may be required should also be submitted. The insured is also obliged to provide a statutory declaration of the truth of the claims and related matters upon demand.","thought": "The information is explicitly stated in the document under the first claim condition - Action by the Insured."},{"Question": "Where will disputes arising from the policy be referred to?","Answer": "Disputes arising from the policy will first be referred to the Financial Industry Disputes Resolution Centre Ltd (FIDReC). In case the dispute cannot be dealt with by FIDReC, it will then be resolved by arbitration in Singapore, as per the Arbitration Rules of the Singapore International Arbitration Centre (SIAC Rules). The arbitration will take place in English and the tribunal will consist of three arbitrators.","thought": "This information is outlined under clause 2 - Arbitration."},{"Question": "What will happen if a claim is found fraudulent?","Answer": "If any claim is found to be fraudulent, or if any fraudulent means are used by the insured or anyone acting on their behalf to obtain any benefit under the policy, or if any damage is caused deliberately by the insured, all benefits under this policy will be forfeited.","thought": "Clause 4 - Fraud, specifically stipulates what happens when a claim is identified as fraudulent."},{"Question": "When can the Company take possession of the damaged property?","Answer": "In any case of damage for which a claim is made, the Company and anyone authorized by the company may enter the premises and take possession of any insured property. This can happen without incurring any liability or diminishing any of the Company’s rights under the policy, provided that the terms of this condition have been adhered to.","thought": "This aspect is highlighted in Clause 5 under the section entitled 'Insurer’s Rights following a Claim'."},{"Question": "What is the obligation of the insured if the property is to be reinstated by the Company?","Answer": "If any property is to be reinstated or replaced by the company, the insured is required to provide, at his own expense, all plans, documents, books, and information that may be reasonably required. However, the company is not obliged to reinstate exactly, but as circumstances permit and in a reasonably sufficient manner.","thought": "Such obligations are explicitly detailed in clause 6 - Reinstatement."},{"Question": "What is the procedure to enforce rights against other parties in the name of the insured?","Answer": "Any claimant under this policy is instructed to take and permit to be taken all required steps for enforcing rights against any other party in the name of the insured, both before or after a payment is made by the company. This is to be done at the request and expense of the company.","thought": "This information is found under clause 7 - Subrogation. However, the document does not elaborate on the specific steps to be taken, suggesting the need for further information from the company or a legal advisor."},{"Question": "What happens if the insured's business is interrupted or interfered with due to the accidental loss, destruction or damage of the property?","Answer": "If the insured's business at the Premises is interrupted or interfered due to the accidental loss, destruction, or damage of the property during the period of insurance, the Company will pay the insured for the amount of loss resulting from such interruption or interference. This is provided that an insurance covering the interest of the Insured in the property at the Premises against such loss, destruction or damage is in force at the time of the loss, and that payment for the aforementioned loss has been made or liability was admitted for it. The amount paid will not exceed the total sum insured, or the limit remaining after deduction for any other interruption occurring during the same period of insurance, unless the Company has agreed to reinstate the sum insured.","thought": "The document does not provide any specific figures for the total amount insured or any other limits which might be in place for this policy. Therefore, these figures can't be specified in the answer without assuming or redirecting to other sources not provided in the document."},{"Question": "What is covered under this policy?","Answer": "This policy covers for business interruption or business interference as a consequence of accidental loss, destruction, or damage to the insured's business property at the premises during the period of insurance.","thought": "The document clearly outlines the coverage of the policy, which mainly revolves around any interruption or interference to the insured's business due to an accidental loss, destruction or damage of their property at the premises during the period of the insurance. There's no additional information needed as the document suffices this."},{"Question": "What is the insured required to do after receiving the policy?","Answer": "The insured is required to read the policy thoroughly. If any error or misdescription is found, the policy should be returned to the issuing office for correction.","thought": "The document provides specific instructions about what the insured is expected to do after receiving the policy. There's no inconsistency or uncertainty as the document provides all the necessary details regarding this aspect."},{"Question": "What does 'CONSEQUENTIAL LOSS' mean in the given financial document?","Answer": "In the given document, 'CONSEQUENTIAL LOSS' refers to any loss resulting from interruption of or interference with the Business carried on by the Insured at the Premises in consequence of loss or destruction of or damage to property being used at the Premises for the purpose of the Business.","Thought": "The answer is straightforward from the definition provided in the document."},{"Question": "What is meant by 'Defined Peril' in the context of this policy?","Answer": "The term 'Defined Peril' refers to fire, lightning, explosion, aircraft or other aerial devices or articles dropped therefrom, riot, civil commotion, strikers, locked-out workers, persons taking part in labour disturbances, malicious persons other than thieves, earthquake, storm, flood, escape of water from any tank apparatus or pipe or impact by any road vehicle or animal.","Thought": "The definition of 'Defined Peril' is explicitly provided in the document."