texts
""
"{""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.""}"
"{""Question"": ""What is the cost of the used D6R-3 bulldozer bought in 2007?"",""Answer"": ""$78,732.00"",""Thought"": ""The cost information is directly mentioned along with the description of the used D6R-3 bulldozer.""},"
"{  ""Question"": ""What is the limit of liability for any one occurrence under the personal & family liability risk?"",  ""Answer"": ""The limit of liability for any one occurrence under the personal & family liability risk is SGD 2,000,000."",  ""thought"": ""The limit of liability was stated under the 'Personal & Family Liability Risk' section in the document. The amount provided was listed as the 'Limit Any One Occurrence'.""},"
"{""Question"": ""How does the company handle progress payments?"",""Answer"": ""All adjusted claims shall be due and payable within 30 days or as soon as reasonably possible after acceptance of proof of loss by the Insurers or their representative. The Insurers agree not to delay indemnification of the Insured for an insured loss until the whole of such loss has been finally determined. Progress payments will be made by Insurers immediately and to the extent sufficient details have been supplied by the Insured of amounts paid or payable in respect of claims that have been admitted by Insurers."",""Thought"": ""The policy details the process of handling progress payments in the document.""},"
"{""Question"": ""How long is the period allowed for the reinstatement work to be completed after the destruction or damage?"",""Answer"": ""The work of reinstatement must be commenced and carried out with reasonable despatch and in any case must be completed within twelve months after the destruction or damage, or within such further time as Income may allow in writing during the said twelve months."",""thought"": ""The document specifically provides the time frame within which the reinstatement work has to be completed following a destruction or damage. Hence, no more information is necessary to answer this question.""},"
"{""Question"": ""What is the period of The Trading Company Limited's insurance coverage?"", ""Answer"": ""From 01/01/2023 to 31/12/2023"",""thought"": ""The policy details show the period of insurance. No additional information needed.""},"
"{""Question"": ""How are the outstanding accounts receivable computed when a loss occurs and the Insured cannot establish total amount of accounts receivable?"",""Answer"": ""Such amounts shall be computed as follows: (1) The monthly average of accounts receivable will be adjusted in accordance with the percentage increase or decrease in the twelve months average of monthly gross sales of goods and services. (2) The monthly amount of accounts receivable thus established shall be further adjusted in accordance with any demonstrable variance from the average for the particular month(s) in which the loss occurred, and due consideration shall also be assigned to: i)bad debts, ii) amounts debited and credited to accounts receivable in the period between the date to which the statement relates and the date of the Damage, iii) any abnormal condition of trade which had or could have had a material effect on the Business."",""Thought"": ""The process of calculating the outstanding amount of accounts receivable at the time of loss was clear in the text. It's a multi-step process involving several considerations and adjustments based on average monthly sales, specific conditions in the month(s) of loss, bad debts, operations status and the impact of abnormal trade conditions.""},"
"{  ""Question"": ""What is the duration limit for temporary external removal of contents?"",  ""Answer"": ""The duration of temporary removal should not exceed 30 continuous days."",  ""thought"": ""The policy clearly states the duration limit for temporary external removal. No additional information needed.""},"
"{""Question"": ""What is the total Sum Insured?"", ""Answer"": ""SGD 659,400,000"", ""thought"": ""The total Sum Insured is mentioned in the Sub-Total of the Sum Insured for Property Damage.""}"
"{""Question"": ""What is the address of SBS Holdings Pte Ltd?"", ""Answer"": ""10 Beachside Avenue, Singapore 018810"", ""Thought"": ""The address of SBS Holdings Pte Ltd is provided in the section titled 'Address of Insured'.""},"
"{""Question"": ""What clauses are included in this insurance policy?"",""Answer"": ""The insurance policy includes the No Control Clause, Non Invalidation - Workmen Clause, Outbuildings Clause, Outdoor Lawn, Trees, Plants And Shrubs coverage, Output Replacement Clause, Payment on Account Clause, Premises Clause, and Public Authorities Clause."",""thought"": ""Since this document contains multiple clauses in one insurance policy, I have included all of them in the response. However, I didn't generate individual questions about each clause because those would require additional information not provided in this jotted down content. If needed, those questions can be generated in the proceeding steps.""},"
"{""Question"": ""What is the procedure for settling disputes arising from this policy?"",""Answer"": ""All disputes arising from this policy are to be submitted to the Singapore Mediation Centre for settlement by mediation. If the dispute is not referred to mediation, or if mediation fails, it has to be referred to arbitration before any legal actions are taken. Arbitration shall be conducted following the Arbitration Rules of the Singapore Arbitration Centre."",""thought"": ""The information provided in the document clearly outlines the dispute resolution process, highlighting the steps involving the Singapore Mediation Centre and the Singapore Arbitration Centre. There is no need to refer to external sources.""},"
"{""Question"": ""What is the scope of this policy in relation to communicable diseases?"",""Answer"": ""The policy does not insure any loss, damage, claim, cost, expense or other sum, directly or indirectly arising out of, attributable to, or occurring concurrently or in any sequence with a Communicable Disease or the fear or threat (whether actual or perceived) of a Communicable Disease. This includes any cost to clean-up, detoxify, remove, monitor or test for a Communicable Disease, or any property insured that is affected by such Communicable Disease."",""Thought"": ""The question is dealing with the coverage related to communicable diseases as per the given document. All necessary information to answer it is in the '15 Communicable Disease Exclusion' section of the financial text.""},"
"{""Question"": ""What are some situations under which the insurance policy would not cover damage?"",""Answer"": ""The policy does not cover damage directly occasioned by or happening through: faulty materials or faulty workmanship of the insured, incorrect siting of buildings due to errors or non-compliance, demolitions ordered by government due to failure on the part of the insured to obtain necessary permits, unexplained or inventory shortage or shortages in supply, spontaneous fermentation or any process involving direct application of heat, fraudulent acts or access by any other person than the insured or insured's employees to insured's computer system. However, it does cover theft following forcible and violent entry upon premises or felonious concealment upon premises committed by an employee of the insured."",""thought"": ""The insurance policy has several exclusions. These scenarios are likely common problems that the insurance company has decided are too risky or too likely to be misused for fraudulent claims. It worth noting that in some of these cases like faulty workmanship or fraudulent acts, only the direct part affected is excluded, not the entire property or structure. However, deeper understanding of the extent of the insurance coverage and details of specific scenarios will require reviewing the actual policy contract document.""}"
"{  ""Question"": ""What is the maximum amount the Company will cover under this extension?"",  ""Answer"": ""The company will cover up to S$5,000 under this extension."",  ""thought"": ""This information was directly available in the provided document.""},"
"{""Question"": ""Who is the named insured?"", ""Answer"": ""ABC Trustee Limited (as Trustee of Paradise REIT) as Property Owner and/or Para Paradise Property Management Pte Ltd as REIT Manager and/or Sing a Song Property Management Services Pte Ltd as Property Manager for their respective rights and interests."", ""thought"": ""The named insured is clearly stated in the financial information provided. Their respective rights and interests are also insured.""}"
"{""Question"": ""What is the policy number for this insurance provided by MS First Capital Insurance Limited?"",""Answer"": ""The policy number is D-23023966FAIR/9."",""Thought"": ""Policy number is clearly provided in the document and no extra information is required.""},"
"{""Question"": ""What is the company's maximum liability under the coverage extension for the contingencies listed above?"",""Answer"": ""The company's maximum liability under this coverage extension is limited to 10% of sums insured not exceeding $2,000,000 (whichever is lower) any one occurrence and in the aggregate any one period of insurance."",""thought"": ""The information was drawn directly from the document, it implies that the amount the company can be liable for can't exceed 10% of sums insured or $2,000,000, whichever is lower.""},"
"{""Question"": ""What is the excess amount for underground damages?"",""Answer"": ""The excess for underground damages is 10% of loss with a minimum of SGD50,000."",""thought"": ""Irrespective of the policy, the excess for underground damage seems to be standardized.""},"
"{""Question"": ""What does the 'Impact Damage Endorsement' cover in the policy?"",""Answer"": ""The 'Impact Damage Endorsement' extends insurance coverage to include loss or damage to the property and/or any walls, gates, and fences around it directly resulting from impact by any road vehicles, horses or cattle not belonging to or under the control of the insured or his agent or servant, or any person resident in the Private Flats, his agent or servant."",""thought"": ""The needed information for this question can be found directly in the 'Impact Damage Endorsement' section of the provided document. No additional information is needed.""},"
"{    ""Question"": ""Under what conditions does the Explosion clause not cover?"",    ""Answer"": ""The insurance will not cover loss or damage occasioned by acts of terrorism or any damage which is insured by or would have been insured by any other policy except in respect of any excess beyond the amount payable under such policy. Furthermore, the company's liability under this extension is only pro-rata with other fire insurances for any loss by explosion, whether or not such other fire insurance covers loss by explosion."",    ""thought"": ""The document provides all the details required to answer this question. It is clear on the exceptions for the Explosion insurance coverage.""},"
"{""Question"": ""What is the name of the insurance company that provides coverage to The Trading Company Limited?"",""Answer"": ""Aon Singapore Pte. Ltd."",""thought"": ""The insurance information for The Trading Company Limited points to Aon. No further details needed.""},"
"{""Question"": ""What is the sum insured under this policy?"",""Answer"": ""The sum insured under this policy is S$27,000,000.00."",""Thought"": ""The sum insured is clearly stated in the document. I used that information to answer the question.""},"
"{  ""Question"": ""What is the condition under the Average Relief Clause 85% for this policy?"",  ""Answer"": ""Under the Average Relief Clause 85%, if the sum insured does not represent at least 85% of the reinstatement or replacement value of the insured property at the time of the loss, the Insured is considered their own insurer for the difference and shall bear a rateable share of the loss accordingly. This condition applies separately to every item, if there is more than one, of the policy."",   ""thought"": ""The given document provides all information required to answer the question on the Average Relief Clause. Therefore, there is no need to reference any external information.""},"
"{""Question"": ""Who bears the cost of any provisional repairs?"",""Answer"": ""The cost of any provisional repairs shall be borne by the Company if such repairs constitute part of the final repairs and do not increase the total cost of repair."",""thought"": ""The source document clearly states the company covers provisional repair costs, provided those repairs are part of the final fixes and don't elevate the total repair cost.""},"
"{""Question"": ""What is the basis of settlement detailed in the document?"",""Answer"": ""The basis of settlement for gross profits insurance is related to the loss of Gross Profit due to a reduction in turnover and an increase in cost of working. The indemnity amount payable will be calculated based on the rate of gross profit to the amount of turnover reduction or the additional expenditure necessary to avoid or decrease the turnover reduction during the indemnity period, minus any sum saved during that period due to reduced business charges and expenses resulting from the damage."",""Thought"": ""The basis of settlement was detailed within the provided document. No additional resources were necessary."" }"
"{    ""Question"": ""What is the policy number of the fire insurance?"",   ""Answer"": ""The policy number of the fire insurance is 5135735442."",  ""thought"": ""The provided document mentions the policy number directly. No other piece of information required to answer this.""  },"
"{  ""Question"": ""What is the policy number of MS First Capital Insurance Limited?"",  ""Answer"": ""D-23023966FAIR/9"",  ""thought"": ""The policy number was mentioned directly in the financial document, no other information was needed.""},"
"{  ""Question"": ""What happens when the insured property is removed from one building to another?"",  ""Answer"": ""If the insured property is removed from one building to another, the insurance on such property continues to be in effect, or 'follows' the property. This is subject to necessary adjustments in sums insured and premium being made from the date of removal as soon as this change is discovered."",  ""thought"": ""The policy clearly state about the transfer of insured property from one place to another in the section 'Internal Removal'. No extra information is needed. ""},"
"{""Question"": ""What does the policy state about the Company's rights to inspect the machinery?"",""Answer"": ""The Company's officials or representatives shall have the right at all reasonable times to inspect and examine the Machinery. Dismantling and re-assembling in connection with any examination shall be carried out by the Insured."",""thought"": ""The company's rights in the context of inspecting the machinery is clearly stated in the document under 'Company's Rights'. The officials or representatives of the company have the right to inspect and examine the machinery at reasonable times, and the insured is responsible for disassembler and re-assembling during these inspections. No redirection to another piece of information outside the document."" },"
"{""Question"": ""What is the Limit for Newly Acquired Companies or Location?"",""Answer"": ""The Limit for Newly Acquired Companies or Location is SGD10,000,000 subject to declaration within 90 days commencing at the time of making options to purchase."",""thought"": ""The answer was directly given in the financial information under Section I, item 1.""},"
"{""Question"": ""What is the policy number mentioned in the document?"",  ""Answer"": ""MAR/23-MA001405-R001"",""thought"": ""The document clearly states the policy number in the beginning of the financial information 'MAR/23-MA001405-R001'.""}, "
"{""Question"": ""What is the policy number?"",""Answer"": ""The policy number is 8-H0004153-HPK-R007."",""Thought"": ""As the given document has policy details, the user asked about the policy number. I retrieved it by looking for the term 'Policy Number' in the document.""},"
"{  ""Question"": ""Who are the approved adjusters specified in the financial document?"",  ""Answer"": ""The approved adjusters are: (a) Crawford & Co. International Pte Ltd, (b) McLarens Singapore Pte Ltd, (c) Sedgwick Singapore Pte Ltd."",  ""Thought"": ""The approved adjusters in the document refer to these three entities. No further information or redirection is needed.""}, "
"{""Question"": ""What is the policy excess for damage to underground pipes and cables?"",""Answer"": ""The policy excess for damage to underground pipes and cables is SGD300 each and every claim."",""Thought"": ""The answer was directly found in the provided 'Memo C'. No additional information outside the document was needed.""},"
"{""Question"": ""What is the indemnity period for the Gross Profit under RISK NUMBER 2?"",""Answer"": ""The indemnity period for the Gross Profit under RISK NUMBER 2 is 24 months."",""Thought"": ""The indemnity period is directly mentioned under the Item Interest Insured Sum Insured section of the document.""},"
"{""Question"": ""What does 'Communicable Disease Exclusion' and 'Property Cyber and Data Exclusion' clause imply in the policy?"",""Answer"": ""The 'Communicable Disease Exclusion' clause states that the policy does not cover any loss, damage, claim, cost, or expense that is directly or indirectly caused by, results from, or is connected with a Communicable Disease or the fear or threat of a Communicable Disease. A Communicable Disease is defined as any disease that can be transmitted from any organism to another organism through various methods. The 'Property Cyber and Data Exclusion' clause states that the policy does not cover any Cyber Loss or any loss, damage, claim, cost, expense that is directly or indirectly caused by any loss of use, reduction in functionality, repair, replacement, restoration, or reproduction of any Data."",""Thought"": ""There are certain exclusions in the policy including losses or damages caused by communicable diseases or related to cyber activities or data. No information is provided about how these exclusions are handled if these situations occur.""},"
"{""Question"": ""What is the use of the premises listed that are insured under 'Developments Private Limited's insurance policy?"",""Answer"": ""Residential"",""thought"": ""The usage of premises is stated in the given document. No need to look for additional details.""}"
"{""Question"": ""What is the liability of the Company based on in case of damage?"",""Answer"": ""The liability of the Company is based on the contract price."",""Thought"": ""The document states that the company's liability in case of damage or loss is based on the contract price.""},"
"{""Question"": ""Does the policy cover any customs, excise and other duties?"",""Answer"": ""Yes, the policy extends to cover the Insured's liability for customs, excise and other duties."",""thought"": ""Clause 21 provides this information. However, the exact amount to be covered is not mentioned in this clause.""}"
"{""Question"": ""What is the sum insured for 'The Camelia Mall'?"",""Answer"": ""SGD 87,796,000"",""thought"": ""The sum insured for each location is clearly written in the document. In the given document, under section Business Interruption, the sum insured for 'The Camelia Mall' is provided.""},"
"{  ""Question"": ""What is the GST Registration number?"",  ""Answer"": ""The GST Registration number is M90366503P."",  ""thought"": ""The financial document provides explicit information about the GST Registration number. There is no need to redirect to other sources for this information.""}"
"{  ""Question"": ""What is the policy number of this document?"",  ""Answer"": ""8-H0004153-HPK-R007"",  ""thought"": ""The policy number is clearly mentioned at the top of the financial information provided by the user and could be found easily.""},"
"{""Question"": ""Who are the insured parties in this policy?"",""Answer"": ""The insured parties in this policy are Small Tunnel Pte Ltd and/or DBS Bank Ltd as owner for their respective rights and interests."",""thought"": ""The insured parties were directly mentioned in the policy under the endorsement note, specifying Small Tunnel Pte Ltd and/or DBS Bank Ltd as the insured entities.""},"
"{""Question"": ""What is the definition of 'Cyber Act' as per the document?"",""Answer"": ""Cyber Act refers to an unauthorized, malicious or criminal act or a series of related unauthorized, malicious or criminal acts, regardless of time and place, or the threat or hoax thereof that involves access to, processing of, use of, or operation of any computer system."",""thought"": ""The given document clearly defines the term 'Cyber Act'. So, I am able to provide a precise answer without requiring additional information.""},"
"{""Question"": ""What expenses does the Removal of Debris Clause cover?"",""Answer"": ""The Removal of Debris Clause extends the Policy coverage to include any expenses necessarily incurred by the Insured in the removal of debris, and the dismantling, demolishing, shoring up, or propping of the portion of the property insured by this Policy that has been destroyed or damaged by fire, lightning, or any other perils insured against."",""thought"": ""The answer to this question was directly given in the financial information document.""},"
"{""Question"": ""Where is the Claims & Motor Underwriting Dept of First Capital Insurance Limited located?"",""Answer"": ""The Claims & Motor Underwriting Dept of First Capital Insurance Limited is located at 16 Raffles Quay #42-01 Hong Leong Building Singapore 048581."",""thought"": ""The answer is directly mentioned in the document, no thoughts are required.""}"
"{""Question"": ""What happens if the insurance premium is not paid within the 60-day period?"",""Answer"": ""If any premium due is not paid and actually received in full by the company within the 60-day period, then the cover under the policy, renewal certificate, cover note or endorsement is automatically terminated immediately after the expiry of said 60-day period. The automatic termination of the cover shall be 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 subject to a minimum of S$25.00."",""thought"": ""This answer was directly mentioned in the given information and no additional data is needed.""}"
"{""Question"": ""Who is the Insured party in the policy?"",""Answer"": ""The information about the Insured party is not explicitly mentioned in the document."",""thought"": ""The policy refers to the 'Insured' several times, but the actual identity of the Insured party is not specified in the document.""},"
"{  ""Question"": ""What is expected of each party during the existence of any dispute?"",   ""Answer"": ""Each party is expected to continue to perform its obligations to the furthest extent possible under the agreement, despite the existence of any dispute."",   ""thought"": ""The text clearly mentions the responsibility of each party in the instance of dispute.""},"
"{""Question"": ""What is the business nature of the insured party?"",""Answer"": ""The insured party, Small Tunnel Pte Ltd, is a Water & Gas Pipeline and Sewer Construction contractor."",""thought"": ""The nature of the business of the insured party is stated under the 'Business'""}"
"{""Question"": ""What is the occupation of the insured location?"",""Answer"": ""The insured location is occupied as a factory, office, and warehouse."",""thought"": ""The information is mentioned in the document; the insured location's occupation does not require any external information.""},"
"{""Question"": ""What business is insured under this policy?"",""Answer"": ""The business insured under this policy is the wholesale trade of a variety of goods without a dominant product."",""Thought"": ""The type of business covered under the policy is stated in the document. No supplementary information was needed to answer this question.""},"
"{""Question"": ""What actions should the insured take when a fraudulent act by an employee is discovered, based on the policy terms?"",""Answer"": ""The Insured shall if required by the Insurer but at the expense of the Insurer if a conviction is to be obtained take all steps to obtain the conviction of the said Employee."",""Thought"": ""The policy highlights that the insured has a responsibility to take actions towards achieving the conviction of the dishonest employee if required by the insurer. The insurer will bear the expense if a conviction is to be obtained.""},"
"{""Question"": ""What are the exclusions under this policy endorsement?"",""Answer"": ""The exclusions under this policy endorsement include: (a) the cost of repairing, cleaning, or making good drains or water courses, (b) loss, damage or destruction occasioned by or through any of the following causes: erosion, heave, bedding down of structures; settlement of made up ground; settling or cracking in structures resulting from normal or gradual earth movements; and shrinkage or expansion of foundations, walls, floors, roofs or ceilings, (c) loss, damage, or destruction to the site except in so far as is necessary to repair the property insured, (d) loss, damage or destruction directly occasioned by or through defective design or workmanship or the use of defective materials, (e) Consequential loss of any description."",""Thought"": ""The policy clearly specifies the exclusions under the endorsement. No additional information outside of the document is needed to answer this question.""},"
"{    ""Question"": ""Does the policy provide any cover in the event of physical damage due to certain perils?"",  ""Answer"": ""Yes, the policy, subject to all its terms, conditions, and exclusions, will cover physical damage occurring during the Period of Insurance to Property Insured by this Policy directly caused by Listed Perils such as fire, explosion, lightning, hail, windstorm, tornado, cyclone, hurricane, earthquake, volcano, tsunami, flood, freezing, weight of snow, impact of aircraft or other objects dropped therefrom, impact, bursting overflowing discharging or leaking of water tanks apparatus or pipes or theft of electronic data solely where such theft is accompanied by theft of computer hardware, firmware, medium, microchip, integrated circuit or similar device containing electronic data."",  ""thought"": ""This information was extrapolated from the detailed documentation on policy coverage in the case of specific events happening that lead to physical damage.""},"
"{ ""Question"": ""What is the maximum coverage amount for the cost of re-writing records?"", ""Answer"": ""The maximum coverage amount for the cost of re-writing records is S$5,000."", ""Thought"": ""This question is extracted from the clause 'F27. Cost Of Re-Writing Records'. According to this clause, the insurance policy covers the cost, charges, and expense incurred in replacement or restoring documents up to an amount not exceeding S$5,000."" }"
"{""Question"": ""Who signed the policy on behalf of the company?"",""Answer"": ""The policy was signed on behalf of the company by Mack Eng, the Chief Executive Officer of MSIG Insurance (Singapore) Pte. Ltd."",""Thought"": ""The signatory for the policy is the CEO of the company which reassures that the document is authentic and approved by the company authorities.""},"
"{  ""Question"": ""Where does the policy extend its coverage?"",  ""Answer"": ""The policy extends to cover property whilst in or on platforms, alleys, yards, outbuildings and/or in the open air on the premises described therein."",  ""thought"": ""The information was directly stated in the Premises section of the document, indicating specific coverage details.""}"
"{  ""Question"": ""What is the total sum insured under this policy?"",  ""Answer"": ""The total sum insured under this policy is SGD 4,475,000."",  ""thought"": ""The total sum insured was stated directly on the document under 'Total Sum Insured'.""},"
"{   ""Question"": ""Under what conditions is the Company not liable for loss or damage according to the  Sprinkler Warranty?"",   ""Answer"": ""According to the Sprinkler Warranty, the Company shall not be liable for loss or damage occurring during and resulting from repairs, alterations or additions or extensions to the automatic sprinkler installation at the location described in the Policy, and while the building at the location described in the Policy is vacant or unoccupied."",   ""Thought"": ""The information about the company's liability in case of automatic sprinkler leakage is mentioned in SPRINKLER WARRANTY section of the document. No other piece of information is needed.""},"
"{  ""Question"": ""What will be considered as loss under the 'Interdependency - Worldwide' section?"",  ""Answer"": ""Loss resulting from interruption of or interference with the Business in consequence of Damage to property whether or not insured by Section I of the Policy and situated anywhere worldwide."",  ""thought"": ""The question asked is directly related to the information given in the section 'Interdependency - Worldwide'. No additional information is required.""},"
"{""Question"": ""What is the jurisdiction and governing law for this Policy?"",""Answer"": ""This Policy shall be governed by and construed in accordance with the laws of the Republic of Singapore. Any dispute arising out of or relating to this Policy shall be determined exclusively by the courts of Singapore."",""thought"": ""The information required for this question is outlined explicitly under the 'Governing Law and Jurisdiction' section of the document. No other external or unspecified information is needed.""},"
"{""Question"": ""What kind of business does the location '212 CHOA CHU KANG NORTH 2 WELLS POINT, SINGAPORE 689986' involved in?"",""Answer"": ""The business at '212 CHOA CHU KANG NORTH 2 WELLS POINT, SINGAPORE 689986' is involved in Real Estate with various activities"",""thought"": ""The business/occupation for the mentioned address was clearly mentioned in the document as Real Estate/Various.""},"
"{""Question"": ""What is the Goods and Services Tax (GST) rate applied in 2023?"",""Answer"": ""The Goods and Services Tax (GST) rate applied in 2023 is 8.00%."",""thought"": ""GST rate for the year 2023 was mentioned in the note section at the end of the document.""}"
"{""Question"": ""What is the occupation of the insured?"",""Answer"": ""The insured, YY INSTRUMENT PTE. LTD., is involved in soil investigation, treatment, and stabilisation, including grouting and guniting."",""thought"": ""This information is provided towards the end of the document, under 'Occupation'.""},"
"{""Question"": ""What does the capital additions clause state?"",""Answer"": ""The insurance extends to cover alterations, additions and improvements (but not appreciation in value in excess of the sums insured) to the Property Insured for an amount not exceeding 10% of the corresponding sum insured or S$250,000.00 in the aggregate on the whole Policy whichever is the lower it being understood that the Insured undertake to advise Income each quarter of such alterations additions and improvements and to pay the appropriate additional premium thereon."",""Thought"": ""The information is found under section '8. CAPITAL ADDITIONS' and provides detailed rules regarding the extension of coverage for alterations, additions, and improvements to the insured property.""},"
"{""Question"": ""What is the Transaction number of this document?"",  ""Answer"": ""00006"", ""thought"": ""The document mentions the transaction number as '00006'.""}, "
"{""Question"": ""What is the name and location of the financial institution?"",""Answer"": ""The financial institution is called MS First Capital Insurance Limited. It is located at 6 Raffles Quay #21-00, Singapore 048580."",""thought"": ""The information was available in the first few lines of the document. The full name was given along with the location.""},"
"{""Question"": ""What is the year of manufacture for the Tunneling Machine M-02212M?"",""Answer"": ""The year of manufacture for the Tunneling Machine M-02212M is 2017."",""thought"": ""The manufacturing year is given under the Model No. : M-02212M. No additional information is needed.""},"
"{""Question"": ""What is covered under 'Cyber Incident'?"",""Answer"": ""'Cyber Incident' covers any error or omission or series of related errors or omissions involving access to, processing of, use of or operation of any Computer System; or any partial or total unavailability or failure or series of related partial or total unavailability or failures to access, process, use or operate any Computer System."",""Thought"": ""The definition of Cyber Incident can be found in the policy under the 'Definitions'. The meaning is clarified with regard to Computer Systems, including errors, omissions, failures and access issues.""}"
"{""Question"": ""How does the Non Invalidation - Workmen clause protect the insured?"",""Answer"": ""The Non Invalidation - Workmen clause protects the insured by ensuring that the insurance is not invalidated by any change of occupancy or increase of risk taking place in the property insured without their knowledge, and allows workmen on the premises for the purpose of effecting repairs, minor alterations or general maintenance purposes."",""thought"": ""This question and answer pair is thoroughly based on the given information about the Non Invalidation - Workmen clause. No additional information is needed.""},"
"{""Question"": ""What is the excess limit of the insurance policy?"",""Answer"": ""The excess limit of the insurance policy is USD1,500,000,000 ultimate net loss each and every occurrence for Material Damage and Time Element combined."",""thought"": ""The data needed to answer this question is directly stated in the financial document.""},"
"{""Question"": ""What is the limit of indemnity payable under this policy?"",""Answer"": ""The limit of indemnity payable under this Policy in respect of any one item is the Sum Insured as stated in the Schedule against such item."",""thought"": ""The question specifically asks for the limit of indemnity payable under the policy, which is clearly provided in the document. The limit of indemnity is the Sum Insured as stated in the Schedule against such item. No subject redirection to another piece of information not included in the document.""},"
"{""Question"": ""What is the policy period and the date of issue for this policy?"",""Answer"": ""The policy period is from 01-10-2021 to 30-09-2022 and the date of issue is 04-10-2021."",""thought"": ""The answer required for this question was found directly in the document under 'Policy Period : 01-10-2021 to 30-09-2022, Date of Issue : 04-10-2021'. No other source was needed.""},"
"{""Question"": ""What will be used to investigate or verify any claim according to 'Books of Account' clause?"",  ""Answer"": ""Any particulars or details contained in the Insured’s books of account or other business books or documents."",  ""thought"": ""According to the 'Books of Account' clause, the Insured’s books of account or other business related documents will be used to investigating or verify any claim. These details will be certified by the Insured's auditors.""} "
"{""Question"": ""What are Defined Perils as per the document?"",""Answer"": ""Defined Perils as per the document mean 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 document defines 'Defined Perils' in the second point in the 'DEFINITION' section. Additional information or redirection is not required here.""},"
"{""Question"": ""What is the coverage limit for accidental loss of or damage to the insured property caused by falling trees?"",""Answer"": ""The coverage limit for accidental loss of or damage to the insured property caused by falling trees is SGD50,000."",""thought"": ""The information required to answer this question is directly available in the given document under the section related to coverage for accidental loss due to falling trees.""},"
"{""Question"": ""What is the role of a Mortgagee or Chargee in this policy?"",   ""Answer"": ""The role of a Mortgagee or Chargee is that the loss, if any, is payable to them as interest may appear and this insurance, as to the interest of the Mortgagee (Chargee) shall not be invalidated by any foreclosure or other proceedings or notice of sale relating to the property or by the occupation of the premises for purposes more hazardous than are permitted by this Policy. However, in case the Mortgagor (Chargor) neglects to pay any premium due under this Policy the Mortgagee (Chargee) shall on demand pay the same."",""Thought"": ""The policy explains the role of a Mortgagee/Chargee. No other document is needed to clarify this.""}"
"{""Question"": ""Under what conditions may the insurer cancel the insurance policy?"",""Answer"": ""The insurer may cancel the insurance policy at the policy anniversary by delivering a written notice to the insured not less than ninety (90) days before the cancellation goes into effect. This notice must be sent through registered, certified or other first class mail. The insurer may also cancel the policy in the event of non-payment of premium at any time during the term of this policy by giving a ten (10) days written notice of cancellation to the insured."",""thought"": ""The conditions for cancelling the insurance policy by the insurer are clearly stated in the document, with the main reasons being the anniversary of the insurance policy and non-payment of premiums, with respective specific notice periods.""},"
"{""Question"": ""What expenses does 'Professional Fees and Claims Preparation & Recompiling Records Cost' cover?"",""Answer"": ""The exact expenses covered under 'Professional Fees and Claims Preparation & Recompiling Records Cost' is not specified in the document."",""thought"": ""The document does not provide this information. This would require redirecting to the detailed policy document or a direct answer from the company.""}"
"{""Question"": ""Does the policy cover the cost of re-erecting fitting and fixing machinery and plant?"",""Answer"": ""Yes, the policy extends to include the cost of re-erecting fitting and fixing machinery and plant."",""thought"": ""The information is found in clause 18, indicating the policy covers these costs. The exact limit is not specified in this section and answers may vary.""},"
"{""Question"": ""What is the course of action for 'Income' in case of any loss or damage to insured property?"",""Answer"": ""In case of any loss or damage to any insured property, 'Income' may enter the building or premises where the loss or damage has occurred, take possession of any insured property in the building, keep possession of any such property and examine, sort, arrange, remove, or deal with it, and even sell or dispose of the property for account of whom it may concern."",""thought"": ""The provided document outlines what 'Income' has the right to do in the event of loss or damage to the insured property, therefore no extra documentation or information is needed when answering this question.""}"
"{  ""Question"": ""Where should the judgments for the indemnity of this policy be obtained from?"",  ""Answer"": ""The judgments for the indemnity of this policy should be obtained from a court of competent jurisdiction in Singapore."",  ""thought"": ""The information about the origin of judgments is directly mentioned in the document. There is no need to fetch the information from another document.""},"
"{  ""Question"": ""Who bears the burden of proof when the Company alleges that a loss or damage is not covered by this insurance due to the provisions above?"",  ""Answer"": ""The burden of proving that the loss, destruction or damage is covered lies upon the Insured."",  ""thought"": ""This is quite straightforward. The insured party has the responsibility to provide proof that the claim fits the insurance policy provisions to receive coverage.""},"
"{""Question"": ""What is the excess cost for recovery when there is no damage?"",""Answer"": ""The excess cost for recovery when there is no damage is SGD25,000 for each and every loss."",""thought"": ""The answer was obtained directly from the policy's given information. The policy mentions three different types of excess costs, one of which is the cost for recovery when no damage occurred.""},"
"{""Question"": ""What does the policy cover in case of the spread of fire or other catastrophic insured?"",""Answer"": ""The Policy covers the Insured's property damaged or destroyed as a result of extinguishing or inhibiting the spread of fire or other catastrophic insured against herein, provided that the total amount recoverable under any item of the Policy shall not exceed the sum insured thereby."",""thought"": ""According to the text, the policy covers the damage or destruction of the insured's property as a result of fire or other catastrophes. However, the total recoverable amount under any policy item will not exceed the sum insured by it.""}"
"{  ""Question"": ""What is the registration number of MS First Capital Insurance Limited?"",  ""Answer"": ""The registration number of MS First Capital Insurance Limited is 195000106c."",  ""thought"": ""The registration number of MS First Capital Insurance Limited is easily read from the given information.""},"
"{  ""Question"": ""What happens when an insured party has loan, mortgage, lease, hire purchase or other financial agreement on the insured property?"",  ""Answer"": ""According to section 41 of the policy, all parties interested in the Property Insured by this Section by way of loan, mortgage, lease, and hire purchase or other financial agreement are indemnified by the Insurers, as though they were the named Insured. This is done automatically without notification or specification. The nature and extent of such interests must be disclosed in the event of Damage."",  ""thought"": ""The policy document clearly sets out the process for situations where there is a financial agreement on the insured property, no additional information needed. ""},"
"{""Question"": ""What is the policy number of MS First Capital Insurance Limited?"",""Answer"": ""The policy number of MS First Capital Insurance Limited is D-23023966FAIR/9."",""thought"": ""The policy number is directly given in the document so no additional information is required to answer this question.""},"
"{""Question"": ""Is housing of automobiles allowed under the policy?"", ""Answer"": ""Yes, the housing of automobiles is allowed under the policy."", ""Thought"": ""The document mentions that housing of automobiles is allowed, hence providing the answer.""},"
"{""Question"": ""What is the connection between the First Named Insured and SBS Holdings Pte Ltd?"", ""Answer"": ""Specific information detailing the connection between ECP Beach Corp and SBS Holdings Pte Ltd is not outlined in the given document."", ""Thought"": ""The document mentions both ECP Beach Corp and SBS Holdings Pte Ltd but does not clearly define the relationship between the two firms.""}"
"{""Question"": ""What is MS First Capital Insurance Limited's registered company number?"",""Answer"": ""195000106c"",""Thought"": ""The registered company number of MS First Capital Insurance Limited is directly mentioned in the provided information, which I accessed to answer the question.""},"
"{""Question"": ""Who are the security providing companies and their respective shares?"",""Answer"": ""The security is provided by MS First Capital Insurance Limited and Great Eastern General Insurance Limited. MS First Capital Insurance Limited has a share of 85% (Lead) and Great Eastern General Insurance Limited has a share of 15%."",""Thought"": ""The security details and their shares were found directly in the given financial information.""}"
"{""Question"": ""How does the Tenant's Improvement Clause work?"", ""Answer"": ""The Tenant's Improvement Clause extends the insurance to include the Insured's interest as tenants in improvements, structural alterations and additions, decorations, and fixtures. However, the Company will not be liable for any amount that the Insured may be able to recover from the owner of the building."", ""thought"": null}, "
"{""Question"": ""What is the total sum insured for the policy?"",""Answer"": ""The document does not provide information about the total sum insured for the policy."",""thought"": ""There are no mentions of the total sum insured or any amount representation directly indicating the sum insured for the whole policy. Need more information to provide accurate answer for this question.""},"
"{""Question"": ""What are the supplier and customers definition?"",""Answer"": ""A supplier is any person, body or entity from which the Insured obtains supplies of commodities, materials, components, goods, or services other than those referred to under the Utilities Memorandum. A customer is a person, body or entity to which the Insured supplies or provides commodities, materials, components, goods or services."",""Thought"": ""The information was mentioning in part 12 of the document. No other document was needed.""},"
"{""Question"": ""How does the Policy handle Architects’ Surveyors’ and Consultant Engineers’ Fees under F16?"",""Answer"": ""Under F16, the policy covers the legal fees of architects, surveyors, and consultant engineers. This includes fees for estimates, plans, specifications, quantities, tenders and supervision, which are necessarily incurred in the reinstatement after the damage to or destruction of the property, excluding stocks and material in trade. The costs should not exceed those authorised by the institutions or bodies regulating such charges at the time of damage or destruction, and the aggregate sum insured."",""thought"": ""The document provides information about what types of fees are covered by the policy under F16.0. However, the document does not provide specifics on what process to follow to claim these fees.""}"
"{""Question"": ""What is the address of the insured property?"",""Answer"": ""The address of the insured property is 2 Crescent #05-01, Fun @ Crescent, Singapore 699588."",""thought"": ""The address is clearly mentioned in the document, so no external information is required.""},"
"{""Question"": ""In the case of multiple policies offering same coverage, which one would become the primary insurance?"",""Answer"": ""If multiple policies have similar clauses stating that they are excess of the other policy and there would be double insurance, then this policy from MS First Capital Insurance Limited will become the primary insurance."",""Thought"": ""The document provides the information clearly that MS First Capital's policy will be primary in case of double insurance, no need to refer to other additional resources.""},"
"{""Question"": ""Who is the loss payable to as per the policy?"",""Answer"": ""The loss is payable to DBS Bank Ltd as per the policy."",""thought"": ""The information in the document clearly states that the loss is payable to DBS Bank Ltd. There's no need to seek information elsewhere.""},"
"{""Question"": ""What is the bank associated with Policy No. B 300558534 MAR?"",""Answer"":""The associated bank with the policy No. B 300558534 MAR is UOB Ltd."",""thought"": ""This information is clearly mentioned in the document. There is no need for further details.""},"
"{""Question"": ""What happens if there's other subsisting insurance on the same risk?"",  ""Answer"": ""If there is any other subsisting insurance covering the same risks and relating to the same debt, the company shall not be liable to pay or contribute more than its rateable proportion of such loss or damage."",  ""thought"": ""This question is referencing a specific term in the policy that deals with how the policy interacts with other possible insurance on the same property."" }, "
"{""Question"": ""What does the 'Accumulated Stocks Clause' imply?"",""Answer"": ""The 'Accumulated Stocks Clause' implies that in adjusting any loss, account shall be taken, and equitable allowance made if any shortage in Turnover due to the Damage is postponed by reason of the Turnover being temporarily maintained from accumulated stocks of finished goods at the Premises."",""Thought"": ""The 'Accumulated Stocks Clause' is explained in the provided document under the 'Clauses/Endorsements applicable to the above Risk' section.""}"
"{""Question"": ""What is the address of MS First Capital Insurance Limited?"",""Answer"": ""The address of MS First Capital Insurance Limited is 6 Raffles Quay #21-00 Singapore 048580."",""thought"": ""The address is clearly stated in the document, no further documents or information required.""},"
"{""Question"": ""Who has signed the policy document on behalf of the company?"",""Answer"": ""The policy document has been signed by Mack Eng, the Chief Executive Officer of MSIG Insurance (Singapore) Pte. Ltd."",""Thought"": ""The information regarding who has signed on behalf of the company is provided explicitly in the document so the answer was directly retrieved accordingly.""}"
"{""Question"": ""What is the sum insured for the Tunneling Machine model number M-02344M and container C66?"",""Answer"": ""The sum insured for the Tunneling Machine model number M-02344M and container C66 is SGD3,000,000."",""thought"": ""The sum insured is mentioned directly below the details of the Tunneling Machine model number M-02344M and container C66. No additional information is required.""},"
"{""Question"": ""Does the policy provide coverage for damages caused by nuclear reactions or radioactivity?"",""Answer"": ""No, this insurance doesn't cover loss or damage directly or indirectly caused by or arising from or in consequence of or contributed by ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel."",""Thought"": ""The document clearly provides the information about insurance exclusion in case of damages caused due to nuclear reactions or radioactivity.""}"
"{        ""Question"": ""What is the company's contact number?"",        ""Answer"": ""(65) 6222 2311 or (65) 6507 3848"",        ""thought"": ""The document mentions two telephone numbers. They appear to be for different departments of the company.""            },    "
"{""Question"": ""What does this policy specify in case the insured elects to replace the destroyed property with dissimilar property?"",""Answer"": ""The insurers will pay the lesser of either the cost of the dissimilar property or an amount equal to the replacement cost which would have been payable if the destroyed property had been reinstated with similar property."",""Thought"": ""The information was pulled from provision five. It outlines the policy provisions regarding the replacement of destroyed property with a dissimilar one, finalizing the insurers' liability to either the dissimilar property's cost or reinstation cost of the original.""},"
"{""Question"": ""Until when is the coverage under this policy?"", ""Answer"": ""The coverage under this policy is for a period of 2 years, from 1st October 2021 to 30th September 2023."", ""thought"": ""The coverage period is stated explicitly in the 'Break and review clause' section.""},  "
"{""Question"": ""What are the contact details for the Claims & Motor Underwriting Department of MS First Capital Insurance Limited?"",""Answer"": ""The contact details for the Claims & Motor Underwriting Department are: Address - 16 Raffles Quay #42-01 Hong Leong Building Singapore 048581, Phone - (65) 6507 3848, Fax - (65) 6507 3849."",""Thought"": ""The provided document specifically mentioned the contact details of the Claims & Motor Underwriting Department. I extracted these details without the need for additional interpretation or calculation.""},"
"{    ""Question"":""What is the policy period?"",    ""Answer"":""08/01/2023 TO 07/01/2024"",    ""Thought"":""The policy period is clearly outlined in the document, hence taken directly to provide the answer.""},"
"{""Question"": ""What is the company registration number of MS First Capital Insurance Limited?"",""Answer"": ""The company registration number of MS First Capital Insurance Limited is 19S000106C."",""thought"": ""The company registration number is provided in the given financial information. Hence, there wasn't any necessity to look for additional information.""},"
"{""Question"": ""What is the definition of 'Gross Profit' as per the MS First Capital Insurance Limited's policy?"", ""Answer"": ""As per the MS First Capital Insurance Limited's policy, 'Gross Profit' is defined as the difference between sale value of production and the amount of the Uninsured Working Expenses."",""thought"": ""The definition of 'Gross Profit' is directly stated in the document. However, the document doesn't provide an explicit definition of the term 'Uninsured Working Expenses'. For further clarification on this, the user would need to refer to a different section of the policy or contact MS First Capital Insurance Limited directly.""}"
"{""Question"": ""What is the address of the insured entity?"",""Answer"": ""The address of the insured entity is 5 Left Avenue 2, #02-05/06 Backpack, Singapore 408999"",""Thought"": ""The address is usually mentioned in the insurance documents under the 'Address' header of the insured entity.""}"
"{""Question"": ""How does the insurance treat the use of spare parts from inventory?"",""Answer"": ""If following the occurrence of any Damage to the Property Insured, the Insured utilises any item(s) from its inventory of spare parts to minimise their loss or disruption to the Business, the Insurers will reimburse the Insured for the additional costs and expenses necessarily and reasonably incurred for the purpose of expediting replacement of such inventory."",""thought"": ""The relevant information can be found in clause 25 of the policy. The policy also details circumstances in which a temporary repair is made. No additional information required for this question.""}"
"{""Question"": ""What is the year of manufacture for the equipment with machine code MK-05-TM?"",""Answer"": ""The year of manufacture for the equipment with machine code MK-05-TM is 2021."",""thought"": ""The year of manufacture for the equipment was explicitly stated in the provided financial information.""}"
"{""Question"": ""What kinds of dispossession are covered by this policy?"",""Answer"": ""The policy covers permanent or temporary dispossession resulting from confiscation, nationalisation, commandeering, or requisition by any lawfully constituted authority and permanent or temporary dispossession of any property resulting from the unlawful occupation or possession of such property by any person."",""thought"": ""The information can be found in section (c)(i) and (ii) which describe what forms of dispossession is covered under this policy.""},"
"{""Question"": ""What is the minimum premium applicable for the policy?"",""Answer"": ""The document states that the company is entitled to a pro-rata time on risk premium but does not specify the minimum premium applicable for the policy. More information might be needed."",""Thought"": ""The financial document does not give a clear answer for the minimum premium applicable for the policy.""},"
"{  ""Question"": ""What is the company's policy on the insurance of Electronic Data?"",  ""Answer"": ""This policy does not insure loss, damage, destruction, distortion, erasure, corruption, or alteration of electronic data from any cause whatsoever, including but not limited to a computer virus. Nor does it cover loss of use, reduction in functionality, cost, expense of whatsoever nature resulting therefrom, regardless of any other cause contributing to the loss."",  ""thought"": ""This information directly corresponds to the given information.""  },"
"{""Question"":""What factor determines if a premium adjustment will be required?"", ""Answer"": ""A premium adjustment will not be required if the Declared Values under Section I and Section II collectively at expiry be 5% or less than the Declared Values at inception of this policy."", ""Thought"":""This information is provided in clause 2. Premium Adjustment (e).""},"
"{""Question"": ""What is the limit on the Customers’ Goods section of the MS First Capital Insurance Limited policy?"",""Answer"": ""The limit on the Customers’ Goods section of the MS First Capital Insurance Limited policy is SGD 500,000."",""Thought"": ""This was directly mentioned in the document under the 'Customers’ Goods' section. There weren't any complexities in the detail required.""},"
"{""Question"": ""What is the condition precedent for premium payment?"",""Answer"": ""The validity of this Policy is subject to the condition that the named insured has never had any insurance terminated in the last twelve (12) months due 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 provided a copy of the written confirmation from the previous insurer to the Company before cover incepts."",""thought"": ""The document mentions the conditions for premium payment - these include meeting certain criteria in terms of not having insurance terminated due to breach of payment conditions or in cases where such a breach has occurred, requirements like full payment of outstanding premiums and provision of confirmation from previous insurer. No further information is required to answer this.""}"
"{  ""Question"": ""What is the address of the insured property?"",  ""Answer"": ""The address of the insured property is 20 JALAN JALAN, SINGAPORE 899114."",  ""thought"": ""The address was provided under 'Situation' in the provided document.""},"
"{""Question"": ""On what date was the policy issued?"",""Answer"": ""The policy was issued on 25/08/2022."",""thought"": ""The date of issue is directly mentioned in the document, no additional information required or inferred.""},"
"{""Question"": ""What is the Gross Premium for this policy?"",""Answer"": ""The gross premium for this policy is SGD 20,325.00"",""thought"": ""The gross premium for the policy was mentioned in the document under 'Gross Premium: SGD*********20,325.00'. The extra characters in the gross premium value are most likely placeholders or encryption for secure documents. The answer didn't require any information outside the given document.""}"
"{""Question"": ""What scenarios of 'CONSEQUENTIAL LOSS' does the policy not cover?"",""Answer"": ""The policy does not cover 'CONSEQUENTIAL LOSS' caused by scenarios such as inherent vice, latent defect, faulty workmanship, operational error or omission, defective design, destruction caused by steam pressure of any vessel machine or apparatus, pressure waves caused by aircrafts or other aerial devices, among others. It also does not cover for corrosion, rust, theft, mechanical or electrical breakdown, and loss resulting from pollution or contamination."",""thought"": ""All the scenarios that the policy does not cover are mentioned under the 'EXCLUSIONS' section. However, each of these points has additional clauses of cases when the exclusion does not apply.""},"
"{  ""Question"": ""Does the policy allow for adjustments to the 'Insured Amount per Week' and the 'Administration and Research Establishment Expenditure'?"",  ""Answer"": ""Yes, the policy allows for adjustments to both the 'Insured Amount per Week' and the 'Administration and Research Establishment Expenditure' to account for trends, variations and other circumstances. The aim of these adjustments is to reflect, as nearly as reasonably possible, the results that would have been obtained during the relative period after the Damage if the Damage had not occurred."",  ""thought"": ""This information is discussed in the policy, stating provisions for adjustments under the heading 'Administration & Research & Development Expenses'.""}"
"{""Question"": ""What is the policy number?"", ""Answer"": ""D-23023966FAIR/9"", ""thought"": ""The policy number D-23023966FAIR/9 is directly mentioned in the policy renewal schedule.""}"
"{""Question"": ""What to do in case of a claim?"",""Answer"": ""All claims are to be submitted on the prescribed form as soon as possible. Assistance is available at the Claims Service Centre (CSC) located at the 2nd level of Income Centre, or the information can be found on the website www.income.com.sg/claims. Contact can also be made through the call centre at 6788 1122 or by emailing at cs@income.com.sg."",""thought"": ""The document provides clear instructions on how to submit a claim.""},"
"{""Question"": ""Who is the Chief Executive Officer of the company?"",""Answer"": ""Mack Eng"",""thought"": ""The CEO's name was clearly identified in the document. The name does not refer to any additional information not provided.""},"
"{""Question"": ""What does 'Cyber Loss' mean as mentioned in the financial document?"",""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 any hoax relating to these, and any error or omission or accident in respect of any Computer System, Computer Network or Data."",""thought"": ""The question focuses on the definition provided directly in the document. No additional information is necessary.""},"
"{""Question"": ""What are the applicable clauses for this policy?"",""Answer"": ""The applicable clauses for this policy are 1)MORTGAGEE CLAUSE, 2)NON-CANCELLATION CLAUSE, 3)PROFESSIONAL FEES, and 4)REMOVAL OF DEBRIS."",""thought"": ""The information is provided directly in the text under 'Preprinted Endts/Clauses/Warranties Applicable'. No additional information is necessary.""},"
"{""Question"": ""Does the policy cover deeds and other documents while temporarily removed?"", ""Answer"": ""Yes, the insurance by this Policy extends to cover deeds and other documents for an amount not exceeding 10 per cent of their total value whilst temporarily removed to any premises not in the Insured’s occupation and whilst in transit by road rail and inland waterway all in the republic of Singapore."", ""Thought"": ""The information is mentioned in the 'Temporary Removal' section. The policy does cover deeds and other documents while they are temporarily removed, but only up to 10% of their total value.""}"
"{""Question"": ""What is covered under the 'Full Flood Endorsement'?"",""Answer"": ""This endorsement covers loss or damage to the property directly caused by flood which is defined as overflowing or deviation from their normal channels of either natural or artificial water courses, bursting or overflowing of public water mains and any other flow or accumulation of water originating from outside the building insured. But it excludes any loss or damage by flood caused by earthquake, volcanic eruption, hurricane, cyclone, typhoon or windstorm; by subsidence or landslip; and the first S$1,000/- of each and every loss."",""thought"": ""The coverage in regard of flood is described under the 'Full Flood Endorsement'. No additional information is required.""},"
"{""Question"": ""What is the company registration and GST registration number of MS First Capital Insurance Limited?"",""Answer"": ""The company registration number of MS First Capital Insurance Limited is 195000106C and the GST registration number is M2-oooi676-9."",""Thought"": ""Both the company registration number and the GST number were directly stated in the document. There was no need for further inference or calculation for these details.""},"
"{""Question"": ""Who is the loss payee according to this policy?"",""Answer"": ""According to this policy, the Bank named in the Schedule is the loss payee. They are interested in any monies which, but for this endorsement, would be payable to the Insured in case of loss of or damage to the insured property."",""thought"": ""Although the information in the document allowed me to explain who the loss payee was in general terms, a more specific response would require knowledge of what bank is named in the Schedule, which the document does not provide.""}"
"{""Question"": ""What does the term 'Cyber Loss' mean?"",""Answer"": ""Cyber Loss refers to any loss, damage, liability, claim, cost, or expense of any nature that is directly or indirectly caused by or linked to a Cyber Act or Cyber Incident. This includes actions taken to control, prevent, suppress, or remediate any Cyber Act or Cyber Incident."",""Thought"": ""No additional information is required to answer this question as the definition is provided in the document.""},"
"{""Question"": ""What are some of the exclusions from the Electronic Equipment Breakdown Insurance Schedule?"",""Answer"": ""The policy does not cover damage caused by war, nuclear, government action, error in machine programming or instructions to the machine, wear and tear, gradual deterioration, and any fraudulent, dishonest or criminal act. It also excludes any governmental ordinance or law regulating construction or repair or demolition or condemnation of buildings, interference to the premises by strikers or with rebuilding, and the suspension or cancellation of any lease, contract or order."",""thought"": ""A list of specific exclusions was mentioned in the document which includes situations such as war, nuclear, and government action, among others. The document clearly outlines these exclusions, so no additional source was needed. ""}"
"{""Question"": ""If there's other fire insurance on the property, how is the liability divided?"",""Answer"": ""If there's other fire insurance on the property, the liability for any loss or damage by explosion is divided pro rata with such other fire insurance."",""thought"": ""The document mentions this under Special Condition (b) of the insurance policy.""},"
"{""Question"": ""Is damage to property in transit included in the policy?"",""Answer"": ""No"",""thought"": ""The available text mentions that damage to property in transit is not covered by the policy. This is explicitly mentioned in section 10.2.""}"
"{""Question"": ""Where are claims to be notified?"",""Answer"": ""Claims are to be notified to the Claims Department, Zurich Insurance Company Ltd (Singapore Branch) located at 50 Raffles Place, Singapore Land Tower #29-01, Singapore 048623."",""thought"": ""Obtained the information from the available data under the section 'notification of claims to'. No extra information is necessary.""},"