},{"Question": "What are some exclusions to the 'CONSEQUENTIAL LOSS' coverage in this policy?","Answer": "This policy does not cover 'CONSEQUENTIAL LOSS' caused by or consisting of inherent vice, latent defect, gradual deterioration, wear and tear, frost, change in water table level, bursting by steam pressure of any vessel machine or apparatus not being a boiler on the premises or a boiler used for domestic purposes only, pressure waves caused by aircraft or other aerial devices traveling at sonic or supersonic speeds, acts of fraud or dishonesty by the Insured’s employees, mechanical or electrical breakdown, loss resulting from pollution or contamination, and others.","Thought": "The document clearly states the exclusions to the policy which can be directly stated in the answer."},{"Question": "Are losses caused by the Insured's employee's fraud or dishonesty covered?","Answer": "Acts of fraud or dishonesty by the Insured’s employees are not covered under the insurance policy, unless such consequential loss results from a Defined Peril.","Thought": "The document states this exception to the exclusions, which pertains to the question."},{"Question": "What types of consequential losses are excluded from the coverage?","Answer": "Consequential losses caused by or consisting of subsidence ground heave or landslip unless resulting from specific incidents, normal settlement or bedding down of new structures, disappearance or unexplained inventory shortage, deliberate erasure loss distortion or corruption of information on computer systems by rioters strikers locked-out workers, destruction of or damage to a building by its own collapse or cracking, in respect of movable property caused by wind rain hail sleet snow flood or dust, fire resulting from any heating process, or caused by freezing, escape of water and malicious persons not acting on behalf of any political organization, especially for any building which is empty or not in use, damage to objects like fixed glass, china, marble, computers, vehicles etc., livestock growth, land roads and so on. Moreover, consequential losses caused by war, invasion, rebellion, revolution, nationalization confiscation requisition seizure or destruction by the government are not included.","thought": "The question outlines all the exceptions to the consequential loss coverage listed in the document. No additional information needed."},{"Question": "What are the consequences resulting from the Defined Peril that are not excluded?","Answer": "Consequential loss resulting from fire, explosion, earthquake or escape of water from any tank, apparatus or pipe, distortion or corruption of information on computer systems or other records programs or software resulting from a Defined Peril, loss resulting from collapse or cracking of a building due to a Defined Peril, consequential loss caused by a Defined Peril on certain listed objects and properties such as fixed glass, computer equipment, vehicles, property or structures under construction, livestock, and crops are all covered if they are not otherwise excluded.","thought": "The question asked for the list of consequences resulting from a Defined Peril included in the coverage. All information required was provided in the original document."},{"Question": "What does the term 'unlawful association' refer to as per the policy exclusion?","Answer": "\"Unlawful association\" refers to any organisation which is engaged in terrorism and includes an organisation which at any relevant time is a proscribed organization within the meaning of the Northern Ireland (Emergency Provisions) Act 1973.","thought": "The document explicitly defines 'unlawful association'. No further document appears to be needed to answer this."},{"Question": "What kind of damage to property is not covered under this Agreement according to the clarification agreement information?","Answer": "Physical damage to the substance of property shall not include damage to data or software, in particular any detrimental change in data, software or computer programs that is caused by a deletion, a corruption or a deformation of the original structure.","thought": "The document explicitly states what is not covered. The answer does not require any further information not present in the document."},{"Question": "What is excluded from this agreement with respect to data and software?","Answer": "Loss of or damage to data or software, in particular, any detrimental change in data, software or computer programs that is caused by a deletion, a corruption or a deformation of the original structure, and any business interruption losses resulting from such loss or damage are excluded.","thought": "The details are clearly mentioned in the document under the Clarification Agreement, no additional details are required from outside the document."},{"Question": "What does 'Communicable Disease' mean in terms of this policy?","Answer": "A Communicable Disease, in the context of this policy, refers to any disease that can be transmitted by means of any substance or agent from one organism to another. It includes, but isn't limited to, a virus, bacterium, parasite or other organism or any variation thereof, whether deemed living or not. The method of transmission can be direct or indirect, including airborne transmission, bodily fluid transmission, transmission from or to any surface or object, solid, liquid or gas or between organisms.","thought": "The document gives a concise definition of 'Communicable Disease'. There is no need for extra information from outside the document."},{"Question": "What does the policy state about the enforcement of its terms by third parties?","Answer": "The policy explicitly states that a person who is not a party to this contract shall have no right under The Contracts (Rights of Third Parties) Act (Chapter 53B) to enforce any of its terms.","thought": "The document provides a direct answer. There's no need for further information."},{"Question": "What is a Cyber Loss?", "Answer": "Cyber Loss means any loss, damage, liability, expense, fines or penalties or any other amount directly or indirectly caused by the use or operation of any Computer System or Computer Network, the reduction in or loss of ability to use or operate any Computer System, Computer Network or Data, access to, processing, transmission, storage or use of any Data, inability to access, process, transmit, store or use any Data, any threat of or any hoax relating to these, and any error or omission or accident in respect of any Computer System, Computer Network or Data.", "Thought": "The answer has been derived from the user provided document. As per the document, a Cyber Loss is directly or indirectly related to any activity involving a Computer System, Computer Network or Data. This comprehensive definition includes, but is not limited to, losses due to usage, operation, threats, hoaxes, and errors or omissions of the mentioned entities."},{"Question": "What does the insurance contract exclude under 'Cyber Loss (First Party) Exclusion'?", "Answer": "The insurance contract excludes any Cyber Loss due to Cyber Act. However, if there is no evidence that the Cyber Loss is a result of any Cyber Act, then the policy will provide cover in its totality.", "Thought": "The information is present in the document. As per the document, the contract does not cover any loss due to a Cyber Act. However, if there is no proof that the Cyber Loss happened as a result of the Cyber Act, then the policy would cover the loss completely."},{"Question": "What is the definition of a Computer Network as per the given financial information?", "Answer": "A Computer Network means a group of Computer Systems and other electronic devices or network facilities connected via a form of communications technology, including the internet, intranet, and virtual private networks (VPN), allowing the networked computing devices to exchange Data.", "Thought": "The definition of 'Computer Network' is clearly given in the document. It includes a group of Computer Systems and other electronic devices or network facilities that are interconnected using various communication technologies and allow exchange of Data."},{"Question": "What is included in 'Electronic Date Exclusion' in the insurance policy?", "Answer": "The insurance does not cover any consequential loss directly or indirectly caused by or consisting of or arising from the failure or inability of any computer, electronic equipment, data processing or media, microchip, embedded chip, integrated circuit or similar device, or firmware or any computer software, to correctly recognize any date as its true calendar date, capture or process any data due to date issues, or process any data as a result of certain programmed commands.", "Thought": "The answer is directly found in the financial document. The insurance policy excludes any consequential loss that arises from any system's failure to manage date-related functions correctly or perform certain programmed commands. This encompasses hardware, such as computers, electronic equipment, microchips, and software."},{"Question": "What is 'Sanctions' as per the 'Sanction Limitation and Exclusion'?", "Answer": "Sanctions, as per this document, refer to any sanction, prohibition, restriction or regulations imposed by any state or transnational organisation including but not limited to the United States of America, the United Nations, the European Union, the United Kingdom, the Republic of Singapore and any state or country where the insurer or its related entity carries on business.", "Thought": "The answer is in the document. As per this financial information, 'Sanctions' relates to any prohibitions, restrictions, or regulations that have been imposed by either a state, a transnational organization such as the United Nations, European Union, or any other place where the insurer carries out its business."},{"Question": "What happens if the Insured is a 'Restricted Party'?", "Answer": "If the Insured is a 'Restricted Party', the insurer reserves the right to take one or more actions. These can include canceling, terminating, voiding, or nullifying any policy, contract, transaction or business, liquidating or closing-out any financial product or investment, withholding or suspending any payment, transfer, or receipt of any money, refund or benefit, declining or refusing any transaction or request, and taking or refraining from taking any step or action.", "Thought": "The information is directly taken from the document. As per the financial document, if the insured is a 'Restricted Party', the insurer has the discretion to take several actions that can significantly impact the contract. These actions are wide-ranging and can severely limit the beneficiary's benefits under the insurance agreement."},{"Question": "What does the Insurance policy exclude under the Terrorism Exclusion?",  "Answer": "The insurance policy excludes loss, damage, cost or expense of any nature that is either directly or indirectly caused by, resulting from or in connection with any act of terrorism. It also excludes any actions taken in response to an act of terrorism, like controlling, preventing, or suppressing the act.",  "Thought": "The document provides clear information about what is excluded under the Terrorism Exclusion, so no further information from other sources are needed. "},{"Question": "Who bears the burden of proving a loss, damage, cost or expense is not covered by the insurance, in case of a dispute?", "Answer": "In case of a dispute, the burden of proving the insurance coverage falls upon the Insured.", "Thought": "The document clearly mentions that the insured is responsible for proving the coverage in case of a dispute, additional information is not required."