"{""Question"": ""What are the company's liabilities in case of a war or any act of terrorism?"",""Answer"": ""The company will not be liable for death, disability, loss, damage, destruction, any legal liabilities, cost or expense including consequential loss of whatsoever nature, directly or indirectly caused by, resulting from or in connection with any situations related to war, acts of terrorism, invasion, acts of foreign enemies, hostilities or warlike operations, civil war, rebellion, revolution, insurrection, civil commotion, military or usurped power."",""thought"": ""The document clearly describes the company's exemption from liability in case of war or any act of terrorism.""}"
"{""Question"": ""Who is the insurance marketed, arranged and managed by?"",""Answer"": ""The insurance is marketed, arranged and managed by Underwriting Agencies of Singapore Pte Ltd."",""thought"": ""The document states that the Underwriting Agencies of Singapore Pte Ltd is the one marketing, arranging and managing the insurance policy.""},"
"{""Question"": ""What are some exceptions to the exclusions in the insurance policy of MS First Capital Insurance Limited?"",""Answer"": ""The insurance policy of MS First Capital Insurance Limited allows exceptions for structural improvements on land, bridges, canals, canals, roadways and tunnels, railway tracks, dams and reservoirs, docks, wharves and piers if they are on premises occupied or used by the insured. Specific damages to parts immediately and directly affected during the course of normal processing of the property are also excluded. It also excludes property under normal maintenance, overhaul, repair and similar works. However, the damage to property undergoing construction, erection or alteration is not covered unless it occurs in the same event with the highest single deductible being applied."",""thought"": ""This was a detailed question requiring me to analyze the given sections. No additional information is needed as the given document sufficiently outlines the exceptions within the policy exclusions.""}"
"{    ""Question"": ""What is the period of insurance?"",    ""Answer"": ""The period of insurance is from 11th August 2022 to 11th August 2023 at 12:01 a.m. Local Standard time"",    ""thought"": ""The answer is directly found from point number 4 in the given document. There's no need for additional information here.""},"
"{""Question"": ""What are the prerequisites for the validity of this Policy?"",""Answer"": ""The validity of this Policy is subject to the condition precedent that: (a) for the risk insured, the named insured has never had any insurance terminated in the last twelve (12) months due solely or in part to a breach of any premium payment condition; or (b) 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: (i) 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 (ii) 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 directly available in the document. No outside source or information needed for this question.""},"
"{""Question"": ""What is the policy number?"",""Answer"": ""P 90415915 MAR"",""thought"": ""The policy number is provided under the 'Policy No.' section of the document.""},"
"{""Question"": ""What is the excess amount for the Landslip and Subsidence Clause?"",""Answer"": ""The excess amount for the Landslip and Subsidence Clause is S$15,000/- each and every occurrence."",""thought"": ""The document provided the information about the excess amount directly under the Landslip and Subsidence Clause."" },"
"{""Question"": ""What constitutes expediting expenses in the policy?"",""Answer"": ""Expediting expenses in the policy cover extra charges for overtime, night work, work on holidays and express freight excluding airfreight."",""thought"": ""The details of 'Expediting Expenses' are mentioned in the document, specifying what charges they include. The answer is thus directly derived from the financial information provided.""},"
"{""Question"": ""What is the Policy No.?"",""Answer"": ""The Policy No. is D-23023966FAIR/9."",""thought"": ""The Policy No. is clearly stated in the document, no further documents or information required.""},"
"{""Question"": ""What law jurisdiction is applicable to disputes over interpretation of this policy?"",""Answer"": ""In the event of any dispute over interpretation of this policy, the law of Singapore will apply and jurisdiction will be in the Courts of Singapore."",""Thought"": ""The document outlines the applicable law and jurisdiction.""}"
"{""Question"": ""What is the coverage policy for physical damage caused by listed perils under the effects of Computer Virus?"",""Answer"": ""In the event that a peril listed results from any of the matters described relating to computer viruses, this policy, subject to all its terms, conditions, and exclusions, will cover physical damage occurring during the Policy period to property insured by this Policy directly caused by such listed peril."",""thought"": ""The answer is directly derived from the information given in the document under the clause related to the impact of computer viruses.""}"
"{""Question"": ""How will the insurance company compensate for losses?"",""Answer"": ""In case of a claim, all proceeds except for any claims related to reinstatement and/or replacement relative to actual, agreed or compromised losses will be paid to the insured party. Their receipt will discharge the insurer’s liability under the policy."",""thought"": ""This is directly mentioned in section 16 of the provided document. Additional information is not required.""},"
"{""Question"": ""What is the condition for recovery under this policy?"",""Answer"": ""It is a condition precedent to recovery under this Policy that the Policies and Limits of the Primary and Underlying Excess Insurers set forth in Items 9 and 10 of the Schedule shall be maintained in full force and effect, except for any reduction or exhaustion of any underlying aggregate limits of liability contained therein solely by the amount of loss(es) paid or admitted during the policy year."",""thought"": ""This condition directly implies that the policies and limits need to be kept up-to-date and any changes in those can affect the recovery claims. This is clear from the text given.""}, "
"{    ""Question"":""What is the name of the insurance policy holder?"",    ""Answer"":""JAM ENGINEERING & CONSTRUCTION PTE LTD"",    ""Thought"":""The insured is mentioned directly in the financial document and hence the answer for the same is directly retrieved from the document.""},"
"{""Question"": ""Where are the business activities of the insured 'Developments Private Limited' as mentioned in the insurance document?"", ""Answer"": ""Investment holding and trading, property development and investment, fund investment and management, property owners, and all other activities incidental thereto or in which the Insured may be or become engaged."",""thought"": ""The description of the business activities is in the given document. No need to look for additional information.""},"
"{""Question"": ""What does the insurance policy under F11. Sprinkler Leakage cover?"",""Answer"": ""The insurance policy under F11. Sprinkler Leakage covers loss or damage to the insured property directly caused by water discharged or leaking from the Automatic Sprinkler Installation installed in the premises occupied by the Insured. However, this does not include damage to the Sprinkler Installation itself and the discharge or leakage of water should be accidental, not caused by heat from fire, premise alterations or repairs, modifications to the Sprinkler Installation, government orders, or explosions."",""thought"": ""The document provides detailed information about the coverage of the insurance under the policy F11. However, it excludes any information about premium amounts or process to claim this insurance.""},"
"{  ""Question"": ""Who is the insured party on this policy?"",  ""Answer"": ""The insured party on this policy is WONG KAY POH & CHONG KAY CHENG as mortgagors and DBS BANK LTD as mortgagee."",  ""thought"": ""The insured details were been defined under 'The Insured' section in the provided document. The answer was extracted directly from there.""},"
"{""Question"": ""What happens if the business of the Insured is wound up or carried on by liquidator or receiver or permanently discontinued?"",""Answer"": ""If the business of the Insured is wound up or carried on by a liquidator or receiver or permanently discontinued, the policy shall be avoided unless its continuance is admitted by endorsement signed by or on behalf of the Company."",""Thought"": ""This information is directly mentioned in point 8 'Avoidance'. There's no need for any external information.""},"
"{""Question"": ""What are the conditions for the work of replacement or reinstatement according to the Special Provisions?"",""Answer"": ""The work of replacement or reinstatement can be carried out on another site and in any manner suitable to the requirements of the Insured, provided that this does not result in increased liability for the Company. It must commence and be carried out with reasonable despatch and needs to be completed within 12 months after the destruction or damage. The Company may allow additional time in writing during these 12 months. If the work is not completed in this timeframe, the payment will not exceed the amount payable under the Policy if this memorandum had not been incorporated."",""thought"": ""The answer to this question was explicitly stated in the financial information document.""},"
"{""Question"": ""What is the name of the insurance company?"",""Answer"": ""MSIG Insurance (Singapore) Pte. Ltd."",""thought"": ""The name of the company is listed clearly at the top of the document.""},"
"{""Question"": ""Under what conditions can this policy be cancelled?"",""Answer"": ""The policy can be cancelled by the Company by sending thirty (30) days’ notice by sending a registered letter to the Insured’s last known address, in such event the Insured shall be entitled to a pro-rata return of premium for the unexpired portion of the insurance. It can also be cancelled by the Insured by sending thirty (30) days’ notice to the Company in writing. Provided that no claim has arisen during the current Period of Insurance, the Insured shall be entitled to a return of the premium less the Company’s short period rates for the period the Policy has been in force."",""thought"": ""The cancellation terms are explicitly outlined within the document under General Conditions. It is however important to note that the specifics may change on a case by case basis or change over time, thus referring to the most recent policy document would be necessary for most accuracy.""},"
"{""Question"": ""What is the Duration for the policy B 300558534 MAR?"",""Answer"": ""The policy B 300558534 MAR is valid from 05/03/2023 to 31/12/2023."",""thought"": ""The duration of the insurance policy was determined based on the 'Period of Insurance' specified in the document.""}"
"{""Question"": ""What is the premium for this insurance policy?"",""Answer"": ""The premium for this insurance policy is SGD0.00."",""Thought"": ""In the document the premium value was stated as 'SGD0.00'.""}"
"{""Question"": ""Who is the issuer of this policy?"",""Answer"": ""The policy is issued by Great Eastern General Insurance Limited."",""thought"": ""This is clearly stated in the policy and the information about the company including Registry number and contact information is provided in the document.""},"
"{""Question"": ""What will happen if the company finds out any fraudulent activities concerning the claim under this policy?"",""Answer"": ""If the claim is found in any respect fraudulent, or if any false declaration is made or used in support of it, or if any fraudulent means or devices are used by the Insured or anyone acting on his behalf to obtain any benefit under this policy, all benefit under this policy shall be forfeited."",""thought"": ""The document clearly states that the company takes fraudulent activities seriously. If there is any fraudulent activity related to the claim, then according to the policy, all benefits will be forfeited. We don't need more information for this question.""},"
"{""Question"": ""What is the duty of disclosure?"",""Answer"": ""The duty of disclosure is a reminder that you must fully and faithfully disclose the facts you know or ought to know; otherwise, you may not receive any benefit from your policy."",""thought"": ""The definition of duty of disclosure is directly stated in the document.""}["
"{""Question"": ""How does the Extra Cost of Reinstatement apply?"",""Answer"": ""The Extra Cost of Reinstatement applies to buildings, machinery, plant and all other property and contents, but not to the items specified in items (b) to (k) under Basis of Settlement. It includes the extra cost of Reinstatement of Damaged and/or undamaged property incurred to comply with any Act, Regulation or any By-Law of any Municipal or other Statutory."",""Thought"": ""The 'Extra cost of Reinstatement' section has the information needed to answer this question. There's no need to consult other documents or sources since the relevant information is provided in the document.""}"
"{""Question"": ""What amount is recoverable under professional fees and claims preparation & recompiling records cost?"",""Answer"": ""The liability of the Company shall not exceed an amount as specified in the Schedule. Unless otherwise stated in the schedule, a limit of SGD 5,000 is applicable for this clause."",""Thought"": ""The maximum limit for professional fees and claims preparation & recompiling records cost is directly mentioned in the document. However, additional information might be available in the schedule, which is not provided.""},"
"{""Question"": ""Does the policy cover the costs needed to comply with Building or other Regulations under or framed in pursuance of any Government Act or By-Laws of any Municipal or Local Authority?"",""Answer"": ""Yes, the insurance by this Policy extends to cover the additional cost of reinstatement of the destroyed or damaged property that may be incurred due to the necessity to comply with Building or other Regulations under any Government Act or By-Laws of any Municipal or Local Authority. However, certain conditions apply."",""thought"": ""The answer was located in the 'Public Authorities' section. It specifies coverage for additional costs incurred due to necessary compliance with governmental regulations and by-laws. However, the full extent of the exceptions and conditions would require a complete reading of all the given and possibly additional related documents.""}"
"{  ""Question"": ""What is the notice period of cancellation by the company?"",  ""Answer"": ""The Notice of Cancellation by the company is amended to 14 days."",  ""Thought"": ""This information on cancellation notice is readily available in the document. No additional information required.""}"
"{""Question"": ""What circumstances might lead to the avoidance of the policy?"",""Answer"": ""The policy will be avoided if the business of the Insured is wound up or carried on by a liquidator or receiver or permanently discontinued; or the Insured’s interest ceases otherwise than by death, unless its continuation is admitted by endorsement signed by or on behalf of the Company."",""thought"": ""The information is mentioned under the 'Avoidance' section.""},"
"{""Question"": ""What are some cases in which the company will not be liable for damage?"",""Answer"": ""The company is not liable for damage in several cases including: repair or replacement necessitated by wear, corrosion, erosion, deposits of scale, sludge or other sediment, or any other direct consequence of progressive or continuous influences of working or atmospheric or chemical action; consequential loss, liquidated damages or penalties for delay or detention or in connection with guarantees of performance or efficiency; damage arising out of the willful act or gross negligence of the Insured or his representatives."",""thought"": ""The document explicitly defines the cases in which the company will not be liable for damages.""},"
"{""Question"": ""What does the term 'Output' mean in the context of MS First Capital Insurance Limited's policy?"", ""Answer"": ""In the context of MS First Capital Insurance Limited's policy, 'Output' refers to the sale and/or invoice value of goods manufactured and/or processed by the insured in course of business at the premises."",""thought"": ""The document provides a direct definition of 'Output' in the Turnover/Output Alternative section. Further, it explains how the value of 'Output' should be calculated if goods are manufactured and/or processed elsewhere during the Indemnity Period.""},"
"{""Question"": ""What steps are the insured required to take in the event of a theft?"",""Answer"": ""In the event of a theft, the insured is required to give immediate notice to the policy and take all practicable steps to discover the thieves and recover any missing property."",""Thought"": ""The steps to be taken in case of theft are detailed under the 'Full Theft' section. The document clearly states two steps to be taken by the insured.""}"
"{  ""Question"": ""What happens to the insurance cover after a loss covered by this Policy?"",  ""Answer"": ""The amount of insurance cover reduced by such loss will be automatically reinstated as from the date of the loss provided the Insured pays the appropriate additional premium computed from the date of the loss to the expiry of the Period of Insurance."",  ""thought"": ""The document suggests that, once a loss that is covered by the policy is experienced, the insurance coverage gets automatically reinstated from the date the loss occurred. However, the insured must pay an additional premium prorated from the loss date to the end date of the insurance period.""}"
"{  ""Question"": ""What does the insurance cover in respect of 'Rent Receivable'?"",  ""Answer"": ""In respect to 'Rent Receivable', the insurance covers the loss of rent (including amounts due for services rendered and recoverable expenses) arising during the Indemnity Period, as a result of damage. Any shortfall in rent received or receivable during the Indemnity Period is covered, as well as any additional expenditure reasonably incurred to avoid and diminish the loss of rent. Any sum saved during that period in respect of the charges or expenses payable out of rent that may cease or be reduced in consequence of the Damage, is also covered."",  ""thought"": ""This is outlined under the heading 'Item No.7 - On Rent Receivable'.""},"
"{""Question"": ""Who is the insured under this policy?"",""Answer"": ""The insured under this policy is RMG RESOURCES (SINGAPORE) PTE. LTD. and DBS BANK LTD for their respective rights and interests."",""Thought"": ""The document specifies the insured party. All the relevant information was in the document.""},"
"{""Question"": ""Who is the insurer of the policy?"",""Answer"": ""The insurer of the policy is QBE Insurance (Singapore) Pte Ltd."",""thought"": ""This information is mentioned at the beginning of the document also it's indicated in the 'Insurer' section.""},"
"{  ""Question"": ""What is excluded from this insurance policy?"",  ""Answer"": ""The policy excludes any Cyber Loss and any loss, damage, liability, claim, cost, expense directly or indirectly caused by, contributed to by, resulting from, arising out of or in connection with any loss of use, reduction in functionality, repair, replacement, restoration or reproduction of any Data, including any amount pertaining to the value of such Data."",  ""Thought"": ""The exclusions are clearly mentioned in the document provided. No need to refer to any additional information.""}"
"{""Question"": ""On what basis is the Sum Insured under this policy?"",""Answer"": ""The Sum Insured under this policy is on Indemnity Basis."",""thought"": ""The information is stated under the 'Sum Insured - Indemnity Basis' heading in the document. The document also clarifies that this represents the value of the property at the time of loss and depreciation will be considered. Further details about how the depreciation is calculated or applied is not provided in the document.""}"
"{""Question"": ""What is the limit set for the Auditors' and Accountants' Fee?"",""Answer"": ""The limit set for the Auditors' and Accountants' Fee is S$100,000/-."",""thought"": ""The limit for the Auditors' and Accountants' Fee is given in the document under the Applicable to Section 2 - Business Interruption section. It is stated as S$100,000/-.""},"
"{""Question"": ""What does the term 'Explosion' mean in this policy?"",""Answer"": ""'Explosion' in this policy means the violent rending of the permanent structure of the Plant by force of internal steam or fluid pressure causing bodily displacement of any part of the structure together with forcible ejectment of the contents. However, in the case of a steam test, at a pressure not exceeding the maximum pressure permitted by the inspecting authority, the term ‘Explosion’ shall not mean failure under any test."",""thought"": ""This interpretation of 'Explosion' is based on the document's explicitly stated definition. The policy has established a specific meaning for 'Explosion' that accounts for the specific scenarios of pressure and test situations.""},"
"{""Question"": ""What is the total sum insured for the policy?"",""Answer"": ""SGD188,510,000"",""Thought"": ""The Total sum insured is clearly provided at the end of the financial document.""},"
"{  ""Question"": ""What is the maximum indemnity period for Loss of Attraction according to the MS First Capital Insurance Limited Policy No. D-23023966FAIR/9?"",  ""Answer"": ""The maximum indemnity period for Loss of Attraction is 6 months."",  ""thought"": ""The indemnity period was directly mentioned under the Loss of Attraction clause in the document. Therefore, no additional information was required to answer this question.""},"
"{""Question"": ""What will invalidate the insurance as per the policy terms?"",""Answer"": ""The insurance will be invalidated if there's any non-occupancy or change of ownership or increase of hazard which the owner knows about but doesn't notify the insurer, unless it's permitted by the policy."",""thought"": ""The document details various conditions under which the insurance might get invalidated. Reaching beyond this document would not be necessary.""},"
"{""Question"": ""What are the endorsements applicable to this policy?"",""Answer"": ""The endorsements applicable to this policy include Malicious Damage Endorsement, Aircraft Damage Endorsement, Impact Damage Endorsement, Standard Explosion Endorsement, Water Damage due to Bursting or Overflowing of Water Tanks, Earthquake, Windstorm and Flood Endorsement, Full Flood, and Riot and Strike Endorsement."",""thought"": ""The endorsements are listed clearly and directly in the document. No additional information or redirection needed.""},"
"{""Question"": ""What is the policy number of the insurance?"",""Answer"": ""The policy number of the insurance is 2023-F0235604-FRC-R003."",""thought"": ""The policy number is mentioned very straightforward in the document under 'POLICY INFORMATION'. No additional information or redirection needed.""},"
"{""Question"": ""What is the limit applicable to the cost of Demolition and Clearing Erection of Hoardings as per the policy?"",""Answer"": ""The limit applicable for this clause is SGD 1,000,000."",""thought"": ""The limit is found in clause 17 of the given document, clearly specifying the cost for this clause.""},"
"{""Question"": ""What is the meaning of 'unlawful association' in this context?"",""Answer"": ""'Unlawful association' in this context means any organization 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 question refers directly to the definition given in the text, so no additional information is needed to answer it.""},"
"{""Question"": ""Who has the authority to cancel the policy?"", ""Answer"": ""Only the “First Named Insured”, by virtue of the powers delegated by the Singapore-registered entities, is authorized to cancel this policy."", ""Thought"": ""The authority to cancel the policy is clearly specified in the document. It's specified that only the first named insured has this authority.""},"
"{""Question"": ""What is the policy number of the insurance policy?"",""Answer"": ""ZFA8001197SN"",""Thought"": ""The policy number is stated in the financial information given. We don't need any additional details for this.""}"
"{""Question"": ""What does the Sanction Limitation and Exclusion Clause LMA3100 (Amended) state about claims and benefits?"",""Answer"": ""No insurer shall be liable to pay any claim or provide any benefit, to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose the insurer to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom, United States of America and/or any other applicable national economic or trade sanction, laws, and regulations."",""thought"": ""Sanction Limitation and Exclusion Clause LMA3100 (Amended) is clearly mentioned in the document provided. Thus, no external information was required to generate an answer for this question.""}"
"{""Question"": ""Under what conditions does the Severance Payments clause apply?"",""Answer"": ""The Severance Payments clause applies in respect of any amounts which the Insured may agree or shall become obliged to pay under any industrial awards or determinations or decisions reached under arbitration for severance payments and/or additional Pay-Roll to those employees whose services are terminated as a result of the Damage."",""thought"": ""The information is clearly stated in point 23 of the document, no further documents or information required.""}"
"{        ""Question"": ""What is required from the insured in case of a claim?"",        ""Answer"": ""The insured need to provide books of account, business books, invoices, balance sheets, and other documents, proofs, information, explanations or other evidence as may be required by the insurers."",        ""thought"": ""The document lists a number of material that the insured is required to furnish in case of a claim. These reference to documents that will help establish the claim itself.""     },    "
"{""Question"": ""What is the maximum percentage, the insurance can cover for the Architects' Surveyors' & Consulting Engineers' Fees Clause?"",""Answer"": ""The liability of the Company under this Memorandum shall in no case exceed 10% of the sum insured in respect of the item involved."",""thought"": ""The document clearly states that Architects', Consulting Engineers', Surveyors' fees cannot exceed 10% of the sum insured for the property involved. Therefore, no further information is needed.""}"
"{""Question"": ""Who does the company promise to advise prior to the cancellation of this policy?"",""Answer"": ""The company undertakes to advise DBS Bank Ltd prior to the cancellation of this policy if instructions have been received for the cancellation from the insured."",""Thought"": ""This piece of information is mentioned in the 'Non-Cancellation Clause' of the policy. ""},"
"{""Question"": ""What are the conditions under which the corporation shall apply this policy to an indemnifiable loss, if a prior policy was terminated, cancelled or expired?"",""Answer"": ""The policy shall apply to an indemnifiable loss which is discovered after the termination, cancellation or expiry of the previous policy but not later than one year from such date, provided such loss would have been indemnifiable under such prior policy except for the fact that the discovery period of such previous policy has expired. The indemnity afforded shall be part of and not in addition to the amount of guarantee afforded by this policy. And if the prior policy may have provided a lower indemnity limit compared to this policy and would have been liable if not for the expiry of the discovery period specified in the prior policy, the corporation shall indemnify the Insured only up to the amount of guarantee afforded under the prior policy."",""thought"": [""The policy mentions specific conditions under which an indemnifiable loss is covered. Additional information might be needed if the specific details of the previous coverage or discrepancies in the coverage amounts between the two policies were asked.""]},"
"{""Question"": ""What is the Serial No of the unit of used caterpillar D6R IT LGP track type tractor?"",""Answer"": ""BPZ00148"",""thought"": ""The question directs for the Serial No of a specific machinery. By looking at the 'Serial No' column for the machinery listed in the question, the answer was found as BPZ00148.""},"
"{""Question"": ""What risks does the policy exclude?"",""Answer"": ""The policy excludes Waterborne Risks and Offshore Risks."",""thought"": ""This information is found in 'Memo 1' of the provided document, stating that Waterborne Risks and Offshore Risks are excluded from the policy. This fact was directly written, making this an clear question and answer.""},"
"{  ""Question"": ""What is the importance of duty of disclosure?"",  ""Answer"": ""The importance of duty of disclosure is to ensure that all facts relevant to the insurance policy are fully and faithfully disclosed. Non-disclosure may result in the insured receiving no benefit from the policy."",  ""thought"": ""The duty of disclosure refers to the obligation of the insured to fully and faithfully reveal all known facts relevant to the insurance policy. The document emphasizes this importance in order to avoid any consequences of non-disclosure such as the insured not receiving any benefits from their policy.""},"
"{""Question"": ""What is the deductible for each insured contractors' plant and equipment for each event of physical damage, loss, or destruction?"",""Answer"": ""The document does not specify a deductible for each insured contractors' plant and equipment for each event of physical damage, loss or destruction under 'RECOVERY COSTS - DAMAGE'."",""thought"": ""A deductible is the amount you pay out of pocket before your insurance begins to pay. Since this document does not contain any details regarding the deductible, we must conclude that this information is missing.""}, "
"{""Question"": ""What options does the Company have in case of any loss to the electronic data processing equipment or media?"",""Answer"": ""The Company reserves the discretion to either take all or any of the electronic data processing equipment of electronic data processing media at the ascertained or appraised value, repair or replace any lost or damaged electronic data processing equipment or media with others of similar kind and quality within a reasonable time. The intention to do so must be expressed within 30 days of proof receipt. Loss to electronic data processing equipment or media of others insured may be adjusted with and paid to the property owner or the Insured, as their respective interests appear."",""thought"": ""The Company has multiple options when handling loss to the electronic data processing equipment or media, but the preferred option is not indicated in the document. Further information on how the 'ascertained or appraised value' is determined is also not provided.""},"
"{""Question"": ""What is the period of the insurance?"",""Answer"": ""The period of the insurance is from 10/05/2023 to 09/05/2024."",""thought"": ""The insurance period can be found under the section labeled 'Period of Insurance', no additional information required.""},"
"{""Question"": ""What is the Alternative Basis of Settlement A in MS^FirstCapital's policy?"",""Answer"": ""The Alternative Basis of Settlement A in MS^FirstCapital's policy involves calculating the amount payable based on indemnity. If the damage is repairable, it considers the cost of restoration to normal working order and condition, including the value of replacement parts, labour charges at standard rates of wages, transport costs at ordinary rates and customs duties or other imposts if levied. There is no deduction for depreciation in respect of any replaced parts. If there is total loss or destruction, the calculation involves the Indemnity Value of the Machinery immediately prior to the occurrence of the damage plus the cost of dismantling necessary to remove the item from its installed position but minus the value of any salvage. An item is deemed a total loss if the cost of repair equals or exceeds the market value immediately prior to the occurrence of the damage. If any Machinery is not repaired, rebuilt or replaced, the basis of adjustment shall be the Indemnity Value."",""Thought"": ""The information was straightforwardly presented in the document under the section Alternative Basis of Settlement A. No other information was needed to fully understand the policy's terms.""} "
"{""Question"": ""What is the type of policy issued by MS^FirstCapital?"",""Answer"": ""The type of policy issued by MS^FirstCapital is INDUSTRIAL ALL RISKS INSURANCE."",""Thought"": ""The document explicitly states the type of policy, so no further inference or additional information is required to answer this question.""},"
"{""Question"": ""What conditions under which the insurance policy does not cover in case of Riot And Strike?"",""Answer"": ""The Insurance does not cover (i) loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever, (ii) loss of damage resulting from total or partial cessation of work or the retarding or interruption or cessation of any process or operation, (iii) loss or damage occasioned by permanent or temporary dispossession resulting from confiscation, commandeering or requisition by any lawfully constituted authority, (iv) loss or damage occasioned by permanent or temporary dispossession of any building resulting from the unlawful occupation by any person of such building."",""thought"": ""The policy document provides a clear statement of the exceptions where the policy does not cover in case of Riot And Strike. No additional or external information was required to answer this question.""}"
"{""Question"": ""Does the policy cover loss, damage, liability, claim, cost or expense directly or indirectly caused by a Communicable Disease?"",""Answer"": ""No, this policy does not cover any loss, damage, liability, claim, cost or expense of whatsoever nature, directly or indirectly caused by a Communicable Disease or the fear or threat (actual or perceived) of a Communicable Disease."",""thought"": ""The coverage details pertaining to communicable diseases was found in the 'CDE1 - Communicable Disease Exclusion' section of the policy.""},"
"{""Question"": ""What is the procedure in case of damage extending over a period of more than 72 hours according to the policy of MS First Capital Insurance Limited?"",""Answer"": ""Under the policy terms of MS First Capital Insurance Limited, if damage can be established to have occurred from the same single event over a continuing period in excess of 72 hours, only one Deductible will be applicable."",""thought"": ""The question was generated from the info under the section '72 Hours Clause' in the policy. The information is clear and does not refer to anything outside the provided document.""}, "
"{""Question"": ""What is the contact number of QBE Insurance (Singapore) Pte Ltd?"",""Answer"": ""The contact number of QBE Insurance (Singapore) Pte Ltd is (65) 6224 6633."",""thought"": ""The telephone number given in the financial information directly answers this question.""},"
"{  ""Question"": ""What does the policy cover in case of accidental loss, destruction, or damage during the period of insurance?"",  ""Answer"": ""The policy covers that if any building or other property used by the Insured at the Premises for the purpose of the Business is accidentally lost, destroyed, or damaged during the period of insurance, the Company will pay the Insured the amount of loss resulting from such interruption or interference."",  ""Thought"": ""This information is clearly stated in the document under the 'Business Interruption' section.""},"
"{""Question"": ""Define 'Shortage in Turnover'."",""Answer"": ""'Shortage in Turnover' is the amount by which the Turnover during a period falls short of the part of the Standard Turnover related to that period, in consequence of the Damage."",""thought"": ""The answer is directly referring to the given document, no additional information is required.""},"
"{""Question"": ""What is the insured property?"",""Answer"": ""The insured property is a EPB2500AB Tunneling Machine and ancillary equipment."",""Thought"": ""In this case, the description of the insured property was provided directly in the document so I just referred to the relevant section.""}"
"{""Question"": ""Who is the Loss Payee specified in the document?"",""Answer"": ""The Loss Paye as per the document is DBS BANK LTD."",""Thought"": ""The document clearly states DBS BANK LTD as the Loss Payee.""},"
"{""Question"": ""What is meant by 'Virus or Similar Mechanism' stated in the policy?"",""Answer"": ""Virus or Similar Mechanism refers to the program code, programming instruction, or any set of instructions intentionally constructed with the ability to damage, interfere with, or otherwise adversely affect computer programs, data files or operations,—it can involve self-replication or not. The definition of Virus or Similar Mechanism includes but is not limited to trojan horses, worms, and logic bombs."",""thought"": ""The term 'Virus or Similar Mechanism' is clearly defined in the document, referring to potentially damaging software or codes.""},"
"{""Question"": ""What is the property insured against under 'Smoke Damage' extension?"",""Answer"": ""The property is insured against loss or damage directly caused by smoke due to a sudden unusual and faulty operation of any heating or cooking unit only when such unit is connected to a chimney by a smoke pipe or vent pipe and while in or on the described premises. This does not cover smoke from fireplaces or industrial apparatus."",""thought"": ""Smoke damage is covered under specific circumstances related to heating or cooking units and their operations. There are also certain specific exceptions. Information about 'Smoke Damage' is clearly laid out in the document.""}"
"{""Question"": ""What is the Automatic Reinstatement Clause in the policy?"",""Answer"": ""Unless the Insured requests otherwise, the insurance under Sections I and II and each item of Sections I and II and the Indemnity Period applicable to Section II shall be automatically reinstated in their entirety subject to additional Premium calculated from the time of Reinstatement, whatever the amounts paid by Insurers may be in respect of claims lodged or paid. The Memorandum does not apply to Sub-Limits of Liability stated in the Schedule as being in the aggregate."",""thought"": ""The information is straightforward and contained within the text document. There is no need to infer or redirect for additional information.""}, "
"{ ""Question"": ""What does the 'Breach Of Warranties' section state?"", ""Answer"": ""Any breach of the within warranties without the knowledge and consent of the Insured shall not prejudice this insurance provided notice in writing be given to the Company immediately upon such breach coming to their knowledge."", ""Thought"": ""The question is generated from the 'Breach Of Warranties' section of the text. It explains that if the warranties are breached without the insured's knowledge or consent, it won't affect the insurance coverage if the company is notified in writing immediately upon discovery of said breach."" },"
"{""Question"": ""What are some of the risks not covered by this insurance policy?"",""Answer"": ""Some of the risks not covered by the insurance policy include loss by theft during or after a fire, damage caused by the property's own natural heating, drying or fermentation process, burning of property by a public authority order, subterranean fire, damage caused by nuclear weapons material and ionising radiations, and nuclear waste from the combustion of nuclear fuel."",""thought"": ""This insurance policy does not seem to cover a good range of common issues and may not provide comprehensive coverage. But, more details might be needed to confirm that, which are not specified in the document.""},"
"{""Question"": ""Who holds the ownership of the property as per the Hire Purchase Clause?"",""Answer"": ""The hire purchase company stated in the schedule are the owners of the property."",""thought"": ""The clause 'It is hereby declared and agreed that the hire purchase company stated in the schedule (hereinafter referred to as the owners) are the owners of the property...' provides the clear answer to this query. The information given in the document is sufficient for this answer.""},"
"{""Question"": ""What is the issuer name for the Industrial All Risks Policy?"",""Answer"": ""The issuer of the Industrial All Risk policy is Great Eastern General Insurance Limited."",""thought"": ""The issuer of this policy was clearly stated in the financial information towards the end of the document."" },"
"{""Question"": ""What additional provision is provided under the Additional Premises section?"",""Answer"": ""Under the Additional Premises section, the insurance includes any loss of or damage to the property insured at unspecified storage location of class one construction anywhere within the Republic of Singapore, subject to a limit of SGD100,000 at any one location. The insured must notify the Company within 30 days from the date of occupation of the premises for the provision to apply and subject to additional premium charged."",""Thought"": ""No further information is needed to understand this part.""}"
"{""Question"": ""What does the Electrical Installation Clause 4B cover?"",""Answer"": ""The Electrical Installation Clause 4B covers loss or damage by fire to the electrical appliances and installation insured under the policy. This includes those arising from over-running, excessive pressure, short circuiting, arcing, self-heating, or leakage of electricity from whatever cause (lightning included). However, it does not cover loss or damage to any electrical machine, apparatus, fixture or fitting, or to any portion of the electrical installation, unless caused by fire or lightning."",""thought"": ""The information provided in the document covers the query thoroughly, making it completely clear what is covered under the Electrical Installation Clause 4B. So, there are no requests for additional info outside the current document.""},"
"{""Question"": ""What is the Unique Entity Number of the insurance underwriting agency?"",""Answer"": ""The Unique Entity Number of the underwriting agency is 201612183E."",""Thought"": ""The unique entity number (UEN) for Underwriting Agencies of Singapore Pte Ltd was provided in the document.""},"
"{""Question"": ""Is the policy subject to terms, exceptions and conditions?"",""Answer"": ""Yes, the policy is subject to the terms, exceptions and conditions of the policy."",""Thought"": ""The policy's cover and claim payments would be subject to its terms and conditions. Specific details regarding these are not mentioned in the information provided and would be available in the policy wording. Additional data beyond this document is required for more detailed information.""}"
"{""Question"": ""Under what conditions is the insurer not liable for any loss?"",""Answer"": ""The insurance company is not responsible for any loss unless the damaged property is insured against such damage. Moreover, the insurer by which such property is insured must have paid for, or admitted liability in respect of, such damage unless no such payment was made or liability was not admitted. This could be due to a provision in the insurance excluding liability for loss below a specific amount or owing to the damaged property not being covered by Section I of the policy."",""Thought"": ""The information regarding the conditions under which the insurer can be absolved of liability was contained in the document. No additional resources were required.""}, "
"{""Question"": ""What is  the company's address?"",""Answer"": ""The address of the company is 1 Happy Road, Fancy Hub, Singapore 889454"",""thought"": ""The company's address is clearly stated after the 'Address:' in the document.""}"
"{  ""Question"": ""What is excluded from property damage under this policy?"",  ""Answer"": ""Under this policy, damages to data or software, including any detrimental change in data, software or computer programs that is caused by a deletion, corruption, or deformation of the original structure, and any business interruption losses resulting from such damage are excluded. However, loss or damage to data or software which is the direct consequence of insured physical damage to the substance of property shall be covered."",  ""thought"": ""The query seeks information on the specifics of coverage for property damage under this policy. This is directly stated in the given document, under the 'Property Damage' clause.""},"
"{""Question"": ""How will the cost of repair or replacement for buildings, machinery, plant and all other property and contents be determined according to the insurance?"",""Answer"": ""The cost of reinstatement, replacement or repair in accordance with the Reinstatement and Replacement and Extra Cost of Reinstatement Memoranda as set out in the policy."",""thought"": ""The basis of the settlement is clearly mentioned in the document under 'BASIS OF SETTLEMENT' section.""},"
"{""Question"": ""Who is the intermediary of the insurance policy?"",""Answer"": ""The intermediary is ACCENT INSURANCE AGENCIES PTE LTD with the code 11A06904."",""thought"": ""This information was acquired from the statement 'Intermediary Code 11A06904 Policy No D23PDMORT001153... Intermediary Name ACCENT INSURANCE AGENCIES PTE LTD'.""}"
"{""Question"": ""When was this policy issued?"",""Answer"": ""The policy was issued on 25/08/2022."",""thought"": ""The date of issuance was clearly mentioned in the document, so there was no need to reference any other source to answer this question.""},"
"{""Question"": ""What is the Unique Entity Number of QBE Insurance (Singapore) Pte Ltd?"",""Answer"": ""The Unique Entity Number of QBE Insurance (Singapore) Pte Ltd is 198401363C."",""thought"": ""The Unique Entity Number provided in the document directly answers this question.""},"
"{""Question"": ""What is the Limit of Indemnity for any one occurrence?"",""Answer"": ""The Limit of Indemnity for any one occurrence is SGD1,000,000."",""Thought"": ""This is the maximum amount that can be claimed from the policy for a single occurrence of a covered event.""},"
"{""Question"": ""Who is the insured party?"",""Answer"": ""The document doesn't explicitly mention the insured party's name."",""thought"": ""The financial document does not provide the name of the insured party. This usually appears on the insurance certificate or in a policy schedule.""},"
"{  ""Question"": ""What happens when the sum insured does not represent at least 85% of the reinstatement or replacement value?"",  ""Answer"": ""If the sum insured does not represent at least 85% of the reinstatement or replacement value, the Insured will be considered as being their own insurer for the difference and shall bear a rateable share of the loss."",  ""thought"": ""The clause 'Average Relief Clause 85%' mentions that if the insured sum is less than 85% of the property's replacement value, the insured needs to bear the difference which indicates they are partly self-insuring the property. This is a standard clause to ensure proper insurance coverage.""},"
"{""Question"": ""What is the policy number?"",""Answer"": ""The policy number is 5135735442."",""Thought"": ""The policy number is directly provided in the document, no extra information was needed.""}, "
"{""Question"": ""What is stated under the 'Transit Risks' clause?"",""Answer"": ""Under the 'Transit Risks' clause, the policy is extended to cover accidental loss of or damage to the insured property while in transit, including while being towed on public and private roads or loaded onto or unloaded from the conveyance on any public road within the territorial limits of Singapore. However, it does not extend to cover any property insured where such transit is part of a transit under a contract of carriage, or if cover is provided under marine cargo, throughput or open cover insurance."",""Thought"": ""The Transit Risks clause is pretty comprehensive in terms of what’s covered. It's explicitly clear about when the policy applies and the specific circumstances in which it does not.""},"
"{""Question"": ""What is the phone number of the insurer MSIG Insurance?"",""Answer"": ""+65 6827 7888"",""Thought"": ""The contact information for MSIG Insurance is given at the top of the document.""},"
"{""Question"": ""How does the MS First Capital Insurance Limited policy view Debris Removal coverage and what is the limit?"",""Answer"": ""The MS First Capital Insurance Limited policy extends to cover costs and expense necessarily incurred in the removal of debris, dismantling, or demolishing shoring up or propping of the part of the property insured destroyed or damaged by a peril insured against. The total limit for claim for loss or damage and costs of removal of debris is SGD 20,000,000."",""Thought"": ""This information was directly stated under the 'Debris Removal' section. No further details needed outside of the document.""},"
"{    ""Question"": ""What happens if there is any material misdescription of the insured property?"",    ""Answer"": ""If there be any material misdescription of any of the property hereby insured, or of any building or place in which such property is contained, or any misrepresentation as to any fact material to be known for estimating the risk, or any omission to state such fact, the Company shall not be liable upon this Policy so far as it relates to property affected by any such misdescription, or misrepresentation or omission."",    ""thought"": ""The answer specifies the consequences of misdescription and misrepresentation, which results in the company not being liable for the insured property affected by such misdescription or misrepresentation. This question and answer do not redirect to any other information beyond what is mentioned but might lead to further inquiries about the company's policies on misdescription and misrepresentation.""},"
"{""Question"": ""What is the coverage limit for removal of debris under policy number MAR/23-MA001405-R001?"",""Answer"": ""The insurance covers 10% of the sum insured for the cost and expenses incurred in the removal of debris."",""thought"": ""The given document directly provides the data to generate the question and its answer. There is no need to link to any external information.""},"
"{  ""Question"": ""When was the issue date of the policy?"",  ""Answer"": ""The policy was issued on 25/08/2022."",  ""thought"": ""The issue date is clearly mentioned in the document, no further information required.""},"
"{""Question"": ""What is the extent of the insurance coverage in case of theft under policy number MAR/23-MA001405-R001?"",""Answer"": ""The policy covers loss or damage to the property insured due to theft of spare parts and accessories subject to the limit stated in the schedule for each occurrence or in aggregate. However, this does not extend to unexplained losses, shortages discovered upon taking inventory, fraud or dishonesty by the insured's employees, error or omission-related losses, and shoplifting and pilferage."",""thought"": ""The provided document contains all the necessary information to generate a question about the policy coverage in case of theft and to formulate an answer. No referral to external data is required.""},"
"{""Question"": ""What is the total premium due for the policy?"",""Answer"": ""The total premium due for the policy is SGD 513.60."",""thought"": ""The total amount due comprises of the premium which is SGD 480.00 and GST which is SGD 33.60, therefore totaling to SGD 513.60.""},"
"{""Question"": ""What does the Electronic Date Exclusion clause state?"",  ""Answer"": ""The Electronic Date Exclusion clause states that the insurance does not cover any loss or damage 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, save, retain, or correctly to manipulate, interpret or process any data due to treating any date otherwise than as its true calendar date, and capture, save, retain or correctly to process any data as a result of the operation of any command."",  ""Thought"": ""The document contains the complete information about Electronic Date Exclusion clause and there is no need for further or external information.""},"
"{""Question"": ""In the event of automatic sprinkler leakage, is the cost of water removal and cleaning operations incidental thereto covered by the Policy?"",""Answer"": ""Yes, the Policy insures against the cost of water removal and cleaning operations incidental to a loss or damage caused by water discharged or leaking from any automatic sprinkler installation."",""thought"": ""The answer was explicitly found in the financial information provided, the policy does cover cost of water removal and cleaning operations due to a leakage.""}"
"{""Question"": ""Who are the arrangers and managers of the insurance policy?"",""Answer"": ""The insurance policy is marketed, arranged, and managed by Underwriting Agencies of Singapore Pte Ltd."",""thought"": ""This information is provided in the first line of the document.""},"
"{  ""Question"": ""What is the policy number and the period of insurance?"",  ""Answer"": ""The policy number is 8-H0004153-HPK-R007 and the period of insurance is from 21/11/2022 to 20/11/2023."",  ""thought"": ""The policy number and the period of insurance were directly listed on the document under 'Policy Number' and 'Period of Insurance' respectively.""},"
"{""Question"": ""What is the registered company name in the provided document?"",""Answer"": ""The registered company name in the provided document is 'MS First Capital Insurance Limited'."",""Thought"": ""The company name was directly mentioned in the financial document.""},"
"{    ""Question"": ""How can damaged property be considered under the 'Control of Damaged Property and Branded Goods' clause?"",    ""Answer"": ""According to the 'Control of Damaged Property and Branded Goods' clause, the policy gives control of physically damaged property, whether it's work in progress or finished goods, to the insured. Any salvage of goods, merchandise, or work in progress should not be disposed of by sale without the consent of the insured. If there is no sale, the salvage value is considered the market value of the goods after removing any brands, labels, or names. Optionally, the insured can choose to have the salvaged goods destroyed under supervision, in which case they are considered to have no salvage value and to have been damaged in circumstances covered by the policy."",    ""thought"": ""The information was extracted directly from the given text under '14. Control of Damaged Property and Branded Goods'. There is no need to seek further information elsewhere.""},"
"{""Question"": ""Is loss or damage caused by hail covered under this policy?"",""Answer"": ""No, loss or damage caused by hail, whether driven by wind or not, is not covered under this policy."",""Thought"": ""The document explicitly excludes damage caused by hail from the coverage.""}"
"{""Question"": ""What is the policy number of MS First Capital Insurance Limited?"",""Answer"": ""The policy number of MS First Capital Insurance Limited is D-23023966FAIR/9 ."",""thought"": ""The policy number is a unique identification code assigned to each insurance policy. The policy number is clearly stated in the document. No additional information not provided in the document is required.""},"
"{""Question"": ""What is the name of the policy owner of commercial fire insurance?"",""Answer"": ""The policy owner is Way Convertor Industries Pte Ltd."",""thought"": ""The information was apparent in the financial document under 'The Insured'. No additional information was needed outside of the given document.""},"
"{  ""Question"": ""What happens if a claim is fraudulent or involved fraudulent means?"",  ""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 benefit under this policy shall be forfeited."",  ""Thought"": ""The answer is found directly in the text. No other sources are needed for verification.""},"
"{""Question"": ""What is the GST rate applied?"",""Answer"": ""The GST rate applied is 8.0%."",""thought"": ""The document mentioned that a GST rate of 8.0% is applied.""},"
"{""Question"": ""What happens if the sum insured of the damaged items is less than the amount required to be insured?"",""Answer"": ""If the sum insured of the damaged items is less than the amount required to be insured, the amount payable under this endorsement for such extra charges will be reduced in the same proportion."",""Thought"": ""This means that the policy has a proportional reduction clause for underinsurance. This is a standard clause in insurance policies that ensures the insured does not benefit from underinsuring their property.""},"
"{  ""Question"": ""Under what conditions will the company's liability be limited under this policy?"",  ""Answer"": ""The liability of the Company would be limited to its rateable proportion of such loss if at the time of any loss, destruction, or damage resulting in a loss under this policy, there is any other insurance effected by or on behalf of the Insured covering such loss or any part of it."",  ""Thought"": ""The answer is found directly in the text. No other sources are needed for verification.""}"
"{""Question"": ""What are the details of the property insured under this policy?"",""Answer"": ""The insured property is located at 70 MUSEUM STREET, SINGAPORE 069443 and the details of the property include renovation, furniture, fixtures and fittings, and electrical equipment with a sum insured of SGD 360,000.00 and the building itself with a sum insured of SGD 1,240,000.00."",""thought"": ""The location and interest insured section in the document provides information on the details of the property insured under this policy.""},"
"{""Question"": ""What equipment is insured under this policy and for how much?"",""Answer"": ""Under this policy, a unit of a EPB2500AB Tunneling Machine and ancillary equipment is insured. The total sum insured for this equipment is SGD 1,500,000."",""thought"": ""The insured equipment and sum were identified from the 'Item Property Insured Sum Insured' section of the financial information.""} "
"{""Question"": ""What is covered by the 'Loading and Unloading Clause'?"",""Answer"": ""The 'Loading and Unloading Clause' covers loss or damage to the property insured while it is being loaded or unloaded."",""Thought"": ""The statement about the 'Loading and Unloading Clause' is straightforward and requires no further inquiry for comprehension. It accurately specifies that any loss / damage incurred during loading or unloading of insured goods is covered under this clause.""}"
"{    ""Question"":""What does the policy not cover?"",    ""Answer"":""The policy does not cover any claim arising directly or indirectly from the failure or inability of any computer or other equipment or system for processing storing or retrieving data."",    ""Thought"":""The exclusions are mentioned in the document and hence is directly extracted for the answer.""}"
"{""Question"": ""What does the term 'Cyber Act' refer to?"",""Answer"": ""A 'Cyber Act' is an unauthorised, malicious, or criminal act or series of related unauthorised, malicious or criminal acts, regardless of the time and place, or the threat or hoax thereof, that involves access to, processing of, use of or operation of any Computer System."",""Thought"": ""The document directly provides the definition for the 'Cyber Act', no additional information is needed.""},"
"{""Question"": ""Under what conditions is no liability attached to this policy in respect of Section II losses arising out?"",""Answer"": ""No liability will attach to this policy in respect of Section II losses arising out of the cover provided by this Memorandum unless an amount is shown under the Business Interruption Sub-Limit of Liability for Minor Works stated in the Schedule and then only for each loss up to that limit."",""Thought"": ""The document states the conditions clearly, so no additional information is needed.""},"
"{""Question"": ""What are the details provided for contacting the Motor Underwriting Dept of MS First Capital Insurance Limited?"",""Answer"": ""The Motor Underwriting Department of MS First Capital Insurance Limited is located at 16 Raffles Quay #42-01 Hong Leong Building, Singapore 048581. The contact telephone number is (65) 6507 3848 and the fax number is (65) 6507 3849."",""Thought"": ""The details were mentioned directly in the document, I didn't need to make use of any external resource or infer anything.""}"
"{    ""Question"": ""What is the arbitration policy as per this document?"",    ""Answer"": ""Any dispute or difference which arises under this policy, whether relating to the amount to be paid or interpretation of the terms, shall be referred for arbitration in English by a sole arbitrator in Singapore. If parties are unable to agree on an arbitrator, the President of the Court of Arbitration of the Singapore International Arbitration Centre shall appoint the arbitrator. Parties agree to submit to arbitration within the meaning of the Arbitration Act and in accordance with the Arbitration Rules of the Singapore International Arbitration Centre. The decision of the arbitrator is final and binding on the parties."",    ""Thought"": ""The document provides detailed requirements for the arbitration process and specifies that the decision charged by the arbitrator is final and binding. No further information from external sources is needed.""}"
"{  ""Question"": ""What happens when the activities of the administration function of the business and/or the research establishment are totally interrupted due to damage?"",  ""Answer"": ""In the event of total interruption of the administration function of the business and/or the research establishment due to damage, MS First Capital Insurance Limited will provide the Insured Amount per week to cover the Research Establishment Expenditure."",  ""thought"": ""The insurance policy outlines what happens when there is total interruption due to damage. The Insured amount per week would be given out.""},"
"{""Question"": ""Can the Insured abandon any property to the Company?"",""Answer"": ""No, the Insured is not entitled to abandon any property to the Company whether the property has been taken possession of by the Company or not."",""thought"": ""The document clearly delineates that the insured cannot abandon any property to the company, irrespective of whether the company has taken possession of it or not. This information is directly mentioned in the document and no extra data is needed.""}"
"{""Question"": ""According to F54, what is the basis for the calculation of the amount payable under the policy?"",""Answer"": ""The basis upon which the amount payable under the policy is to be calculated is the cost of replacing or reinstating on the same site property of the same kind or type but not superior to or more extensive than the insured property when new."",""thought"": ""This information is stated directly in section F54 of the financial document. No additional information is required from outside the document.""}Question: ""What happens if the insured fails to intimate to the company within 6 months from the date of destruction or damage?""Answer: ""This clause shall be without force or effect. The insured should indicate his intention to replace or reinstate the property destroyed or damaged within 6 months from the date of destruction or damage, or such further time as the Company may in writing allow. If he fails to do so, the clause is inapplicable.""Thought: ""The document provides explicit information regarding the situation where the insured fails to notify the company within stipulated time period. No further information is necessary.""Question: ""What does the insurance by this Policy extend to under the section 'Removal Of Debris' (F55)?""Answer: ""The insurance by this Policy extends to cover costs and expenses necessarily incurred by the Insured in the removal of debris including dismantling or demolishing shoring up or propping of the portion or portions of the property insured by this Policy destroyed or damaged by fire or by any other peril hereby insured against.""Thought: ""The document explains that the insurance covers costs for removal of debris and other related functions, due to destruction from various perils.""Question: ""What does insurance on rent cover according to section 'Rent' (F56)?""Answer: ""Insurance on rent applies only if any of the insured building(s) or any part of it is unfit for occupation as a result of any of the perils insured against. In such cases, the amount payable shall not exceed such proportion of the sum insured on rent as the necessary period of unoccupancy bears to the term of rent insured.""Thought: ""The document outlines when the rent insurance applies and the calculated payout in these situations. No further information is necessary.""Question: ""According to the 'Special Conditions For Declaration Policies' (F58), what happens if a declaration is not made within the designated thirty days?""Answer: ""If a declaration is not made within the thirty days, the Insured is deemed to have declared the Sum Insured as the value at risk. On expiry of each insurance period, the premium is calculated on the average sum insured. If the resultant premium exceeds the provisional premium, the Insured should pay the difference.""Thought: ""The document clearly provides the details on how the policy is handled if a declaration is not made within the specific timeframe. There is no redirection to different data here."" Note: ""JSON format cannot be properly displayed in plain text, but will be structurally arranged according to the standard key-value pair configuration when implemented in a programming context."""
""
"{""Question"": ""Are damages caused by war or any act of foreign invasion covered by the policy?"",""Answer"": ""No"",""thought"": ""The document clearly states that damages caused by war, invasion, act of foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection, or military or usurped power, nationalization, confiscation, requisition, seizure, or destruction by the government or any public authority are not covered by the policy.""},"
"{  ""Question"": ""What is the total sum insured under policy number P 90415915 MAR?"",  ""Answer"": ""The total sum insured under policy number P 90415915 MAR is SGD2,100,000."",  ""thought"": ""The total sum insured is directly mentioned in the document. No external information is required.""},"
"{""Question"": ""What is the limit for the cost of re-writing records in the policy?"",""Answer"": ""The limit for the cost of re-writing records in the policy is S$1,000.00"",""thought"": ""This detail was found under the section 'ADDITIONAL PERILS/EXTENSIONS', specifically clause F27. No additional information was required.""}"
"{    ""Question"": ""Does the policy cover loss or damage to unset precious stones?"",    ""Answer"": ""No, the policy does not cover unset precious stones."",    ""Thought"": ""The answer is based on the given information, no extra information is required.""  }]"
"{""Question"": ""Does the policy cover any legal liabilities?"",""Answer"": ""The policy does not cover any legal liabilities of whatsoever nature other than as herein provided."",""thought"": ""The financial document provided mentioned that the policy does not cover any legal liabilities unless otherwise stated in the document.""},"
"{""Question"": ""What does the 'Loss of Notification Clause' signify?"",""Answer"": ""The 'Loss of Notification Clause' signifies that the insurance will not be prejudiced by any inadvertent delays, errors or omissions in notifying the company of any circumstances or events giving rise or likely to give rise to a claim under this policy."",""Thought"": ""This question refers directly to the clause named 'Loss of Notification Clause' which indicates that any inadvertent delays or errors in notifying the company about a claim arising will not negatively impact the actual insurance.""},"
"{  ""Question"": ""What is the EJ95 clause regarding the mortgagee?"",  ""Answer"": ""The EJ95 mortgagee clause stipulates that in event of loss or damage, the company will pay the mortgagees or assignees stated on the schedule to the extent of their interest. The clause also discusses the obligations and conditions of the company/mortgagor relationship, and the right of the company to cancel the policy."",  ""thought"": ""The document provides a detailed explanation of the EJ95 mortgage clause and how it relates to the mortgagee, this information was used to generate an answer to the question.""},"
"{    ""Question"": ""What is the date and location of signature?"",    ""Answer"": ""Signed at Singapore on 06/04/2023"",    ""thought"": ""Direct information present in the document, no need for redirection.""},"
"{""Question"": ""Who will the money be paid to in case of loss or damage to the insured property?"",""Answer"": ""The money in case of loss or damage to the insured property will be paid to the Bank named in the Schedule."",""thought"": ""As per the Loss Payee Clause, any funds that would have otherwise been paid to the policy holder will be paid to the bank named in the Schedule. This will continue until a time when the bank provides notice that they have no further financial interest.""},"
"{""Question"": ""What is the policy number mentioned in the document?"",""Answer"": ""The policy number mentioned in the document is 23-EM000011-R02."",""thought"": ""The policy number is usually found on the insurance policy document and it is unique to each policy.""}, "
"{""Question"": ""What is the company's policy on Approved Adjusters Clause?"",""Answer"": ""In the event of any loss covered by this Policy the amount of such loss will be adjusted by any of the following firms: Insight Adjusters and Surveyors Pte Ltd, Crawford and Company International Pte Ltd, Sedgwick Singapore Pte. Ltd., McLarens Singapore Pte Ltd or any other adjuster the Company may appoint from time to time."",""thought"": ""The information is straightforward and contained within the text document. There is no need to infer or redirect for additional information.""},"
"{""Question"": ""Who is the co-insurer for this policy?"",""Answer"": ""India International Insurance Pte Ltd is the co-insurer for this policy."",""thought"": ""The answer is directly given in the provided financial information. There are no related pieces of information outside the given document.""},"
"{""Question"": ""What is the policy number?"",""Answer"": ""The policy number is D-23023966FAIR/9."",""thought"": ""The policy number was directly stated in the document, no further information was required.""},"
"{""Question"": ""What is the meaning of 'Gross Profit' as per Section II of the policy?"",""Answer"": ""In Section II, 'Gross Profit' is defined as the amount by which the sum of the Turnover and the amount of the Closing Stock and Work in Progress exceeds the sum of the amount of the Opening Stock and Work in Progress and the amount of the Uninsured Working Expenses."",""thought"": ""The answer is directly referring to the given document, no additional information is required.""},"
"{""Question"": ""What is meant by 'act of terrorism' in this insurance policy?"",""Answer"": ""An act of terrorism in this policy refers to any act that involves the use of force or violence, or the threat thereof, committed by any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s), for political, religious, ideological, or similar purposes. It includes acts committed with the intention to influence any government and/or instil fear among the public or any section of the public."", ""Thought"": ""For this question, the definition given in the policy itself under the section 'U038 War and Terrorism Exclusion Endorsement' is used.""},"
"{""Question"": ""What is the role of the Motor Underwriting Department for MS First Capital Insurance Limited ?"", ""Answer"": ""The given document does not provide specific details about the role of the Motor Underwriting Department for MS First Capital Insurance Limited."", ""thought"": ""The document only provides contact details for the Motor Underwriting Department, but it does not mention their specific roles or responsibilities.""}"
"{""Question"": ""How is 'Service' defined in this insurance policy document?"",""Answer"": ""Under the 'Service' section, this insurance policy provides coverage for physical loss caused directly by an insured peril to the property directly associated with telephone, gas, water, and electrical services, supplied under contract to the insured location. This property should either belong to the insured or be a responsibility of the insured."",""Thought"": ""The 'Service' provision is marked out plainly in the provided document.""}, "
"{    ""Question"": ""What happens to the insurance cover in the event of any loss covered by the Policy?"",    ""Answer"": ""In the event of any loss covered by the policy, the amount of insurance cover reduced by such loss will be automatically reinstated from the date of the loss, provided the insured pays the appropriate additional premium computed from the date of the loss to the end of the insurance period."",    ""thought"": ""The document specifies the process that takes place when a loss covered by the policy occurs. It doesn't suggest any different pathway.""},"
"{""Question"": ""What does the policy cover under 'Memo D'?"",""Answer"": ""Under 'Memo D', the policy extends to cover leakage of oil from any fixed oil fire heating installation including loss or damage due to defective vaporization smoke or smudge."",""Thought"": ""The explanation for 'Memo D' is available in the document. All information needed for generating the answer was found in the document.""},"
"{""Question"": ""What is the limit for the Costs of Recompiling Records and Claims Preparation according to the policy?"",""Answer"": ""The limit for the Costs of Recompiling Records and Claims Preparation according to the policy is S$2,500 in aggregate."",""thought"": ""The question is referencing information directly provided in the document, under the Cost of Recompiling Records and Claims Preparation clause. There is no requirement for additional information from external sources.""}"
"{""Question"": ""What is the period of insurance?"",""Answer"": ""The insurance period is from 04/05/2023 to 03/05/2024."",""thought"": ""This information was found in the 'Period of Insurance' section.""},"
"{""Question"": ""What requirements must be met for the insurance company to be liable under the reinstatement provision?"",""Answer"": ""The work of reinstatement must be commenced and carried out with reasonable dispatch. If not, the Insurer shall not be liable to make any payment beyond the amount which would have been payable under this Policy if this memorandum had not been incorporated."",""thought"": ""The information provided outlines the specific conditions that must be met for the insurance company to be liable for the cost of reinstatement.""},"
"{""Question"": ""What is construed as 'Reinstatement' under this policy if the insured decides to buy an existing building?"",""Answer"": ""If the insured elects to purchase an existing building or buildings (including or excluding machinery, plant and all other contents but excluding stock), then such replacement(s) will be deemed as 'Reinstatement' under this policy."",""Thought"": ""This information is found in the last provision (vii). It clarifies how the policy interprets 'Reinstatement' in the context of purchasing an existing building, and what it includes or excludes.""}"
"{  ""Question"": ""Are third parties allowed to enforce the terms of this insurance policy?"",  ""Answer"": ""No, according to the 'Exclusion of Third Party Rights' clause in the policy, a person who is not a party to this agreement has no right under the Contracts (Rights of Third Parties) Act 2001 to enforce any of its terms."",  ""thought"": ""The question addresses legal rights pertaining to third-party involvement. The response is based on explicit details found within the insurance document.""},"
"{""Question"": ""Who would loss payment be made to in the event of damage to the insured property?"",""Answer"": ""In case of any loss, the payment will be made to the Mortgagee (Chargee) as per the Mortgagee/Chargee Clause."", ""thought"": ""The Mortgagee/Chargee Clause clarifies that the loss, if any, is payable to the Mortgagee (Chargee). This implies any individual or institution listed in this role would receive payment in the event of damage under this policy.""},"
"{""Question"": ""What sorts of actions by an individual during a public disturbance are covered by this policy?"",""Answer"": ""The policy covers the act of any person taking part in any disturbance of the public peace and the action of any lawfully constituted authority in suppressing or attempt to suppress any such disturbance or in minimising the consequences of any such disturbance."",""thought"": ""This information is found in (II)(a). The phrase 'disturbance of the public peace' suggests acts like protests or riots.""},"
"{   ""Question"": ""How is electronic data processing media valuation calculated according to the policy?"",  ""Answer"": ""Should electronic data processing media insured by this policy suffer physical loss or damage insured by this policy, then the basis of valuation shall be the cost to repair, replace, or restore such media to the condition that existed immediately prior to such loss or damage, including the cost of reproducing any electronic data contained thereon, provided such media is repaired, replaced, or restored. The cost of reproduction includes all reasonable amounts incurred by the insured in recreating, gathering, and assembling such electronic data. If the media is not repaired, replaced or restored, the basis of valuation shall be the cost of the blank media."",  ""thought"": ""The information was given in the document was thoroughly analysed and presented in a comprehensive manner for the end user.""},"
"{""Question"": ""Does the insurance policy cover subsidiary companies?"",""Answer"": ""Yes, the term 'subsidiary companies' includes any company or its subsidiary that may be formed, purchased or acquired by the Insured during the period of insurance and for which he has management control."",""thought"": ""N/A""},"
"{""Question"": ""What is the protocol in case of a prospect cancellation of the policy?"",""Answer"": ""A 14 days notice must be given to DBS BANK LTD prior to cancellation by the insurer."",""thought"": ""The notice period for cancellation is clearly indicated in the statement 'A 14 days notice to be given to DBS BANK LTD prior to cancellation by the insurer(s).'""},"
"{""Question"": ""What happens if goods are sold or services are rendered elsewhere instead of at the premises during the Indemnity Period?"", ""Answer"": ""If during the Indemnity Period goods are sold or services are rendered elsewhere than at the Premises for the benefit of the Business either by the Insured or by others on the Insured's behalf, the money paid or payable in respect of such sales or services shall be brought into account in arriving at the Turnover during the Indemnity Period."",""thought"": ""Based on the 'Turnover Elsewhere After Damage' section of the document, any sales or services conducted outside the premises should be taken into account for calculating the turnover.""},"
"{""Question"": ""What is the sum insured for the AVN1800TB Tunneling Machine with the model number M-2616M?"",""Answer"": ""The sum insured for the AVN1800TB Tunneling Machine with the model number M-2616M is SGD3,744,235.28."",""thought"": ""The sum insured is provided directly under the details for the AVN1800TB Tunneling Machine with the model number M-2616M. No additional information is required.""}"
"{""Question"": ""What are the conditions under which an obsolete property is permitted for insurance?"",""Answer"": ""Insurance of obsolete property at other than replacement value is permitted if it's specifically listed in the records of the insured. The insured must declare and submit valuation report(s) at the time of insurance if required."",""thought"": ""As per the 'Obsolete Property' section (No. 47), the conditions for insuring an obsolete property are clearly given. The answer to this question is directly extracted from this specific section.""},"
"{""Question"": ""What is the limit for the Capital Additions clause?"",""Answer"": ""The limit for the Capital Additions clause is S$5,000,000 or 5% of sum insured, whichever is lesser."",""Thought"": ""The limit was mentioned directly in the financial document for the Capital Additions clause.""},"
"{""Question"": ""Does the liability of the company have any limitations?"",""Answer"": ""Yes, the liability of the company shall not exceed the sum expressed to be insured on each item according to the schedule, or in total the Sum Insured, or any other sum substituted by endorsement. The liability also won't exceed the amount of the insurable interest of the insured at the time of the incident."",""Thought"": ""The document explicitly states the terms of the liabilities and limits under which the insurance payout would happen.""},"
"{""Question"": ""What is the company's policy on Breach of Warranties?"",""Answer"": ""Any breach of the within warranties without the knowledge or consent of the Insured shall not prejudice this Insurance provided notice, in writing, be given to the Company immediately upon such breach coming to their knowledge."",""thought"": ""The information is straightforward and contained within the text document. There is no need to infer or redirect for additional information.""},"
"{""Question"": ""What does 'Data' refer to according to the policy?"",""Answer"": ""'Data' refers to information, facts, concepts, code or any other information of any kind that is recorded or transmitted in a form to be used, accessed, processed, transmitted or stored by a Computer System."",""Thought"": ""The definition of the term 'Data' is outlined clearly in the document.""},"
"{""Question"": ""Who has the financial interest in the insured property?"",""Answer"": ""DBS Bank Ltd as Chargee"",""thought"": ""The financial interest is mentioned under 'Financial Interest'.""},"
"{""Question"": ""What types of risks does the policy cover?"", ""Answer"": ""The policy covers any physical loss, destruction or damage to the insured property caused by any accident except for those specifically excluded under the policy. It also covers financial losses resulting from the interruption of business at the insured premises caused by a peril insured under Section 1."", ""thought"": ""The cover section clearly defines the risks covered under the insurance policy.""}"
"{ ""Question"": ""What percentage does Sompo Insurance Singapore Pte Ltd cover?"",""Answer"": ""Sompo Insurance Singapore Pte Ltd covers 3.50% of the insurance."",""thought"": ""The document provided the information specifically about the policy cover percentage of Sompo Insurance Singapore Pte Ltd.""},"
"{""Question"": ""What is the purpose of the Additional Increase in Cost of Working insurance coverage according to Item 4?"",""Answer"": ""The Additional Increase in Cost of Working insurance coverage under Item 4 is designed to cover additional expenditure incurred during the Indemnity Period as a result of damage, with the aim of avoiding or reducing reduction in Gross Profit and/or resuming and maintaining normal business operations and services, and/or minimizing the period of interruption of or interference with the business."",""thought"": ""The content under 'Item No. 4 - On Additional Increase in Cost of Working' directly provides the purpose of this particular insurance coverage. So, the answer is based directly on this content.""}"
"{""Question"": ""What is the policy number for Liberty Specialty Markets Singapore Pte. Limited?"",""Answer"": ""The policy number for Liberty Specialty Markets Singapore Pte. Limited is 1000308453-09"",""thought"": ""No outside information needed as the policy number for Liberty Specialty Markets Singapore Pte. Limited was provided in the document.""},"
"{""Question"": ""What is the year of manufacture for the Tunneling Machine under risk number 3?"",""Answer"": ""The Tunneling Machine under risk number 3 was manufactured in the year 2018."",""thought"": ""The manufacturing year of 2018 was directly mentioned under the risk number 3 section in the provided financial document.""},"
"{""Question"": ""Who is the insured party in this policy?"",""Answer"": ""The insured party is Remote Electronic Pte Ltd"",""Thought"": ""The 'Insured' section of the document states the name of the party insured which, in this case, is Remote Electronic Pte Ltd.""},"
"{""Question"": ""On what date was the policy issued?"",""Answer"": ""The policy was issued on 26 Apr 2023."",""thought"": ""The date of issue is obtained directly from the given financial information.""},"
"{""Question"": ""What happens if the insurance policy is cancelled by the insurer?"",""Answer"": ""If the insurance policy is cancelled by the insurer, the insurer retains the pro rata proportion of the premium earned from the date of inception to the date of cancellation. The cancellation does not take effect with respect to property in transit until the property arrives at its final destination."",""thought"": ""The financial implications and effects of cancellation by the insurer are explicitly mentioned in the document, no additional information necessary.""},"
"{""Question"": ""What is the definition of 'Cyber Loss' according to the policy?"",""Answer"": ""Cyber Loss means any loss, damage, liability, claim, cost or expense of whatsoever nature directly or indirectly caused by, contributed to by, resulting from, arising out of or in connection with any Cyber Act or Cyber Incident including, but not limited to, any action taken in controlling, preventing, suppressing or remediating any Cyber Act or Cyber Incident."",""Thought"": ""The information is straightforward and is clearly explained in the document under the 'Definitions' section. No additional information or clarification required.""},"
"{""Question"": ""What is the jurisdiction of this policy?"",""Answer"": ""This policy will be governed by the Singapore law and practice. Any disputes arising from this policy will be exclusively subject to the Republic of Singapore’s jurisdiction."",""thought"": ""The insurance contract specifies the jurisdiction as Republic of Singapore in the event of any disputes. However, for further clarification on jurisdiction related queries, a legal counsel or the insurance company should be consulted.""}"
"{""Question"": ""What is the revised limit for 'All Other Contents Clause'?"",""Answer"": ""The revised limit for 'All Other Contents Clause' is SGD7,500 each(Item (a) to (d)), SGD1,000 (Item (e))."",""Thought"": ""The information is directly provided in the document under 'All Other Contents Clause'.""},"
"{""Question"": ""What type of damage is not covered if it's caused by its own collapse or cracking?"",""Answer"": ""Destruction of or damage to a building or structure"",""thought"": ""The given information states that any destruction or damage to a building or structure caused by its own collapse or cracking is not covered unless it's resulting from a Defined Peril in so far as it is not otherwise excluded. The question is based on this point.""},"
"{""Question"": ""What is the meaning of Rate of Pay-Roll in this context?"",""Answer"": ""The Rate of Pay-Roll is the ratio of Pay-Roll to Turnover during the period between the date of the commencement of the Business and the date of the Damage."",""thought"": ""The document contains enough information to define the Rate of Pay-Roll. No other data source is required.""},"
"{""Question"": ""Who signed the policy?"",""Answer"": ""The policy was signed by the Chief Executive."",""thought"": ""The signatory isn't mentioned by the name in the document. For further details, a different document or source of information may be required.""},"
"{""Question"": ""What is the sum insured under the policy for Gem Property North PTE Ltd?"",""Answer"": ""The insured sum under the policy for Gem Property North PTE Ltd is SGD 271,000,000."",""thought"": ""The sum insured was mentioned in the document under 'Sum Insured SGD 271,000,000'. There was no need to look elsewhere to answer this question.""},"
"{""Question"": ""What is the usage of the insured properties?"",""Answer"": ""The insured properties are occupied as Residential."",""thought"": ""The occupancy details can be found directly in the document under 'Occupied as' section, no additional information needed.""},"
"{""Question"": ""Will 'Time Element' values be included in the calculation of the 'occurrence' Deductible at any 'location' for which no 'Time Element' claim is made?"",""Answer"": ""No, 'Time Element' values will not be included in the calculation of the 'occurrence' Deductible at any 'location' for which no 'Time Element' claim is made."",""thought"": ""Clearly mentioned in the 'general deductible provisions', therefore no need for additional information.""}"
"{""Question"": ""Are the costs for alteration, additions, improvements or overhauls recoverable under this policy?"",""Answer"": ""No, the cost of any alterations, additions, improvements or overhauls shall not be recoverable under this policy."",""thought"": ""This question is directly answered in the current given document. The company explicitly states that it doesn't cover the alteration costs.""},"
"{""Question"": ""What cover extension is provided under 'Memo H'?"",""Answer"": ""Under 'Memo H', cover has been extended to include malicious damage by staff up to a limit of SGD100,000."",""Thought"": ""The document provided the necessary information under 'Memo H' to answer the question. No external information was needed.""},"
"{""Question"": ""What is meant by 'policy year' in this document?"",""Answer"": ""The 'policy year' as understood in this document means a period of one calendar year commencing each year on the day and hour first named in Item 4 of the Schedule."",""thought"": ""The definition of 'policy year' is clearly defined in the definitions section of the document, so I extracted that.""}"
"{""Question"": ""What are the contact details for the Motor Underwriting Dept of MS First Capital Insurance Limited?"",""Answer"": ""The contact details for the Motor Underwriting Dept of MS First Capital Insurance Limited are Tel: (65) 6507 3848 and Fax: (65) 6507 3849. The department is located at 16 Raffles Quay #42-01 Hong Leong Building Singapore 048581."",""thought"": ""The contact details for the Motor Underwriting Dept of MS First Capital Insurance Limited were directly mentioned in the document""}"
"{""Question"": ""What does the Smoke Damage Clause cover?"",""Answer"": ""The Smoke Damage Clause extends the insurance provided by this Policy to include the destruction of or damage to the insured property directly caused by smoke due to a sudden, unusual, and faulty operation of any heating or cooking unit. This applies only where the destruction or damage occurred while that unit was connected to a chimney by a smoke pipe or vent pipe and was in or on the insured premises. Such destruction or damage is deemed to be by fire under this memorandum."",""thought"": ""The answer to this question was directly given in the financial information document.""}"
"{""Question"": ""What are the exclusions for the Inland Transit coverage under this policy?"",""Answer"": ""The exclusions for the Inland Transit coverage include loss, damage or expense caused by or arising out of inherent vice, the nature of the property insured, loss of market or loss of use of any consequential loss or loss due to delay, loss or damage arising from wear and tear, depreciation, gradual deterioration, mildew moth and vermin, loss or damage arising out of mechanical or electrical derangement or failure unless caused by the collision &/or stranding &/or burning &/or sinking of the conveyance, and loss or damage arising as the consequence of hostilities or war-like operations, civil war, revolution, rebellion, insurrection, civil strike arising therefrom."",""Thought"": ""All the exclusions for Inland Transit coverage are mentioned in the document, no external resources are needed to answer this question.""}"
"{""Question"": ""What is the company's policy on expediting expenses?"",""Answer"": ""The insurer will indemnify the insured against the reasonable additional expenses incurred by the insured in respect of overtime working, work on Sundays, holidays, and transport costs at express carrier rates for replacement parts of damaged machinery and/or property for expediting replacements or repairs. The liability of the insurers wouldn't exceed 10% of the cost of the replacement or the repairs or SGD 1,000,000."",""Thought"": ""The 'Expediting expenses' section outlines the company's policy on this matter. All necessary information is included in the document to answer the question.""},"
"{  ""Question"": ""What is the limit for Interruption arising out of Boiler and Pressure vessel explosion?"",  ""Answer"": ""The limit for interruption arising out of Boiler and Pressure vessel explosion is S$2,000,000 for any one occurrence and in the annual aggregate."",  ""Thought"": ""The limit for such interruption is clearly mentioned in the document. Provides clear information about the cover for this particular situation.""}"
"{""Question"": ""Where is the insured property located?"",""Answer"": ""405/407 Airport Road, Singapore 966996"",""Thought"": ""The situation section provides the information about the location of insured property.""},"
"{""Question"": ""What is the insurer company's name and registration number?"",""Answer"": ""The insurer's company name is MS First Capital Insurance Limited and the co.Registration number is 195000106c."",""thought"": ""The company name and registration number are directly mentioned at the start of the document.""}"
"{""Question"": ""What is the date of issue of this insurance?"",""Answer"": ""04/08/2022"",""thought"": ""The date of issue is listed under the 'Date of Issue' section.""},"
"{""Question"": ""What disease is excluded under the policy?"", ""Answer"": ""The policy does not cover any losses attributable to a Communicable Disease."", ""Thought"": ""The Communicable Disease Exclusion Clause clearly states that losses caused by a communicable disease are not covered.""},"
"{""Question"": ""What is the maximum deductible for special conditions related to recovery and damage costs?"", ""Answer"": ""For recovery costs related to destruction, the indemnity shall not exceed 10% of Sum Insured, and a maximum of S$100,000.00. For damage costs, the indemnity shall not exceed 10% of Sum Insured, and a maximum of S$500,000.00."", ""Thought"": ""The information to generate answers related to the maximum deductible available under the special conditions for recovery and damage costs was directly accessible from the given financial document. Further, it is noted that the deductible applies to each event or loss under these conditions.""}"
"{""Question"": ""What is the website of Underwriting Agencies of Singapore Pte Ltd?"",""Answer"": ""The website of Underwriting Agencies of Singapore Pte Ltd is www.uaa.com.au."",""thought"": ""The document mentions the website of the Underwriting Agencies of Singapore Pte Ltd is www.uaa.com.au.""},"
"{""Question"": ""What is the total sum insured for the policy no. B 300558534 MAR?"",""Answer"": ""The total sum insured for the policy no. B 300558534 MAR is not specified in the given document."",""thought"": ""The total sum insured for each item property was mentioned but the overall total for the policy was not specified in the document, we need additional information for that.""},"
"{""Question"": ""Does the policy cover the costs of removing, nullifying or cleaning up seeping, polluting or contaminating substances?"",""Answer"": ""No, the policy specifically states that the indemnity provided by the Removal of Debris clause does not include costs of removing, nullifying or cleaning up seeping, polluting or contaminating substances."",""Thought"": ""The information is found under the 'Removal of Debris' clause, stating clearly that these costs are excluded from the policy.""}"
"{  ""Question"": ""What circumstances are excluded from the insurance coverage according to the policy?"",  ""Answer"": ""Circumstances excluded from the coverage are permanent or temporary dispossession resulting from confiscation, nationalisation, commandeering, or requisition by any lawfully constituted authority, the destruction of property by order of any public authority, loss of and/or damage to or liability arising out of the ownership or possession of any vessel, craft, or power-driven vehicle, non-recovery of drilling accessories below ground, loss or damage due to explosion of any boiler or pressure vessel, loss or damage whilst in transit unless otherwise agreed by endorsement, the amount stated as the Excess for each and every loss or damage, and any claim arising from or consisting of the failure or inability of any electronic circuit or system to process any date, data, information, command, logic or instruction."",  ""thought"": ""There is a long list of exceptions in the insurance policy. Questions can be focused on individual items or aspects. However, the information is not sufficient to provide a thorough interpretation of the conditions of each exception. Further information might be available in another part of the policy document or the insurance company's guidelines.""},"
"{""Question"": ""What is the policy number of the provided financial document?"",""Answer"": ""5135735442"",""Thought"": ""The policy number is explicitly mentioned in the initial lines of the document.""},"
"{""Question"": ""Does this policy provide coverage for overtime, night work on public holidays, and express freight cost?"",""Answer"": ""Yes, the policy provides coverage for overtime, night work on public holidays, and express freight but this is subject to the insured having paid the agreed extra premium. The financial document does not provide a specific coverage amount for these expenses."",""Thought"": ""The document mentions this coverage is provided, but the specific limits or coverage amount is not given in the provided document.""}"
"{""Question"": ""What kind of damages are covered under the 'Smoke Damage' section?"",""Answer"": ""The 'Smoke Damage' section extends to include destruction or damage to the insured property directly caused by smoke due to a sudden unusual and faulty operation of any heating or cooking unit only when such unit is connected to a chimney by a smoke pipe or vent pipe while in or on the described premises. However, it does not cover smoke from fireplaces or industrial apparatus."",""Thought"": ""The conditions for coverage in case of 'Smoke Damage' are laid out in their respective section.""}"
"{  ""Question"": ""What is the limit for the Premises in the Vicinity loss?"",  ""Answer"": ""The limit for the Premises in the Vicinity loss is SGD 10,000,000 in aggregate."",  ""thought"": ""The information was clearly stated in point 8 of the document under the topic Premises in the Vicinity / Denial of Access.""},"
"{  ""Question"": ""What does the EJ96 non-cancellation clause entail?"",  ""Answer"": ""The EJ96 non-cancellation clause involves the insurance company advising the interested party mentioned in the schedule prior to the cancellation of the policy and any other material changes in the terms of the insurance."",  ""thought"": ""The document describes the EJ96 non-cancellation clause, the information included in the document was used to answer this question.""}"
"{""Question"": ""When was the document published?"",""Answer"": ""The document was published in October 2016."",""thought"": ""The date of publication indicated as 10/2016. No additional information required.""},"
"{""Question"": ""What is the maximum amount recoverable for the costs of re-compiling records and claim preparation clause?"",""Answer"": ""The maximum amount recoverable for the costs of re-compiling records and claim preparation clause during any one period of insurance is SGD 100,000."",""Thought"": ""The provided financial information specifies the maximum amount recoverable under this extension. No further information is needed.""},"
"{""Question"": ""What does the Payment on Account Clause entail?"",""Answer"": ""The Payment on Account Clause states that if the insured suffers a loss, payments on account will be made to them if they desire. This is contingent upon the production of a statement of a claim certified by the assessor appointed by the insurance company."",""Thought"": ""This question pertains to the stipulations about claim payments under the insurance policy. The answer, including conditions for payments on account, is directly available in the document and does not require further assumptions or additional information.""},"
"{""Question"": ""What territories are excluded from the insurance policy?"",""Answer"": ""The territories excluded from the insurance policy are Belarus, Russia and Ukraine."",""Thought"": ""It was mentioned in the territorial exclusion section of the document.""},"
"{""Question"": ""What is the policy number of this document?"",""Answer"": ""The document doesn't provide a specific policy number."",""thought"": ""The financial information provided does not include a specific policy number. This information might be found on a more detailed document or a separate policy summary.""},"
"{""Question"": ""What perils does the Fire Insurance Policy cover?"",""Answer"": ""The Fire Insurance policy covers loss or damage by fire, lightning, explosion, as well as other extraneous perils such as riot and strike; malicious damage; impact damage by road vehicles and aircrafts; bursting & overflowing of waterpipes; windstorm and flood."",""thought"": ""The perils are directly mentioned in the document.""},"
"{""Question"": ""What does the Temporary Removal Clause of the policy state?"",""Answer"": ""Each item of property insured under the policy is covered up to a limit of 10% of the sum insured when temporarily removed for cleaning, renovation, modification, repair or other similar purposes. This can be within the same premises, other premises, or in transit via road, rail, or inland waterway in Singapore or Malaysia. The amount recoverable under this clause shall not exceed the amount that would've been recoverable had the loss occurred in the original premises."",""thought"": ""The information regarding the Temporary Removal Clause is clearly outlined in the document, therefore, no additional data is needed.""}"
"{  ""Question"": ""What does 'Defined Peril' mean in this policy?"",  ""Answer"": ""The term 'Defined Peril' as per the policy refers to events like fire, lighting, explosion, aircraft or other aerial devices or articles dropped therefrom, riot and strike, malicious damage, earthquake, windstorm, flood, escape of water from any tank apparatus or pipe or impact by any road vehicle or animal. Loss, damage or consequential loss resulting from these events is insured by the policy."",  ""thought"": ""The question refers to the term as defined within the policy. No extra information beyond the given document was needed.""},"
"{    ""Question"" : ""What happens if a claim is fraudulent or if any fraudulent means are used by the insured?"",    ""Answer"" : ""If a claim is fraudulent, or if any fraudulent means or devices are used by the insured, the insurers have the right to refuse to pay such claim in full or in part as circumstances permit."",    ""thought"" : ""The answer is directly taken from the 'Fraud' section of the policy document. It implies that the insurer holds the right to refuse any fraudulent claims. The specific aspects of how the company identifies fraudulent activities and how it decides to react are not explicitly stated in the document.""},"
"{  ""Question"":""What is the maximum coverage for capital additions?"",  ""Answer"":""The maximum coverage for capital additions is 10% of the sum insured or SGD 10,000,000.00, whichever is less."",  ""thought"":""The information is explicitly stated in the 'Capital Additions' section. No redirection to external information required.""},"
"{""Question"": ""What is the policy number of MS First Capital Insurance Limited?"",""Answer"": ""The policy number of MS First Capital Insurance Limited is D-23023966FAIR/9."",""thought"": ""The answer to this question can only be determined using the information provided in the document. There's no need for any more information.""}"
"{""Question"": ""What is the company's registration number and GST registration number?"",""Answer"": ""The company's registration number is 195000106c and its GST registration number is M2-0001676-9."",""Thought"": ""The registration details of the company are directly mentioned in the text.""},"
"{""Question"": ""What happens when the bank has no further financial interest in the insured property?"",""Answer"": ""When the bank has no further financial interest in the insured property, they give notice to the Company and their receipt is considered a full and final discharge to the Company in respect of any loss or damage."",""thought"": ""This information comes directly from the provided document, clarifying that the bank's receipt is a final discharge for the Company when the bank has no more financial interest in the insured property. ""},"
"{  ""Question"": ""How many arbitrators will the Tribunal consist of?"",  ""Answer"": ""The Tribunal shall consist of three (3) arbitrators."",  ""Thought"": ""The answer is found directly in the text. No other sources are needed for verification.""},"
"{    ""Question"": ""What happens under the Contribution Clause if there are other insurances covering the same property?"",    ""Answer"": ""If at the time of any loss or damage happening to any property hereby insured, there be any other subsisting insurance or insurances whether effected by the Insured or by any other person or persons, covering the same property, the Income shall not be liable to pay or contribute more than its rateable proportion of such loss or damage."",    ""Thought"": ""The document clearly defines the contribution clause, stating that the Income is only responsible for its proportional share if other insurances also cover the property in the event of a loss. No further explanation or information from outside sources is required.""}"
"{""Question"": ""Does the policy cover physical damage of the insured machinery from any accidental and external cause arising from hoisting operations?"",""Answer"": ""Yes, the policy does extend to cover physical damage of the insured machinery from any accidental and external cause arising from hoisting operations."",""thought"": ""The Hoisting Risk clause present in the text extends the policy coverage to physical damages of the insured machinery caused by any accidental and external cause during hoisting operations.""},"
"{""Question"": ""What is the policy number for MS First Capital Insurance Limited?"",""Answer"": ""The policy number for MS First Capital Insurance Limited is D-23023966FAIR/9."",""thought"": ""The policy number is clearly stated in the document, no additional information required.""},"
"{""Question"": ""Who is the Chief Executive of the insurance company?"",""Answer"": ""The Chief Executive of the insurance company is Andrew Yeo."",""Thought"": ""The name of the Chief Executive was mentioned in the closing of the letter.""}, "
"{   ""Question"": ""What is the Maximum Indemnity Period specified in the Closure of Premises Clause?"",   ""Answer"": ""The Maximum Indemnity Period specified in the Closure of Premises Clause is 90 days."",   ""Thought"": ""The Maximum Indemnity Period is directly stated in the Closure of Premises Clause of the document. No further information or redirection is needed.""}"
"{""Question"": ""What is the policy number of this document?"",""Answer"": ""D-23023966FAIR/9"",""thought"": ""The policy number is stated in the document""},"
"{""Question"": ""When does the liability attach to the Insurers?"",""Answer"": ""The liability attaches to the insurers only after the Primary and Underlying Excess Insurers have paid or have admitted liability for the full amount of their ultimate net loss liability as set forth in Item 10 of the Schedule."",""thought"": ""Insurers=' liability only kicks in after the primary and underlying insurers have paid their portion. This is directly mentioned in the text.""},"
"{""Question"": ""What is the annual premium for the policy?"",""Answer"": ""The annual premium for the policy is SGD 8,802.00, plus 8% Goods & Services Tax."",""thought"": ""The annual premium was clearly stated at the end of the document, there was no need to infer or calculate anything.""}"
"{""Question"": ""What is covered under the 'Professional Fees' section of the insurance?"",""Answer"": ""The 'Professional Fees' section extends to include Architects', Surveyors', and Consultant Engineers' legal and other fees for estimates, plans, specifications, quantities, tenders, and supervision necessarily incurred in the reinstatement upon the destruction or damage to the property by Fire or any other Peril insured against. However, it does not include such fees for preparing a claim. The amount should not exceed 10% of the Sum Insured."",""Thought"": ""The details of this coverage are explained clearly in the 'Professional Fees' section.""},"
"{""Question"": ""What is the company registration number for MS First Capital Insurance Limited?"",""Answer"": ""The company registration number for MS First Capital Insurance Limited is 19S000106C."",""thought"": ""The company registration number was found in the document. No additional information was required from other sources.""},"
"{""Question"": ""What is the total value for the real and personal property insured?"",""Answer"": ""The total value for the real and personal property insured is 43,600,000.00 SGD."",""thought"": ""The total value of the insured property was given in the document.""},"
"{""Question"": ""What is the limit for the cost of replenishing the fire fighting appliances and destruction or damage to such appliances under this policy’s Fire Extinguishment Expenses clause?"",""Answer"": ""The policy limits the cost to a maximum of S$10,000.00 for replenishment of the fire fighting appliances and destruction or damage to such appliances."",""Thought"": ""The document explicitly mentions the maximum amount for this expenditure.""},"
"{""Question"": ""What is the meaning of 'Replacement value' in Cover of Full Replacement Value clause?"",""Answer"": ""'Replacement value' refers to the costs which would have to be incurred immediately before destruction of or damage to an insured item for replacing the destroyed or damaged item by a new item of a similar kind, capacity, size, and quality."",""thought"": ""The question asked for a definition of a term. The answer can be found directly in the financial document. No external information is needed.""},"
"{  ""Question"": ""What procedure is followed in the event of Damage and/or Loss?"",  ""Answer"": ""In the event of Damage and/or Loss, the claim shall be surveyed, investigated and adjusted under the terms and Conditions of the Policy by Nominated Adjuster Sedgwick Singapore Pte. Ltd. Alternatively, and in the event of a conflict of interests and/or by mutual agreement between the Insurers the Insured, or its appointed representative, Crawford & Company or McLarens may be appointed."",  ""thought"": ""The response is gathered from the 'Loss Adjusters' section in the policy information which explains the procedure in the event of Damage and/or Loss. The process involves the claim being surveyed, investigated and adjusted according to the terms and conditions of the policy by Nominated Adjuster Sedgwick Singapore Pte. Ltd. If necessary, other firms can be appointed with mutual agreement. The specific terms and conditions of the policy, or the conditions necessary for the appointment of other firms, are not specified in this document.""  }"
"{""Question"":""What happens when there is a misdescription of occupancy or alteration of occupancy?"",""Answer"":""The policy coverage will not be affected by any misdescription of occupancy or alteration of occupancy as long as the insured notifies the insurance company immediately upon becoming aware of such misdescription or alteration and pays any additional premium as may be required."",""thought"":""The financial document clearly indicates that misdescription or alteration of occupancy doesn't invalidate the policy as long as the insurance company is notified immediately and the insured agrees to pay any additional premium. This suggests that the policy is flexible towards changes in the occupancy.""},"
"{""Question"": ""What is the company registration number of the insurance company?"",""Answer"": ""The company registration number of the insurance company is 1920 00003W."",""thought"": ""The company registration number of the insurance company is mentioned in the document. It is 1920 00003W.""}"
"{""Question"": ""What must the insured do upon knowledge of any occurrence likely to give rise to a claim under the insurance policy?"",""Answer"": ""Upon knowledge of any occurrence likely to give rise to a claim under the insurance policy, the insured must give immediate written advice thereof to the person(s) or firm named for the purpose in Item 13 of the Schedule."",""thought"": ""The action steps the insured must take upon learning any possible claim is mentioned in the document. However, the specific person or firm to be notified (as mentioned in Item 13 of the Schedule) isn't provided in the document.""},"
"{""Question"": ""What type of events are excluded from the insurance due to the Terrorism Exclusion clause?"",""Answer"": ""According to the Terrorism Exclusion clause, this insurance excludes loss, damage, death, injury, illness, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism. It also excludes any action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism."",""thought"": ""The Terrorism Exclusion clause in the document clearly outlines the events that are not covered by the insurance.""}"
"{""Question"": ""Who is the insurer providing this insurance policy?"",""Answer"": ""The insurance policy is provided by Great Eastern General Insurance Limited."",""thought"": ""The insurer's details are found at the bottom of the document.""}"
"{""Question"": ""What does the term 'Stock-In-Trade' refer to according to this policy?"",""Answer"": ""'Stock-In-Trade' refers to stock-in-trade and merchandise, the Insured’s own or held in trust or on commission for which they are responsible including work in progress whilst at the Risk Situation(s) and elsewhere as specified in the schedule."",""thought"": ""The term 'Stock-In-Trade' is explicitly defined in the document. The answer to the question is directly extracted from the text without a need for any additional interpretation or external information.""},"
"{""Question"": ""What location is the Claims & Motor Underwriting department of MS First Capital Insurance Limited situated?"",""Answer"": ""The Claims & Motor Underwriting Department of MS First Capital Insurance Limited is located at 16 Raffles Quay #42-01, Hong Leong Building, Singapore 048581."",""thought"": ""The document contains specific address for the location of Claims & Motor Underwriting department of MS First Capital Insurance Limited and there's no requirement of any other additional information.""},"
"{""Question"": ""Does the insurance extend to alterations, additions, and improvements?"",""Answer"": ""Yes, the insurance extends to include alterations, additions, and improvements to properties specified in the Schedule for an amount not exceeding 10% of the Sum(s) Insured or $500,000, whichever is less."",""thought"": ""The Capital Additions Clause clearly outlines the extent to which alterations, additions, and improvements are covered. However, the insurance holder is expected to inform the company every quarter regarding such changes and pay additional premium as required.""},"
"{""Question"": ""What happens if the insured is charged or convicted under any local or foreign law?"", ""Answer"": ""The insurer may in its discretion execute one or more of the following actions: cancel any policy, liquidate any financial product or investment, withhold any payment, transfer or receipt, decline any transaction or request, or take any actions necessary to eliminate, reduce, or minimise risks."", ""thought"": ""I drew this conclusion from the paragraph discussing the actions an insurer may take if an insured entity or person violates any local or foreign law.""}, "
"{  ""Question"": ""What does the Hire Purchase Clause state?"",  ""Answer"": ""The Hire Purchase Clause states that the financial interest owners mentioned in the schedule of the policy are the owners of the insured items. The clause specifies that any monies that would otherwise be payable to the Insured under the policy for loss or damage to the insured items, and is not made good by repair or replacement, will be paid to the owners as long as they are the owners of the items. The owners' receipt of such monies will provide full and final discharge to the company about such loss or damage."",  ""thought"": ""The explanation of the clause was directly given in the document, no further information required.""},"
"{""Question"": ""What is the code of QBE Insurance (Singapore) Pte Ltd?"",""Answer"": ""The code of QBE Insurance (Singapore) Pte Ltd is FFFFF006-Q-0917."",""thought"": ""The document provides the code directly, making this the answer to the question. However, the meaning or use of this code is not explained in the document.""}"
"{""Question"": ""Which finance companies will the declared machineries be covered under?"",""Answer"": ""The declared machineries will be covered under Caterpillar Financial Services Asia PTE LTD, United Overseas Bank Limited and DBS Bank LTD."",""thought"": ""The financial companies were stated under memorandum 2 in the financial information.""},"
"{""Question"": ""What is the supplier of MK-05TM?"",""Answer"": ""The supplier of MK-05TM is HERRENKNECHT AG."",""thought"": ""This information was directly provided in the given document, no further redirection needed.""},"
"{""Question"": ""What is the policy type?"", ""Answer"": ""The policy type is Mortgage Interest - Corp."", ""thought"": ""The policy type information was clearly stated in the given document.""},  "
"{""Question"": ""What does 'Data' refer to as per the policy?"",""Answer"": ""As per the policy, 'Data' refers to information, facts, concepts, code or any other information of any kind that is recorded or transmitted in a form to be used, accessed, processed, transmitted or stored by a Computer System."",""Thought"": ""The policy definition for 'Data' was explicitly mentioned in the document.""}"
"{""Question"": ""What actions should the insured undertake upon the happening of any circumstance giving rise to a claim under this policy?"",""Answer"": ""Upon the happening of any circumstances giving rise or likely to give rise to a claim under this policy, the insured should immediately upon becoming aware of such loss or damage give immediate notice to the Police and take all practical steps to prosecute the Employee involved to conviction for any criminal act which the Employee involved shall have committed. The Insured may refrain from reporting the matter to the police subject to the insurer agreement. Moreover, a written notice shall be given to the insurer within seven days after any act of fraud or dishonesty on the part of the employee or reasonable cause for suspicion of such act or any improper conduct."",""thought"": [""The document lays out explicitly the actions required on part of the insured. There's no need for further information to answer this question.""]}"
"{""Question"": ""What is the insurance period for the policy?"",""Answer"": ""The insurance period is from 14/05/2023 to 13/05/2024."",""thought"": ""Found under the 'Period of Insurance' section. No additional information was required.""},"
"{""Question"": ""What is the address of the insurance company?"",""Answer"": ""The address of the insurance company is 1 Pickering Street, #01-01 Great Eastern Centre, Singapore 048659."",""thought"": ""The address of the insurance company is given at the bottom of the document. It is 1 Pickering Street, #01-01 Great Eastern Centre, Singapore 048659.""},"
"{""Question"": ""What are the exclusions mentioned in the policy?"",""Answer"": ""The exclusions mentioned in the policy include standing timber, growing crops and pastures, land, bridges, canals, roadways and tunnels, railway tracks, dams and reservoirs, docks, wharves and piers, mining property, property during the course of its normal processing, property in course of construction or erection or dismantling or undergoing testing or commissioning, empty premises upon which demolition work is in progress, and oil and gas drilling and/or production rigs whilst offshore."",""thought"": ""This is directly mentioned in the document in the exclusion section, no redirection to additional information is needed.""},"
"{""Question"": ""What are the costs covered under the condition 'RECOVERY COSTS - NO DAMAGE'?"",""Answer"": ""Under 'RECOVERY COSTS - NO DAMAGE', the insurer shall indemnify the insured against the reasonable and necessary costs, incurred with the insurer's prior written consent, of recovering or attempting to recover the insured contractor's plant and equipment."",""thought"": ""The condition makes it clear that recovery costs are covered under the scenario when there is no physical damage or destruction but the equipment becomes immobilised or inaccessible.""},"
"{""Question"":""What happens if the insured property is of a higher value at the time of damage or destruction than the sum insured?"",""Answer"": ""If the property insured is of a greater value than the sum insured at the breaking out of any fire or at the commencement of any destruction or damage to such property, the insured considered as being his own insurer for the difference and shall bear a ratable share of the amount of the loss accordingly. Every item, if more than one, of the Policy shall be separately subject to this condition."", ""thought"": ""The document provides comprehensive information about this particular situation. No additional information is needed. ""}"