},{"Question": "What circumstances can lead to the avoidance of this insurance policy?", "Answer": "The insurance policy can be voided if after commencement of the insurance the business is wound up, carried on by a liquidator or receiver, permanently discontinued, the interest of the Insured ceases or any alteration is made, increasing the risk of loss destruction or damage, unless admitted by the Insurer in writing.", "Thought": "The information explain circumstances that can void the insurance policy, no other information beyond this document is needed. "},{"Question": "Under what conditions can this insurance be cancelled by both the Company and the Insured?", "Answer": "The insurance can be cancelled by the Company by sending thirty (30) days’ notice by a registered letter to the Insured. The Insured can cancel the policy by sending thirty (30) days’ notice to the Company in writing, provided no claim has arisen during the current period.", "Thought": "All the information required to understand the conditions of cancellation is in the document."},  {"Question": "Which law and jurisdiction govern this policy?", "Answer": "This policy is governed by the Singapore law and practice and any disputes arising from this policy will be exclusively subject to the Republic of Singapore’s jurisdiction.", "Thought": "The document clearly states the jurisdiction and governing law, so extra information is not needed."},{"Question": "What happens if the premium due is not paid within the specified 60 days?","Answer": "If any premium due is not paid and actually received in full by the Company within the 60-day period, the cover under the Policy, Renewal Certificate, Cover Note or Endorsement is automatically terminated immediately after the expiry of the said 60-day period. The automatic termination is still without prejudice to any liability incurred within the said 60-day period and the Company shall be entitled to a pro-rata time on risk premium minimum of S$25.00.","thought": "The given information explains the consequences of not paying the premium within the specified 60 days, no additional outside information required to answer this question."},{"Question": "What is a condition precedent for the validity of the policy?","Answer": "The policy's validity is subject to two conditions. First, the named insured should not have had any insurance termination due to breach of premium payment condition for the past twelve months. Second, if the named insured has declared that it has breached any premium payment condition for a previous policy with another insurer, two requirements must be met. They should have fully paid all outstanding premium for time on risk calculated by the previous insurer, and they must provide a written confirmation from the previous insurer stating the same to the current company before the cover incepts.","thought": "The Condition Precedent part of the document clearly outlines what requirements need to be met for the policy to be valid. No additional information from outside sources is needed."},{"Question": "What actions does the Insured need to take in the event of a loss, destruction or damage which may result in a claim?","Answer": "The insured must i) notify the Company immediately, ii) deliver full details of loss destruction or damage caused by certain disruptive events to the company within 7 days at their own expense, iii) carry out any action which may reasonably be practicable to minimize or check any interruption to the Business or to avoid or diminish the loss.","thought": "The information on required action from insured's end is laid out in the policy details, hence no external information is required."},{"Question": "Where are disputes regarding the policy referred to?","Answer": "Any dispute arising out of or in connection to the policy, including any question regarding its existence, validity or termination, is referred to Financial Industry Disputes Resolution Centre Ltd (FIDReC), as long as the dispute can be brought before FIDReC.","thought": "The given document clearly specifies in the Arbitration clause where disputes related to the policy are to be addressed. There’s no need to bring any information from outside."},{"Question": "What is the procedure if a dispute cannot be dealt with by FIDReC?","Answer": "If a dispute cannot be dealt with by FIDReC, it will be referred to and finally resolved by arbitration in Singapore in accordance with the Arbitration Rules of the Singapore International Arbitration Centre (SIAC Rules).","Thought": "The document clearly outlines the procedure for disputes that can't be handled by FIDReC. The answer doesn't need further information from outside the document."},{"Question": "How many arbitrators will the Tribunal consist of according to the financial document?","Answer": "The Tribunal shall consist of three arbitrators.","Thought": "The answer was clear and didn't require any additional information outside the document."},{"Question": "What are the implications of a fraudulent claim under this policy?","Answer": "If a claim is fraudulent in any respect or if fraudulent means are used by the Insured or by anyone acting on his behalf to obtain any benefit under the policy, all benefits under this policy shall be forfeited.","Thought": "The document clearly explains the implications of a fraudulent claim. There was no need to reference additional information outside of the document for this response."},{"Question": "What is the role of the policy holder in the event of a claim, according to the 'Subrogation' clause?","Answer": "Any claimant under this policy shall, at the request and expense of the Company, take and permit to be taken all necessary steps for enforcing rights against any other party in the name of the Insured before or after any payment is made by the Company.","Thought": "The document provides specific steps that a claimant must take in event of a claim as per the 'Subrogation' clause. It didn't require more information from another document."},{"Question": "What is the policy on multiple instances of insurance covering the same loss, as per the 'Contribution' clause?","Answer": "If there are other insurances covering the same loss or any part of it, the liability of the Company hereunder would be limited to its rateable proportion of such loss.","Thought": "The 'Contribution' clause in the document clearly outlines the policy's approach in a situation where multiple insurances cover the same loss. The reply doesn't require any additional information from outside the document."},