"{""Question"": ""Who is the insurance insured by?"",""Answer"": ""The insurance is insured by QBE Insurance (Singapore) Pte Ltd."",""thought"": ""The document states that the insurance is insured by QBE Insurance (Singapore) Pte Ltd which is a member of the worldwide QBE Insurance Group.""},"
"{    ""Question"" : ""What are the steps to be taken in case of a dispute?"",    ""Answer"" : ""In case of a dispute, initially, the parties should meet and try to resolve it amicably. If the dispute is not resolved within twenty one (21) days, they agree to settle the dispute by mediation. If a mediator cannot be agreed upon within fourteen (14) days or if the agreed-upon mediator is unable to act, the parties are expected to use best practices within the jurisdiction of this policy to resolve the dispute via mediation."",    ""thought"" : ""The response is directly extracted from the 'Mediation' section in the policy data. Firstly the parties should attempt to resolve the dispute by meeting and discussing. Then, if the dispute still exists, it should be resolved through mediation. The details of what constitutes 'best practices' within the jurisdiction of policy aren't specifically given in this document.""}, "
"{""Question"": ""What is the premium for this policy?"",""Answer"": ""The premium for this policy is S$ 2,198.88."",""thought"": ""The premium is clearly mentioned in the document. There's no need for external information.""},"
"{""Question"": ""What is the policy number for the insured property?"",""Answer"": ""The policy number for the insured property is P 90415915 MAR."",""thought"": ""The policy number was taken directly from the introductory line in the financial information. This was straightforward, as it was mentioned explicitly in the document.""},"
"{""Question"": ""What are the territorial limits of the policy?"",""Answer"": ""For sections 1 to 5 the territorial limit is anywhere in the Republic of Singapore. For section 6 it covers the Republic of Singapore, West Malaysia and part of Thailand within 50 miles of the border between Thailand and West Malaysia. Section 7 covers worldwide excluding USA and Canada."",""thought"": ""This information can be found in the 'Territorial Limits' section, the details are listed for each section separately.""},"
"{""Question"": ""What is the policy number of the financial document?"",""Answer"": ""D-23023966FAIR/9"",""thought"": ""The policy number is stated clearly on the document information given. No external information or tricky translation required.""},"
"{""Question"": ""What is the responsibility of the mortgagee (chargee) in terms of premium payment and increase of hazard?"",""Answer"": ""In case the mortgagor or owner neglects to pay any premium due under this policy, the mortgagee (chargee) is responsible for paying it on demand. Also, the mortgagee (chargee) should notify the company of any non-occupancy or any change of ownership or occupancy or increase of hazard. If there is an increase of hazard, the mortgagee (chargee) should pay the premium for the increased hazard."",""thought"": ""The responsibilities of the mortgagee (chargee) regarding premium payment and increase of hazard are outlined in the document under 'Mortgagee Clause'. No additional information or redirection needed.""}"
"{""Question"": ""What is the insured risk?"",""Answer"": ""The insured risk is Industrial Special Plant (ISP)."",""thought"": ""This information can be found in the 'Risk Details' section.""},"
"{""Question"": ""What does the 'Sue and Labour Clause' indicate?"", ""Answer"": ""The 'Sue and Labour Clause' indicates that the insurance company will cover any reasonable expenses incurred by the insured in their efforts to recover, safeguard, or preserve the insured property to minimize any loss insured by the policy."", ""thought"": ""There are conditions to this clause, which state that approval must be obtained from the Company before such expenses are incurred and the company's liability will not exceed the Sum Insured for the loss.""}, "
"{""Question"": ""What is the liability limit for Fines, Penalties or Damages section in the financial document?"",""Answer"": ""The liability limit for the section on Fines, Penalties or Damages is SGD500,000."",""Thought"": ""The information was directly mentioned in section 13 of the financial document.""},"
"{  ""Question"": ""How is depreciation treated in the case of adjusting a loss?"",  ""Answer"": ""In adjusting a loss, depreciation is treated as a fixed and continuing expense of the Business as covered by the policy."",  ""thought"": ""This is clearly stated in the clause about Depreciation in the policy document. There was no need to refer to other sources.""}"
"{""Question"": ""When was the policy issued?"",""Answer"": ""The policy was issued on 21/02/2023."",""thought"": ""The issuance date is directly stated in the text 'Issued By: SGISRIN2 on 21/02/2023'. No external data or redirection needed.""},"
"{    ""Question"": ""Are works of art covered under this policy?"",    ""Answer"": ""Any work of art is not insured for an amount more than $200."",    ""Thought"": ""Based on the information given, it is stated that works of art exceeding $200 are not covered. However, it does not provide information about works of art under $200. We may need more information for a complete answer.""  },  "
"{""Question"": ""Who carries the burden of proving that a loss, damage, cost or expense is covered by the insurance?"",""Answer"": ""The Insured carries the burden of proving that a loss, damage, cost or expense is covered by the insurance."",""thought"": ""The document explicitly states that the onus is on the Insured to prove that any loss or damage is covered by this insurance policy.""},"
"{""Question"": ""What restrictions to the liability of the Company are there before expenditure has been incurred by the Insured in replacing or reinstating the property?"",""Answer"": ""Until the Insured has incurred expenditure in replacing or reinstating the destroyed or damaged property, the Company is not liable for any payment in excess of the amount which would have been payable under the Policy if this memorandum had not been incorporated."",""thought"": ""The answer to this question was directly given in the financial information document.""},"
"{""Question"": ""What is the liability limit for temporary removal of the property insured under policy number MAR/23-MA001405-R001?"",""Answer"": ""The property insured under this policy is covered up to a limit of S$5,000 while temporarily removed for cleaning, renovation, modification, repair or other similar purposes."",""thought"": ""The document provides clear information around the coverage limit for temporary removal of the property. No additional external information is required.""},"
"{""Question"": ""What does the War and Terrorism Exclusion in the policy cover?"",""Answer"": ""The War and Terrorism Exclusion in the policy excludes death, disability, loss, damage, destruction, any legal liabilities, cost or expense and consequential loss of any nature, directly or indirectly caused by war, invasion, acts of foreign enemies, hostilities or warlike operations, civil war, rebellion, revolution, insurrection, civil commotion, military or usurped power, or any act of terrorism. This includes the use or threat of force, violence and damage to life or property by any person or group committed for political, religious, ideological purposes."",""thought"": ""The document details what is covered under the War and Terrorism Exclusion in the policy. The answer was extracted directly from these details.""},"
"{""Question"": ""Where is MS First Capital Insurance Limited located?"",""Answer"": ""MS First Capital Insurance Limited is located at 6 Raffles Quay #21-00 Singapore 048580."",""thought"": ""The document specifies the location of MS First Capital Insurance Limited. But it doesn't specify if this is the central office or a regional location.""}"
"{""Question"": ""What is the policy number of ECP Beach Corp's insurance policy?"",""Answer"": ""The policy number of ECP Beach Corp's insurance policy is ZFA8001197SN."",""Thought"": ""The information provided directly states the policy number. No redirects or extra information required.""}"
"{""Question"": ""What is the company registration number of MS First Capital Insurance Limited?"",""Answer"": ""195000106C"",""thought"": ""The company registration number is often included in the header of a company's documents. In this document, the company registration number for MS First Capital Insurance Limited was found at the very beginning. This information does not require a redirection to another piece of information.""},"
"{""Question"": ""In the event of the insured property being destroyed or damaged, what is the basis upon which the amount payable under the Policy is calculated?"",""Answer"": ""The amount payable under the Policy is calculated based on the cost of replacing or reinstating on the same site property of the same kind or type but not superior to or more extensive than the insured property when new, subject to the Special Provisions and subject also to the terms and conditions of the Policy unless varied by this memorandum."",""thought"": ""The answer to this question was explicitly stated in the financial information document.""},"
"{""Question"": ""In what scenarios is the 'RECOVERY COSTS - DAMAGE' policy activated?"",""Answer"": ""The 'RECOVERY COSTS - DAMAGE' policy is activated when physical damage, loss or destruction of an insured contractors' plant and equipment occurs."",""thought"": ""This clause clearly states that it comes into effect in case of physical damage, loss or destruction.""},"
"{  ""Question"": ""What would the 'Material Damage Excess Waiver' entail?"",  ""Answer"": ""It is not a precondition for liability in respect of interruption or interference as a consequence of Damage if there is an absence of payment or liability was admitted under insurance covering the property at the premises."",  ""thought"": ""Information related to 'Material Damage Excess Waiver' section in the document, no further information needed.""}"
"{""Question"": ""What does the Designation of Property clause mean in the policy?"",""Answer"": ""The Designation of Property clause in the policy means that for the purpose of determining under which column header any property is insured, the insurance company agrees to accept the designation under which such property has been entered in the Insured's book."",""thought"": ""The Designation of Property clause is directly mentioned in the policy, which states that the company will use the classification listed in the insured's books for the purpose of identifying the insured property.""}"
"{""Question"": ""What is the 'Liberalisation' condition in the policy?"",""Answer"": ""If any rules or regulations are revised during the Period of Insurance, which broadens the coverage provided by the policy, such extended or broadened insurance benefits will be given to the insured party from the date of the change."",""thought"": ""The answer directly refers to point 14 in the policy. Additional information from outside the document is not required.""},"
"{  ""Question"": ""What is the coverage of the policy regarding the removal of debris?"",  ""Answer"": ""The policy extends to cover any expense necessarily incurred by the Insured in the removal of debris, dismantling or demolishing shoring up or propping of the portion of the property insured by this Policy destroyed or damaged by fire or other insured perils. The liability of the Company under this clause will not exceed 10% of the Sum Insured of the item involved unless otherwise stated in the Schedule, nor in all, the total policy Sum Insured specified in the Schedule."",  ""thought"": ""As per the policy, expenses incurred in the removal of debris or other related expenses following a destruction or damage to property covered by the policy will be covered. However, the extent of coverage is limited based on the insured sum of the item involved and should not exceed the overall sum insured specified in the policy. The exact percentages remain unspecified in this document.""}"
"{""Question"": ""What is the total sum insured?"",""Answer"": ""The total sum insured is SGD4,111,331.00."",""thought"": ""The total sum insured is clearly mentioned at the end of the document.""},"
"{""Question"": ""Under what circumstances will this policy indemnify the insured?"",""Answer"": ""This policy will indemnify the insured upon damage caused by or happening through: faulty design, defects in casting and material, faulty operation, lack of skill, bad workmanship, negligence, faults and malicious acts on the part of employees, workers or technicians, tearing apart on account of centrifugal force, overloading, over voltage, electric line contact, arcing, leaking of electricity, short circuit, atmospheric, inductive and other electric phenomena, and any mechanical, electrical, electromechanical, electronic or hydraulic malfunction, failure, derangement, breakdown or non-operation of any kind."",""Thought"": ""The financial information provided outlines specific circumstances under which the insured party will be indemnified. These include a range of faults, damages, and breakdowns. It is important to note that any damages that do not fall within these circumstances are not covered by this insurance policy.""},"
"{""Question"": ""What conditions need to be met for the company to make a payment under this policy?"",""Answer"": ""The due observance and fulfillment of the terms provisions and conditions of this Policy by the insured and the truth of the statements and answers in the proposal made by the Insured shall be conditions precedent to any liability of the Company to make any payment under this Policy."",""Thought"": ""This information is mentioned directly under point number 10 'Due Observance'. There's no need for any external information not given in the document.""}"
"{""Question"": ""What is the policy subject to get 5% No Claim Bonus?"",""Answer"": ""The policy is subject to a 5% No Claim Bonus on premium net of Long Term Agreement Discount and net of brokerage payable on each policy anniversary, subject to no claims being made and the policy being renewed with MS First Capital Insurance Limited (Lead) / Great Eastern General Insurance Limited."",""Thought"": ""Details on conditions to avail the No Claim Bonus are detailed in the document.""},"
"{""Question"": ""What is the maximum amount recoverable under the extension of the policy during a period of insurance?"",""Answer"": ""The total aggregate amount recoverable under this extension during any one period of insurance does not exceed $2,500."",""thought"": ""The financial document clearly lays out the aggregate liability under the policy extension which is $2,500 for any one period of insurance.""},"
"{""Question"": ""If electronic data processing media insured by the policy suffers physical loss or damage, how is the valuation done?"",""Answer"": ""Should electronic data processing media insured by this policy suffer physical loss or damage, the basis of valuation shall be the cost of the blank media plus the costs of copying the electronic data from backup or from originals of a previous generation. However, if the media is not repaired, replaced or restored, the basis of valuation shall be the cost of the blank media. But the policy does not insure any amount pertaining to the value of such electronic data to the Assured or any other party."",""thought"": ""The basis of valuation is clearly explained in the document. The document specifies that the value of the electronic data to the Assured or any other party is not insured.""}"
"{""Question"": ""What type of policy is the company holding?"",""Answer"": ""GLOBAL PROPERTY EXCESS OF LOSS INSURANCE POLICY"",""Thought"": ""The type of policy is stated in the document. There's no need to search elsewhere for this information.""},"
"{""Question"": ""What does the 'Cyber Act' particular in this policy signify?"",""Answer"": ""In this policy, 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"": ""A clear definition of a 'Cyber Act' is given in the document. I did not require additional information to provide an appropriate response.""}"
"{  ""Question"": ""Is loss or damage caused by the failure of any electronic device, computer software etc., to recognize any date as its true date covered under this policy?"",  ""Answer"": ""No, the policy does not cover any loss or damage 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 as per the 'Electronic Date Exclusion' section."",  ""thought"": ""This question addresses a specific exclusion under the policy, particularly related to electronic date recognition failures. The answer is directly available in the 'Electronic Date Exclusion' clause of the provided document.""}"
"{  ""Question"": ""Does the policy extend to cover loss of Insured Property by theft during or after a fire occurrence?"",  ""Answer"": ""Yes, the insurance does extend to include Physical Loss of Insured Property by theft during or after a fire at the Location, up to the time the damaged insured Building is restored to a state which enables reasonable occupation."",  ""thought"": ""The information to answer this is clearly provided in the document paragraph 42.""},"
"{""Question"": ""In case of a partial damage to any insured property, what is the maximum liability of the insurers?"",""Answer"": ""The liability of insurers will not exceed the sum that represents the cost they would have had to pay for reinstatement or repair if the property had been fully damaged."",""Thought"": ""The information is pulled from provision four. It determines the parameter of the insurers' financial responsibility in cases of partial damages to the insured property.""},"
"{""Question"": ""What is the name of the insured?"",""Answer"": ""The insured's name is Sing Sing Pte. Ltd."",""thought"": ""The information is clearly stated in the document, no further information needed.""},"
"{""Question"": ""What is the policy's stance on loss related to the usage of any nuclear installation, reactor, or weapon?"", ""Answer"": ""The policy specifically excludes loss or damage stemming from the contaminating properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof. It also includes any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter."",""thought"": ""The policy's position on nuclear-related loss is stated in the exclusion clauses of the document and thus does not reference or require further information""},"
"{""Question"": ""What is the maximum amount covered under the Full Theft Clause?"",""Answer"": ""The maximum amount covered under the Full Theft Clause is S$1,000,000/-."",""Thought"": ""The policy document states the limit for the Full Theft Clause to be S$1,000,000/-.""},"
"{""Question"": ""What is the insured amount for Stock-in-Trade?"",""Answer"": ""SGD110,000"",""Thought"": ""This figure is explicitly mentioned under the item property insured as Stock-in-Trade.""},"
"{""Question"": ""What is the total sum insured of the policy?"",""Answer"": ""The total sum insured of the policy is SGD 1,324,917.66."",""thought"": ""The total sum insured is stated as 'TOTAL SUM INSURED'. No other part of the document is needed to answer this question.""},"
"{""Question"": ""What does the policy say about deductibles?"", ""Answer"": ""This policy does not cover the amounts of the deductibles stated in the Schedule in respect of each and every loss as ascertained after the application of all other terms and conditions of the policy."", ""thought"": ""The document mentioned that the policy does not cover the amounts of the deductibles stated.""}"
"{""Question"": ""What does 'Accumulated Stocks' clause refer to?"",  ""Answer"": ""In adjusting any loss, account shall be taken and equitable allowance made if any shortage in turnover due to the damage is postponed by reason of the turnover being temporarily maintained from accumulated stocks, resulting in a shortage of finished goods during the indemnity period and/or after the indemnity period has expired."",  ""thought"": ""The 'Accumulated Stocks' clause refers to a situation where loss assessment and adjustment also includes considerations if turnover is temporarily maintained from accumulated stocks resulting in a shortage of finished goods. The details about how these considerations are made are not provided in the document.""}"
"{""Question"": ""What is the name of the insurance company?"",""Answer"": ""The name of the insurance company is MSIG Insurance (Singapore) Pte. Ltd."",""thought"": ""The document states the name of the insurance company right after the CEO signature, and given its relevance in the context, it's reasonable to conclude that this is the name of the insurance company.""},"
"{""Question"": ""What will the company not be liable for under the Vehicle Load Clause?"",""Answer"": ""The Company will not be liable for loss or damage which at the time of the happening of such loss or damage is insured by or would have been covered by any other existing policy or policies, except for any excess beyond the amount which would have been payable under such policy or policies had this Policy not been effected."",""Thought"": ""The document did not specify which other existing policies it is referring to. Additional information on these policies may be necessary to fully understand the context and implications.""},"
"{  ""Question"": ""Who bears the cost of repairing or replacing the broken glass according to the policy?"",  ""Answer"": ""The Company"",  ""thought"": ""The clear information was mentioned in the Plate Glass section of the document, indicating that the company is responsible for these costs.""},"
"{    ""Question"": ""Does this insurance cover erupted losses due to volcanoes?"",    ""Answer"": ""No, the policy does not cover losses due to earthquake, volcanic eruption or other convulsion of nature."",    ""Thought"": ""The answer is based on the given information, no extra information is required.""  },  "
"{   ""Question"": ""What does the Auditors Charges section mention about the coverage of the insurance?"",   ""Answer"": ""The Auditors Charges section states that the insurance coverage is limited to the reasonable charges payable by the Insured to their auditors for producing and certifying any particulars or details contained in the Insured's books of account or other business books or documents or such other proofs information or evidence as may be required by the Company under the terms of Condition 8 of this Policy."",  ""Thought"": ""The information provided is sufficient to answer the question. All the details are explicitly stated in the Auditors Charges section of the document provided.""},"
"{  ""Question"": ""When was this policy issued?"",  ""Answer"": ""13/10/2022"",  ""thought"": ""The issue date is included in the original document and can straightforwardly be used to answer this question.""},"
"{""Question"": ""Does the policy cover loss of data or software?"",""Answer"": ""The policy does not include coverage for damage to data or software, especially any detrimental change in data, software or computer programs that is caused by a deletion, a corruption or a deformation of the original structure. Exceptionally, loss of or damage to data or software which is the direct consequence of insured physical damage to the substance of property shall be covered."",""thought"": ""This information was derived from the 'Clarification Agreement' section of the document.""},"
"{""Question"": ""what is the maximum limit of indemnity for the 'RECOVERY COSTS - NO DAMAGE' clause?"",""Answer"": ""The indemnity under 'RECOVERY COSTS - NO DAMAGE' shall not exceed SGD100,000 each & every loss and in the annual aggregate."",""thought"": ""The limit for the reassurance or compensation for damage or loss mentioned in the clause 'RECOVERY COSTS - NO DAMAGE' is specified as SGD 100,000.""},"
"{""Question"": ""What is the policy number of MS First Capital Insurance Limited?"",""Answer"": ""The policy number of MS First Capital Insurance Limited is D-23023966FA1R/9."",""Thought"": ""The policy number for the document is directly specified in the text.""},"
"{""Question"": ""How does the Output Replacement Clause determine the property's value?"",""Answer"": ""The Output Replacement Clause values the property in two ways: a) If destroyed or damaged property is to be replaced by an item or items which have the same or a lesser total output, then the insurable value is the new installed cost of such replacement. b) If property destroyed or damaged is to be replaced by an item or items which have a greater total output and the replacement value is no greater than the insured value of the property damaged or destroyed then no deduction shall be made from any claim for the improved output. The settlement of any loss or damage will be based on these values."",""thought"": ""The valuation for the property under the Output Replacement clause is clearly explained in the document. No additional information is needed.""}"
"{""Question"": ""Which company is insuring the policyholder?"",""Answer"": ""The policyholder is insured by Great Eastern General Insurance Limited."",""Thought"": ""The name of the insurance company is mentioned at the bottom of the document.""},"
"{""Question"": ""What does the term 'Cyber Incident' entail?"",""Answer"": ""A 'Cyber Incident' refers to any error or omission, or series of related errors or omissions that involve access to, processing of, use of, or operation of any computer system. It may also refer to any partial or total unavailability or failure, or series of related partial or total unavailability or failures to access, process, use or operate any computer system."",""thought"": ""The provided document elaborates on what constitutes a 'Cyber Incident', so I don't require further external information to answer this.""},"
"{""Question"": ""What is the maximum deductible amount applicable in the case of two or more 'occurrences'?"",""Answer"": ""The maximum deductible amount in the case of two or more 'occurrences' is the largest Deductible applicable."",""thought"": ""Answer derived from the general deductible provisions statement which says: 'If two or more Deductible amounts in this Policy apply to an 'occurrence' the Deductibles shall be applied separately but the cumulative deductions so calculated shall not exceed the largest Deductible applicable.'""},"
"{""Question"": ""How many days of business interruption are covered for denial of access and for all others including failure of public utilities?"",""Answer"": ""Denial of access is covered for 5 days and all others including failure of public utilities is covered for 2 days."",""thought"": ""The document provided states these periods directly under the 'Business Interruption' section.""}"
"{""Question"": ""What is the nature of the business insured under this policy?"",""Answer"": ""The business insured under this policy is run at 303 Cafe Street Singapore 058058, with a restaurant on Level 1 and apartments/suites/various on Level 2 & 3."",""thought"": ""The location insured and business/occupancy sections of the document provide information about the nature of the business insured under this policy.""},"
"{  ""Question"": ""What is considered as CONSEQUENTIAL LOSS arising directly or indirectly in the given document?"",  ""Answer"": ""In the provided document, CONSEQUENTIAL LOSS arises directly or indirectly from subsidence ground heave or landslip if they result from fire, explosion, earthquake, or the escape of water from any tank, apparatus, or pipe, normal settlement or bedding down of new structures, disappearance, unexplained or inventory shortage, misfiling or misplacing of information, and erasure, loss distortion or corruption of information on computer systems or other records."",  ""Thought"": ""The document clearly provides the different situations that can lead to CONSEQUENTIAL LOSS directly or indirectly. However, it doesn't detail the steps to be taken in case such a loss happens. A query into the specific actions to take in the event of each mentioned loss is needed for a more comprehensive understanding.""},"
"{""Question"": ""What is the effective date of the MORTGAGEE INTEREST INSURANCE POLICY?"",""Answer"": ""The effective date of the MORTGAGEE INTEREST INSURANCE POLICY is 18th April 2023."",""thought"": ""This answer extracted from the statement 'Date of Issue: 18th April 2023'. There was no ambiguity in understanding the date of the policy issue.""},"
"{""Question"": ""What is the company's website?"",""Answer"": ""The company's website is www.msfirstcapital.com.sg."",""Thought"": ""The company's website is typically included in the header or footer of the document. Here, it is located after the company's contact numbers early in the document.""}"
"{""Question"": ""What happens if there's any misdescription of the property or any misrepresentation as to any fact material in the insurance policy?"",""Answer"": ""If there is any material misdescription of the insured property or any misrepresentation as to any fact material to be known for estimating the risks, or any omission to state such fact, the Company will not be liable upon this Policy so far as it relates to property affected by any such misdescription, misrepresentation or omission."",""thought"": ""If there's a discrepancy between the actual property and its description in the policy, or if any relevant details have been omitted or misrepresented, the insurance company won't be accountable for those areas. For further details, one may need to refer to the fine print of the policy, which isn't provided here.""},"
"{""Question"": ""What is the period of insurance coverage?"",""Answer"": ""The period of insurance coverage is from 15 Jan 2023 to 14 Jan 2024."",""Thought"": ""The document mentions the period of insurance cover. All relevant information was present in the document.""},"
"{""Question"": ""What is the policy number of the document?"",""Answer"": ""2023-F0235604-FRC-R003"",""thought"": ""The policy number is clearly mentioned as 'Policy No.' in the document, so no further information is needed to answer this question.""}"
"{""Question"": ""What does exclusion 6(b) refer to in the policy?"",""Answer"": ""Exclusion 6(b) refers to the cessation of work whether total or partial and the cessation, interruption or retarding of any process or operation as a result of strikes, labour disturbances or locked out workers. However, this exclusion does not apply in respect to damage directly caused by strikers, locked out workers or similar persons."",""thought"": ""The document clearly lists out what instances are included in Exclusion 6(b). The answer to this question was derived directly from the policy's exclusion list.""},"
"{""Question"": ""What is the coverage amount for money in transit under this policy?"",""Answer"": ""The coverage amount for money in transit under this policy is SGD1,000,000."",""Thought"": ""The cover amount for money in transit was clearly specified in the document, so no additional information was necessary.""},"
"{""Question"": ""Who are the additional insured entities?"", ""Answer"": ""LEGO Club of Singapore, DBS Bank Limited and Singapore Tourism Board."", ""Thought"": ""The additional insured entities are mentioned in the 'additional insured' section of the document. They include LEGO Club of Singapore, DBS Bank Limited, and the Singapore Tourism Board.""},"
"{""Question"": ""According to the Mortgagee/Chargee Clause in this financial plan, who is liable to pay the premiums?"",""Answer"": ""The Mortgagor (Chargor) is the sole party liable to pay the premiums in respect of this Policy."",""thought"": ""The information given in the document specifically designates the responsibility of paying the insurance premiums to the Mortgagor (Chargor). There is no indication that any other party would be responsible for this particular expense.""},"
"{""Question"": ""Who is the insured?"",""Answer"": ""United Airlines Pte Ltd"",""thought"": ""The insured is mentioned under the 'Insured' section of the document.""},"
"{  ""Question"": ""What does the term 'Cyber Loss' mean as per the policy?"",  ""Answer"": ""Cyber Loss refers to any loss, damage, liability, claim, cost or expense of whatsoever nature directly or indirectly caused by, contributed to by, resulting from, arising out of or in connection with any Cyber Act or Cyber Incident including, but not limited to, any action taken in controlling, preventing, suppressing or remediating any Cyber Act or Cyber Incident."",  ""Thought"": ""The definition of 'Cyber Loss' is directly mentioned in the document provided. I didn't need to refer to any information outside of it.""}"
"{""Question"": ""What does the policy term 'Computer Virus' refer to?"",""Answer"": ""The term 'Computer Virus' in the policy refers to a set of corrupting, harmful and otherwise unauthorized instructions or code, including a set of maliciously introduced unauthorized instructions or code programmatic or otherwise, that propagate themselves through a computer system or network. This includes 'trojan horses', 'worms', and 'time or logic bombs'."",""thought"": ""The definition of 'Computer Virus' is prestated in the document. This involves terms like 'trojen horses', 'worms' and 'time or logic bombs', which can be malicious to the computer system or network.""},"
"{""Question"": ""Does the policy provide cover for Strike, Riot and Civil Commotion?"",""Answer"": ""Yes, the policy is extended to cover Strike, Riot and Civil Commotion."",""thought"": ""The information to answer the question is directly available in the document under the Strike, Riot, and Civil Commotion section. There is no need to reference external information.""}"
"{""Question"": ""What is the policy number and the policy type for Gem Property North PTE Ltd?"",""Answer"": ""The policy number is 2021-F0225660-MIC-R003 and the policy type is Mortgage Interest - Corp."",""thought"": ""All the information needed to answer this question was located in this line: 'Policy No.: 2021-F0225660-MIC-R003, Policy Type : Mortgage Interest - Corp'. I didn't require any additional information to answer this question.""},"
"{""Question"": ""Who is the insured party?"",""Answer"": ""AS STATED IN THE POLICY SCHEDULE"", ""thought"": ""The document mentions 'AS STATED IN THE POLICY SCHEDULE' as the insured party. This information may be found in another part of the document policy schedule, which is not provided here.""},"
"{""Question"": ""Which company issued the primary and underlying excess insurance?"",""Answer"": ""Zurich Insurance Company Ltd (Singapore Branch) issued the primary and underlying excess insurance."",""thought"": ""The answer is directly stated in the document provided. No additional external information required.""}"
"{""Question"": ""What does the term 'Computer System' refer to?"",""Answer"": ""Computer System means 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 information sought in the question is clearly outlined in the definitions section of the document. No external information is required.""},"
"{""Question"": ""When was the policy issued?"",""Answer"": ""The policy was issued on 01st February 2023."",""Thought"": ""The issue date of the policy is clearly mentioned in the document, so no additional information or assumptions were needed here.""},"
"{""Question"": ""What are the specific deductibles under this insurance policy?"",""Answer"": ""The deductibles are USD 100,000 for property damage, USD 250,000 for natural catastrophes like earthquakes, floods, typhoons, windstorms, water damage, and Action of Sea, USD 10,000 for money, USD 100,000 for the course of construction. For casino operations, it's 3 days of indemnifiable loss or USD 5,000,000, whichever is lesser."",""thought"": ""All details necessary to answer this question can be found directly in the provided document. There is no need for additional data from outside sources.""},"
"{""Question"": ""How is 'Hacking' defined according to this policy?"",""Answer"": ""Hacking, in the context of this policy, is defined as unauthorized access to any computer or other equipment or component or system or item which processes, stores, transmits, or retrieves data."",""thought"": ""Hacking, as per the provided document, refers to the unauthorized access to any computing or data storage systems.""},"
"{""Question"": ""What happens in the event of a breach of conditions or warranties?"",""Answer"": ""If there is a breach of any condition or warranty of the Policy without the knowledge of the Insured, it does not affect the insurance. However, once the Insured knows of such breach, they must immediately give written notice of the breach to Income and take necessary action to rectify it. The maximum liability of Income for any otherwise insured loss shall be the sum insured as stated in the Policy at the time the loss occurred."",""Thought"": ""This information is provided in section 7 of the document. The statement provides a clear instruction on what is expected from the insured once they discover a breach of the policy conditions or warranties.""},"
"{""Question"": ""Who are the insured entities under risk number 1?"",""Answer"": ""The insured entities under risk number 1 are Small Tunnel Pte Ltd, Mega Pte Ltd as hirer and UOB Ltd as owner for their respective rights and interests."",""thought"": ""The document clearly provides the details of the insured entities applicable for risk number 1.""},"
"{""Question"": ""What is insured under this policy?"",""Answer"": ""The policy indemnifies the insured in respect of direct physical loss or damage to the property described in Item 6 of the Schedule. This damage needs to be caused by any of such perils as set forth in Item 5 of the Schedule and which are also covered by the policies specified in the Schedule at Item 12."",""thought"": ""The answer is direct from the text given in financial information.""}, "
"{""Question"": ""Who is the underwriting manager for the insurance policy?"",""Answer"": ""Underwriting Agencies of Singapore Pte Ltd is the underwriting manager for the insurance policy."",""thought"": ""The document mentions the Underwriting Agencies of Singapore Pte Ltd as the manager of the insurance policy. There seems to be no contradiction or cause for confusion in the given text.""},"
"{""Question"": ""What happens if the Insured or any person on his behalf does not comply with Company's requirements or hinders the Company?"",""Answer"": ""If the Insured or any person on his behalf does not comply with the requirements of the Company or hinders or obstructs the Company in the exercise of its powers, all benefits under this Policy will be forfeited."",""thought"": ""If the policy holder or anyone acting on their behalf fails to comply with the policy's terms or obstructs the company in any way, the document clearly states that the policy holder loses all benefits under the policy. There's no need for additional information as this is stated explicitly in the document.""},"
"{""Question"": ""What are the specific conditions where the insurance does not cover under Endorsement?"",""Answer"": ""Under Endorsement, the insurance does not cover loss of earnings, delay, market loss or other indirect losses. It also doesn't cover damage resulting from stoppage or slowing of work, or disruption of any process or operation. It doesn't cover loss occasioned by lawful permanent or temporary dispossession like confiscation, commandeering, requisition or unlawful occupation of any building. It excludes damages caused by nuclear weapons material too. However, in cases of confiscation or unlawful occupation, the insurance does cover any physical damage occurring before dispossession or temporary dispossession."",""Thought"": ""The document provides clear information about the conditions under which the insurance wouldn't provide any coverage for Riot and Strike damages under this Endorsement. It seems comprehensive regarding what is not covered with no additional explanations needed.""},"
"{  ""Question"": ""What is the limit for the Public Utilities Clause?"",  ""Answer"": ""The limit for the Public Utilities Clause is S$1,000,000 for any one occurrence and in the annual aggregate."",  ""Thought"": ""The limit of the Public Utilities Clause is mentioned in the document and it specifies the maximum monetary coverage under this clause.""}"
"{""Question"": ""What type of business is covered under this policy?"",""Answer"": ""The policy covers a business that manufactures and prints plastic bags."",""thought"": ""The business type was listed under 'Business'. No further information was necessary for this question.""},"
"{""Question"": ""What are the exceptions to the Machinery All Risks Insurance Policy?"",""Answer"": ""The exceptions include mechanical or electrical failure or overheating of the machinery, loss or damage due to testing involving abnormal conditions or overloading, faults or defects known to the insured at the time the contract was arranged, any process of heat treatment, welding, etc., loss or damage for which a supplier, contractor or repairer is legally responsible, theft or conversion by the hirer, or loss of or damage to foundations and masonry unless specifically included and described in the Schedule."",""thought"": ""The document has provided a detailed list of exceptions to the policy which I have paraphrased in the answer.""},"
"{""Question"": ""What is the cost of the building at Situation 3?"",""Answer"": ""The cost of the building at Situation 3 is SGD3,480,000."",""thought"": ""This value was found directly in the 'Material Damage' section under 'Building' for Situation 3.""},"
"{""Question"": ""What is expected of the insured after the expiration of the policy according to the Leeway Clause?"",""Answer"": ""The insured is expected to furnish the insurance company, no later than 120 days after expiration of the Policy, the actual Gross Profit earned and/or wages paid during the Policy term or during the accounting period of twelve months most nearly concurrent with any period of insurance, as certified by the Insured's auditors."",""thought"": ""The information directly given in the Leeway Clause, this requires the insured to provide information on their Gross Profit for the accounting period after the policy period.""},"
"{""Question"": ""Does the insurance extend to cover stock of up to $250,000 in value anywhere in Singapore at any location (of similar construction)?"",""Answer"": ""Yes, the insurance extends to cover stock of up to $250,000 in value anywhere in Singapore at any location (of similar construction) occupied by the Insured not specified in the Policy."",""thought"": ""The answer was directly extracted from the provided financial information and required no additional data.""},"
"{""Question"": ""What does the policy cover under the section 'Money'?"",""Answer"": ""The policy extends to indemnify the Insured against loss of Money by any cause in the stated premises within Singapore up to SGD1,000,000 any one loss, loss of Money in transit anywhere in Singapore up to SGD1,000,000 any one loss, the cost of repair or replacement of the safe, strongroom, cash register, container/drawer directly associated with any theft or attempted theft with a limit of SGD50,000 any one loss, and loss of Money kept overnight in the private residence of persons authorized by the Insured up to a limit of SGD50,000."",""thought"": ""The various inclusions under the 'Money' section of the policy are clearly outlined in the document. However, the answers does not include details on the conditions under which these inclusions apply, as that information would need to be clarified.""},"
"{  ""Question"": ""What was the date of issue for this policy?"",  ""Answer"": ""The policy was issued on 25/08/2022."",  ""Thought"": ""The issue date of the policy is clearly given in the document, so no additional information is needed.""}"
"{""Question"": ""Who is the insured under this policy?"",""Answer"": ""The insured under this policy is 'The Trading Company Limited' and 'Developments Private Limited as Mortgagor &/or DBS Bank Ltd as Mortgagee &/or Loss Payee for their respective rights & interests'."",""thought"": ""The insured details were available in the document under 'Name and Address of Insured' and 'Name of Insured' section, no external reference needed.""},"
"{""Question"": ""What is the stipulation if there is a dispute about the amount to be paid under this Policy?"",""Answer"": ""If there is a dispute about the amount to be paid under this Policy, the dispute shall be determined by arbitration in accordance with the statutory provisions on arbitration. It is a condition precedent to any right of action or suit that an arbitration award shall be first obtained."",""Thought"": ""This information is directly given in clause number 11 titled 'Arbitration'. To answer this question, no external information is needed.""},"
"{""Question"": ""What is the company's liability in the event of a nuclear accident?"",""Answer"": ""The company will not be liable for losses directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by radioactivity from any nuclear fuel or waste, or from the combustion of nuclear fuel, as well as the radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor, or other nuclear assembly or nuclear component."",""thought"": ""The document explicitly states the company's exemption from liability in the event of a nuclear accident.""},"
"{""Question"": ""What perils exclusions are deemed inoperative under this policy?"",""Answer"": ""Perils Exclusions 3(a), 3(c), 3(e) and 5(b) of this Policy are deemed inoperative."",""thought"": ""The statement about the inoperative Perils Exclusions is clearly mentioned in the document. Therefore, I didn't need to look for any additional information to answer this question.""}"
"{    ""Question"": ""What kind of perils are insured?"",    ""Answer"": ""The perils insured are all as more fully described in and covered by the Primary and Underlying Excess Insurance Policy Wording"",    ""thought"": ""The answer is directly mentioned in point number 5 but it refers to an external document (Primary and Underlying Excess Insurance Policy Wording) which is not included in the given document.""},"
"{""Question"": ""What will be covered in case of destruction of insured machinery?"",""Answer"": ""In case an insured item is destroyed, the policy will cover the actual value of the item immediately before the occurrence of the loss including charges for ordinary freight, cost of erection, and customs duties, if any, provided such expenses have been included in the sum insured. The actual value will be calculated by deducting proper depreciation from the replacement value of the item. The policy will also pay for normal charges for the dismounting of the machinery destroyed but the salvage value shall be taken into account. However, any extra charges incurred for overtime, night work, work on public holidays, and express freight shall only be covered if specifically agreed in writing."",""Thought"": ""This detailed response covers all facets of the policy regarding the destruction scenario. However, specifics about the replacement values, proper depreciation, over time, and night work charges may require additional documentation or calculation.""}"
"{""Question"": ""What is the company's contact number?"",""Answer"": ""The company's contact number is (65) 6222 2311, and for the Claims & Motor Underwriting Dept, the number is (65) 6507 3848."",""Thought"": ""The telephone numbers are typically listed in the header or footer of the document. Here, two contact numbers are visible, one for the main office and the other for the Claims & Motor Underwriting Dept.""},"
"{""Question"": ""How to make a claim at QBE Insurance?"",""Answer"": ""Insurance claims can be made by visiting claims.qbe.com/sg or scanning the provided QR code to lodge your claim on any device, anytime, anywhere."",""Thought"": ""In order to find out how to make a claim, I checked for this specific information in the document under 'NEED TO MAKE A CLAIM?'.""}"
"{""Question"": ""What is the policy number for this document?"",""Answer"": ""D-23023966FAIR/9"",""Thought"": ""The policy number was given at the start of the document, right before the policy details started.""}"
"{""Question"": ""What page of the document does this information come from?"",""Answer"": ""This information comes from page 4 of the document."",""thought"": ""The page number is mentioned at the end of the text. It says 'Page 4 of 4' indicating that this information is from page 4.""}"
"{""Question"": ""Who has the financial interest in the properties mentioned?"",""Answer"": ""The financial interest of all the properties is held by DBS Bank Ltd as Mortgagee."",""thought"": ""The information was clearly stated in the financial document with DBS Bank Ltd named as the Mortgagee for all the properties.""},"
"{    ""Question"": ""What is the Salvage Sale Clause?"",     ""Answer"": ""The Salvage Sale Clause is a provision that pertains to a situation in which the insured holds a salvage sale during the indemnity period following damage resulting in a claim under the policy. In such cases, the calculation for the reduction in turnover involves applying the rate of gross profit to the amount by which the turnover during the indemnity period falls short of the standard turnover, subtracting the turnover for the period of the salvage sale. The gross profit actually earned during the period of the salvage sale is then deducted from this sum."",     ""thought"": ""The document provides details about the Salvage Sale Clause, which is tailored to incidences where a salvage sale is necessary. I didn't find information clarifying further provisions or exceptions to this clause.""},"
"{""Question"": ""What is the company's policy on asbestos under Total Asbestos Exclusion?"",""Answer"": ""The policy does not apply to and does not cover any actual or alleged liability whatsoever for any claim or claims in respect of loss or losses directly or indirectly arising out of, resulting from or in consequence of asbestos in whatever form or quantity. Asbestos means asbestos in any form, including its presence or use in any alloy, by-product, compound or other material or waste."",""thought"": ""The question directly refers to the content provided in the financial document, under the section titled 'Total Asbestos Exclusion'. Therefore, no additional information outside of the document was required to answer the question.""}"
"{""Question"": ""What is Cyber Loss?"",  ""Answer"": ""Cyber Loss refers to 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, inability to access, process, transmit, store or use any Data, any threat of or any hoax relating to these factors, and any error or omission or accident in respect of any Computer System, Computer Network or Data."",  ""Thought"": ""There is enough information about Cyber Loss in the document that explains what it is. It did not require any external information.""},"
"{""Question"": ""What is the policy number mentioned in the document?"",""Answer"": ""The policy number is 2022-F0250513-IAR-R001."",""thought"": ""The policy number is directly mentioned in the document, no additional information required or inferred.""},"
"{""Question"": ""What is the date of issue of the Industrial All Risks policy?"",""Answer"": ""The date of issue of the Industrial All Risks policy is 25/08/2022."",""Thought"": ""The given document clearly states the date of issue of the policy, which is the 25th of August, 2022.""},"
"{""Question"": ""Who is the policy holder of Policy Number B 300781788?"",""Answer"": ""The document does not provide specific information on who holds Policy Number B 300781788."",""thought"": ""Looking at the information provided, we do not have specific details on who the policy holder is, even though we have the policy number. We can only make assumptions from other clauses such as the Mortgagee/Chargee Clause and Non-Cancellation Clause which reference a 'Mortgagor (Chargor)' and 'DBS Bank Ltd.', which does not directly state they are the policy holder."" },"
"{""Question"": ""What type of policy was issued ?"",""Answer"": ""An 'INDUSTRIAL ALL RISKS' policy was issued."",""thought"": ""The type of policy is stated directly on the document.""}"
"{""Question"": ""What is Data according to this policy?"",""Answer"": ""According to this policy, 'Data' refers to information, facts, concepts, code or any other information of any kind that is recorded or transmitted in a form to be used, accessed, processed, transmitted or stored by a Computer System."",""thought"": ""The necessary information to provide an accurate description of 'Data' according to the policy was clearly outlined in the provided document. Therefore, no extra information was needed.""}"
"{""Question"": ""Who is the insurance policy with?"",""Answer"": ""Great Eastern General Insurance Limited"",""thought"": ""The document mentions that the insurance policy is with 'Great Eastern General Insurance Limited'. There's no need to look for additional information.""}"
"{""Question"": ""What is the contact number of the company?"",""Answer"": ""The contact number of the company is +65 6909 3255."",""thought"": ""The telephone number +65 6909 3255 is provided in the document. However, there are several numbers listed, without any specific entity linked to each one, which may cause confusion.""}"
"{""Question"": ""What does 'Collapse' mean according to the policy?"",""Answer"": ""'Collapse' according to the policy refers to the dangerous distortion of any part of the permanent structure of the Plant by bending or crushing caused by force of steam or fluid pressure whether attended by rupture or not. Except in the case of a steam test, at a pressure not exceeding the maximum pressure permitted by the inspecting authority, the term ‘Collapse’ shall not mean failure under any test."",""thought"": ""Again, this definition is based directly on the specific language of the policy. The term 'Collapse' has been specifically defined in the policy for the purposes of interpretation and policy applicability.""},"
"{""Question"": ""What is the name of the insurance company?"", ""Answer"": ""MS First Capital Insurance Limited"", ""thought"": ""The insurance company name is clearly mentioned in the financial information provided.""}"
"{""Question"": ""What is the policy number mentioned in the financial information?"",""Answer"": ""The policy number mentioned in the financial information is 5135735442."",""thought"": ""The policy number is clearly stated at the beginning of the document, therefore it does not require any other external document to understand.""},"
"{    ""Question"": ""Who signed on behalf of HL Assurance Pte Ltd?"",    ""Answer"": ""Unknown"",    ""thought"": ""This information is not provided in the given document. It could potentially be located in a previous or subsequent page or document. The document may redirect to another page or section in order to find out who signed on behalf.""}"
"{""Question"": ""What is the cost of the insurance premium?"",""Answer"": ""SGD31,218.31"",""Thought"": ""The premium cost is stated explicitly in the document.""},"
"{""Question"": ""Who is liable to pay the premiums or other moneys payable?"", ""Answer"": ""The mortgagor is the sole party liable to pay the premiums or any other moneys payable."", ""thought"": ""The given document clearly states the mortgagor's liability in terms of payment.""},  "
"{""Question"": ""What is the date of issue for the policy?"",""Answer"": ""29/12/2022"",""thought"": ""The date of issue is specifically listed as 'Date of Issue' in the document, so further information is not necessary to produce this answer.""}"
"{""Question"": ""What is the policy number?"",  ""Answer"": ""D-23023966FA1R/9"",  ""thought"": ""The policy number found in the document is D-23023966FA1R/9""}"
"{""Question"": ""Who governs the policy and where will any arising disputes be subject to?"",""Answer"": ""The policy will be governed by the Singapore law and practice. Any disputes arising from this policy will be exclusively subject to the Republic of Singapore’s jurisdiction."",""thought"": ""The answer can be found directly in section 3 of the provided document. It does not need to refer to any information outside the given document.""}"
"{""Question"": ""What is the policy number provided in the document?"",""Answer"": ""The policy number provided in the document is D-23023966FAIR/9."",""thought"": ""The policy number is a unique identifier for the insurance contract held by MS First Capital Insurance Limited. This can be used to crossreference or verify this specific insurance agreement.""},"
"{""Question"": ""What does this insurance policy cover in case of damage?"",""Answer"": ""The insurance policy covers 10% of loss minimum S$50,000 for underground damages, S$10,000 for all other damages each and other loss, and S$25,000 for recovery costs with no damage for each and every loss."",""Thought"": ""The damages covered by the insurance are stated in the document under the 'Excess'.""}"
"{""Question"": ""What does the Outbuildings Clause cover?"",""Answer"": ""The Outbuildings Clause covers walls, gates, fences, small outside buildings, extensions, annexes, exterior staircase, fuel installations, steel or iron framework and tanks in the premises. The insurance extends to include the contents of each outbuilding."",""thought"": ""This question and answer pair perfectly align with the provided details about the Outbuildings clause. No additional information is needed.""},"
"{""Question"": ""What are the exclusions in this policy?"",""Answer"": ""The policy has exclusions for communicable disease (LMA 5393) and cyber loss (first party)."",""Thought"": ""The document lists two specific exclusions in this policy. I centered my response on these points.""}, "
"{""Question"": ""What is the total liability of the Insurers under the GLOBAL PROPERTY EXCESS OF LOSS INSURANCE POLICY?"",""Answer"": ""The total liability of the Insurers shall not exceed the appropriate Limit or Sub Limit(s) of Liability as stated in the Schedule or such amount(s) as may be substituted therefor by endorsement or memorandum hereon or attached hereto."",""thought"": ""The document stated clearly the total liability of the insurers under the policy, hence no need to look further for another document or information.""},"
"{""Question"": ""What actions result in the forfeiture of all benefits under this Policy?"",""Answer"": ""If any claim is in any respect fraudulent or if any fraudulent means or devices are used by the Insured or anyone acting on his behalf under this Policy or if any loss or damage is occasioned with the connivance of the Insured, all benefits under this Policy shall be forfeited."",""Thought"": ""This information is directly provided in section number 13 named 'Fraud'. There's no additional information required to answer this question that's not provided in the document.""},"
"{  ""Question"": ""What is the policy number of MS First Capital Insurance Limited?"",  ""Answer"": ""The policy number of MS First Capital Insurance Limited is D-23023966FAIR/9."",  ""thought"": ""The policy number is clearly mentioned in the document provided. No other information is needed to answer that question.""},"
"{""Question"": ""Can payments on account be made to the Insured following a loss?"",""Answer"": ""Yes, payments on account can be made to the Insured following a loss, if desired, on production of a statement of a claim certified by the assessor appointed by the Company."",""thought"": ""The document directly states that payments can be made to the Insured following a loss if a statement of a claim is produced that's certified by the Company's assessor. It doesn't mention specific scenarios or conditions under which this might be prevented, however.""},"
"{  ""Question"": ""What is the notice of cancellation period for this policy?"",  ""Answer"": ""14 days"",  ""thought"": ""The document states that the notice of cancellation of this policy is amended to 14 days.""},"
"{""Question"": ""Who entered the policy?"",""Answer"": ""The policy was entered by CHRISNEO."",""Thought"": ""The document mentions CHRISNEO as the one who entered the policy, so I do not need to infer or assume anything to provide this answer.""}"
"{""Question"": ""What is the function of the EK13 Hire Purchase Clause within this insurance contract?"",""Answer"": ""The EK13 Hire Purchase Clause states that any monies payable to the insured under this policy in respect of the loss of or damage to the said property, such money shall be paid to the said owners as long as they are the owners of the property."",""Thought"": ""The description provided for the function of the EK13 Hire Purchase Clause in the document was straightforward and required no further information.""},"
"{""Question"": ""What does the term 'Cyber Loss' refer to in the policy?"",""Answer"": ""Cyber Loss in this policy refers to any loss, damage, liability, claim, cost or expense directly or indirectly caused by, contributed to by, resulting from, arising out of or in connection with any Cyber Act or Cyber Incident. This includes actions taken in controlling, preventing, suppressing or remediating any Cyber Act or Cyber Incident."",""Thought"": ""The definition of 'Cyber Loss' is mentioned explicitly in the text under the 'Definitions' section. The term is covered comprehensively, describing different aspects of how such a loss might occur.""},"
"{""Question"": ""What is the period of insurance for this policy?"",""Answer"": ""The period of insurance for this policy is from 06 April 2023 to 05 April 2024."",""thought"": ""The dates for the insurance period are provided within the document and these dates do not refer to any external information.""},"
"{""Question"": ""What is the risk location covered by the insurance?"",""Answer"": ""The risk location covered by the insurance is Mediterranean Tower 888 Moolah Street, Singapore 069960."",""Thought"": ""The risk location was also clearly specified in the document. No additional information was needed to answer this question.""},"
"{""Question"": ""What happens if the work of rebuilding, repairing, or replacing is not carried out with reasonable despatch according to the provisions of the policy?"",""Answer"": ""If the work of rebuilding, replacing, repairing, or restoring is not started and carried out promptly, the insurers will not be responsible for any payment beyond the amount which would have been payable if this work had been done in a reasonable time frame."",""Thought"": ""This information was provided in the first provision. The company requires policyholders to conduct repairs and other related operations in a reasonable time to ensure that the company's liabilities are kept under control.""},"
"{  ""Question"": ""What is the insured person's responsibility in terms of enforcing rights against any other party according to the Subrogation section?"",  ""Answer"": ""According to the Subrogation section, 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 answer is found directly in the text. No other sources are needed for verification.""},"
"{""Question"": ""What is the name of the insurance company?"",""Answer"": ""The name of the insurance company is MS First Capital Insurance Limited."",""Thought"": ""The name of the insurance company is usually placed at the top of the insurance policy document. In this case, it was found in the first line of the text.""},"
"{""Question"": ""When was this document issued?"",""Answer"": ""This document was issued on 20th January 2023."",""Thought"": ""The information on the date of issue is directly mentioned in the document.""},"
"{    ""Question"": ""What are the stipulations under the Earthquake, Volcanic Eruption, Hurricane, Cyclone, Typhoon, Windstorm And Flood Arising Therefrom clause?"",    ""Answer"": ""These types of disaster damage cover losses directly caused by an earthquake, volcanic eruption, hurricane, cyclone, typhoon, windstorm, and flood caused by any of these perils. However, this comes with the Excess Clause and Special Conditions. The liability of the company is limited to its rateable proportion of the amount by which such loss exceeds either 1% of the total sums insured against such peril on the insured buildings or S$1,000.00, whichever is the lesser amount."",    ""thought"": ""The document provides all the information needed to answer this question. It outlines the conditions under which these specific types of natural disaster damage are covered and the limits of this coverage.""}"
"{""Question"": ""What details need to be given by the insured party in case of property insured under this Policy situated in other premises of Class I construction in Singapore?"",""Answer"": ""The policy is held covered for such property with the condition that the insured makes a declaration on actual risk address within 60 days from the date of acquisition of such other premises. They may also need to pay an additional premium if so required."",""thought"": ""The 'Other Locations' section of the document was used to generate this question and its response. There is no linked or missing information that would require additional documentation.""}"
"{""Question"": ""What is the policy period?"", ""Answer"": ""From 01.01.2023 to 31.12.2023"", ""thought"": ""The policy duration is clearly stated to be from 01.01.2023 to 31.12.2023""}"
"{    ""Question"": ""What happens if the insured doesn't comply with the requirements of the Income or obstructs them?"",    ""Answer"": ""If the Insured or any person on his behalf does not comply with the requirements of Income or hinders or obstructs Income, all benefits under this Policy will be forfeited."",    ""Thought"": ""The document clearly states the consequences of non-compliance or obstruction towards Income by the insured or anyone on his behalf. No additional information is necessary.""}"
"{""Question"": ""What is the Public Authorities Clause about?"",""Answer"": ""The Public Authorities Clause refers to the extension of the building's insurance to include additional cost of reinstatement of the damaged property, which may be incurred due to the necessity to comply with building or other regulations under any government act or bye-laws of any municipal or local authority. There are certain conditions and exclusions attached, like the work of reinstatement must be carried out within twelve months after the damage, and it doesn't include costs incurred in relation to damage not insured by the policy."",""Thought"": ""The question focuses on the particular clause that deals with the additional costs that might become necessary while complying with regulations of public authorities during reinstatement of the property. The answer provides details about what costs are covered versus those which are excluded, offering a comprehensive view of this aspect of the policy. The details are directly stated in the document provided.""},"
"{  ""Question"": ""What is the maximum Indemnity Period for insured Locations under the policy?"",  ""Answer"": ""The Maximum Indemnity Period is 30 days."",  ""thought"": ""The information directly provided from the financial document, no additional information needed.""},"
"{  ""Question"": ""Who will the dispute be referred to if it cannot be dealt with by FIDReC?"",  ""Answer"": ""The dispute 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 answer is found directly in the text. No other sources are needed for verification.""},"
"{""Question"": ""What happens when the risk of destruction or damage is increased without the authority or knowledge of the insured?"",""Answer"": ""The interest of the insured in this insurance shall not be prejudiced. The insured shall immediately upon becoming aware thereof give notice in writing to the insurers and on demand pay such reasonable additional premium as the insurers may require."",""thought"": ""This question is derived directly from the first paragraph under section 44. The cause is directly stated in the information given, so there's no need for further exploratory thinking.""},"
"{""Question"": ""Are there any clauses or endorsements applicable to the above risk?"",""Answer"": ""Yes, there are several clauses including TB01 Automatic Reinstatement of Loss Clause, TB02 Strike, Riot and Civil Commotion, TB03 Breach of Condition, TB04 Breach of Warranties, and so on until TB33 Multiple or Tandem Lifting."",""thought"": ""The list of applicable clauses or endorsements is given in the financial information just after the list of financial companies.""},"
"{""Question"": ""What is the company name for this policy?"",""Answer"": ""MS First Capital Insurance Limited"",""Thought"": ""The company name was clearly stated at the beginning of the financial document.""},"
"{""Question"": ""What is the notice period for policy cancellation?"",""Answer"": ""The notice of cancellation under this policy is amended to read as 60 days."",""thought"": ""The notice period can be found in clause 29 of the policy. No additional information required for this question.""},"
"{""Question"": ""What is the serial number for Discharge pump (P2.1) under Purchase 9 Slurry Pump?"",""Answer"": ""The serial number for Discharge pump (P2.1) under Purchase 9 Slurry Pump is 28364."",""thought"": ""The serial number is clearly mentioned in the document for the particular equipment.""},"
"{""Question"": ""What is the Terrorism Exclusion in the insurance policy?"",""Answer"": ""The Terrorism Exclusion in the insurance policy is a specific policy clause that excludes loss, damage, cost or expense that is directly or indirectly caused by, resulting from or in connection with any act of terrorism. This also includes any actions taken in controlling, preventing, or suppressing or in any way related to an act of terrorism. If the company alleges that by reason of this Exclusion, any loss, cost or expense is not covered by this insurance, it's the insured's responsibility to prove otherwise."",""thought"": ""The provided information gives clear details of the Terrorism Exclusion in the insurance policy. However, for further clarification on specific scenarios or instances, the reference to the original policy document and consultation with the insurance provider might be necessary.""},"
"{""Question"": ""What is the maximum limit set under the Extra Charges clause for overtime, night work, work on Public Holiday and express freight?"",""Answer"": ""The maximum limit set under the Extra Charges clause for overtime, night work, work on Public Holiday and express freight is S$10,000/- in aggregate."",""thought"": ""The information regarding the Extra Charges clause is directly provided in the policy details. The limit for this particular clause has been set to S$10,000 in aggregate.""},"
"{""Question"": ""What are the different deductibles applicable for any loss or series of losses arising out of one event?"",""Answer"": ""The different deductibles applicable for any loss or series of losses arising out of one event are: (a) Landslip and Subsidence (Caused by Flood), SGD15,000, (b) Landslip and Subrisidence (Full Cover), SGD25,000, (c) Plate Glass, SGD500 (d) Laptops, Desktops and Handsets, SGD750 and (e) All Others SGD1,500."",""thought"": ""The values were pulled directly from the 'Deductible (Each and Every Loss)' section of the document.""},"
"{""Question"": ""In which year was the caterpillar CAT CS533E smooth drum soil compactor manufactured?"",""Answer"": ""2016"",""thought"": ""Looking at the 'Year of Manufacture' column, it is indicated that the caterpillar CAT CS533E smooth drum soil compactor was manufactured in 2016.""},"
"{""Question"": ""Are all coverages available in all jurisdictions?"",""Answer"": ""No, all coverages are not available in all jurisdictions."",""thought"": ""The answer is clearly mentioned in the text. No additional information required.""},"
"{""Question"": ""What is the policy number of the given financial document?"",""Answer"": ""D-23023966FA1R/9"",""Thought"": ""The policy number was explicitly given in the document provided in the given section.""},"
"{""Question"": ""What is the policy number for this insurance policy?"",""Answer"": ""D-23023966FAIR/9"",""thought"": ""Managed to find the policy number directly in the document, requires no further information.""},"
"{  ""Question"": ""How is Loss Notification handled according to the policy?"",  ""Answer"": ""According to the Loss Notification Clause, the insurance will not be prejudiced by any inadvertent delays, errors or omission in notifying the Company of any circumstances or events that give rise or are likely to give rise to a claim under this Policy."",  ""thought"": ""The response gives a clear understanding about the Loss Notification Clause stated in the policy. It does not need any further information from any outside source.""},"
"{""Question"": ""What are the repercussions if there is a change of risk and the Company isn't notified in advance?"",""Answer"": ""The insured is required to notify the company of any defects or conditions of working which affect the risk of loss or damage, and cause additional precautions to be taken as the circumstances require. The Company will not be liable for any loss or damage caused by a departure from normal working conditions with the Insured’s approval that creates an aggravated risk unless the Company has given prior consent."",""thought"": ""This response is directly based on the financial information given in the 'Change of Risk' section.""},"
"{""Question"": ""What protocol should the insurer follow in case of policy cancellation?"",""Answer"": ""The insurer is required to advise DBS Bank Ltd prior to the cancellation of the policy, if the insurer receives instruction for policy cancellation. It should also advise DBS Bank Ltd of any material change proposed to terms/coverage of the policy, with at least 14-day notice to be given to DBS Bank Ltd prior to cancellation by the insurer."",""thought"": ""The document explicitly outlines the protocol that the insurer must follow in case of policy cancellation. Therefore, no additional information is needed to answer this question.""},"
"{  ""Question"": ""Is the policy still valid if workmen are allowed in the insured's premises for alterations, repairs and other similar tasks?"",  ""Answer"": ""Yes, the policy is still valid under such conditions provided the independent contract value of such work does not exceed 1% of the sum insured for Insured Property or S$50,000.00, whichever is higher."",  ""thought"": ""The information is provided under the '2. ALTERATIONS & REPAIR/WORKMEN'S' section of the document.""},"
"{""Question"": ""What does the Non-Cancellation clause state?"",""Answer"": ""The insurance company undertakes to advise the interested party mentioned in the schedule period to the cancellation of the policy if instructions have been received for the cancellation of the policy and also to advise the interested party mentioned in the schedule as soon as possible of any other material changes which are to be made in the term of the insurance."",""thought"": ""The Non-Cancellation Clause clearly outlines the obligations of the insurance company in the event of possible policy cancellation or any other significant changes to the policy, as per the final paragraph of the provided document. The response to this query is fully contained within the provided document, and no external sources or additional information is required.""}"
"{""Question"": ""What will happen if an alteration of the property insured occur after the commencement of this insurance?"", ""Answer"": ""The policy shall be avoided with respect to any of the Property Insured that experiences any alteration after the commencement of this insurance."", ""thought"": ""The policy clearly outlines that any alteration in the insured property after the insurance has commenced leads to avoidance of the policy with respect to such property.""},"
"{""Question"": ""What is the period of insurance covered in this policy?"",""Answer"": ""From 30/03/2023 To 29/03/2024"",""Thought"": ""The dates for the period of insurance were directly stated in the document provided.""},"
"{""Question"": ""What is the maximum liability of the Company?"", ""Answer"": ""The maximum liability of the Company shall not exceed the sum insured"", ""Thought"": ""The information is directly stated in the document. The company's maximum liability is equal to the sum insured.""}"
"{""Question"": ""What is the maximum limit for the Cost of Demolition clause?"",""Answer"": ""The maximum limit for the Cost of Demolition clause is S$500,000."",""Thought"": ""The document specified the maximum limit for the Cost of Demolition clause as S$500,000.""},"
"{""Question"": ""What types of transmissions does the policy include?"",""Answer"": ""The policy includes transmissions of any method, direct or indirect. This includes airborne transmission, bodily fluid transmission, transmission from or to any surface or object, solid, liquid, gas, or between organisms."",""Thought"": ""The document specifically provides this detail under clause 3.2.""},"
"{""Question"": ""What kind of cover does the premises insurance under F51 extend to?"",""Answer"": ""The insurance of this Policy extends to cover property described therein while in or on platforms, alleys, yards, outbuildings and/or in the open air at the situation described. However, cover for property in the open is restricted to Fire and Lightning perils only."",""thought"": ""The information is directly drawn from section F51 of the financial information. No additional information from outside the document is needed.""},"
"{""Question"": ""What are the contact details of the insurance company?"",""Answer"": ""The contact details of QBE Insurance (Singapore) Pte Ltd are 1 Wallich Street, #35-01 Guoco Tower, Singapore 078881 with a telephone number of +65 6909 3255 and a fax number of +65 6533 3270"",""thought"": ""These details are provided at the beginning of the document.""},"
"{""Question"": ""What is the maximum liability of the Company in case of damage or destruction?"",""Answer"": ""The liability of the Company shall in no case exceed the sum stated in the Schedule to be insured or the Total Sum Insured hereby or such other sum substituted therefor by endorsement hereon."",""thought"": ""The maximum limit of liability of the Company is explicitly stated in the policy, but the actual amount specified in the Schedule or Total Sum Insured is not provided in the document.""}"
"{""Question"": ""Who is the insured party for the policy number B 300558534 MAR?"",""Answer"": ""The insured party for the policy number B 300558534 MAR is Small Tunnel Pte Ltd."",""thought"": ""The insured party was identified through the provided information under 'Insured'.""}"
"{""Question"": ""Who can enfore the terms of this insurance policy?"", ""Answer"": ""No person other than the Insurer and the Insured shall have any rights or remedies under the Contract (Rights of Third Parties) Act 2001 to enforce any of the terms of this insurance policy."",""thought"": ""The document explicity states who are the parties involved in enforcing the terms of the policy, and no additional information is required for it.""},"
"{""Question"": ""Who is the policy holder of the insurance policy?"",""Answer"": ""The policy holder of the insurance policy is RMG RESOURCES (SINGAPORE) PTE. LTD."",""Thought"": ""The policy holder was directly mentioned in the document, there was no need for inferencing or looking beyond the provided document.""},"
"{""Question"": ""What are the conditions stated for the claim to be made on money?"",""Answer"": ""Claims can be made on Money while being carried by professional money carriers, if it is stolen from a locked and attended vehicle, or if it's stolen from a safe strongroom opened by a key or use of details of a combination, either of which hasn't been left at the Situation outside business hours, unless the key or combination details are obtained by deception or threat. If the loss arises out of a demand made for the payment of money or in connection with any kidnapping, bomb threat, hoax, extortion, then you can make a claim."",""thought"": ""The document sets out various specific conditions under which claims can be made on money. However, it does not specify the amount of money that can be claimed and the protocol for claiming money may be placed else where in the policy.""},"
"{  ""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 is clearly stated in the document, no additional information is needed.""},"
"{""Question"": ""What is the financial impact of a claim under Section 18 'Extended Impact Damage'?"",""Answer"": ""Under the 'Extended Impact Damage' clause, any damage caused by a road vehicle impact is subject to a deductible of the first S$500.00 of the claim if the vehicle is owned or under control of the insured, his agent, or servant."",""thought"": ""The document provides complete information about the financial impact under Section 18. The first S$500.00 of such claim is the responsibility of the insured if the vehicle is theirs or under their control.""},"
"{""Question"": ""What is the total premium due for the policy?"",""Answer"": ""SGD 183.60"",""Thought"": ""The document provided the information about the total premium due directly.""},"
"{""Question"": ""What steps should the Insured take after any event likely to bring rise to a claim under the policy?"",""Answer"": ""The Insured shall notify the Company or their representative as soon as possible, take precautions to prevent any further loss or damage, preserve any evidence, deliver a statement in writing of all details to the company, permit all acts required by the company for enforcing any rights or remedies, and recover any Machinery, including notifying the police in case of theft or damage."",""thought"": ""The process an insured need to follow after any event giving rise to a claim is detailed in 'Claims Procedure' section of the document. No information outside the document was required to generate the answer.""},"
"{  ""Question"": ""What does the Non-cancellation Clause for Bank and Finance Companies state?"",  ""Answer"": ""The Non-cancellation Clause for Bank and Finance Companies states that the Insurer pledges to obtain the finance company's or bank's consent prior to their cancellation of their policy if instructions have been received for cancellation of the policy. The Insurer also promises to advise the finance company or bank immediately of any other material changes."",  ""thought"": ""The explanation of the clause was directly given in the document, no further information required.""}"
"{""Question"": ""Will the insurance policy cover any undamaged ancillary and/or peripheral equipment?"",""Answer"": ""Yes, the insurance policy covers undamaged ancillary and/or peripheral equipment if they become unusable upon replacement of destroyed property."",""thought"": ""The document explicitly mentions it in point number 69.""}"
"{""Question"": ""Does the insurance policy cover damages from natural disasters like earthquakes and hurricanes?"",""Answer"": ""Yes, the policy includes 'Earthquake, Windstorm and Flood Endorsement', which extends coverage to loss or damage caused by earthquake, volcanic eruption, hurricane, cyclone, typhoon, windstorm, and flood."",""thought"": ""To answer this question, information from the 'Earthquake, Windstorm and Flood Endorsement' section of the policy document was referred to. No additional information was required.""}"
"{""Question"": ""What coverage does the Temporary Removal Clause provide for each insured item?"",""Answer"": ""The Temporary Removal Clause provides coverage of up to a limit of 10% of the Sum Insured on each item of property insured under this policy. This covers the property while it is temporarily removed for purposes such as cleaning, renovation, modification, repair, or other similar purposes, whether on the same premises or any other premises. This also includes the transit to and from these premises by road, rail, or inland waterway, within the Republic of Singapore or Malaysia."",""Thought"": ""This policy provides information on the conditions under which coverage is provided for items removed temporarily from the premises. However, the final amount recoverable will not exceed the amount that would have been recoverable had the loss occurred in the part of the premises from which the property is temporarily removed.""},"
"{  ""Question"": ""What is the limit and radius for 'Bomb Threat'?"",  ""Answer"": ""The limit for 'Bomb Threat' is SGD500,000, with a radius of 2.5km."",  ""thought"": ""The limit and radius parameters for 'Bomb Threat' were directly mentioned after the clause name in the given text.""}"
"{""Question"": ""What is the coverage amount for damage to Awnings, Blinds, Signs or Outdoor Fixtures or Fittings caused by the insured perils?"",""Answer"": ""The insurance covers up to $100,000 for loss or damage to the Awnings, Blinds, Signs or Outdoor Fixtures or Fittings of any description caused by the insured perils."",""thought"": ""The provided information specifically states the coverage amount for this category of items. No additional information is required to answer this question.""},"
"{""Question"": ""What is the process for premium payment if the period of insurance is less than 60 days?"",""Answer"": ""If the period of insurance is less than 60 days, any premium due must be paid and actually received in full by the company within the period of insurance."",""Thought"": ""The process for premium payment for insurance periods less than 60 days was outlined in the financial document.""}"
"{""Question"": ""What will happen in the event of conflict of interpretation among various clauses, provisions and terms within the MS First Capital Insurance Limited policy?"",""Answer"": ""In the event of a conflict of interpretation between various clauses, provisions, and terms within the policy, the interpretation most beneficial to the insured will always prevail."",""Thought"": ""This question required understanding that conflict of interpretation refers to the situation where various provisions or terms within the policy could be understood in different ways. The detail on how such a situation would be handled was directly stated in the provided document.""},"
"{""Question"": ""Who can the policy holder contact if they have any questions regarding their policy?"",""Answer"": ""The policy holder can contact KINETIC INSURANCE AGENCY on 66946128 or email to chrissy@km.sg."",""Thought"": ""The contact information of the insurance agency was provided in the document, no need to look for it elsewhere.""},"
"{""Question"": ""What is the policy number?"",""Answer"": ""The policy number is D-23023966FAIR/9."",""Thought"": ""The policy number is clearly labelled in the provided document, making it simple to identify.""},"
"{""Question"": ""What types of losses does the 'Electronic Date Exclusion' cover?"",""Answer"": ""The 'Electronic Date Exclusion' does not cover any consequential loss caused directly or indirectly by the failure or inability of any computer or electronic equipment to correctly recognize any date as its true calendar date, capture save or retain, and/or correctly manipulate, interpret or process any data or information. This includes any loss arising from the operation of any command programmed into any computer software which causes the loss of data."",""thought"": ""The information is directly extracted from the 'Electronic Date Exclusion' clause of the policy. Additional data is not needed to answer this question.""},"
"{""Question"": ""What is the registered company number of MS First Capital Insurance Limited?"",""Answer"": ""The registered company number of MS First Capital Insurance Limited is 19S000106C."",""thought"": ""The registered company number was directly provided in the document. No additional pieces of information are required.""},"
"{""Question"": ""What bank has an interest in the Tunneling Machine model number M-02344M?"",""Answer"": ""DBS Bank Ltd has an interest in the Tunneling Machine model number M-02344M."",""thought"": ""The bank's interest is mentioned directly before the sum insured of the Tunneling Machine model number M-02344M. No additional information is required.""},"
"{""Question"": ""What is the Standard Turnover as per the policy of MS First Capital Insurance Limited?"",""Answer"": ""The Standard Turnover is the proportional equivalent, for a period equal to the Indemnity Period, for the Turnover realised during the period between the commencement of the Business and the date of the Damage."",""thought"": ""The definition of Standard Turnover is provided in the document, no need for additional information.""},"
"{""Question"": ""What is the registered company number of MS First Capital Insurance Limited?"",""Answer"": ""The registered company number of MS First Capital Insurance Limited is 195000106c."",""Thought"": ""The company registration number is found early in the document. The mention of 'co.Reg. no. 195000106c' seemed to suggest that this is the company's registration number. Cross checking this number with official records can confirm this assumption.""},"
"{""Question"": ""What does the term 'Insured' refer to in the given financial document?"",""Answer"": ""In the given financial context, 'Insured' refers to the employer who is named as the insured person in the schedule. This term includes any superannuation or pension scheme, welfare, social and sporting club that is formed for the employees' benefit and is known to the Insured."",""thought"": ""Referring to the definitions section in the financial document, I was able to figure out the meaning of 'Insured'. No additional details are needed.""}, "
"{""Question"": ""Is any work by workmen allowed on the insured property and does it affect the coverage?"",""Answer"": ""Yes, workmen are allowed in or about the insured buildings for the purpose of making structural or other alterations or repairs up to a contract value of $100,000. However, it is warranted that woodwork be not prepared by power but only fitted and finished."",""thought"": ""Checked 'Workmen's Clause' for this. The specific conditions regarding work done by workmen on the insured property are found in this clause.""}"
"{""Question"": ""What is the contact number of claims & Motor Underwriting Department of MS First Capital Insurance?"",""Answer"": ""Tel: (65) 6507 3848 Fax: (65) 6507 3849"",""thought"": ""Found the contact information of claims and Motor Underwriting Department directly in the provided text.""},"
"{""Question"": ""What kind of damage is covered under the smoke damage clause?"",""Answer"": ""The destruction of or damage to the property insured directly caused by smoke due to a sudden, unusual and faulty operation of any heating or cooking unit, is covered. This coverage applies only where the damage or destruction occurred while that unit was connected to a chimney by a smoke pipe or vent pipe and was in or on the insured premises."",""thought"": ""The information was taken directly from the section on the 'Smoke Damage Clause'.""},"
"{  ""Question"": ""Who are the approved adjusters for this policy?"",  ""Answer"": ""The approved adjusters are Sedgwick Singapore Pte. Ltd., Crawford & Company International Pte Ltd and McLarens Singapore Pte Ltd."",  ""Thought"": ""The adjusters for the policy are clearly mentioned in the document, making this question straightforward to answer.""}"
"{""Question"": ""Who is responsible for bearing the cost of provisional repairs?"",""Answer"": ""The cost of any provisional repairs shall be borne by the Company if such repairs constitute part of the final repairs and do not increase the total cost of repair."",""thought"": ""The information is clearly stated in the financial document. The company is responsible for the cost of provisional repairs if these repairs are part of the final repairs and do not increase the total cost of the repair. No other information outside the document was required to answer the question.""},"
"{    ""Question"": ""According to the policy, who are the approved adjusters for any loss?"",    ""Answer"": ""The approved adjusters are McLarens Singapore Pte Ltd, AJAX Adjusters & Surveyors Pte Ltd, and Sedgwick Singapore Pte Ltd."",    ""thought"": ""The answer is directly outlined in the clause TB37, titled 'APPROVED ADJUSTER CLAUSE', which lists out the approved adjusters. There are no supplementary information or redirections to another piece of data in the document necessary to answer this question.""},"
"{        ""Question"": ""What steps should insured have to take for subrogation?"",        ""Answer"": ""Any claimant under this policy should do, and concur in doing and permit to be done all such acts and things as may be necessary or reasonably required by the insurers for the purpose of enforcing any rights and remedies, or of obtaining relief or indemnity from other parties."",        ""thought"": ""Subrogation is when an insurance company recovers funds it has paid out to a policyholder from the party responsible for causing the damage. The document details actions the policy holder might be required to take in this process.""    },    "
"{  ""Question"": ""Does the policy insure the value of the lost electronic data to the Insured?"",  ""Answer"": ""No, this policy does not insure any amount pertaining to the value of such electronic data to the insured or any other party, even if such electronic data cannot be recreated, gathered or assembled."",  ""thought"": ""The document clearly states that the value of electronic data in case of its loss is not insured. The user needs to be aware of this constraint."" }"
"{""Question"": ""What steps is the insured required to take to maintain their property according to the provided information?"", ""Answer"": ""The Insured is required to maintain the insured property in sound repair and should take all responsible steps to prevent damage from the perils covered by the insurance policy."", ""thought"": null}, "
"{""Question"": ""Does the policy extend to costs associated with re-erecting machinery and plant?"", ""Answer"": ""Yes, the policy covers the cost of re erecting, fittings and fixing Machinery and Plant in consequence of destruction or damage."", ""Thought"": ""The Cost Of Re-erection section explicitly mentions that these costs are included.""},"
"{  ""Question"": ""What is the account number associated with this policy?"",  ""Answer"": ""The account number associated with this policy is 01000803."",  ""thought"": ""The account number was directly stated on the document under 'Account Number'.""},"
"{  ""Question"": ""How many arbitrators will be involved in the proceedings?"",   ""Answer"": ""The number of arbitrators in the proceedings will be one."",   ""thought"": ""The text provides information on the number of arbitrators.""}"
"{  ""Question"": ""What is the limit on the loss from electronic equipment breakdown and extra expenses?"",  ""Answer"": ""The limit is S$1,000,000/- for any one occurrence and in the annual aggregate."",  ""thought"": ""The limit from electronic equipment breakdown and extra expenses was directly stated in the document, no additional information is necessary.""},"
"{""Question"": ""What are the sections that have been taken in this insurance?"",""Answer"": ""The only taken section is 'Financial Protection'."",""thought"": ""The document mentions that the sections 'Hired in Plant', 'Additional Benefits', 'Breakdown' and 'Material Damage' are 'Not Taken'. However, there is no clarification or additional information on what these sections entail in the given document.""}"
"{""Question"": ""What are the instances that the company will pay for the damages?"",""Answer"": ""The Company will pay for damages when the Property Insured is destroyed or damaged by Fire or Lightning during the Period of Insurance stated in the Schedule."",""thought"": ""The conditions governing when the company will pay for damages are clearly stated in the document. It specifically mentions that destruction or damage by Fire or Lightning during the Period of Insurance are covered.""},"
"{""Question"": ""What exclusion does 'Addendum No. 5' specify in the Policy?"",""Answer"": ""Addendum No. 5 states a 'Territorial Exclusion' clause for Belarus, Russia, and Ukraine. The Policy excludes any loss, damage, liability, cost or expense of any nature, directly or indirectly arising from or in respect to any entity, property or individual that is domiciled, resident, located, incorporated, registered, established, or located in these territories."",""thought"": ""All the information required to answer this question is clearly stated in the document. The addendum specifically relates to territorial exclusion, and doesn't need external data to elaborate.""}"
"{""Question"": ""Who is the servicing distributor for this policy?"",""Answer"": ""AWG Insurance Brokers PTE LTD"",""Thought"": ""Information about the servicing distributor is provided in the document.""},"
"{    ""Question"": ""What is the policy number?"",    ""Answer"": ""MAR/23-MA001405-R001"",    ""thought"": ""Direct information present in the document, no need for redirection.""},"
"{""Question"": ""What are some examples of materials that undergo high rate of wear or depreciation?"",""Answer"": ""Examples of materials that undergo high rate of wear or depreciation include crushing hammering or grinding surfaces, wear plates, screens and sieves, flexible pipes, jointing and packing materials, filter cloths, ropes, belts, straps, elevator and conveyor belts or bands, cables (other than electrical conductors), brushes, batteries, refractory materials, fire bars, burner jets, exchangeable and replaceable parts such as bits, drills, knives, saw blades, dies, moulds, pattern blocks, stamps, punches, coatings or engravings on cylinders and rolls."",""thought"": ""This information was directly provided in the given financial document under list of operating materials.""},"
"{""Question"": ""What are the main exclusions of the policy?"",""Answer"": ""The policy does not cover: a) war and related risks, b) terrorism, c) radioactive and nuclear risks, d) bullion, unset precious stones, e) work of art, f) manuscripts, plans, g) documents, stamps, money, business books."",""thought"": ""The policy exclusions are clearly listed in the document.""},"
"{""Question"": ""What is the premium of the insurance?"",""Answer"": ""The premium of the insurance is SGD4,539.14."",""thought"": ""The information is mentioned under the labeled section 'Premium' in the document, no external information required.""},"
"{""Question"": ""What is the total due amount in SGD?"",""Answer"": ""The total due amount in SGD is $ 415.26."",""thought"": ""The document provides information on the total due amount which is SGD $ 415.26.""},"
"{""Question"": ""What extra charges does the policy cover?"",""Answer"": ""The policy covers extra charges for overtime, night work, work on public holidays and express freight (excluding airfreight), provided such extra charges are incurred in connection with any loss of or damage to the insured items."",""Thought"": ""The policy mentioned in the document covers extra charges for overtime, night work, work on public holidays and express freight.""},"
"{  ""Question"": ""What is the policy for damage caused to electrical installations due to electric current artificially generated?"",  ""Answer"": ""The company is not liable for any destruction or damage to any electrical appliance or device. However, if a fire ensues, the company will cover the proportion of the destruction or damage directly caused by the fire, with the insured bearing the first amount of S$250 for each and every claim."",  ""thought"": ""The document provides precise information about the liability of the company in case of damage caused due to artificially generated electrical currents.""},"
"{""Question"": ""What is the contact telephone number for Underwriting Agencies of Singapore Pte Ltd?"",""Answer"": ""The contact number for Underwriting Agencies of Singapore Pte Ltd is +65 6909 3255."",""Thought"": ""The contact number for the Underwriting Agencies of Singapore is provided directly in the document."" },"
"{""Question"": ""What exceptions are there to the Communicable disease endorsement?"",""Answer"": ""The endorsement does not cover any loss, damage, claim, cost, expense, or other sum that arises directly or indirectly from a Communicable Disease or the fear or threat (whether actual or perceived) of a Communicable Disease. This includes any cost to clean-up, detoxify, remove, monitor or test either for a Communicable Disease, or any property insured that is affected by such a Communicable Disease."",""Thought"": ""The policy clearly outlines what is not covered under the Communicable Disease endorsement. Further external information is not necessary.""}"
"{""Question"": ""What is the excess amount for each and every loss under this policy?"",""Answer"": ""The excess amount for each and every loss under this policy is S$3,500.00."",""thought"": ""The excess amount is clearly specified in the document. There's no need for external information.""}"
"{""Question"": ""What is the dimension of the machine with the power pack?"",""Answer"": ""The dimension of the machine with the power pack is Dia. 2 595mm, Length approx. 3 200mm."",""thought"": ""The document provided direct information on the dimension of the machine with the power pack.""},"
"{""Question"": ""What is the business of the named insured?"", ""Answer"": ""The business of the named insured includes property investment, holdings, property development, commercial property managers/operators, provision of other services to property owners, building retro fitting (including Land Banks), including activities as allowed by their Memorandum and Articles of Association (if applicable) and any other occupation incidental thereto"", ""thought"": ""The business activities of the named insured are clearly outlined in the policy information.""}"
"{  ""Question"": ""What will be the maximum liability of the company under the insurance extension?"",  ""Answer"": ""The maximum liability of the Company under this extension shall not exceed SGD1.000.000 any one occurrence and in the aggregate during the period of insurance."",  ""thought"": ""Information extracted directly from the provided financial document, no further information is required.""},"
"{""Question"": ""Who holds the bank interest for the policy with machine code MK-05-TM?"",""Answer"": ""The bank interest for the policy with machine code MK-05-TM is held by DBS Bank Ltd."",""thought"": ""The answer was identified directly from the provided financial information. The insurance policy details the bank with interest in the policy.""},"
"{""Question"": ""What does Indemnity Value refer to in this policy?"",""Answer"": ""Indemnity Value refers to the value attributable to the cost to replace or rebuild the Property Insured to a condition substantially the same as but not better or more extensive than its condition at the time that the Damage occurred taking into consideration age, condition and remaining useful life."",""thought"": ""The question and answer solely rely on the information provided in the document. There is no need for any further information to answer this question.""}"
"{    ""Question"": ""What is the limit for expediting expenses according to the policy?"",    ""Answer"": ""The limit for expediting expenses according to the policy is S$25,000 in aggregate."",    ""thought"": ""This piece of data is present in the clause TB29 'EXPEDITING EXPENSES'. The limit stated directly is S$25,000. So no further explanation or supplementary information is needed.""},"
"{""Question"": ""What is Cyber Act according to the contract?"",  ""Answer"": "" Cyber Act refers to an unauthorized, malicious or criminal act or series of related unauthorized, 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 document provides a clear definition of Cyber Act. There was no need for external information.""},"
"{    ""Question"": ""What is the cost of the Hitachi ZX33U-5A hydraulic excavator unit with the serial number HCMADB90L00039528?"",    ""Answer"": ""The cost of the Hitachi ZX33U-5A hydraulic excavator with the serial number HCMADB90L00039528 is $31,590.00."",    ""Thought"": ""The cost information on each unit is found after the serial numbers and respective bank info in the given financial data. Assumed the mentioned amount next to the serial number to be the cost of the unit. Did not have to consult external information.""  },  "
"{""Question"": ""What is the total sum insured for all the properties listed?"",""Answer"": ""To determine the total sum insured for all properties, the individual sums need to be added. This information is not provided in the given document."",""thought"": ""While the individual sums insured for each property are mentioned, the document does not give a combined total value. The reader would need to perform an additional calculation to determine this value.""}"
"{""Question"": ""What is the total sum insured under this policy?"",""Answer"": ""The total sum insured under this policy is S$ 2,545,000.00."",""thought"": ""The total sum is mentioned in the document, hence there's no need to refer to any external sources.""},"
"{""Question"": ""What is the Number of items in Lubrication Injection Station under Purchase 14?"",""Answer"": ""There are 68 nos. of Lubrication Injection Station under Purchase 14."",""thought"": ""The number of items is clearly mentioned in the document under the subheading '14.1'.""},"
"{""Question"": ""What does 'computer virus' imply according to the given document?"",""Answer"": ""According to the given document, 'Computer virus' implies a set of corrupting, harmful or otherwise unauthorised instructions or code, programmatic or otherwise, that can propagate themselves through a computer system or network. The term 'Computer virus' includes 'Trojan Horses', 'worms', and 'time or logic bombs'."",""thought"": ""The definition for 'computer virus' is directly taken from the document. No additional information is required.""}"
"{  ""Question"": ""What does the policy offer regarding awnings, blinds, signs or other outdoor fixtures or fittings?"",  ""Answer"": ""The policy extends to include awnings, blinds, signs or other outdoor fixtures or fittings up to a limit of S$10,000.00 for any one loss."",  ""thought"": ""The answer is clearly stated in the '5. AWNINGS, BLINDS, SIGNS OR OTHER OUTDOOR FIXTURES OR FITTINGS OF ANY DESCRIPTION' section of the document.""}["
"{""Question"": ""Is the property insured under this policy covered if it is temporarily removed for cleaning, renovation, modification, repair or other similar purpose?"",""Answer"": ""Yes, each item of property insured under this policy is covered up to a limit of 10% of the sum insured while temporarily removed for such purposes. It is covered while on the same premises, or if moved to other premises, and during transit to and from such premises by road, rail or inland waterway, all in the Singapore or Malaysia."",""thought"": ""Referencing the 'Temporary Removal Clause' helped answer this question. However, there are certain exceptions which are not included in the answer and would need further details or specific scenario.""},"
"{""Question"": ""Under what bank interest is the risk number 4?"",""Answer"": ""The bank interest details for risk number 4 is not provided in the document."",""thought"": ""Bank interest detail was mentioned for risk number 3 and risk number 4 but for risk number 4 it was not mentioned in the document, we need additional information for that.""}"
"{    ""Question"": ""What is the burden of the insured for each claim under the Extended Impact Damage extension?"",    ""Answer"": ""The insured will bear a burden of S$250.00 for each and every claim under the Extended Impact Damage endorsement."",    ""thought"": ""The document provides a specific amount that the insured would need to pay for each claim under the Extended Impact Damage extension. No further information is required for answering this question.""},"
"{""Question"": ""What occurrences are not covered under the perils in this insurance policy?"",""Answer"": ""Occurrences not covered under the perils in the insurance policy are natural disasters like earthquakes, volcanic eruptions and atmospheric disturbances like typhoon, hurricane, tornado. War and military unrest including invasion, civil war, mutiny, military or popular uprising, insurrection, rebellion, revolution, military or usurped power, martial law or any events caused by these are also not covered."",""thought"": ""This policy excludes many natural and human-related disturbances and conflicts. These exclusions restrict the coverage significantly. For more information, again, one may need to refer to the full text of the policy or consult a legal/financial expert.""}"
"{""Question"": ""Does the insurance cover customers’ property in the Insured’s custody?"",""Answer"": ""Yes, the insurance extends to include customers’ property in the Insured’s custody and for which he is legally responsible."",""Thought"": ""This is covered under clause '13. CUSTOMERS' PROPERTY'. The section outrightly specifies the coverage of the insurance in respect to customers' property.""}]"
"{""Question"": ""What are the circumstances under which Chubb Insurance Singapore Limited agrees with the insured?"",""Answer"": ""Chubb Insurance Singapore Limited agrees with the insured that if the property insured is destroyed or damaged by FIRE or LIGHTNING, then the Company will pay or make good to the insured the value of this property or the amount of such damage."",""Thought"": ""The document clearly states the conditions under which the insurance company would payout the damages - if the property insured is destroyed or damaged by fire or lightning.""},"
"{""Question"": ""What is the period of the insurance?"",""Answer"": ""The period of insurance is from 01/01/2023 to 31/12/2023."",""thought"": ""The period of insurance was mentioned in the section detailing the cover of the policy.""},"
"{    ""Question"":""What is the premium due?"",    ""Answer"":""SGD 113.40"",    ""Thought"":""The premium due is specified in the document itself and hence the answer is directly taken from it.""},"
"{  ""Question"": ""What is the policy number?"",  ""Answer"": ""D 300278617 FII"",  ""thought"": ""The policy number is clearly mentioned at the start of the document. There is no need to search or calculate anything in this regard.""},"
"{""Question"": ""What does the financial document mention about assignment of rights and benefits under the policy?"",""Answer"": ""The insured cannot assign his rights, benefits and claims under the Policy without prior consent in writing of the Company."",""thought"": ""This question pertains directly to the information provided in the document and does not require additional data for an appropriate answer.""},"
"{""Question"": ""What are the insured properties?"",""Answer"": ""1. Emulsion Service Tank 20 cubic meter, 2. MechTEK 400 Cold Mix Plant, 3. Unibatch 300 Asphalt Batching Plant"",""thought"": ""The insured properties are listed under the 'Item Property Insured' section.""},"
"{""Question"": ""What is the policy number/reference number of MSIG Insurance (Singapore) Pte Ltd as a follow co-insurer?"",""Answer"": ""The policy number/reference number of MSIG Insurance (Singapore) Pte Ltd as a follow co-insurer is 300652630 ISR."",""thought"": ""The policy number was directly mentioned in the list under 'PRIMARY INSURERS'. No additional information was required.""},"
"{""Question"": ""What is the condition for the Insured to bear a rateable proportion of the loss under Reinstatement Average Relief according to F53?"",""Answer"": ""Under the Reinstatement Average Relief, if at the time of reinstatement the sum representing 85% of the cost which would have been incurred in reinstatement if the entire property had been destroyed exceeds the sum insured, then the Insured will bear a rateable proportion of the loss."",""thought"": ""This information is stated directly in section F53 of the financial document. There is no need to redirect or find additional information.""},"
"{""Question"": ""Can the policy be invalidated due to foreclosures or increased risk in the insured property?"",""Answer"": ""No, according to the Mortgagee/Chargee Clause, this insurance will not be invalidated by any foreclosure or other proceedings or notice of sale related to the property, or by the occupation of the premises for purposes more hazardous than permitted by this policy, or by any increase of risk taking place in the property insured."", ""thought"": ""As per the Mortgagee/Chargee Clause, the insurance will continue to be valid even with foreclosure or proceedings, occupation of the premises for hazardous purposes or increase of risk. None of these can invalidate the insurance so the policy will continue as per its terms and conditions.""}The user didn't provide any financial information. I cannot proceed with generating questions, answers, and thoughts without any given information."
"{""Question"": ""What property does section I of the policy not cover?"",""Answer"": ""The policy does not cover Damage to property during transit, Money unless specific conditions are met, Jewelry, furs, bullion, precious metals or precious stones unless as personal effects of employees and stock or merchandise of the Business or due to certain events, Watercraft and Aircraft and certain Vehicles or trailers registered or licensed to travel on a public road."",""thought"": ""The document outlines various exclusions that specify instances in which the policy won't cover property damage. But it doesn't outline in detail what specific 'Damage' entails that further details might be found in another section of the policy document not provided.""},"
"{""Question"": ""What is the most expensive item bought?"",""Answer"": ""The most expensive item bought is a caterpillar 307.5 hydraulic excavator c/w accessories for $75,600.00."",""Thought"": ""The cost of all the items is given in the document. By comparing these costs, the caterpillar 307.5 hydraulic excavator c/w accessories appears to be the most expensive item.""},"
"{""Question"": ""Who is the insured company for this policy?"", ""Answer"": ""The insured company for this policy is Nam Nam Pte Ltd as Mortgagor and/or DBS Bank Ltd as Mortgagee."",""thought"": ""The insured name was given under the schedule section of the document, there is no further information needed.""},"
"{""Question"": ""What is the total due amount?"",""Answer"": ""The total due amount is SGD 15,187.50."",""thought"": ""The total due amount was mentioned near the end of the document, under the author's signature.""},"
"{""Question"": ""What exclusions are mentioned in the policy?"",""Answer"": ""The policy doesn't cover loss arising after the insured has knowledge of any act of fraud or dishonesty on part of an employee, for the excess stated in the schedule in respect of each claim arising out of any act or acts of fraud or dishonesty by any one employee, or for stock losses discovered during stock taking or routine stock check unless an act of fraud or dishonesty has been committed by an employee or employees and all other obligations imposed upon the insured are fulfilled."",""thought"": [""The document provides information on all the specific exclusions. If asked about any particular exclusion's implications further information would be required.""]},"
"{""Question"": ""When does ECP Beach Corp's insurance policy expire?"",""Answer"": ""ECP Beach Corp's insurance policy expires on 11th August 2023."",""Thought"": ""The policy period is mentioned in the document provided, specifically mentioning the date to (expiry date). No further information is needed.""}"
"{""Question"": ""What is the policy number for the Fire Insurance?"",""Answer"": ""The policy number for the Fire Insurance is 5135735442."",""thought"": ""The policy number is clearly stated at the beginning of the document. No other information is required or infringes upon this information.""},"
"{  ""Question"": ""What does the term 'Communicable Disease' refer to according to the policy?"",  ""Answer"": ""According to the policy, a Communicable Disease refers to any disease which can be transmitted by means of any substance or agent from any organism to another organism. This includes transmission through a virus, bacterium, parasite, or other organism or any variation thereof. The direct or indirect method of transmission, including, but not limited to, airborne transmission, bodily fluid transmission, transmission from or to any surface or object, solid, liquid or gas or between organisms. Additionally, if the disease, substance or agent threatens or leads to 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 the policy, it is considered a Communicable Disease."",  ""thought"": ""The question refers to a lengthy and quite complex passage in the document. However, all information necessary to answer the question is contained within sections 3 and 3.1, 3.2, and 3.3 of the document. No external resources or additional information were required to respond to this query.""}"
"{""Question"": ""Under what condition is the validity of this policy subject to?"",""Answer"": ""The validity 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 breached any premium payment condition in respect of a previous policy 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"": ""This question requires the information given in section 6 of the document, there is no additional information required from outside the given document.""},"
"{""Question"": ""What coverage is offered under 'Item No. 6 - On Administrative and Research & Development'?"",""Answer"": ""The coverage under 'Item No. 6 - On Administrative and Research & Development' is extended to include indemnification for loss sustained in respect of Administration and Research Establishment Expenditure and Increase in Cost of Working related thereto, irrespective of any reduction in Turnover."",""Thought"": ""The information about the coverage under 'Item No. 6 - On Administrative and Research & Development' was clearly stated in the document.""}"
"{  ""Question"": ""What are some of the exclusions listed in the policy?"",  ""Answer"": ""The policy excludes 'Biological or Chemical Materials' and 'Communicable Disease' as per exclusions NMA 2962 and LMA 5393 respectively."",  ""thought"": ""The information about exclusions is clearly mentioned in the document, no additionally needed information.""}"
"{""Question"": ""What is the sum insured for Property damage and Business Interruption?"",""Answer"": ""The sum insured for Property Damage is $ 359,622,191.00 and for Business Interruption is $ 231,268,358.34."",""Thought"": ""The sum insured for both cases was provided in the document. Hence, no outside information was required to answer this question.""}"
"{""Question"": ""What is the policy number and when was it issued?"",""Answer"": ""The policy number is 2022-F0250513-IAR-R001 and it was issued on 25/08/2022."",""Thought"": ""The policy number and issue date can be obtained directly from the provided document. The information is listed under 'POLICY INFORMATION'.""},"
"{        ""Question"": ""What is the policy number of the insured?"",        ""Answer"": ""D-23023966FAIR/9"",        ""thought"": ""The policy number is clearly mentioned in the document. It's unique to the holder of the policy.""    },    "
"{""Question"": ""What does the insurer agree to pay in case of the exercise of Statutory powers leading to a reduced floor space ratio index?"",""Answer"": ""The Insurers agree to pay, in addition to any amount payable on reinstatement of such building or other structure, the difference between (a) the actual cost of reinstatement incurred in accordance with the reduced floor space ratio index and (b) the cost of reinstatement which would have been incurred had a reduced floor space ratio index not been applicable."",""thought"": ""The information is directly stated in the document, which describes the specific scenario where the insurer would cover the difference cost in reinstatement due to reduced floor space ratio index.""},"
"{""Question"": ""Under whose jurisdiction and laws is this insurance governed?"",""Answer"": ""This insurance is governed by the exclusive jurisdiction of the courts of Singapore and by the laws of Singapore."",""Thought"": ""The jurisdiction and laws under which the insurance is governed are clearly stated in the document under 'JURISDICTION' and 'PROPER LAW'.""},"
"{""Question"": ""What conditions must the insured property meet to have the Replacement Value applied?"",""Answer"": ""For Replacement Value to be applied, the insured property must meet the following conditions: (i) The sum insured should at all times represent the new replacement value, (ii) the property insured is not obsolete, and (iii) if at the time of replacement the sum representing the replacement cost exceeds the sum insured, then the insured shall bear a rateable proportion of the loss."",""thought"": ""This question relates directly to the Replacement Value section of the provided financial information. I have based my answer on the conditions laid out in that section. No additional information from outside the given text is required to answer this question.""},"
"{""Question"": ""What are some materials that suffer a high rate of wear or depreciation?"",""Answer"": ""Some examples mentioned in the text are crushing, hammering or grinding surfaces, wear plates, screens and sieves, flexible pipes, jointing and packing materials, filter cloths, ropes, belts, straps, elevator and conveyor belts or bands, cables (other than electrical conductors), brushes, batteries, refractory materials, fire bars, burner jets, exchangeable and replaceable parts such as bits, drills, knives, saw blades, dies, moulds, pattern blocks, stamps, punches, coatings or engravings on cylinders and rolls."",""thought"": ""The document clearly lists materials that suffer a high rate of wear or depreciation.""},"
"{""Question"": ""What is the period of Insurance?"",""Answer"": ""From 28/05/2022 to 27/05/2023"", ""thought"": ""The period of insurance is clearly stated in the document as from 28/05/2022 to 27/05/2023 and doesn't require sourcing information from anywhere else.""},"
"{""Question"": ""What is the policy number for the insurance of HERITAGE SIGHT PTE LTD?"",""Answer"": ""The policy number for the insurance of HERITAGE SIGHT PTE LTD is 2023-F0235604-FRC-R003"",""thought"": ""The policy number was directly given in the policy information section of the document.""},"
"{""Question"": ""What is the limit for other locations under policy F48?"",""Answer"": ""The limit for other locations under policy F48 is S$100,000.00 per location, subject to 30 days."",""thought"": ""The limit was mentioned directly under the details of the F48 policy.""},"
"{""Question"": ""What is the meaning of 'Self Ignition' in the given document?"",""Answer"": ""Self Ignition refers to the loss, damage or destruction to any part or parts of electrical machines not exceeding 1.5 kw (2 h.p.), electrical installations or apparatus caused by the actual burning out of such part or parts by the electric current therein."",""thought"": ""The document clearly states the meaning of 'Self Ignition', which pertains to certain electrical equipment. Consequently, there is no additional information needed from any other source."",""Question"": ""What is not covered by the company in the event of 'Self Ignition'?"",""Answer"": ""The company is not liable for loss of use, depreciation, wear and tear, loss, damage or destruction to lighting or heating elements, fuses or protective devices, or electrical contacts at which sparking or arcing occurs in ordinary working."",""thought"": ""The information is derived directly from the text, specifying the exceptions in the event of 'Self Ignition'. There isn't any information missing from the document that would require sourcing from elsewhere."",""Question"": ""What happens when a property is damaged but its foundation remains undamaged due to certain statutory powers?"",""Answer"": ""If the damaged Property Insured has to be reinstated on other sites, then the undamaged foundations will be considered destroyed. However, should the presence of such undamaged foundations increase the resale value of the original building site, this increase will be taken into account in the settlement of the loss."",""thought"": ""The explanation given in the document about what happens in such a situation is quite explicit, therefore no additional information is required."",""Question"": ""What is the policy regarding seasonal increase of the sum insured in respect of stock?"",""Answer"": ""The sum insured is increased by SGD500,000 for six weeks commencing 1 December and preceding Chinese New Year. It is also increased by SGD250,000 for a period of fourteen days preceding and including any public holiday other than a public holiday occurring during the period described above in each period of insurance."",""thought"": ""The given document clearly outlines the terms of seasonal increase of the sum insured. This makes it straightforward to respond to this question without needing additional information."",""Question"": ""What are the terms of Memo A and Memo B policies?"",""Answer"": ""Memo A extends Section 1 to cover loss or damage caused by or arising from exposure to weather conditions where the property or movable property is left in the open or not contained in a fully enclosed building, up to a limit of SGD100,000. Memo B extends Section 1 to cover loss or damage to chilled/refrigerated stock as a result of change in temperature or escape of refrigerated fumes up to SGD20,000."",""thought"": ""Both policies named Memo A and Memo B were explicitly detailed in the given financial information, which is why no additional information from another source was necessary.""}"
"{""Question"": ""What is the policy number of the insurance?"",""Answer"": ""The policy number of the insurance is 8-F0001208-FFF-R014."",""thought"": ""The policy number was directly mentioned in the document, so it did not require additional steps to answer.""},"
"{""Question"": ""What is the company's policy regarding other insurances covering the same damage?"",""Answer"": ""If at the time of any loss or damage covered by this Policy there shall be any other insurance covering such damage effected by or on behalf of the Insured, the Company shall not be liable for more than their rateable proportion of such damage. If such other insurance is subject to any condition of advantage to the Company, this Policy shall be subject to such condition in a like manner."",""thought"": ""For circumstances in which another insurance policy also covers the harm or loss, the company's policy identifies how it shares responsibility. If any terms of the other insurance policy favor the company, those terms will be applied to this policy as well.""}"
"{""Question"": ""What is the current GST rate applied?"",""Answer"": ""The current GST rate applied is 7.00%."",""Thought"": ""I found the GST rate by looking for 'GST @' in the document.""},"
"{""Question"": ""What does the insurance policy cover?"",""Answer"": ""The insurance policy covers physical loss, destruction or damage to the Insured Property. It also covers several additional costs, such as professional fees, government fees, costs to extinguish a fire, cost of refilling fire extinguishing systems, cost of replacing fire protective equipment, temporary protection costs, and costs of replacing locks or keys after a theft."",""Thought"": ""This information was given in the section 'THE INDEMNITY'. The elaboration of what insurance would cover was found from the '(a)' to '(g)' list that followed.""},"
"{""Question"": ""How does MS First Capital Insurance Limited handle the replacement of locks and keys?"",""Answer"": ""If keys are stolen or there are reasonable grounds to believe the keys may have been duplicated, the insurer will indemnify the insured in respect of the costs of replacing such locks and/or keys. However, the insurer's liability shall not exceed SGD50,000."",""thought"": ""The 'Replacement of Locks and Keys' clause is clearly mentioned in the document.""}"
"{""Question"": ""What does 'Indemnity Period' refer to?"",""Answer"": ""Indemnity Period is the period starting with the occurrence of the Damage and ending not later than the specified number of months in the Schedule. During this period, the results of the Business are affected in consequence of the Damage."",""thought"": ""The answer is directly referring to the given document, no additional information is required.""},"
"{""Question"": ""What does the policy's continuation clause state regarding the automatic reinstatement of loss?"",""Answer"": ""The automatic reinstatement of loss clause states that in consideration of the insurance not being reduced by the amount of any loss, the insured shall pay the appropriate extra premium on the amount of loss from the commencement of reinstatement date to the date of the expiry of the period of insurance."",""thought"": ""The question references information from the provided financial document. No further information is required from external sources.""}"
"{""Question"": ""What is the procedure for cancellation of the policy according to MS First Capital Insurance Limited?"",""Answer"": ""The company reserves the right to cancel the policy at any time as per policy terms, but in such case this policy shall continue in force only for the benefit of the mortgagees or assignees for 10 days after notice to them of such cancellation. The company also needs to inform the finance company stated in the schedule upon receiving any request or instruction by the insured to cancel the policy, or any material change in policy terms with at least 14 working day notice period before cancellation or any material change in the terms of the policy is made."",""thought"": ""The question arises from the 'Mortgagee Clause' and 'Non-Cancellation' sections in the policy. The answer clearly indicates the company's policies on cancellation and does not necessitate any additional information.""}"
"{""Question"": ""When does the policy expire?"",""Answer"": ""The policy expires on 31st December 2023."",""Thought"": ""The expiry date of the policy is clearly mentioned in the document. No additional information or inference is needed.""},"
"{""Question"": ""What are the special conditions of the insurance regarding leakage of liquids?"",""Answer"": ""The insurance extends to include destruction or damage to the property insured caused by accidental leakage of liquids of any kind from the storage container and/or tank and/or pipes and/or apparatus. However, this extension does not include normal seepage of water."",""thought"": ""The 'Leakage of Liquids' section clearly outlines conditions for damages resulting from accidental leakages, excluding normal seepage of water. This extracted information enabled me to formulate an appropriate response.""},"
"{""Question"": ""How much will the GST rate be in 2024?"",""Answer"": ""The GST rate will be 9% in 2024."",""Thought"": ""To answer this question, I had to check the document for a mention of the GST rate in 2024.""},"
"{""Question"": ""In case of policy cancellation, who is required to provide consent?"", ""Answer"": ""According to the Non-Cancellation Clause, DBS Bank Ltd. needs to provide prior written consent for the policy to be cancelled, altered, or amended."", ""thought"": ""The Non-Cancellation Clause (DBS) stipulates that any changes to the policy such as cancellation, alteration, or amendment need to be consented by DBS Bank Ltd. in writing, hence the answer is DBS Bank Ltd.""},"
"{""Question"": ""What does the policy state about 'Manufacturers Warranties'?"",""Answer"": ""If there is a guarantee or warranty for the insured property by any manufacturer or supplier, and any damage to that property occurs that would otherwise be covered by the policy, Insurers will admit liability for the damage under certain conditions as mentioned in the policy document."",""thought"": ""The answer was found directly in the policy point 17, which fully addresses the warranty topic.""},"
"{  ""Question"": ""What does the policy cover under the Automatic Reinstatement Clause?"",   ""Answer"": ""Under the Automatic Reinstatement Clause, in the event of any loss or damage covered by the policy, the sum insured for the lost or damaged item will be reinstated to the full sum insured, provided that the Insured pays the additional premium calculated from the date of the incident to the expiration date of the insurance period."",   ""thought"": ""The policy document provides a clear explanation of the Automatic Reinstatement Clause, and hence no external information is needed to answer this question.""}"
"{""Question"": ""What is the procedure followed by MS First Capital Insurance to value loss or damage to electronic data processing equipment?"",""Answer"": ""In the context of this insurance, the electronic data processing equipment is valued at the full repair or replacement cost. No deduction for deprecation is made. When the equipment is repaired or replaced by the insured within a reasonable time after the loss, the payment will not exceed the expense to repair or replace the equipment for the same use. If it is not repaired or replaced, the equipment will be valued at the actual cash value on the loss date."",""thought"": ""The insurance company follows a specific approach to determine the value of the loss or damage to the electronic data processing equipment. There is no further information provided in the document regarding the method of determining what constitutes a 'reasonable period of time' after the loss."" },"
"{  ""Question"": ""What is the policy number?"",  ""Answer"": ""The policy number is 10172588."",  ""thought"": ""The policy number is a unique identifier assigned to a policy by an insurance company. In this context, it is clearly mentioned in the document as 10172588.""},"
"{  ""Question"": ""How will the payments made in respect of loss or damage under the terms of this policy affect the owners/lessors specified in the Schedule?"",  ""Answer"": ""Any payment made in respect of loss or damage that is not made good by repair, reinstatement or replacement under the terms of this policy will be made to the owners/lessors as long as they are the owners of the property. Their receipt shall be full and final discharge to the Company in respect of such loss or damage."",  ""thought"": ""This information was directly available in the provided document.""},"
"{  ""Question"": ""What actions must the Insured take in the event of DAMAGE as per the policy guidelines?"",  ""Answer"": ""In case of DAMAGE, the insured is required to: notify the Company immediately; inform the Police Authority if it turns out that the DAMAGE was caused by Malicious Persons; take action to prevent further DAMAGE; provide the Company full information in writing about the property and DAMAGE; give details of other insurances on the property insured within 30 days; provide proofs and information regarding the claim; and if demanded, a statutory declaration of the truth of the claims and any connected matters."",  ""Thought"": ""The requested clarification can be directly answered from the document. As per clause 1(a) in the document, detailed instructions are provided for the actions to be taken by the insured in the event of DAMAGE.""},"
"{""Question"": ""What does the Services Clause in the policy cover?"",""Answer"": ""The Services Clause in the insurance policy extends to include telephone, gas, water, and electric instruments, meters, piping, cabling and similar properties in adjoining yards or roadways or underground, regardless of whether they belong to the insured or other suppliers for which the insured is responsible."", ""thought"": ""The question is directly related to the Services clause in the financial document. My answer is based on the exact information provided in that clause. There is no need for additional information not provided in the document.""},"
"{""Question"": ""What is the policy number?"",""Answer"": ""The policy number is B 300558534 MAR."",""thought"": ""The policy number was explicitly mentioned in the document along with the term 'policy no.', so it is pretty straight forward.""},"
"{""Question"": ""Which company insures the policy?"",""Answer"": ""QBE Insurance (Singapore) Pte Ltd insures the policy."",""thought"": ""The document clearly states that QBE Insurance (Singapore) Pte Ltd is the insurer. The information directly answers the question without requiring additional context.""},"
"{""Question"": ""Does the policy cover costs of removing, nullifying or cleaning up seeping, polluting or contaminating substances?"",""Answer"": ""No, the policy does not include costs of removing, nullifying or cleaning up seeping, polluting or contaminating substances."",""thought"": ""This was straightforward as it was clearly mentioned in the policy.""},"
"{""Question"": ""What is the primary and underlying limit of the insurance policy?"",""Answer"": ""The primary and underlying limit of the insurance policy is USD2,500,000,000 ultimate net loss each and every occurrence for Material Damage and Time Element combined."",""thought"": ""The information for this question is clearly presented in the provided document.""},"
"{ ""Question"": ""Does the policy cover alterations and additions to the property insured?"", ""Answer"": ""Yes, the insurance by this policy extends to cover alterations additions and improvements to the property insured for an amount not exceeding 10% of the corresponding sum insured or S$500,000.00 in the aggregate on the whole Policy whichever is the lower."", ""Thought"": ""The question is derived from the 'Capital Additions' section, which mentions the insurance covers alterations, additions, and improvements to the property insured, within certain limits."" },"
"{""Question"": ""What is covered under the 'Theft Inclusion Clause'?"", ""Answer"": ""The 'Theft Inclusion Clause' states that this insurance covers loss by theft during or after the occurrence of a fire or any other insured peril. But, it doesn't cover theft by employees."", ""thought"": null},"
"{""Question"": ""What does 'Event' refer to, according to the policy document?"",""Answer"": ""The 'Event' refers to any loss or series of losses arising from one occurrence, according to the policy document."",""thought"": ""The question and answer are directly dependent on the information provided in the document. There is no requirement for any other information to answer this question.""}"
"{""Question"": ""What is the Unique Entity Number of Underwriting Agencies of Singapore Pte Ltd?"",""Answer"": ""The Unique Entity No. of Underwriting Agencies of Singapore Pte Ltd is 201612183E."",""thought"": ""The document provides the Unique Entity Number of the Underwriting Agencies of Singapore Pte Ltd as 201612183E.""},"
"{ ""Question"": ""What is the limit for coverage for awnings, blinds, signs or other outdoor fixtures?"", ""Answer"": ""The limit for coverage for awnings, blinds, signs or other outdoor fixtures is S$10,000.00."", ""Thought"": ""This question is generated from the section 'F18. Awnings, Blinds, Signs And Outdoor Fixtures'. According to this clause, the policy extends to cover awnings, blinds, signs, or other outdoor fixtures up to a limit of S$10,000.00."" },"
"{  ""Question"": ""What is the limit for the Cost of Re-Erection Clause?"",  ""Answer"": ""The limit for the Cost of Re-Erection Clause is SGD2,500."",  ""Thought"": ""The limit for the Cost of Re-Erection Clause is explicitly listed in the document provided. No additional information required.""}"
"{""Question"": ""What actions does the insured need to take in the event of a loss or damage, according to claims conditions?"",""Answer"": ""In the event of any loss or damage, the insured should notify the company immediately, deliver full details of the loss or damage to the company within 7 days, and carry out any action which may be practicable to minimize or check any interruption of or interference with the business or to avoid or diminish the loss. If a claim is being made under this policy, the insured should deliver to the company in writing particulars of his claim within 30 days after the expiry of the Indemnity Period, provide details of all other insurances covering the property, and provide necessary documents and proofs as might be required by the company."",""thought"": ""Based on the information given, the insured needs to take several actions in the event of a loss or damage for a claim to be made. If any of these conditions are not met, the claim may not be payable.""}"
"{""Question"": ""What is the policy number mentioned in the document?"",""Answer"": ""The policy number mentioned in the document is 2022-F0250513-IAR-R001."",""thought"": ""The policy number is clearly mentioned in the 'Policy Information' section of the document. It is 2022-F0250513-IAR-R001.""},"
"{  ""Question"": ""What are the added elements covered under the policy apart from the property insured?"",  ""Answer"": ""This Insurance extends to cover Time Element and Extra Expense consequent upon the loss of or damage to the Property insured."",  ""thought"": ""This information was gathered from Addendum No.1 which specifically mentions the extra elements covered by the insurance.""}"
"{  ""Question"": ""What is the insurance coverage for Boiler and/or Vessel (Boiler Explosion) and Business Interruption as stated in the policy?"",  ""Answer"": ""The policy will provide an insurance coverage or indemnity for damage to any boiler, economizer and/or pressure vessel, including mountings, fittings, pipes, valves and other apparatus thereof or thereon (referred to as the 'Plant'), caused by or arising out of the Explosion or Collapse of such Plant. Also, the policy covers loss resulting from interruption of or interference with the Business in consequence of such destruction or damage. The limit for each one loss per risk location is SGD 6,000,000."",  ""thought"": ""This was a longer description to interpret, it covered not only the damage to the boiler, valves etc. but also consequential damage related to business interruption due to destruction or damage. The specific limit amount for insurance coverage was also mentioned in the documentation.""},"
"{""Question"": ""Which Insurance company is this policy under and what is the risk number?"",""Answer"": ""The policy is under Great Eastern General Insurance Limited and the risk number is 1"",""thought"": ""For insurance company, the information 'Great Eastern General Insurance Limited' was present in the document under the company's name and heading. For risk number, the information was present in the 'Risk Number: 1' part of the document. It didn't redirect to any other source.""},"
"{""Question"": ""What clause ensures the policy is not invalidated due to a change of occupancy or increase in risk?"",""Answer"": ""The Non-Invalidation clause. It states that the insurance will not be invalidated by any change of occupancy or increase of risk happening in the insured property without the Insured’s knowledge, provided they advise the Company and pay any additional premium required from the date of such increase of risk."",""thought"": ""Used the 'Non-Invalidation' section from the financial document to generate this pair of question and answer. No additional documents were necessary.""},"
"{""Question"": ""What does the clause 'Accidental Leakage or Spillage Endorsement' cover?"",""Answer"": ""The 'Accidental Leakage or Spillage Endorsement' clause extends the insurance coverage to include loss, damage or destruction of insured property by accidental leakage or spillage of any gas, vapour, liquid (other than water) or molten material caused by a peril insured. However, it doesn't cover costs of rectifying the fault which permitted the leakage or spillage, costs of removing or cleaning up seeping substances, loss or damage to goods in transit, during the course of repairs, or to that unit of plant, machinery or apparatus from which any substance escaped or leaked."",""thought"": ""This clause clearly states the insurer will cover damages caused by accidental spillage or leakage, but it also highlights numerous exceptions. It does not cover the costs of rectifying the core issue that caused the leakage or spillage or cleaning up the substances. Neither does it cover loss or damage during transit periods or repair periods.""}"
"{""Question"": ""What is the duration of the insurance policy?"",""Answer"": ""The duration of the insurance policy is from 01/04/2023 to 31/03/2024."",""thought"": ""The duration of the insurance policy is listed under 'PERIOD OF INSURANCE'. No need to further check the document.""},"
"{""Question"": ""Is the policy covering damage caused by a communicable disease?"",  ""Answer"": ""No"", ""thought"": ""The document mentions in the 'COMMUNICABLE DISEASE EXCLUSION - LMA 5397' section that the insurance does not insure any loss, damage, claim, cost or expense of any nature that is directly or indirectly caused by a communicable disease or the fear or threat of a communicable disease.""}, "
"{""Question"": ""What is the limitation scenario where the company is not liable to pay any claim or provide any benefit?"",""Answer"": ""The Company shall not be liable to pay any claim or provide any benefit to the extent that it would expose the Company to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America."",""thought"": ""The policy mentions specific cases in which the Company is not obliged to pay any claim or provide any benefit - these involve instances where doing so would risk exposure to sanctions or restrictions. This question is fully answered within the provided document.""}"
"{""Question"": ""What is the type of the insured business?"",""Answer"": ""Hotelier"",""Thought"": ""The type of business is directly stated in the document.""},"
"{""Question"": ""Who is the insured party in this case?"",""Answer"": ""The insured party is Aqua Water Property Pte. Ltd. (in Its Capacity as Trust- Manager Of Aqua Well) as Owner/Borrower and/or DBS Bank Ltd as Mortgagee / Security Agent. United Overseas Bank Limited as Facility Agent."",""Thought"": ""The insured party was listed in the provided text, so I did not need to infer or use outside information to answer this question.""},"
"{""Question"": ""Who is the insurance group that MS First Capital Insurance Limited is a member of?"",""Answer"": ""MS First Capital Insurance Limited is a member of the MS&AD INSURANCE GROUP."",""Thought"": ""The document provides this information at the bottom of the page.""},"
"{""Question"": ""What is the nature of the insured business?"",""Answer"": ""The insured business is manufacture of plastic sheet, film, and articles thereof such as polythene and polypropylene bags."",""thought"": ""The profile of the business is specified in the document and does not require any additional information from outside sources.""},"
"{""Question"": ""What are the sum insured for each of the properties?"",""Answer"": ""Emulsion Service Tank 20 cubic meter: SGD20,000, MechTEK 400 Cold Mix Plant: SGD180,000, Unibatch 300 Asphalt Batching Plant: SGD1,900,000"",""thought"": ""The total insured sums for each of the insured items are listed under the 'Sum Insured' section.""}"
"{""Question"": ""Who are the approved adjusters for this policy?"",""Answer"": ""The approved adjusters for this policy are Crawford & Co. International Pte Ltd, McLarens Singapore Pte Ltd and Sedgwick Singapore Pte Ltd."",""thought"": ""This piece of information is provided directly in the document under the 'Approved Adjusters Clause'.""},"
"{""Question"": ""Who are the approved adjusters stated in the policy?"",""Answer"": ""The panel of approved adjusters include Crawford & Co. International Pte Ltd, McLarens Singapore Pte Ltd, and Sedgwick Singapore Pte Ltd."",""thought"": ""No additional information was required for this response as the panel of adjusters was clearly stated in the given financial information.""},"
"{ ""Question"": ""Does the policy cover any damage caused by fraudulent or dishonest acts by the insured's employees?"", ""Answer"": ""No, the policy does not cover any damage caused by fraudulent or dishonest acts by the insured's employees. However, it does not exclude such damage which itself results from a Defined Peril."", ""thought"": ""This information is found under exclusion 2.2 in the document. There is a specific clause mentioning fraudulent acts by the employees and the relevant exclusions.""}"
"{""Question"": ""What is the period of insurance for the provided policy?"",""Answer"": ""The period of insurance for the provided policy is from 01/01/2023 to 31/12/2023."",""thought"": ""The period of insurance can be found directly in the document under the 'Period of Insurance' section. No additional information is needed.""},"
"{""Question"": ""What is the total sum insured for machine code MK-04TM?"",""Answer"": ""The total sum insured for machine code MK-04TM is SGD3,744,235.28."",""thought"": ""The answer was retrieved directly from the financial information provided. The relevant piece of insurance policy provides the sum insured for the given machine code.""},"
"{""Question"": ""What are the limits of the Cost of re-writing and recompiling records clauses?"",""Answer"": ""The limits for both the Cost of re-writing records clause and the Cost of recompiling records and preparing claims clause are S$500,000."",""Thought"": ""The limits for these clauses were given directly in the financial information.""},"
"{  ""Question"": ""What is the policy type mentioned in the document?"",  ""Answer"": ""The policy type mentioned in the document is Mortgage Interest - Corp."",  ""thought"": ""The policy type is directly given in the document, no other information or document is needed to find it out.""},"
"{""Question"": ""What is Income's maximum liability for costs of temporary protection?"",""Answer"": ""Income's total liability during any one period of insurance for all such costs shall be limited to S$5,000.00."",""Thought"": ""This is stated under section '12. COST OF TEMPORARY PROTECTION'. The section provides clear information on the maximum amount Income will provide for temporary protection costs.""},"
"{""Question"": ""What is the insured expected to do in the event of any excavations near the property insured?"", ""Answer"": ""The Insured is required to notify the insurance company immediately of any excavations that are to commence beneath, around, or in the vicinity of the insured property."", ""thought"": null}, "
"{""Question"": ""What is the insured sum?"",""Answer"": ""$11,250,000.00 SGD"",""thought"": ""This information was found under the Interest Insured Sum Insured (SGD) section. No additional information was required.""},"
"{""Question"": ""What is the excess limit for damage to Garden Shrubs, Plants & Trees?"",""Answer"": ""The excess limit for damage to Garden Shrubs, Plants & Trees is SGD1,000."",""thought"": ""The answer was directly available in the given financial information.""},"
"{""Question"": ""What is the sum insured for the EPB3000AB Tunneling Machine (M-02344M)?"",""Answer"": ""The sum insured for the EPB3000AB Tunneling Machine (M-02344M) is SGD3,000,000."",""thought"": ""The sum insured for EPB3000AB Tunneling Machine (M-02344M) was directly mentioned under the risk number 3 section in the provided financial document.""},"
"{""Question"": ""What is the period of insurance?"",""Answer"": ""01/06/2022 to 31/05/2023"",""thought"": ""The period of insurance is specified under the 'Period of Insurance'.""},"
"{""Question"": ""Will the insured be covered for any additional increased cost of working?"",""Answer"": ""Yes, the insured will be covered for an additional increased cost of working up to 1,000,000.00 SGD."",""thought"": ""Additional increased cost of working was mentioned in the document with the specified amount.""},"
"{""Question"": ""What is the policy for unoccupied properties?"",""Answer"": ""The policy extends to cover the risk locations when they are left untenanted and/or unoccupied."",""thought"": ""The relevant information can be found in clause 28 of the policy. No additional information required for this question.""},"
"{""Question"": ""Does the policy cover goods belonging to the insured's customers while at the premises?"",""Answer"": ""Yes, the policy extends to cover goods belonging to the insured's customers while on the premises as long as such items are not otherwise insured."",""Thought"": ""The 'Customers' Goods Clause' provides the information that the insured's customers' goods are covered under this policy when they're at the premises.""},"
"{""Question"": ""Are losses or damages caused by radioactive material covered by this policy?"",""Answer"": ""No, the policy does not cover losses or damages caused by radioactive material, except radioactive isotopes when such isotopes are on the property insured and are being prepared, stored or used in the normal course of operations by the insured for commercial, agricultural, medical, scientific, or other similar peaceful purposes."",""Thought"": ""The document mentions in section 1(b)(iv) that damages from radioactive materials are generally not covered, but a careful reading reveals that there is an exception for certain isotopes being used for particular purposes detailed in the document.""}"
"{   ""Question"": ""What situations lead to a valid claim under the Closure of Premises Clause?"",   ""Answer"": ""Under the Closure of Premises Clause, a valid claim can be made in situations including murder or suicide occurring at the premises, injury or illness due to foreign matter in food or drink provided at the premises, discovery of infestation of pests or vermin and an accident causing sudden and immediate defects in drainage and/or sanitary arrangements or release of toxic substance at the Premises."",   ""Thought"": ""The document clearly mentions the conditions that lead to a valid claim under the Closure of Premises Clause. No additional information is required to answer this question.""},"
"{""Question"": ""What is the policy number of the industrial all risks provided?"",""Answer"": ""The policy number is 2022-F0250513-IAR-R001."",""thought"": ""The policy number was directly given in the document.""},"
"{""Question"": ""What does the financial document define as a 'Cyber Act'?"",""Answer"": ""Cyber Act means 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 question directly asks for a definition provided in the text. There are no requirements for external information.""}"
"{""Question"": ""What is the contact number for the claims & Motor Underwriting Dept of MS First Capital Insurance Limited?"",""Answer"": ""The contact number for the claims & Motor Underwriting Dept of MS First Capital Insurance Limited is (65) 6507 3848."",""thought"": ""The question and answer simply require the information directly provided in the document. No other information is needed.""}"
"{""Question"": ""What is the company name of the provided financial document?"",""Answer"": ""MS First Capital Insurance Limited"",""thought"": ""The company name is found in the beginning of the given document.""},"
"{""Question"": ""What is the policy number?"", ""Answer"": ""2022-F0250513-IAR-R001"", ""thought"": ""The policy number is explicitly stated in the document and hence, doesn't need to source information outside the document."" },"
"{""Question"": ""Who bears the burden of proving that damage is covered under the policy in case of a dispute?"",""Answer"": ""In any action suit or other proceedings where the Company alleges that by reason of the provisions of the exclusion any DAMAGE is not covered by this policy the burden of proving that such DAMAGE is covered shall be upon the Insured."",""thought"": ""The given details were directly present in the document, stating the obligations of the insurance holder during a dispute or claim.""},"
"{""Question"": ""What is the proportion covered by Zurich Insurance Company Ltd Singapore Branch?"",""Answer"": ""The document does not provide information on the proportion covered by Zurich Insurance Company Ltd Singapore Branch"",""thought"": ""Zurich Insurance Company Ltd Singapore Branch is mentioned in the document but the percentage they cover is not provided. We need more information to answer this question.""}"
"{""Question"": ""What happens when the insurance policy is terminated by either the insurer or insured?"",""Answer"": ""If the insurance is terminated by the insurer, the insurer is liable to repay a ratable proportion of the premium for the unexpired term from the date of cancellation. However, if the insurance is terminated at the request of the Insured, the insurer will not be liable to repay the premium or any part of it except in so far as the insurance applies to stocks with respect to which the insurer retains a premium calculated according to its customary short period scale for the time the insurance has been in force."",""thought"":  ""There isn't more information needed for this question.""},"
"{""Question"": ""Can the insurance policy be cancelled, terminated, altered, or amended without the consent of any party?"",""Answer"": ""This Policy cannot be cancelled, terminated, altered or amended without the prior written consent of DBS Bank Ltd."",""thought"": ""It's explicitly stated in the 'Non-Cancellation Clause (DBS)' that the insurance policy cannot undergo changes or be dismissed without the written approval from DBS Bank Ltd. This conditionality indicates that DBS Bank Ltd holds significant authority over the policy.""},"
"{""Question"": ""Under what conditions may the policy be cancelled by the insured?"",""Answer"": ""The policy may be cancelled by the insured by giving written notice to the insurers not less than ninety (90) days prior to such cancellation, for any of the following reasons: The financial rating of the insurer(s) has been downgraded to below A- by Standard & Poor's or A,M. Best, Bankruptcy, insolvency, liquidation or voluntary or enforced receivership of the insured, where permitted by law or statue or, Any change in law rendering this contract illegal."",""Thought"": ""The document clearly outlines the conditions for policy cancellation. I based my answer on these stipulations.""}, "
"{""Question"": ""What does the incurred loss ratio represent?"",""Answer"": ""The incurred loss ratio represents the incurred losses at the date of annual assessment from the period from 1st Aug to 31st July, divided by the twelve month annual premium."",""Thought"": ""The answer is taken directly from the provided document.""},"
"{    ""Question"": ""Will loss caused by war or foreign invasions be covered under this policy?"",    ""Answer"": ""No, the policy does not cover loss caused by war, invasion, act of foreign enemy or warlike operations."",    ""Thought"": ""The answer is based on the given information, no extra information is required.""  },  "
"{""Question"": ""Who is authorised to sign on the policy and endorsement?"",""Answer"": ""The Leading Co-insurer, Zurich Insurance Company Ltd (Singapore Branch), has been duly authorized to sign on the policy and endorsement."",""thought"": ""The document has explicitly stated who is authorised to sign the policy and endorsement.""},"
"{""Question"": ""What is the meaning of 'Rate of Gross Profit', 'Annual Turnover', 'Standard Turnover' and 'Rate of Wages' as per the New Business Clause?"",""Answer"": ""'Rate of Gross Profit' refers to the rate of Gross Profit earned on the turnover during the period between the start of the Business and the date of the Damage. 'Annual Turnover' refers to the proportional equivalent, for a period of twelve months, of the turnover realised during the period between the start of the Business and the date of the Damage. 'Standard Turnover' refers to the proportional equivalent, for a period equal to the Indemnity Period, of the Turnover realised during the period between the start of the Business and the date of the Damage. 'Rate of Wages' refers to the amount to which adjustments shall be made as may be necessary to provide for the trend of the Business and for variations or special circumstances affecting the Business either before or after the Damage."",""thought"": ""This information directly comes from the 'New Business Clause' and it explains how certain financial terms are defined in the context of a new business which has not yet completed its first year of trading.""}"
"{""Question"":""What is the premium for the insurance policy number B 300558534 MAR?"",""Answer"":""The premium for the insurance policy number B 300558534 MAR is SGD99,465.59."",""thought"":""The premium amount is stated clearly given right after the 'Premium' in the document.""}"
"{""Question"": ""What is the policy number for this insurance?"",""Answer"": ""The policy number for this insurance is 2022-F0181370-IAR."",""Thought"": ""The policy number was mentioned in the text, so no additional information was needed to answer this question.""},"
"{""Question"": ""What is the policy's stance on claims relating to Cyber Loss?"",""Answer"": ""The policy excludes any Cyber Loss, which includes any loss, damage, liability, claim, cost or expense directly or indirectly caused by, contributed to by a Cyber Act or Cyber Incident. This also applies to actions taken in controlling, preventing, suppressing or remediating any Cyber Act or Cyber Incident."",""thought"": ""The policy appears to clearly exclude anything related to Cyber Loss from coverage. Cyber Loss itself is broadly defined to include any loss resulting from Cyber Acts or Cyber Incidents, and it even includes losses related to actions taken in response to such acts or incidents.""}"
"{""Question"": ""What happens if a change or variation of risk occurs?"",""Answer"": ""The officer(s) of the insured responsible for insurance are expected to inform the insurers about any such change or variation as soon as it is reasonably practicable. The insured may be required to pay a reasonable additional premium from the date of any such change or variation of risk."",""Thought"": ""This information lies under the provision about alterations in risk in the document. No further information provided about the specifics of what constitutes a 'change or variation of risk', additional details may be present in the rest of the policy not included in this document extract.""}[    "
"{""Question"": ""What type of occupation is the insurance policy covering for?"",""Answer"": ""Condominium - Owner/Occupier"",""Thought"": ""The document states the business or occupation covered by the insurance policy.""},"
"{  ""Question"": ""What does the Automatic Sprinkler Leakage Endorsement cover?"",  ""Answer"": ""The Automatic Sprinkler Leakage Endorsement insures against loss or damage to the insured property by water discharged or leaking from any automatic sprinkler installation. It also covers the cost of water removal and cleaning operations incidental thereto, provided that the water discharge or leakage is accidental."",  ""thought"": ""The details of the Automatic Sprinkler Leakage Endorsement are clearly stated in the document. The endorsement covers damages from water leakage or discharge, provided it is accidental.""},"
"{""Question"": ""What are the conditions for the Insured to follow under F11. Sprinkler Leakage policy if there is any discharge or leakage from the Installation?"",""Answer"": ""If a discharge or leakage occurs from the Installation, the Insured must take all practical measures to save and protect the insured property. If any changes, repairs or alterations are to be made to the Automatic Sprinkler Installation, the Insured must give a written notice to the Company and obtain their written permission."",""thought"": ""The document provides conditions that the Insured must follow in case of a leakage. However, there is no information about the consequences if these conditions are not met.""},"
"{""Question"": ""What is the policy number of the fire insurance?"",""Answer"": ""The policy number of the fire insurance is 5135735442."",""thought"": ""The policy number was clearly mentioned at the beginning of the information provided.""},"
"{""Question"": ""What is the maximum coverage amount for reimbursement of Auditor’s Fees according to the Policy?"",""Answer"": ""The policy provides coverage for Auditor's Fees and other investigation costs, with the maximum limit being SGD50,000.00."",""thought"": ""The maximum coverage amount for reimbursement of Auditor’s Fees is clearly defined in the 'Other Extensions' section of the provided document, which eliminates the need for any additional information.""}"
"{  ""Question"": ""What type of loss if occured to computer hardware and other fragile items defined in the document?"",  ""Answer"": ""The document states that CONSEQUENTIAL LOSS in respect of computers or data processing equipment, fixed glass, glass (other than fixed glass), china, earthenware, marble or other fragile or brittle objects, is to be considered unless such a loss is caused by a defined peril and it is not otherwise excluded."",  ""Thought"": ""The document specifies different types of computer equipment and fragile items that can be potentially damaged, leading to CONSEQUENTIAL LOSS. However, it doesn't make any specific mentioning about the compensation or insurance coverage for such losses.""},"
"{""Question"": ""What does the 'Electrical Installation Clause B' cover?"",""Answer"": ""The 'Electrical Installation Clause B' covers loss or damage by fire to the electrical appliances and installation insured by the policy, arising from or occasioned by overrunning, excessive pressure, short-circuiting, arcing, self-heating or leakage of electricity, from whatever cause including lightning."",""Thought"": ""The specific 'Electrical Installation Clause B' describes the conditions under which the insurance covers damage related to electrical installations and appliances.""},"
"{""Question"": ""What is the company's maximum liability under the escalation clause?"",""Answer"": ""The company's maximum liability under the escalation clause is 10% of the value by Item most recently declared and endorsed for insurance under the Policy prior to application of this coverage extension."",""thought"": ""The policy schedule specifies the maximum liability under the escalation clause. No additional externally sourced information is required.""},"
"{""Question"": ""Are there any conditions under which coverage applies in the Excluded Territories?"",""Answer"": ""Coverage can apply in the Excluded Territories if it is required to be provided by the insurer by law or regulation applicable to the insurer."",""Thought"": ""This information was specified in the clause following the list of excluded territories.""},"
"{""Question"": ""What is the registration number of MS First Capital Insurance Limited?"",""Answer"": ""195000106C"",""thought"": ""The registration number found directly in the financial document""},"
"{  ""Question"": ""Where will the seat of arbitration be?"",   ""Answer"": ""The seat of arbitration will be Singapore."",   ""thought"": ""The location of the arbitraion is specified in the document.""},"
"{""Question"": ""What is the policy number of the Insured?"",""Answer"": ""The policy number of the Insured is D-23023966FAIR/9."",""thought"": ""The policy number was directly mentioned in the provided document.""},"
"{""Question"": ""What is the policy number?"",""Answer"": ""The policy number is 2023-F0235604-FRC-E001."",""Thought"": ""The 'Policy No.' under 'POLICY INFORMATION' mentions the number as 2023-F0235604-FRC-E001.""}"
"{ ""Question"": ""What is meant by the term 'Defined Peril'?"", ""Answer"": ""'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 labor 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' was clearly outlined in the document, therefore, no additional guesswork or redirection to further information was needed.""},"
"{""Question"": ""Are loss adjustments made under the policy?"", ""Answer"": ""Yes, any loss under the Policy will be assessed by an Assessor mutually agreed upon."", ""Thought"": ""The document states that losses will be assessed by an Assessor. Therefore, there are loss adjustments made under the policy.""},"
"{""Question"": ""Is the insurance company relieved of any liability during temporary dispossession?"",""Answer"": ""The Company is not relieved of any liability to the Insured in respect of physical damage to the property insured occurring before dispossession or during temporary dispossession which is otherwise covered by this Policy."",""thought"": ""This information is provided in section (c)(ii).""},"
"{""Question"": ""What is the year of manufacture of MK-05TM?"",""Answer"": ""The year of manufacture for MK-05TM is 2021."",""thought"": ""Direct information available in the document.""}, "
"{  ""Question"": ""What does the term 'Contents' include under this policy?"",  ""Answer"": ""The term 'Contents' includes money and stamps not exceeding S$1,000.00, documents and business books not exceeding S$1,000.00 per item, computer system records not exceeding S$2,500.00, patterns, models, moulds, plans and designs not exceeding S$1,000.00 per item, and employees' personal effects not exceeding S$500.00 per employee"",  ""thought"": ""All the information is directly mentioned under the '1. ALL OTHER CONTENTS' section of the document.""},"
"{""Question"": ""What is the registered address of MS First Capital Insurance Limited?"",""Answer"": ""The registered address of MS First Capital Insurance Limited is 6 Raffles Quay #21-00 Singapore 048580."",""Thought"": ""The financial document provides the registered address of MS First Capital Insurance Limited. Information regarding any other address or location is not present in the given document.""}"
"{""Question"": ""Does the insurance cover damage from an act committed in connection with occurrence in Special Condition 6 of the Riot and Strike Endorsement?"",""Answer"": ""No, the insurance does not cover damage from an act committed in connection with an occurrence in Special Condition 6 of the Riot and Strike Endorsement."",""thought"": ""The document mentions that MALICIOUS DAMAGE does not include acts committed in connection with occurrences mentioned in the Special Condition 6 of Riot and Strike Endorsement.""},"
"{""Question"": ""What is the basis of settlement?"",""Answer"": ""The basis of settlement is the Market Value."",""thought"": ""The textual document mentions that the basis of settlement is Market Value. There is no more information on this topic in the document.""},"
"{  ""Question"": ""What is the contact information for the claims & Motor Underwriting Department of MS First Capital Insurance Limited?"",  ""Answer"": ""The Claims & Motor Underwriting Department of MS First Capital Insurance Limited is located at 16 Raffles Quay #42-01 Hong Leong Building, Singapore 048581. Their contact phone number is (65) 6507 3848 and their fax number is (65) 6507 3849."",  ""thought"": ""The document provides clear contact information of the Claims & Motor Underwriting Department of MS First Capital Insurance Limited.""}"
"{""Question"": ""What is the limit stated under the Temporary Repairs Clause in the policy?"",""Answer"": ""The limit stated under the Temporary Repairs Clause in the policy is S$5,000/- in aggregate."",""thought"": ""The temporary repairs clause details in the provided policy information indicate a limit of S$5,000. This sum is the maximum amount that the policy will cover for temporary repair costs incurred to safeguard and protect pending repair and/or replacement of the insured interests.""},"
"{""Question"": ""What is the maximum liability of the Company under F11. Sprinkler Leakage?"",""Answer"": ""Under the F11. Sprinkler Leakage policy, the maximum liability of the Company is S$500,000.00 or 25% of the sum insured, whichever is the lesser."",""thought"": ""The maximum liability amount is given explicitly in the document. There is no further information needed to answer this question.""},"
"{""Question"": ""What is the procedure in place for immediate repairs?"",""Answer"": ""In the event of Damage, the Insured if they decide to, may immediately begin repairs or reconstruction. But such work shall always be open to supervision by the Insurers. In case of dispute as to the cost of repair and/or reconstruction, the loss shall be settled in accordance with the terms of the Policy."",""thought"": ""The text clearly explains what is to be done for immediate repairs. It specifies that repair work can begin immediately, but it should always be open for supervision by the insurers, and in case of disputed costs, losses will be settled as per policy terms."" },"
"{  ""Question"": ""Which organization will administer the arbitration process?"",   ""Answer"": ""The Singapore International Arbitration Centre (SIAC) will administer the arbitration process."",   ""thought"": ""The answer is clearly mentioned in the document.""},"
"{""Question"": ""What is the excess for leakage of liquids under policy F41?"",""Answer"": ""The excess for leakage of liquids under policy F41 is S$500.00."",""thought"": ""The excess was mentioned directly under the details of the F41 policy.""},"
"{""Question"": ""What does the Capital Additions Clause mean in terms of insuring property changes?"",""Answer"": ""The insurance extends to include alterations, additions and improvements to property specified in the Schedule for an amount not exceeding 10% of the Sum(s) Insured or $500,000 whichever is less."",""thought"": ""The given document mentions that the insurance will cover alterations, additions and improvements to the property up to 10% of the Sum Insured or $500,000 whichever is less. This means if there are any changes in the property, these will be covered by insurance up to a certain limit. No additional information is necessary.""}"
"{""Question"": ""What does the policy cover under 'Extended Flood'?"",""Answer"": ""The policy covers loss or damage to the property insured directly caused by flood, including overflowing or deviation from the normal channels of either natural or artificial water courses, bursting or overflowing of public water mains and any other flow or accumulation of water originating from outside the building insured or containing the property insured. However, the policy excludes damage by flood due to certain natural disasters, subsidence or landslip, damage to fences or gates, and goods in the open or in transit."",""thought"": ""The information about what is covered and what is not covered under 'Extended Flood' is directly provided in the document.""},"
"{""Question"": ""What is considered as a 'Computer System' according to the document?"",""Answer"": ""A 'Computer System' is referred to as any computer, hardware, software, communications system, electronic device (including, but not limited to, smartphone, laptop, tablet, wearable device), server, cloud, or microcontroller including any similar system or any configuration of the aforementioned, also inclusive of any associated input, output, data storage device, networking equipment or backup facility that is owned or operated by the Insured or any other party."",""thought"": ""The description of 'Computer System' is explicitly provided in the document, therefore there's no need to seek additional information.""},"
"{""Question"": ""Does the policy insure any amount pertaining to the value of lost electronic data?"",""Answer"": ""No, the policy does not insure any amount pertaining to the value of such electronic data to the assured or any other party, even if such electronic data cannot be recreated, gathered or assembled."",""thought"": ""The document explicitly states that the policy does not cover any amount related to the value of lost electronic data. This remains true even if the data cannot be recreated, gathered or assembled.""}"
"{""Question"": ""What does the Extra Cost of Reinstatement policy cover?"",""Answer"": ""The Extra Cost of Reinstatement policy covers the extra cost of reinstatement (including demolition or dismantling) of damaged Property Insured necessarily incurred to comply with any Act of Parliament or Regulation or any by-law or Regulation of any Municipal or other Statutory Authority; subject to the provisions and terms, conditions and exceptions of the Policy."",""thought"": ""The answer is directly drawn from the financial information without requiring any external redirection.""},"
"{  ""Question"": ""Does the 'building' item also include tenants' fixed improvements and alterations for which the Insured is legally responsible?"",  ""Answer"": ""Yes, if the Insured has interest as a landlord in this insurance, the 'Building' item includes tenants' fixed improvements and alterations for which the Insured is legally responsible."",  ""thought"": ""The document paragraph 41 clearly provides this information.""  }"
"{""Question"": ""Does this policy cover loss or damage caused by earthquake or volcanic eruption?"",""Answer"": ""Yes, loss or damage caused by subsidence or landslip occasioned by earthquake or volcanic eruption is covered, provided that these perils are insured against by this Policy."",""Thought"": ""The document specifies that damages caused by earthquake or volcanic eruption are covered by the policy.""},"
"{""Question"": ""What will be the company's liability with regards to loss or damage?"",""Answer"": ""The company's liability is understood and agreed to be limited to its ratable proportion of the amount by which such loss or damage exceeds either 1% of the total sums insured against such peril on said building by Policies in the name of the Insured, or S$200, whichever is less."",""Thought"": ""The document provides explicit information regarding the company's liability for any loss or damage.""},"
"{""Question"": ""What does the Errors and Omissions Clause specify?"",""Answer"": ""The Errors and Omissions Clause specifies that the insurance will not be invalidated due to any omissions or errors in reporting values by the insured. However, if any error comes to the attention of the insured, such fact should be reported immediately."",""Thought"": ""The 'Errors and Omissions Clause' details that insurance is still valid even if there are any omissions or mistakes while reporting values. However, it also underlines the importance of the insured reporting any discovered errors on their end.""}"
"{""Question"": ""What is the insurance policy's stance on damage caused by sonic boom?"",""Answer"": ""The insurance policy covers Physical Loss to Insured Property caused directly by sonic boom. However, it will not pay for Deductible of the first S$500.00 of each loss payable under this coverage extension."",""thought"": ""N/A""},"
"{  ""Question"": ""What is the Policy Number for this INDUSTRIAL ALL RISKS insurance?"",  ""Answer"": ""The policy number is 2022-F0250513-IAR-R001."",  ""Thought"": ""The policy number is clearly mentioned in the document, hence no additional information is required.""}"
"{""Question"": ""What is the value of the Contents/Plants and Equipments at Situation 6?"",""Answer"": ""The value of the Contents/Plants and Equipments at Situation 6 is SGD250,000."",""thought"": ""This amount was found in the 'Material Damage' section under 'Contents/Plants and Equipments' for Situation 6.""},"
"{""Question"": ""Is loss or damage caused directly or indirectly by Political Risks like confiscation, nationalization, commandeering or requisition by any lawfully constituted authority covered under this insurance policy?"", ""Answer"": ""No, the insurance does not cover loss or damage occasioned directly or indirectly by or through or in consequence of any Political Risks like confiscation, nationalization, commandeering, or requisition by any lawfully constituted authority."",""thought"": ""The policy clearly mentions that damages related to political risks are not included under the insurance coverage. No other data required for this Q&A.""}"
"{""Question"": ""What is the total due amount?"", ""Answer"": ""SGD 10,065.00"", ""thought"": ""The total due amount is clearly stated in the document.""}"
"{""Question"": ""What exclusions are mentioned in the policy?"",""Answer"": ""The policy mentions several exclusions such as Property Cyber and Data Exclusion, Electronic Equipment and/or Device Exclusion, Political Risks Exclusion, Seepage and Pollution Exclusion Clause, Transmission and Distribution Lines Exclusion, War and Terrorism Exclusion."",""Thought"": ""Each of the mentioned exclusions are directly mentioned under the policy information in the provided document.""},"
"{""Question"": ""In case of destruction or damage of insured property, who will the company pay?"",""Answer"": ""The Company will pay an amount to the mortgagee(s) whose interest(s) is/are stated in the policy."",""thought"": ""The policy clearly mentions that the payment after destruction or damage of insured property would go to the mortgagee(s). However, specific names or identity of the mortgagee(s) have not been specified in the document.""},"
"{""Question"": ""What are the specific exclusions for the damage to any Plant?"",""Answer"": ""The specific exclusions for the damage to any Plant include situations where, at the time of the damage: (a) the load on the safety valve(s) upon the particular item of Plant was in excess of that permitted by the latest certificate issued in accordance with any Statute or Regulation there under applicable thereto; (b) any safety valve limiting the pressure is removed or rendered inoperative; (c) such Plant has not been duly certified where certificates of inspection are required by any Statute or Regulation there under; (d) or such Plant is undergoing the application of any hydraulic test and the damage is occasioned thereby."",""thought"": ""The specific exclusions are stated within the document. It's important to note these as they describe situations and conditions under which the insurance policy does not apply.""}"
"{""Question"": ""What does the company ensure under the indicated indemnity?"",""Answer"": ""In case a building or other property used by the insured for the business purpose gets lost, destroyed, or damaged, and that leads to interruption or interference with the business, the company will pay to the insured the amount of loss resulting from such interruption or interference following the set conditions, exclusions, and policy terms."",""Thought"": ""The information about the scope of the company's indemnity was included in the given document. No further resources were needed.""},"
"{""Question"": ""What happens if a vehicle from the insured is left loaded overnight on the premises? "",""Answer"": ""If any of the insured's vehicles are left loaded overnight while in and/or on the premises, the insurers will indemnify the insured in respect of such load in the event of Damage."", ""thought"": ""The document clearly states that in the scenario where the insured's vehicle is left loaded overnight at the premises, the insurer will provide indemnity to the insured for any damage that occurs to such load.""},"
"{""Question"": ""What is the policy number for this insurance?"",""Answer"": ""The policy number is 8-F0001208-FFF-R014."",""thought"": ""The policy number was clearly specified in the policy schedule. There was no need for additional information.""},"
"{""Question"": ""What is the definition of 'ultimate net loss' as per this policy?"",""Answer"": ""The 'ultimate net loss' as per this policy refers to the loss sustained by the Insured as a result of the happening of the perils insured against by this Policy, limited by any sub-limits contained within this Policy or the Primary and Underlying Excess Insurance of the Primary and/or Underlying Excess Insurers, and making deductions for all salvages, recoveries and other insurances (other than recoveries under the Primary and Underlying Excess Insurance of the Primary and Underlying Excess Insurers)."",""thought"": ""By reading the definition part, I was able to retrieve information on 'ultimate net loss'.""}"
"{""Question"": ""What is the total sum insured under 'RISK NUMBER 2 : Section 2 : Loss of Profits'?"",""Answer"": ""The total sum insured under 'RISK NUMBER 2 : Section 2 : Loss of Profits' is SGD83,300,000."",""Thought"": ""The information is directly stated under 'RISK NUMBER 2 : Section 2 : Loss of Profits' part of the document.""  },"
"{  ""Question"": ""What is considered as 'Electronic Data' in the policy?"",  ""Answer"": ""Electronic data means facts, concepts, and information converted to a form usable for communications, interpretation, or processing by electronic and electromechanical data processing or electronically controlled equipment and includes programs, software and other coded instructions for the processing and manipulation of data or the direction and manipulation of such equipment."",  ""thought"": ""This information directly corresponds to the given information.""  },"
"{    ""Question"":""What type of policy is it?"",    ""Answer"":""CONTRACTORS' PLANT & MACHINERY"",    ""Thought"":""The policy type is mentioned explicitly in the document, so the answer is directly taken from there.""},"
"{""Question"": ""What does the Policy covers in terms of recompiling records and claim preparation?"",""Answer"": ""The policy covers the costs of recompiling records, including the value of materials used and the costs of clerical labor expended in producing such records. Also, it covers reasonable charges incurred by the Insured in producing and certifying any information as requested by the Company under the terms of the Policy."",""thought"": ""The question seems to be focused on the details regarding recompiling records and claim preparation which is clearly discussed in the extracted information. No relation to any other pieces of information.""},"
"{""Question"": ""What conditions must be met for the building to be considered liable for any loss or damage caused by rain or water?"",""Answer"": ""The building insured or containing the property insured shall first sustain actual damage to the roof or walls of same by the direct force of earthquake, volcanic eruption, hurricane, cyclone, typhoon and windstorm. The company is then only liable for such damage to the interior of the building of the insured property therein as may be caused by water or rain entering the building through openings in the roof or walls made by the direct force of the said perils."",""thought"": ""The condition refers to the ways that damages could occur. If the building wasn't directly affected by the forces mentioned or if the water didn't enter through the direct force made openings, they wouldn't be liable.""},"
"{  ""Question"":""Under what circumstances is the insured allowed to stamp “salvage” on damaged merchandise covered by the policy?"",  ""Answer"":""If the Company elects to take all or any part of the damaged merchandise at the agreed or appraised value, the insured may stamp 'salvage' on the merchandise or its containers at his own expense, provided that such stamp or removal will not physically damage the merchandise. The merchandise or containers should be re-labeled in compliance with legal requirements."",  ""thought"":""The information is clearly provided under the 'Brand and Label' section in the document.""}"
"{    ""Question"": ""What is the Suppliers' And/Or Customers' Premises Extension clause?"",    ""Answer"": ""The Suppliers' And/Or Customers' Premises Extension clause pertains to loss resulting from interruption of or interference with the business due to damage to property at first tier suppliers' or customers' premises. Such a loss is considered as loss resulting from damage to property used by the insured at the premises specified in the schedule. The company liability for such loss is only applicable if the interruption or interference with the business exceeds a set time period and does not exceed the limit stated for any one of the suppliers' and/or customers' location. The total maximum liability of the company regarding all suppliers and/or customers should not exceed 10% of Sum Insured (Item 1) subject to maximum SGD1,000,000 in the aggregate during the insurance period."",    ""thought"": ""The document details the Suppliers' And/Or Customers' Premises Extension clause, including the conditions necessary for the clause to apply and the limitations to the company's liability. It doesn't suggest any exceptions or additional factors influencing the application of this clause.""},"
"{""Question"": ""What are the property locations covered in the insurance document for 'Developments Private Limited'?"", ""Answer"": [  ""8 Long Road, Singapore 559904"",   ""8A Long Road, Singapore 559905"",  ""10 Net Road, Singapore 998750"",  ""10A Net Road, Singapore 998751"",  ""10B Net Road, Singapore 998752"",  ""13#01-03, Soldier Park, Singapore117534""],""thought"": ""The locations are clearly outlined in the insurance document. No additional details are required.""},"
"{""Question"": ""What is the address of MS First Capital Insurance Limited?"",""Answer"": ""6 Raffles Quay #21-00 Singapore 048580"",""thought"": ""The address is clearly mentioned in the document. No additional information is required.""},"
"{""Question"": ""What are the addressed properties that are insured?"",""Answer"": ""The addressed properties insured are 2 Tan Tan Street and 1 Lorong The Show in Singapore."",""thought"": ""Supported by information given under 'Risk Number 1' and 'Risk Number 2' of the document, no further information needed.""},"
"{""Question"": ""What are the listed perils that will be covered by the policy?"",""Answer"": ""The policy will cover physical damage occurring during the policy period to property insured directly caused by perils such as fire, lightning, explosion, aircraft or vehicle impact, falling objects, windstorm, hail, tornado, cyclone, hurricane, earthquake, volcano, tsunami, flood, freeze or weight of snow."",""thought"": ""The document provides a list of perils that are covered under the policy. The coverage is for physical damage during the policy period that is directly caused by these listed perils.""},"
"{""Question"": ""What is the insurance policy number?"",""Answer"": ""The policy number is D-23023966FAIR/9."",""thought"": ""The policy number is explicitly stated in the document. There is no need for redirection or inference.""}"
"{  ""Question"":""What are the conditions under which the Policy upholds even if a tenant violates any conditions and/or warranties?"",  ""Answer"":""The Policy will still be valid if a tenant violates any conditions and/or warranties without the knowledge or consent of the insured. However, the insured must notify the Company about such an act or omission as soon as they become aware of it."",  ""thought"":""The information is directly on the provided text under the 'Acts of Tenants' section. No redirection to other information is required.""},"
"{    ""Question"": ""What is the policy regarding the control of property for MS First Capital Insurance?"",    ""Answer"": ""As per the 'Control of Property' clause, the policy will not be affected by the failure of the insured to comply with any of the warranties or conditions endorsed if this is regarding any portion of the premises over which the insured has no control."",    ""thought"": ""The 'Control of Property' clause clearly outlines this policy. No additional details are needed.""}"
"{  ""Question"": ""What is the maximum liability of the Company in respect of costs for fire extinguishments?"",  ""Answer"": ""The liability of the Company in respect of costs for fire extinguishment is limited to S$5,000."",  ""thought"": ""This information was directly stated in the document.""}"
"{  ""Question"": ""What happens to the amount of insurance cover after a loss covered by this policy?"",  ""Answer"": ""In the absence of written notice by the company or the insured to the contrary, the amount of insurance cover reduced by such loss will be automatically reinstated from the date of the loss as long as the insured pays the appropriate additional premium computed from the date of the loss to the expiry of the Period of Insurance."",  ""thought"": ""The policy clearly states that the amount of insurance cover will be reinstated automatically from the date of the loss if a loss occurs, provided the insured pays the necessary additional premium for the time period from the date of the loss to the end of the Period of Insurance. There's no any other document required or needed.""},"
"{""Question"": ""What does the insurance under Item no.5 cover?"",""Answer"": ""The insurance under Item no.5 covers losses sustained by the Insured in respect of outstanding debit balances that the Insured cannot trace, establish or collect due to damage to the Insured’s records of accounts receivable. Further, it also pays for interest charges at bank rates on loan to offset impaired collections, lost interest, additional expenditure reasonably incurred in tracing and establishing the amount(s) of accounts receivable & collection expenses which arise as a result of such damage."",""Thought"": ""The details of the coverage of Item no.5 insurance are spelled out within the supplied text. Additional expenses like interest charges, lost interest, amount for tracing and establishing receivables and collection expenses were specifically mentioned.""},"
"{""Question"": ""What is the company's policy regarding salvaging of property?"",""Answer"": ""Any salvage value of property that could be sold or utilized by the Insured upon resumption of normal operations is considered in the loss adjustment."",""thought"": ""The insurance company considers the salvage value of property in the loss adjustment, however, the document does not provide information on how this value is established or how it influences the total loss settlement.""}"
"{""Question"": ""What does 'Cyber Act' mean as per the policy?"",""Answer"": ""Cyber Act means 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 policy document explains what the term 'Cyber Act' means under Definitions. There is no additional information required for this answer.""},"
"{""Question"": ""What type of business is insured under this policy?"",""Answer"": ""The business insured under this policy is involved in the trading of Semi-Conductors and Components"",""Thought"": ""The document mentions the type of business under the 'Business' section. In this case, the business involves trading of Semi-Conductors and Components.""},"
"{""Question"": ""What is the role of the valuers in case of disagreement between insurance parties regarding the amount of increase in site value?"", ""Answer"": ""The role of the valuers in case of disagreement regarding the value of the site is to determine the increased amount. Both parties to the insurance contract appoint one registered valuer and if they do not agree, the differences are referred to the decision of a third valuer, appointed by the Institute of Valuers or its equivalent in Singapore. The third valuer's determination is final and binding upon both parties."", ""thought"": ""The role of the valuers in case of disagreements is clear within the document. They act as a mediating party to resolve the dispute about the increase in the site value. This process is followed when the abandoned foundations left after the damage have increased the site value, and there is a disagreement on the extent of this increase between the insurer and the insured.""},"
"{""Question"": ""Where is the risk situation of the policy?"",""Answer"": ""6 TOH PLACE #02-13 LOWLAND CONDOMINIUM SINGAPORE 896890"",""Thought"": ""The financial document specifies the situation of risk directly.""},"
"{""Question"": ""What precautions does the insured need to take according to the 'Safeguards and Maintenance' clause?"",""Answer"": ""The Insured shall take precautions to keep the Machinery in good working order, enforce safety precautions to prevent loss or damage, and obey statutory and other regulation related to operation and inspection of machinery."",""thought"": ""The 'Safeguards and Maintenance' clause in the document clearly lays out the responsibility of the insured to maintain the machinery in good condition and comply with regulation. No additional information from outside the document is needed to answer the question.""}"
"{""Question"": ""What are 'Uninsured Working Expenses'?"",""Answer"": ""'Uninsured Working Expenses' are the variable expenses of the business that are not insured by the policy."",""thought"": ""The answer is directly referring to the given document, no additional information is required.""}"
"{""Question"": ""What procedure is defined for the insured if there is any alteration or misdescription of occupancy?"",""Answer"": ""If there is any alteration or misdescription of occupancy, the insured should notify the company immediately he becomes aware of the same and may be required to pay additional premium from the date of the inception of the increased hazard."",""thought"": ""This question refers to the information outlined under section 46 titled 'Misdescription'. The response is based solely on the text provided in this section.""},"
"{""Question"": ""Are there any special conditions attached to the Cover of Full Replacement Value clause?"",""Answer"": ""Yes, there are several conditions. The replacement work must commence and carry out with reasonable dispatch. No payment will be made if the destruction or damage is covered by any other insurance that is not based on full replacement value. The insured item should be no older than 5 years at the time of the loss and calculated from the year of construction. No payment will be made if the item's model is no longer commercially produced or unavailable as a new item. And the amount payable for the replacement shall not exceed the Sum Insured set in the Schedule of the Policy."",""thought"": ""The question is about special conditions for a clause, which are clearly listed in the document. No need for any external data.""},"
"{""Question"": ""What is the coverage limit for extra charges for airfreight under this policy?"",""Answer"": ""The maximum amount payable in respect of extra charges for airfreight during the period of insurance is SGD 1,000,000."",""Thought"": ""The material clearly indicates the maximum amount payable for extra charges for airfreight. No additional data is necessary.""},"
"{""Question"": ""What services are extended to include in the insurance policy relating to 'Buildings and Machinery'?"",""Answer"": ""The insurance policy relating to 'Buildings and Machinery' extends to include Telephone, Gas, Water and Electrical instruments, meters, piping, cables and the like and accessories thereof including similar property in adjoining yards, or railways or underground. This also includes all the property of the respective items of the insured or of Suppliers or others, for which the insured are responsible."",""Thought"": ""The policy extends to include utilities and their equipment like telephone, gas, water, and electric. The coverage includes all the property of the insured or of suppliers or others, for which the insured are responsible. The document does not specify any coverage limit for this service.""}"
"{  ""Question"": ""What is the maximum coverage for each additional painting under the MS First Capital Insurance Limited Policy No. D-23023966FAIR/9?"",  ""Answer"": ""The maximum coverage for each additional painting under the policy is SGD10,000."",  ""thought"": ""This answer is based on the information given in the document under the section related to artwork and fine art. There's no need to look for additional information outside of the document.""},"
"{""Question"": ""What is the main business of the insured?"",""Answer"": ""The main business activities of the insured are investment holding and trading, property development and investment, fund investment and management, property owners and all other activities incidental thereto or in which the Insured may be or become engaged."",""thought"": ""The business information was specified under 'Business' section of the document, no additional references required.""},"
"{  ""Question"": ""After how many days of unsuccessful negotiations can a party refer a matter to arbitration?"",   ""Answer"": ""After 14 days of unsuccessful negotiations, a party can refer a matter to arbitration."",   ""thought"": ""The information is explicitly mentioned in the document provided.""},"
"{""Question"": ""What was the cost of the caterpillar 320D hydraulic excavator bought with accessories FAL09155 in 2012?"",""Answer"": ""The cost of caterpillar 320D hydraulic excavator bought with accessories FAL09155 in 2012 was $52,925.40."",""Thought"": ""The information about the cost of the caterpillar 320D hydraulic excavator with the specific accessory is given in the document. There is no need to look for more details.""},"
"{""Question"": ""What is the policy number?"",""Answer"": ""The policy number is D-23023966FAIR/9."",""thought"": ""The policy number is clearly mentioned in the financial information. No further information was required to answer this question.""},"
"{""Question"": ""What is the Hire Purchase Agreement Clause about?"",""Answer"": ""This clause stipulates that the Owners specified in the Schedule are the owners of the insured interests which are subjects of a Hire Purchase Agreement between the Owners and the Insured. Any payment for loss or damage not made good by repair, reinstatement or replacement shall be made to the Owners as long as they are owners of the insured interests. This policy is issued to the Insured named in the Schedule as the principal party, not as an agent or trustee for the Owners. Also, nothing in this agreement shall be construed as making the Insured an agent or trustee for the Owners, or an assignment by the Insured to the Owners of their rights, benefits, and claims under this policy."",""thought"": ""The question seeks explanation about the Hire Purchase Agreement Clause, which is clearly outlined in the given information. No linked external information needed.""}"
"{""Question"": ""What is the premium for this policy?"",""Answer"": ""The premium for this policy is S$9,477.00."",""Thought"": ""The premium is stated in the document. The premium is the amount the insurer charges to provide the policy cover.""},"
"{""Question"": ""Which is the policy number for the given financial information?"",""Answer"": ""The policy number is P 90337832 FIC."",""thought"": ""The policy number is explicitly stated at the beginning of the given financial information as P 90337832 FIC.""},"
"{  ""Question"": ""What are the conditions precedent for the validity of this Fire Insurance Policy?"",  ""Answer"": ""The validity of this Policy is subject to the condition precedent that for the risk insured, the named insured has never had any insurance terminated in the last twelve 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 months then 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 answer provided covers the conditions precedent for the validity of the policy as listed on the document. However, further clarification regarding terms such as 'breach of any premium payment condition', 'outstanding premium for time on risk' or the 'customary short period rate' might require additional resources or information not provided in the document.""}"
"{""Question"": ""What does the endorsement to the policy state?"",""Answer"": ""The endorsement to the policy declares and agrees that the mortagee is amended to read as DBS BANK LTD."",""Thought"": ""The document explicitly mentions the changes made to the policy under the 'DECLARED AND AGREED' section. In this case, the mortgagee name has been changed to DBS BANK LTD.""},"
"{""Question"": ""What is the limit for the contract works?"",""Answer"": ""The limit for the contract works is S$1,000,000 per contract."",""Thought"": ""The document clearly stated the limit for contract works.""},"
"{""Question"": ""In the context of this policy, under what circumstances does the Insurance Company consider machinery to be 'destroyed'?"",""Answer"": ""As per the policy, if the costs of repairs equal or exceed the actual value of the machinery insured immediately before the occurrence of the damage, the item shall be regarded as 'destroyed'."",""thought"": ""The definition of 'destroyed' in terms of machinery is specified clearly in the document. It's about the cost of repairs being equal to or exceeding the actual value of the machinery before the damage.""}]"
"{    ""Question"": ""What property is insured under the insurance policy?"",    ""Answer"": ""The property insured includes 10 Beachside Avenue, Gaming Operations warehouse at 24 Potty Road, Operational Supplies warehouse at 42 Toilet Avenue, Eunos Technolink, Call Center and IT offices at Hippotamus Centre and Common Service Tunnel (CST) Blanking Wall."",    ""thought"": ""The information is extracted from point number 7 which includes a list of several properties. The details do not redirect me to any other external information.""},"
"{""Question"": ""What is the type of policy available with QBE Insurance (Singapore) Pte Ltd mentioned in the document?"",""Answer"": ""The document does not specify the type of policy available with QBE Insurance (Singapore) Pte Ltd."",""Thought"": ""The provided financial information only mentions the name of the company, QBE Insurance (Singapore) Pte Ltd, and mentions 'policy wording' but does not specify the type of insurance policy. In order to answer this question, more detailed information would be required, such as the type of insurance policy offered by QBE Insurance (Singapore) Pte Ltd.""}"
"{""Question"": ""What policy number is related to this document?"",""Answer"": ""D-23023966FAIR/9"",""thought"": ""Policy number is usually crucial in any financial document. In this case, it is clearly labeled as Policy No. at the beginning of the document. There's no need to redirect to another document to answer this.""},"
"{    ""Question"": ""Is there a cost difference between the Hitachi ZX33U-5A units with the serial numbers 3TNV88176392 and 3TNV88176577?"",    ""Answer"": ""No, there is no cost difference. Both Hitachi ZX33U-5A units with the serial numbers 3TNV88176392 and 3TNV88176577 cost $31,590.00 each."",    ""Thought"": ""Comparing the cost of the two units in the provided info, both amounts are equal. No external information was required.""  },  "
"{""Question"": ""What is the total sum insured?"",""Answer"": ""$192,250 is the total sum insured."",""thought"": ""The total sum insured is mentioned explicitly in the document. The value given stands alone and seems to have no dependencies on the other information in the text.""},"
"{""Question"": ""What is the policy number mentioned in the document?"",""Answer"": ""The policy number mentioned in the document is MAR/23-MA001405-R001."",""thought"": ""The requestor is asking about the policy number which is clearly stated in the document. As it's clearly stated as 'POLICY NO. : MAR/23-MA001405-R001', there is no need to gather more information from other sources or documents."",""Question"": ""What is the transaction number given in the financial document?"",""Answer"": ""The transaction number given in the financial document is 00006."",""thought"": ""Here, I only had to find where the transaction number is mentioned in the document. No additional information is necessary as it's explicitly mentioned as 'TRAN. NO. : 00006'."",""Question"": ""What is the definition of 'Data' according to the document?"",""Answer"": ""According to the document, 'Data' means information, facts, concepts, code or any other information of any kind that is recorded or transmitted in a form to be used, accessed, processed, transmitted or stored by a Computer System."",""thought"": ""In this question, the requestor is asking for the definition of 'Data' which can be found directly from the excerpt. The document precisely explains it, so there is no need to seek additional sources.""}"
"{""Question"": ""What is the procedure for making a claim under this policy?"",""Answer"": ""On the happening of any event giving rise or likely to give rise to a claim under this Policy coming to the knowledge of the Insured, the Insured shall: give notice thereof to the Company or their nearest representative as soon as possible; take precautions to prevent any further loss or damage; and take precautions to preserve any thing which might prove necessary or useful by way of evidence in connection with any claim and so far as may be reasonably practicable no alteration or repair shall without the consent of the Company be made after the event until the Company shall have had an opportunity of inspection; deliver a statement in writing of all particulars and details of the Machinery affected, and the damage thereto, and furnish all such vouchers proofs explanations and other evidence as may be reasonably required by the Company; do or permit to be done all such acts and things as may be necessary or reasonably required by the Company for enforcing any rights or remedies; and take all practical steps to recover any Machinery, this includes giving immediate notice to the Police if the property is lost, stolen or wilfully damaged."", ""thought"": ""The source document provides a summary of the claims process. This is quite extensive and I'm covering every mentioned aspect - from noticing the damage to notifying police (in case of theft or deliberate damage).""},"
"{  ""Question"": ""What are the conditions set in section 43 about 'Landslip and Subsidence (full cover)'?"",  ""Answer"": ""Section 43 of the policy extends insurance cover to Physical Loss of Insured Property caused directly by sudden violent earth movement, but does not cover loss connected with earthquake, volcanic eruption gradual erosion, overloading of the insured building, or any construction work. In addition, loss to outdoor property, loss attributable to faulty design, inferior workmanship, or use of defective materials aren't covered. Settlement of, or cracks in any insured Building are covered unless part of Building has physically collapsed. It also does not cover the cost to make good or remove debris of land, except as necessary to repair damaged Insured Property. Lastly, a Deductible of the first SGD 10,000.00 of each loss is admitted under this coverage extension."",  ""thought"": ""The policy details about 'Landslip and Subsidence (full cover)' in section 43 gives detailed conditions, so no additional information is needed to answer this question.""},"
"{""Question"": ""What is the purpose of the insured building?"",""Answer"": ""Office/Hotel/Commercial Building"",""Thought"": ""The 'Occupied As' section provides the information about the purpose of the insured building.""}"
"{""Question"": ""How many properties are mentioned in the document?"",""Answer"": ""There are mention of four properties in the document."",""thought"": ""The document details out four different properties, each with unique addresses, uses and total sum insured.""},"
"{""Question"": ""Which insurer provided this policy?"",""Answer"": ""This policy was provided by MSIG Insurance (Singapore) Pte. Ltd."",""thought"": ""This information was directly taken from the last line of the document.""}"
"{""Question"": ""What is the limit and indemnity period for food or drink poisoning, murder or suicide, pest & vermin, defective sanitary arrangement under the policy?"",""Answer"": ""The limit is SGD1,000,000 any one occurrence and in the aggregate, with an Indemnity Period of 30 days."",""thought"": ""This information was clearly mentioned in the document, no further material is required.""},"
"{  ""Question"": ""What causes are excluded for CONSEQUENTIAL LOSS in terms of vehicles and similar transportation items?"",  ""Answer"": ""The document outlines that CONSEQUENTIAL LOSS is in respect of vehicles licensed for road use (including accessories thereon), caravans, trailers, railway locomotives rolling stock, watercraft or aircraft. However, this is unless the loss is caused by a defined peril and not excluded by any other specified conditions."",  ""Thought"": ""The information provided in the document specifies what kind of transportation objects are considered under CONSEQUENTIAL LOSS. However, the 'defined peril' term isn't explained in this provided document. Understanding what 'defined peril' encompasses would further clarify to which situations these exclusions apply.""}"
"{""Question"": ""What law governs this insurance agreement?"",""Answer"": ""This insurance agreement is governed by the law in force in Singapore."",""thought"": ""The document explicitly states the governing law.""}"
"{""Question"": ""What does the Electronic Equipment Breakdown Insurance Schedule cover?"",""Answer"": ""The Electronic Equipment Breakdown Insurance Schedule covers all risks of direct physical loss or damage to electronic data processing equipment or media. Additionally, it covers expenses incurred in the removal of all debris of insured electronic data processing equipment or media damaged or destroyed by an insured peril. It also includes extra expenses resulting directly from loss of or damage to building, electronic data processing equipment or electronic data processing media."",""thought"": ""The schedule of coverage was explicitly outlined in the document. The insurance covers for direct physical loss or damage to electronic equipment or media. It's also stated that extra expenses related to such loss or damage are covered. No other sources were needed.""},"
"{  ""Question"": ""What are the two conditions for the Company's liability under this policy?"",  ""Answer"": ""The two conditions for the Company's liability under this policy are that at the time of the happening of the loss destruction or damage there shall be in force an insurance covering the interest of the Insured in the property at the Premises and that either payment shall have been made or liability admitted for it, or payment would have been made or liability admitted but for the operation of a proviso in such insurance excluding liability for losses below a specified amount."",  ""Thought"": ""The conditions for the coverage are clearly defined in the document. The information is exhaustive and does not need any external input.""},"
"{""Question"": ""What is the extent of Section 3 Worldwide Personal Liability?"",""Answer"": ""Section 3 Worldwide Personal Liability extends to cover the employee(s) who are residing at the specified risk location."",""thought"": ""The information is provided under the heading 'Section 3 Worldwide Personal Liability'. No additional data or redirection required.""}"
"{""Question"": ""What is the name of the insurance company?"",""Answer"": ""The name of the insurance company is Great Eastern General Insurance Limited."",""thought"": ""The name of the insurance company is clearly stated in the document. It is 'Great Eastern General Insurance Limited'.""},"
"{""Question"": ""What particular purchase does the serial no. 28371 belong to?"",""Answer"": ""The serial no. 28371 belongs to Launch Rail/Back Wall Plate in Purchase 5 Jacking Equipment."",""thought"": ""The serial number and corresponding item can be found directly in the document.""}"
"{""Question"": ""Under what circumstances does the Civil Authority Clause apply?"",""Answer"": ""The Civil Authority Clause is engaged in cases of direct loss or damage to the insured property caused by acts of destruction executed by order of any Public Authority at the time of and only during a conflagration caused by the perils insured under this Policy."",""thought"": ""The Civil Authority Clause is defined within the document, providing a clear explanation to the question.""}"
"{""Question"": ""Does this policy cover damages caused by virus, bacterium, parasite or other organism?"",""Answer"": ""No, the policy does not insure any loss, damage, claim, cost, expense or other sum, directly or indirectly arising out of, attributable to, or occurring concurrently or in any sequence with a Communicable Disease. A Communicable Disease includes any disease which can be transmitted by means of any substance or agent from any organism to another organism, which includes a virus, bacterium, parasite or other organism."",""thought"": ""The information is directly drawn from the document under the 'Communicable Disease Exclusion' section.""},"
"{""Question"": ""Who is the insured party in the policy?"",""Answer"": ""The insured party in the policy is HERITAGE SIGHT PTE LTD as mortgagor and/or DBS BANK LTD as mortgagee for their respective rights and interests."",""Thought"": ""The insured party's name is generally included in the policy information and in this document, it is stated as HERITAGE SIGHT PTE LTD and DBS BANK LTD""},"
"{  ""Question"": ""Can the policy cover loss or damage caused by disturbances of the public peace?"",  ""Answer"": ""No, loss or damage from disturbances of public peace such as strikes, lockouts, and actions of any lawfully constituted authority in suppressing such disturbances are not covered by this policy."",  ""thought"": ""This clause is related to public disruptions or disturbances, which typically might result in property damage or other losses. However, the policy is clear in excluding such occurrences.""}["
"{""Question"": ""What is the sum insured for risk number 1 and risk number 2?"",""Answer"": ""The sum insured for risk number 1 and risk number 2 is SGD5,060,000 and SGD6,440,000 respectively."",""thought"": ""The sum insured for each risk is stated under their respective sections in the document.""}"
"{""Question"": ""What is the annual premium for the 100% order?"",""Answer"": ""The annual premium for the 100% order is USD 603,303.58"",""thought"": ""The value was directly mentioned in the text as 'ANNUAL PREMIUMFOR 100% order: USD 603,303.58'. Therefore, no additional information was required.""},"
"{""Question"": ""What is the implication of the Sanction Limitation and Exclusion clause?"",  ""Answer"": ""According to Sanction Limitation and Exclusion clause, no insurer shall provide cover or liable to pay any claim or provide any benefit to the extent that it may expose that insurer to the risk of or result in any breach or violation of, or non-compliance with, any sanction, prohibition, restriction or regulations imposed by any state or transnational organisation. In case the insured is designated or listed as a person subject to Sanctions, the insurer has the right not to provide the cover."",  ""Thought"": ""The contract provides a comprehensive explanation of the implication of the Sanction Limitation and Exclusion clause. No external information is required.""}"
"{  ""Question"": ""What is the maximum company liability under the Architects' Surveyors' & Consulting Engineers' Fees Clause?"",  ""Answer"": ""The company's liability under the Architects' Surveyors' & Consulting Engineers' Fees Clause shall not exceed 10% of the sum insured for the item involved, and not more than the Total Policy Sum Insured specified in the Schedule."",  ""thought"": ""This information is provided in the Architects' Surveyors' & Consulting Engineers' Fees Clause. The maximum liability is clearly stated as 10% of the insured sum for the particular item involved. Any additional details would require the Schedule, which is not provided in the document.""},"
"{""Question"": ""What is the address of Great Eastern General Insurance Limited?"",""Answer"": ""The address is 1 Pickering Street, #01-01 Great Eastern Centre, Singapore 048659."",""Thought"": ""The company’s address was listed in the financial information.""},"
"{""Question"": ""What is the machine code for the insured property under the Policy No. B 300558534 MAR?"",""Answer"": ""The machine code for the insured property is MK-04TM."",""thought"": ""Policy No. B 300558534 MAR directly mentions the machine code for the insured property.""},"
"{""Question"": ""What happens if I'm not satisfied with how the claim is handled?"",""Answer"": ""If you are not satisfied with the way the claim is handled, they can refer you to the General Insurance Association for their advice."",""thought"": ""It's defined in the document that unsatisfied complainants can be referred to the General Insurance Association.""},"
"{""Question"": ""What circumstances are covered by the company in case of loss or damage?"",""Answer"": ""The company covers loss or damage due to events like fire, lightning, explosion, extinguishing of a fire or subsequent demolition, aircraft or other aerial devices or articles dropped therefrom, collapse of buildings, flood, inundation, escape of water from water containing apparatus, earthquake, subsidence, landslide, avalanche, hurricane, cyclone, volcanic eruption or similar natural catastrophes, theft or any attempt thereat of a complete item of Machinery, and impact or collision with anything external to the item of Machinery in which such parts are incorporated."",""thought"": ""The information for this answer was gathered from the list of conditions mentioned under which the company would be liable.""},"
"{""Question"": ""What happens when a claim is made by an employee in respect of whom the the Insured holds money?"",""Answer"": ""Any money of any Employee in respect of whom a claim is made in the hands of the Insured and any money which but for any act of fraud or dishonesty committed by that Employee would have been due to that Employee from the Insured shall be deducted from the amount of loss before a claim is made under this Policy."",""Thought"": ""The policy outlines that any money held by the insured that belongs to an employee making a claim, or money that would be due to that employee had they not committed a dishonest act, should be deducted from the total loss amount before a claim is made. This implies that the insurer will not cover portions of a loss that could be offset by money the insured already owes or holds on behalf of the claiming employee."" }"
"{""Question"": ""What is the provision in the policy regarding acts of terrorism?"", ""Answer"": ""The insurance excludes any loss, damage, cost or expense directly or indirectly caused by or resulting from any act of terrorism. The burden of proof shall be on the insured if the company alleges the exclusion applies."", ""thought"": ""The policy specifically mentions an exclusion clause related to acts of terrorism, it does not provide coverage for any damages resulting from or associated with acts of terrorism.""},"
"{""Question"": ""What is the policy number of the insured?"",""Answer"": ""The policy number is D-23023966FAIR/9."",""thought"": ""The policy number was directly mentioned in the document without any related extrapolations.""},"
"{""Question"": ""What is the company's policy on Contractual Agreements?"",""Answer"": ""The policy won't be prejudiced by the Insured entering into a contractual agreement with another party and if the agreement provides that the Insured shall indemnify another party in respect of Damage which may occur as the result of any peril or eventuality insured against by Section I of this Policy. All rights of subrogation against such party is hence waived."",""thought"": ""The information is straightforward and contained within the text document. There is no need to infer or redirect for additional information.""}"
"{""Question"": ""What type of damage does this insurance not cover?"",""Answer"": ""This insurance does not cover destruction or damage caused by war, invasion, act of foreign enemy, hostilities whether war be declared or not, civil war, rebellion, revolution, insurrection, military or usurped power."",""thought"": ""This information is found at the end of the document which clearly states the type of damages or destructions that are not covered by the policy.""},"
"{""Question"": ""Upon what conditions does the Company make payments?"",""Answer"": ""The Company shall make payments only after being satisfied by production of the necessary bills and documents that the repairs have been effected or replacement has taken place, as the case may be."",""thought"": ""The document explicilty states that the company requires necessary bills and paperwork that show the repairs have been carried out or the replacement has been done.""},"
"{    ""Question"": ""What is the transaction number?"",    ""Answer"": ""00006"",    ""thought"": ""Direct information present in the document, no redirection required.""},"
"{""Question"": ""What is the risk of not disclosing all the facts about the policyholder?"",""Answer"": ""If you do not disclose all the facts you know or ought to know to QBE Insurance, you may not receive any benefits from your policy."",""thought"": ""The statement makes it clear that full and faithful disclosure is necessary for policy benefits. There isn't a mention of what specific details need to be disclosed, or what qualifies as facts 'you ought to know'. For full understanding, further details would be needed.""},"
"{""Question"": ""Who is the policy owner for risk number 3, 4 and 5?"",""Answer"": ""The policy owners for risk number 3, 4 and 5 are OCBC Bank Ltd, DBS Bank Ltd and UOB Ltd respectively."",""thought"": ""The document directly provides the owners for each risk number.""},"
"{""Question"": ""What is the liability of the Insurers under this Memorandum?"",""Answer"": ""The liability of the Insurers under this Memorandum shall not exceed the amount of the Sub Limit of Liability stated in the Schedule against ‘Machinery Breakdown’"",""Thought"": ""Looking at the memorandum that was provided, the liability of the insurers is stated in point 1; it does not exceed the Sub Limit of Liability specifically stated in the Schedule against 'Machinery Breakdown'.""},"
"{""Question"":""What does the Mortgagee / Chargee Clause entail?"",""Answer"":""The Mortgagee / Chargee Clause stipulates that the loss, if any, is payable to the Mortgagee (Chargee) as their interest may appear. This insurance will not be invalidated by foreclosure or other proceedings or notice of sale related to the property, or by the premises' occupation for more hazardous purposes than allowed by this policy, or by the non-occupation thereof, or by any other increase in risk in the property insured hereunder. However, the Mortgagee (Chargee) must pay any premium due under this policy neglected by the Mortgagor (Chargor) or Owner and notify the Company of any non-occupancy or any change of ownership or occupancy or increase of hazard."",""thought"":""Reading the financial document, it is notable that the Mortgagee / Chargee Clause guarantees that the policy will still be valid even under hazardous circumstances, increase of risk, non-occupancy, etc. as long as Mortgagee (Chargee) fulfills their responsibilities. The exceptions under which policy might be affected are not explicitly mentioned.""}"
"{ ""Question"": ""Is damage resulting from subsidence, ground heave, or landslip covered under this policy?"", ""Answer"": ""Damage resulting from subsidence, ground heave or landslip is not covered under this policy unless it results from fire, explosion, earthquake or the escape of water from any tank, apparatus or pipe."", ""thought"": ""The question's answer is found in exclusion 5.1. The insurance policy doesn't cover these damages except in specific circumstances outlined.""},"
"{""Question"": ""What is the personal accident benefit extension provided by the company?"",""Answer"": ""The company agrees that if an authorized employee of the Insured, while carrying money insured under this policy, suffers any bodily injury caused directly by robbery or hold-up, which is the sole and direct cause of Death or Permanent Total Disablement, the company will pay the Insured SGD50,000 each employee up to 2 employees, provided Death or Permanent Total Disablement occurs within 365 days after the date of bodily injury."",""thought"": ""The company's personal accident benefit extension policy has been explained in the document, offering compensation in the event of Death or Permanent Total Disablement of an employee due to robbery or hold-up. Therefore, detailed consideration and understanding were required to frame the response.""},"
"{""Question"": ""Is there any additional projects under situation of risk number 2?"",""Answer"": ""Yes, For Sewer Project is mentioned under situation of risk number 2"",""Thought"": ""Thought: The document mentions 'For sewers project' under risk number 2 which suggest in future to have a risk situation but doesn't provide additional details about it.""}"
"{""Question"": ""What are the policy exclusions?"",""Answer"": ""The policy does not cover any loss arising from fraud or dishonesty of the Insured’s employees, shortages due to error or omission, and losses covered by a policy of fidelity guarantee insurance."",""thought"": ""All the exclusions of the policy are directly provided in the document. No extra information required.""},"
"{""Question"": ""What is GST Registration Number?"",""Answer"": ""The GST Registration Number is M200644018."",""Thought"": ""The document provides the GST Registration Number. It didn't require additional information.""}]"
"{""Question"": ""What are the exceptions to the Machinery All Risks Insurance Policy provided by MSIG Insurance (Singapore) Pte. Ltd.?"",""Answer"": ""The policy does not cover: 1. Mechanical or electrical failure or overheating of the Machinery. 2. Loss or damage due to testing involving abnormal conditions, intentional overloading, or experiments; faults or defects known to the Insured or any employees at the time the contract was arranged and not disclosed to the Company; any process of heat treatment, welding, grinding, cutting, drilling, shaping or the application of tools to the Machinery other than for the purpose of lifting or moving it. 3. Loss or damage for which a supplier, contractor or repairer is legally responsible by contract or otherwise. 4. Theft or conversion of any item of Machinery by the hirer of such Machinery or his employees or agents. 5. Loss of or damage to foundations and masonry unless specifically included and described in the Schedule."",""thought"": ""This document gives specific details about the exceptions to the insurance policy. Other queries related to the insurance terms and conditions, premium details, or claim procedures are not covered in the document.""}"
"{""Question"": ""What limitations are there on the insurance coverage for 'Bursting and Overflowing of Water Pipes'?"",""Answer"": ""The insurance does not cover: damage to the apparatus causing the overflow, loss or damage while the building is untenanted, damages from any automatic sprinkler installation, and the first S$200.00 of each and every loss."", ""thought"": ""The limitations for this type of coverage can be found directly in the 'Bursting and Overflowing of Water Pipes Endorsement' section. No additional information is needed.""},"
"{""Question"": ""Does this policy cover losses arising from a Communicable Disease?"",""Answer"": ""No, this policy does not cover any losses, damages, claim, cost, expense or other sum, directly or indirectly arising out of, attributable to, or occurring concurrently or in any sequence with a Communicable Disease or the fear or threat of a Communicable Disease."",""Thought"": ""The information regarding the coverage of Communicable Disease is clearly outlined in the 'LMA5393 Communicable Disease Endorsement' section. There is no ambiguity in the document regarding this.""},"
"{  ""Question"": ""What happens under the Reinstatement of Loss Clause?"",  ""Answer"": ""Under the Reinstatement of Loss Clause, in the event of any loss covered by this Policy and in absence of a written notice by either the Company or the Insured, the amount of insurance cover reduced by such loss will automatically be reinstated from the date of the loss, provided the Insured pays the appropriate additional premium calculated from the date of loss to the expiry of the Period of Insurance."",  ""thought"": ""The details about the clause is already provided in the document. No additional information from any outside source was required to answer this question.""}"
"{    ""Question"": ""What conditions apply for the 'Waiver of Subrogation Clause' with rental parties according to the policy?"",    ""Answer"": ""In the event of any claim, the insurance company will not exercise its subrogation right against any subsidiary and/or associated companies of the insured and rental parties."",    ""thought"": ""The 'Waiver of Subrogation Clause' is detailed in clause TB25. It states the company's limitations in case of a claim. This question doesn't rely on any information outside the given segment.""}"
"{""Question"": ""What is the definition of 'Money' as per the policy?"",""Answer"": ""Money means cash bank and currency notes cheques money orders postal orders current postage stamps credit card sales vouchers revenue stamps bonds bills of exchange promissory notes postage and revenue franking tickets or other redeemable vouchers or any other negotiable instrument all belonging to the Insured or for which the Insured has accepted responsibility."",""thought"": ""The answer is directly mentioned in the document, no thoughts are required.""},"
"{""Question"": ""If the insured's machinery or plant needs to replaced, under what conditions and limitations is this process defined?"",""Answer"": ""If it's necessary to replace such property with a new item which performs a similar function, then the basis of settlement for such property shall be the new installed cost of such replacement item that would give the same total function, capability or output as the property being replaced."",""thought"": ""The information pertaining to the replacement of insured machinery or plant is directly referred from the 'Output Replacement' section (No. 49). The given content provides an exact answer with no additional investigation necessary.""}"
"{""Question"": ""When was the policy issued?"",""Answer"": ""The policy was issued on 25/08/2022."",""Thought"": ""The date of issue was clearly mentioned in the document.""},"
"{""Question"": ""Does this policy cover other insurance?"",""Answer"": ""Yes, the policy mentions that in the event of a loss, the insured should give written notice as soon as practicable to the insurers of any other insurance or insurances effected that they are aware of covering the business or any of the insured property."",""Thought"": ""The 'Other Insurance' section outlines that this policy takes into account other insurances the insured may have.""},"
"{""Question"": ""What is the policy number of the insurance coverage?"",""Answer"": ""The policy number of the insurance coverage is 10172588."",""thought"": ""The policy number was directly mentioned in the provided document, under the section labelled as 'Schedule', making it straightforward to find.""},"
"{  ""Question"": ""What happens if the premium payment has not been received in full within a 60-day period?"",  ""Answer"": ""In an event that any premium due is not paid and actually received in full by Income (or the intermediary through whom this Policy was effected) within the 60-day period, the respective cover under the Policy, Renewal Certificate, Cover Note or Endorsement is automatically terminated immediately after the expiry of the said 60-day period as per the 'Premium Payment Warranty' section."",  ""thought"": ""The question intends to identify the consequences of not paying the policy premium on time. The given document explicitly sets out these circumstances under the 'Premium Payment Warranty' section.""},"
"{    ""Question"":""What is the policy number?"",    ""Answer"":""23-EM000011-R02"",    ""Thought"":""The policy number is given directly in the document and hence extracted directly for the answer.""},"
"{""Question"": ""What is the period of insurance?"",""Answer"": ""The period of insurance is from 01/01/2023 to 31/12/2023."",""Thought"": ""The 'Period of Insurance' section specifies these dates.""},"
"{""Question"": ""Which locations are covered under the policy and what are their respective sums insured?"", ""Answer"": ""The policy provides coverage for the Property Damage to The Camelia Mall, with a sum insured of SGD 133,000,000, and The Rose Mall, with a sum insured of SGD 20,400,000."", ""thought"": ""The names of the properties and the sums insured are clearly stated under 'Sum insured'. Additional information about other properties or coverage is not provided in the document.""}"
"{""Question"": ""What is the full name of the insurance company?"",""Answer"": ""ZURICH INSURANCE COMPANY LTD (SINGAPORE BRANCH)"",""Thought"": ""The document clearly mentions the full name of the insurance company. No additional information is needed.""},"
"{""Question"": ""What does 'On Pay-Roll' insurance cover?"",""Answer"": ""The 'On Pay-Roll' insurance covers loss in respect to pay-roll. It includes loss due to reduction in turnover during the indemnity period following damage and also during the remaining portion of the indemnity period. It also covers increase in cost of working that exceeds the amount payable under Item 1 but is not more than the additional amount that would have been payable in respect of Reduction in Turnover had such expenditure not been incurred."",""thought"": ""The content under 'Item No. 3 - On Pay-Roll' includes specific descriptions of what this type of insurance covers. The answer to the question is based directly on that content.""},"
"{""Question"": ""What is the policy of the insurance if the insured property is damaged beyond repair?"",""Answer"": ""The insured can replace the property with similar property which uses current technology. The replacement property should not be viewed as better or more extensive than the condition of the damaged property when new. Furthermore, the insurance also covers the replacement of undamaged property if it is necessary for it to function with the property that was damaged and has been repaired or replaced."",""Thought"": ""This information was provided in the second provision. It outlines the process of replacing property and the conditions involving technological upgrades and property compatibility. ""},"
"{""Question"": ""What is the purpose of the first floor of the property situated at 73 Summer Road?"",""Answer"": ""The first floor of the property situated at 73 Summer Road is occupied as a Restaurant."",""thought"": ""The information was present in the given document which mentions that the first floor of the property located at 73 Summer Road is used as a restaurant.""},"
"{""Question"": ""Could you explain the 'Premium Payment Warranty' as stated in this policy?"",""Answer"": ""The 'Premium Payment Warranty' declares that if the period of insurance is 60 days or more, any premium due must be paid and actually received in full by the company within 60 days of the inception date of the coverage. If not, the cover is automatically terminated once the 60-day period is over. If the period of insurance is less than 60 days, any premium due must be paid and actually received in full by the company within the period of insurance."",""thought"": ""The 'Premium Payment Warranty' is well defined in the given document. It outlines the consequences of failing to pay the premium in a timely manner depending on the period of insurance. There is no additional information required from external sources.""}"
"{""Question"": ""What is the year of manufacture for the 1 set of New HERRENKNECHT Tunneling Machine and Auxiliary Equipment?"",""Answer"": ""The year of manufacture for the 1 set of New HERRENKNECHT Tunneling Machine and Auxiliary Equipment is 2021."",""thought"": ""The year of manufacture is explicitly mentioned in the financial information document provided.""}"
"{""Question"": ""What is the total sum insured for the building and its fixtures, fittings & renovation?"",""Answer"": ""The total sum insured for the building and its fixtures, fittings & renovation is SGD 530,000.00."",""thought"": ""The sum insured for the building only (excluding fixtures, fittings & renovation) is SGD 480,000.00. The sum insured for fixtures, fittings & renovation is SGD 50,000.00. Total sum insured is the total of these two values, i.e., SGD 530,000.00.""},"
"{""Question"": ""What is the Average Relief Clause 85% applied to?"",""Answer"": ""It applies when the sum insured does not represent at least 85% of the reinstatement or replacement value in regard to the property insured. In such case, the Insured shall be considered as being their own insurer for the difference and shall bear a rateable share of the loss accordingly."",""thought"": ""According to the document, the Average Relief Clause of 85% applies when the sum insured is below 85% of the reinstatement or replacement value of the insured property. The Clause does not apply to stocks. Hence, the insured have to cover the difference of the loss. Additional information is not required here.""}"
"{""Question"": ""What is the limit for the Accidental Leakage or Spillage clause?"",""Answer"": ""The limit for the Accidental Leakage or Spillage clause is S$500,000."",""thought"": ""The limit for the Accidental Leakage or Spillage clause is directly mentioned in the document, no additional information required or inferred.""},"
"{""Question"": ""What is the expectation from the insured in terms of account records according to the policy?"",""Answer"": ""All books of accounts of the Insured or any Accountants report on such books shall be open to the Inspection of the Insurer and the Insured shall give all information and assistance to enable the Insurer to sue for and obtain reimbursement from any Employee or from his estate of any moneys which the Insurer shall have paid or become liable to pay under this Policy."",""Thought"": ""The policy appears to expect full transparency from the insured regarding their financial records, suggesting that they would be open to the insurer's inspection in cases where the insurer needs to sue for and obtain reimbursement.""},"
"{""Question"": ""Does the policy cover wage of the insured's employees during a fire?"",""Answer"": ""Yes, the insurance under this policy extends to include the wages of the insured's employees, other than full time members of a Works Fire Brigade."",""thought"": ""The financial document mentions that the insurance policy covers the wages of the insured's employees, however it excludes the full time members of a Works Fire Brigade. There is no further detail available on what constitutes a 'Works Fire Brigade'.""},"
"{    ""Question"": ""What is the limit for the Professional Accountant Clause?"",    ""Answer"": ""The limit for the Professional Accountant Clause is SGD10,000."",    ""thought"": ""The information for this question is directly pulled from the document, there are no other relevant points mentioned related to this clause.""}"
"{        ""Question"": ""How are alterations or misdescriptions of occupancy handled?"",         ""Answer"": ""The insurance will not be prejudiced by any alteration or misdescription of occupancy. However, the Insured has to notify the insurer as soon as they become aware of it and might have to pay an additional premium from the date of the inception of the increased hazard."",        ""Thought"": ""This indicates that if the insured property's occupation is misrepresented or if it changes, the insurance contract still stands, but an additional premium might be required depending on the increase in risk. However, what constitutes an 'additional premium' or 'increase in hazard' is not specified in the given document.""    },     "
"{""Question"": ""Does this insurance policy cover damage due to the inherent vices, rusting, oxidation or decolourisation of the property?"", ""Answer"": ""No, this insurance policy does not cover damage due to inherent vices, rusting, oxidation, decolourisation, or any other process of cleaning, restoring, alterations, maintenance, repairing or otherwise or scratching of painted or polished surfaces."", ""Thought"": ""The given financial document clearly states that the resultant damage clause of this policy does not provide coverage for damages that occur due to these conditions. Considering this, there is no need to look for additional information outside the provided document.""}"
"{""Question"": ""Where should the insurance document be stored?"",""Answer"": ""The insurance document should be kept in a safe place."",""thought"": ""The document only specifies that the insurance document should be stored safely but it doesn't provide suggestions on how or where exactly to do so. Possible locations could vary depending on the individual's preference or situation.""}"
"{""Question"": ""What does the insurer agree to do prior to the cancellation of the policy?"",""Answer"": ""The insurer undertakes to inform DBS Bank Ltd prior to the cancellation of the policy if instructions have been received for the cancellation of the policy and also to advise them immediately and obtain DBS Bank Ltd consent of any other material changes which are proposed to be made in the terms of the insurance."",""thought"": ""The information is sufficient to answer this question. It is clearly stated in the document that the insurer has an obligation to inform DBS Bank Ltd before cancelling the policy and also to advise about any possible material changes in the policy terms.""},"
"{""Question"": ""What is the time limit for premium payment under this insurance policy?"",""Answer"": ""The insurance policy provides a premium payment warranty of 60 days."",""Thought"": ""The information about the premium payment due date is mentioned in the document under 'PREMIUM PAYMENT WARRANTY (60 DAYS)'.""}"
"{  ""Question"": ""What is the maximum liability for loss in any one occurrence under this policy?"",  ""Answer"": ""The maximum liability for loss in any one occurrence is the sum insured by the item, section or policy indicated in the Schedule."",  ""thought"": ""The answer directly comes from the first paragraph under the 'MEMORANDA' section of the document.""},"
"{""Question"": ""What is meant by 'Computer System' as per this policy?"",""Answer"": ""The document does not provide a definition for the term 'Computer System'."",""thought"": ""The policy document does not include a specific definition for 'Computer System'. For a precise understanding, we would need to refer to an external document or glossary that is not provided in this context.""}, "
"{""Question"": ""What are some of the conditions and stipulations of the financial policy mentioned?"",""Answer"": ""Some conditions and stipulations of the policy include misdescription of property insured, receipts of premium payments, risks and perils not covered such as theft after a fire, damage caused by the property's own natural heating or drying process, subterranean fire, nuclear weapons material, natural disasters, warlike operations, and civil unrest. Any damage caused during abnormal conditions is also not covered."",""thought"": ""Looking at the information given, it seems the insurance laid out in the policy does not cover many things, including disasters, war, abnormal conditions, and nuclear radiation. The policy is quite complicated and may require further information or clarification.""},"
"{""Question"": ""Is damage caused by earthquakes covered under this policy?"",""Answer"": ""No, this insurance does not cover any loss or damage occasioned by or through earthquake."",""Thought"": ""The policy states in section 2(a) that damage caused by earthquakes, among other convulsions of nature, is not covered.""},"
"{""Question"": ""What are some contents covered under the 'All Other Contents' clause in this policy?"",""Answer"": ""The 'All Other Contents' clause includes: a) Money and stamps not otherwise specifically insured for an amount not exceeding SGD50.000 b) Documents, manuscripts and business books but only for the value of the material as stationery, together with the cost of clerical labour expended in writing up, and not for the value of the Insured of the information contained therein and for an amount not exceeding SGD 50,000 in respect of any one documents, manuscripts or business book c) Computer systems records but only for the value of the materials together with the cost of clerical labour and computer time expended in reproducing such records (excluding any expenses in connection with the production of the information to be recorded therein) and not for the value to the insured of the information contained therein for an amount not exceeding SGD 50,000 d) Patterns, models, moulds, plans, and designs, for an amount not exceeding SGD 50,000 in respect of any one pattern, model, moulds, plan or design e) Employees' pedal cycles, clothing tools and other personal effects for an amount not exceeding SGD 50,000 in respect of any one Employee"",""thought"": ""The policy provides coverage for a wide range of items under the 'All Other Contents' clause, though there are specific regulations on their value in the context of the policy. The value limitation varies with the type of item. For example, for money and stamps, the value of coverage is up to SGD 50,000.""},"
"{""Question"": ""Who is the insured name under this policy?"",""Answer"": ""The insured name 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 names were given in the document under the 'Insured Name' heading.""},"
"{""Question"": ""What happens to all claims and losses according to the policy?"",""Answer"": ""All claims and losses shall be payable directly to the bank."",""thought"": ""It's clearly stated in the document that 'All claims and losses shall be payable directly to the bank'. There's no need to look for additional information.""}"
"{""Question"": ""What clause was cancelled from the wording of the policy?"",""Answer"": ""The wording of Condition 17 (Average Clause) and Condition 16 (Contribution Clause) were cancelled from the policy."",""thought"": ""The cancellation of these conditions is clearly mentioned in the document.""},"
"{""Question"": ""Under what condition does the MS First Capital Insurance Limited policy cover Deliberate Damage?"",""Answer"": ""The policy covers Deliberate Damage to Property Insured or expenses incurred, directly caused by any act or order of any Government Authority acting to prevent or mitigate a pollution hazard or threat, with the condition that the act of the Government Authority has not resulted from a lack of due diligence by the Insured to prevent or mitigate such hazard or threat."",""Thought"": ""This is mentioned under the 'Deliberate Damage' section. It specifies that deliberate damage is covered by the policy under certain conditions related to preventing pollution hazards.""},"
"{""Question"": ""What is the company's policy number?"",""Answer"": ""The company's policy number is D-23023966FAIR/9."",""Thought"": ""The policy number is usually mentioned in the first few lines of the policy document. In this case, it's 'Policy No. D-23023966FAIR/9.'""},"
"{""Question"": ""What does the Sanctions Exclusion clause entail?"",""Answer"": ""The Sanctions Exclusion clause states that the Company shall not provide cover nor be liable to pay any claim or provide any benefit if the provision of such cover, payment of claim or provision of such benefit would expose the Company or any member of the Company’s group to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of any country."",""thought"": ""The information required to answer this question is directly provided in the Sanctions Exclusion clause of the document.""}"
"{""Question"": ""What is the policy number of the insurance?"",""Answer"": ""D-23023966FAIR/9"",""thought"": ""The policy number is mentioned directly in the document. No additional information needed.""},"
"{""Question"": ""What conditions must be met for reimbursement under the 'Reinstatement Value Clause'?"",""Answer"": ""The reimbursement conditions under the 'Reinstatement Value Clause' involve the start and completion of replacement or reinstatement work within 12 months after the destruction or damage, or within a further time allowed in writing by the insurer. Until expenditure has been incurred by the insured in replacement or reinstatement, the insurer might not be liable for any payment. If the cost of reconstruction exceeds the sum insured at the time of any incident, the insured might have to bear a proportion of the loss."",""Thought"": ""The specific conditions and provisions are carefully detailed in the 'Reinstatement Value Clause' section.""},"
"{""Question"": ""What is the banking interest for this policy?"",""Answer"": ""The banking interest for this policy is with UOB Ltd."",""thought"": ""Banking interest details are provided under the 'Bank Interest' specifics.""}"
"{""Question"": ""What are the conditions under which this insurance policy does not provide coverage?"",""Answer"": ""This insurance policy does not provide coverage under the following conditions: war, invasion, act of foreign enemies, hostilities or warlike operations, civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power; any act of terrorism. The policy also excludes items such as bullion or unset precious stones, any curiosity or work of art for an amount exceeding $200, manuscripts, plans, drawings or designs, patterns, models or moulds, securities, obligations or documents of any kind, stamps, coined or paper money, cheques, books of account or other business books, or computer systems records, and explosives."",""thought"": ""The given document does not specify any further conditions under which the policy does not provide coverage.""},"
"{""Question"": ""Where is the insurance company located?"",""Answer"": ""50 Raffles Place #29-01 Singapore Land Tower Singapore 048623"",""Thought"": ""The address of the insurance company is explicitly stated on the document. There's no need for further information.""},"
"{""Question"": ""What are the dates of the insurance policy?"",""Answer"": ""The period of the insurance policy is from 05/03/2023 to 31/12/2023."",""Thought"": ""The dates of the policy period were given in the document and I was able to provide them.""}"
"{""Question"": ""What is the policy's stance on underinsurance?"", ""Answer"": ""If the sum insured is less than the value of the property covered, the amount payable by the company will be proportionately reduced."", ""thought"": ""The document mentions that the sum insured is subject to Average and if it's less than the value of the property, the payout will be reduced proportionately.""},"
"{""Question"": ""What are the sub-limits applicable to Section 1?"",""Answer"": ""The sub-limits applicable to Section 1 are: SGD300,000 for any one loss or damage arising out of theft following forcible and violent entry, SGD200,000 for any one loss or damage to garden shrubs, plants and trees, and SGD100,000 for any one loss or damage in respect of all plate glass of every description including accessories, decorative panel or panel mirror as a part of fixture and fittings forming part of the building."",""Thought"": ""No additional information is needed to understand this aspect.""},"
"{""Question"": ""What is the Insurer's Liability for any one loss or series of losses arising out of one event at any one Situation?"",""Answer"": ""The Insurer's Liability for any one loss or series of losses arising out of one event at any one Situation shall not exceed SGD1,000,000.00."",""thought"": ""The answer is directly mentioned in the document, no thoughts are required.""},"
"{""Question"": ""What is the plan selected for the policy?"",""Answer"": ""The plan selected for the policy is FLEXIBLE."",""thought"": ""The information is based on the line 'PLAN SELECTED: FLEXIBLE'.        There's no need for external information or redirection.""},"
"{""Question"": ""What is the total sum insured for the policy number B 300781788?"",""Answer"": ""The total sum insured for the policy number B 300781788 is SGD24,190,000."",""thought"": ""Information directly pulled from the document.""},"
"{""Question"": ""What is the excess in case of any underground damages?"",""Answer"": ""In case of underground damages, the excess is 10% of the loss with a minimum of S$50,000"",""thought"": ""The excess for specific scenarios like underground damages is mentioned explicitly under 'Excess'""}"
"{""Question"": ""To whom is the loss payable in case of any damage?"",""Answer"": ""The loss, if any, is payable to the mortgagee (chargee) as interest may appear."",""thought"": ""The information regarding to whom the loss is payable is provided directly in the document under 'Mortgagee Clause'. No additional information or redirection needed.""},"
"{""Question"": ""What happens if the insured's risks are increased without their authority or knowledge?"",""Answer"": ""The insured's interest in this insurance will not be impacted. However, the insured must notify the insurers in writing as soon as they become aware of the act or neglect causing the increased risks. The insurers may also demand a reasonable additional premium."",""thought"": ""The details for this scenario are clearly defined under the 'Landlord Clause' in the document. It mentions the expectations from the insured and the insurer in such situations.""},"
"{""Question"": ""What are the terms for review and amendment of the policy as per Memorandum 2?"",""Answer"": ""As per Memorandum 2, the company reserves the right to review and amend the Policy terms and conditions on 31 December 2023 in the event of any material change in Insured’s operation, activities or exposures, any new or amended Singapore legislation or law that may have a material effect on the exposures and/or coverage that are covered and/or granted under this policy, or the incurred loss ratio exceeding 60% at 31 December 2023."",""Thought"": ""The conditions for review and amendment of the policy terms were clearly provided in Memorandum 2 section of the text. No additional data is required for this.""}"
"{    ""Question"": ""Does this insurance policy cover damages from typhoons or hurricanes?"",    ""Answer"": ""No, the policy does not cover damages caused by typhoon, hurricane or any other atmospheric disturbance."",    ""Thought"": ""The answer is based on the given information, no extra information is required.""  },  "
"{""Question"": ""Who is the insured name for Sakura Mall being amended to read as?"",""Answer"": ""“ABC Trustee Limited as Trustee of Paradise REIT and/or DBS Bank Ltd as Security Trustee and Mortgagee and Chargee for DBS Bank Ltd and/or Para Paradise Management Pte Ltd as REIT Manager and/or Sing A Song Property Management Services Pte Ltd as Property Manager for their respective rights and interests”"",""thought"": ""The information available shows an amendment to the insured name for a property known as Sakura Mall. The new names included are ABC Trustee Limited, DBS Bank Ltd and multiple others.""},"
"{""Question"": ""What are the warranties mentioned in the document?"",""Answer"": ""The warranties mentioned in the document include: a) Machines/Equipment insured by the policy must be operated by licensed experienced operators employed or selected by the Insured. b) All relevant government or statutory regulations related to the use of the plant and machinery must be strictly complied with. c) The policy excludes loss or damage in respect of underground/ tunneling work."",""thought"": ""An insurance warranty is a promise by the insured to the insurer that certain conditions are to be fulfilled or certain things are to be done, or not done, by the insured party. If these conditions are not met, the insurer may deny coverage for a loss.""},"
"{  ""Question"": ""What is the policy regarding storage of hazardous goods?"",  ""Answer"": ""Unless otherwise specifically provided in this Policy, hazardous goods usual to the trade and/or business are allowed to be stored in quantities and manner as permitted by law."",  ""thought"": ""The document provides clear details regarding hazardous goods storage policy.""},"
"{  ""Question"": ""What does the Mortgagee/Chargee clause state in the policy?"",  ""Answer"": ""The Mortgagee / Chargee Clause states that any loss is payable to the Mortgagee (Chargee) as interest may appear and this insurance, as to the interest of the Mortgagee (Chargee) only therein, will not be invalidated by any changes such as foreclosure, other proceedings, notice of sale, occupation for more hazardous purposes, non-occupation, or any other increase of risk taking place in the property insured. However, if the Mortgagor (Chargor) or Owner fails to pay any premiums due under this Policy, the Mortgagee (Chargee) shall pay. Also, the Mortgagee (Chargee) must notify the Company of any non-occupancy or changes of ownership or increases in hazard. If these are not permitted by the Policy, they should be noted on it and the Mortgagee (Chargee) will need to pay a premium for the increased hazard."",  ""thought"": ""The answer specifically addresses the Mortgagee/Chargee clause in the insurance policy. It doesn't require any additional information outside of the provided document.""},"
"{""Question"": ""What is the limit for the Appraisement clause?"",""Answer"": ""The limit for the Appraisement clause is S$200,000 or 5% of the sum insured whichever is the lesser."",""thought"": ""The limit for the Appraisement clause is directly mentioned in the document. However, it is mentioned in two forms - a fixed sum and a percentage of the insured sum. The final limit would need to be calculated based on the sum insured, which is not provided in this document.""}"
"{  ""Question"": ""What are the conditions under which the fire insurance will not cover destruction or damage?"",  ""Answer"": ""The insurance does not cover: (a) Destruction or damage caused directly or indirectly by war, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection or military or usurped power. (b) Consequential loss of any kind or description."",  ""thought"": ""N/A""},"
"{""Question"": ""What modifications should be informed to the company during the policy period?"",""Answer"": ""During the policy period, the company should be informed about any alterations which increase the risk of or damage, such as when the value of the property insured has been changed; trade carried out is altered or if the nature of the occupancy of the building is changed."",""thought"": ""The document provides a list of alterations that the insurer needs to know about.""}]"
"{""Question"": ""How does 'Misdescription' affect the insurance coverage?"",""Answer"": ""The insurance will not be affected by any alteration or misdescription of occupancy if the insured party notifies the company immediately after becoming aware of it. The insured party may be required to pay an additional premium from the date of the inception of the increased hazard."",""thought"": ""This is directly mentioned in the document in section 18. No additional information is required.""}"
"{""Question"": ""What is the name of the insurance company?"",""Answer"": ""MSIG Insurance (Singapore) Pte. Ltd."",""thought"": ""The name of the insurance company is mentioned in the document. No additional information was needed for this specific question.""}, "
"{""Question"": ""What does this policy exclude in terms of Cyber and Data?"",""Answer"": ""This policy excludes any Cyber Loss and any loss, damage, liability, claim, cost, expense that is directly or indirectly caused by, contributed to by, resulting from, arising out of or in connection with any loss of use, reduction in functionality, repair, replacement, restoration or reproduction of any Data."",""thought"": ""The exclusion of cyber and data-related losses is explained in policy's section U052 PROPERTY CYBER AND DATA EXCLUSION. It clearly excludes both Cyber Loss and data-related losses. There are no references to external documents.""}"
"{""Question"": ""Does the insurance cover loss or damage to properties caused by war or military operations?"",""Answer"": ""No, the insurance does not cover any loss or damage occasioned by war, invasion, act of foreign enemy, hostilities or warlike operations, whether war is declared or not."",""Thought"": ""According to point 2(c) in the general exclusions list from the insurance policy, any damage caused by war or similar military activities is excluded from coverage.""},"
"{""Question"": ""What is the sum insured for home contents?"",""Answer"": ""The sum insured for home contents is SGD 15,000.00."",""thought"": ""The policy schedule provides a section on home contents with the sum insured as SGD 15,000.00. No other details are required from outside.""},"
"{  ""Question"": ""What is the contact number for the claims & Motor Underwriting Dept for MS First Capital Insurance Limited?"",  ""Answer"": ""The contact number for the claims & Motor Underwriting Dept for MS First Capital Insurance Limited is (65) 6507 3848."",  ""thought"": ""I found this answer in the given document which provides the claims and Motor Underwriting Department contact""},"
"{""Question"": ""What happens if the aggregate limits of liability of the Primary and Underlying Excess Insurance is reduced or exhausted?"",""Answer"": ""In the event of such reduction of the aggregate limits of liability of the Primary and Underlying Excess Insurance, this Policy shall pay the excess of the reduced annual aggregate limit. In the event of exhaustion of the aggregate limits of liability of the Primary and Underlying Excess Insurance, this Policy shall respond accordingly."",""thought"": ""The response of the policy in such events is clearly explained in the text. It is straightforward.""}"
"{  ""Question"": ""How is 'Insured Amount per Week' defined?"",  ""Answer"": ""'Insured Amount per Week' means one-fiftieth part of the Administration and Research Establishment Expenditure incurred during the financial year immediately before the date of the Damage."",  ""thought"": ""This information was given in the 'Definitions' section of the policy.""},"
"{""Question"": ""What types of property does this policy exclude from its coverage?"",""Answer"": ""Excluded properties are including but not limited to any vessel craft or thing made to or intended to fly float or travel on or through water or air and/or property carried by stored in or mounted upon such vessel craft or thing; any power driven vehicle which is licensed for road use."",""thought"": ""Point 10 mentions the types of properties the policy does not cover.""},"
"{ ""Question"": ""Is the damage caused by corrosion, rust, wet or dry rot, shrinkage, evaporation, loss of weight, dampness, dryness, marring, scratching, vermin or insects covered under this policy?"", ""Answer"": ""No, the damage caused by corrosion, rust, wet or dry rot, shrinkage, evaporation, loss of weight, dampness, dryness, marring, scratching, vermin or insects is not covered under this policy."", ""thought"": ""This information was clearly mentioned under the exclusions (3.1) in the document. Therefore, a direct response was given without any need for assumptions or further information.""},"
"{""Question"": ""What happens if a lost or destroyed property is replaced with property that is more extensive than its condition when new?"",""Answer"": ""The insurers will pay the cost that would have been incurred if the lost or destroyed property had been reinstated in accordance with the policy provisions. Any additional cost for the superior replacement will be borne by the insured."",""Thought"": ""The point in provision six provides this information. It establishes the insurer's liability and the insured's responsibility when replacing with superior property.""},"
"{""Question"": ""Do special conditions apply on the policy?"",""Answer"": ""Yes, special conditions apply including certain restrictions on claims related to water damage, consequential loss, insurance coverage overlap with other policies, and specifically uninsured items and situations."",""Thought"": ""The special conditions are specifically stated in the document.""},"
"{""Question"": ""What does the Contract Price Clause refer to?"",""Answer"": ""The Contract Price Clause refers to goods that are sold but not delivered, for which the insured is responsible. If the sale contract is cancelled due to a fire or any insured peril, the liability of the company will be based on the contract price. The clause also mentions that the value of goods for the purpose of average will be ascertained on the same basis."",""thought"": ""The policy clearly outlines the circumstances and basis for liability in this clause so no additional information is required.""}"
"{  ""Question"": ""How long does the Insured have to inform the Company of their intention to replace or reinstate the destroyed or damaged property?"",  ""Answer"": ""The Insured needs to intimate to the Company within 6 months from the date of destruction or damage, or such further time as the Company may in writing allow, their intention to replace or reinstate the property destroyed or damaged."",  ""thought"": ""The insured must communicate with the insurer within a 6-month time frame starting from the date of the damage or destruction. However, the insurer may provide an extended window for this communication if explicitly permitted in writing. If the insured doesn't comply with this requirement, certain implications may come into play.""}"
"{""Question"": ""In which circumstances can the Company cancel the insurance policy?"",""Answer"": ""The Company may cancel the insurance policy by sending ten (10) days' notice by registered letter to the Insured at his last known address."",""Thought"": ""This information was found in clause 9 under the 'Cancellation' section. There's no additional information required beyond what's provided in the document.""},"
"{    ""Question"": ""What is the total sum insured?"",    ""Answer"": ""The total sum insured is $1,324,917.66"",    ""Thought"": ""The total sum insured is explicitly mentioned at the end of the given financial data.""  },  "
"{""Question"": ""What is the registered office address of MS First Capital Insurance Limited?"",""Answer"": ""6 Raffles Quay #21-00 Singapore 048580"",""Thought"": ""The registered office address is clearly mentioned with the company information at the beginning of the document.""},"
"{""Question"": ""What are the company not liable for in terms of the machinery and materials?"",""Answer"": ""The company is not liable for repair or replacement necessitated by wear, corrosion, erosion, deposits of scale, sludge or other sediment or any other direct consequence of progressive or continuous influences of working or atmospheric or chemical action, rust or scratching of painted or polished surfaces. They are also not liable for consequential loss, liquidated damages or penalties for delay or detention or in connection with guarantees of performance or efficiency, and damage arising out of the wilful act or gross negligence of the Insured or his representatives."",""thought"": ""This information was given directly in the document, assisting in the generation of the response.""},"
"{""Question"": ""What are the implications if a claim is not referred to mediation and/or arbitration within twelve calendar months from the date of a disclaimer?"",""Answer"": ""If a claim is not referred to mediation and/or arbitration within twelve months from the date of disclaimer, the claim will be considered as abandoned and will not be recoverable thereafter."",""thought"": ""The given document clearly states the timeline (twelve months from the date of disclaimer) within which a claim should be referred to mediation and/or arbitration. If such reference is not made, it leads to the claim being considered as abandoned and non-recoverable. No additional external information is required.""},"
"{""Question"": ""What is the period of insurance?"",""Answer"": ""01/01/2023 to 31/12/2023"",""Thought"": ""The start and end dates for the period of insurance are clearly indicated in the document.""},"
"{""Question"": ""Who is the underwriter of the coverages mentioned in the document?"",""Answer"": ""The coverages are underwritten by one or more subsidiary companies of Chubb."",""thought"": ""The answer directly stated in the text. No additional detail required.""},"
"{""Question"": ""What is the policy number of the mentioned insurance?"",""Answer"": ""The policy number is 2022-F0250513-IAR-R001."",""Thought"": ""The policy number was clearly given in the financial information document.""},"
"{""Question"": ""What does the Institute Radioactive Contamination clause cover?"",""Answer"": ""The clause excludes any insurance cover for loss, damage, liability, or expense that is directly or indirectly caused by or contributed to by or arises from ionizing radiations or contamination by radioactivity from any nuclear fuel or waste, or from the combustion of nuclear fuel. It also covers the exclusion of any radioactive, toxic, explosive, or other hazardous events."" ,""Thought"": ""The response is drawn from the section titled 'U040 Institute Radioactive Contamination, Chemical, Biological, Bio-Chemical And Electromagnetic Weapons Exclusion Clause'. This information suffices for a comprehensive answer to the question.""}"
"{  ""Question"": ""Who has signed the policy on behalf of the company?"",  ""Answer"": ""The policy has been signed on behalf of the company by Mack Eng, Chief Executive Officer of MSIG Insurance (Singapore) Pte. Ltd."",  ""thought"": ""The question refers to information specifically stated at the end of the document. No external information is needed to provide this answer.""}"
"{""Question"": ""What is the limit for the 'Machinery Breakdown and Business Interruption following Machinery Breakdown' special extension?"",""Answer"": ""The limit for the 'Machinery Breakdown and Business Interruption following Machinery Breakdown' special extension is SGD 20,000,000 for any one loss per risk location."",""Thought"": ""In the provided financial document for the insurance policy, the limit for the 'Machinery Breakdown and Business Interruption following Machinery Breakdown' special extension is clearly stated as SGD 20,000,000 for any one loss per risk location.""},"
"{""Question"": ""What items are covered under 'All Other Contents' section of the Policy?"",""Answer"": ""'All Other Contents' in the policy covers money and stamps not insured elsewhere up to S$1,000.00, documents, manuscripts, and business books for the value of materials and stationery along with clerical labour cost up to S$1,000.00, as well as patterns, models, moulds, plans, and designs for the cost of labour and materials for reinstatement up to S$1,000.00, and employees' bicycles, clothes, tools and personal effects up to S$500.00 per employee."",""thought"": ""The information provided gives a detailed coverage of the 'All Other Contents' under the insurance policy. However, there are no further details on the process of claiming for these items.""},"
"{  ""Question"": ""What are the exclusions under the Bomb Threat policy?"",  ""Answer"": ""Under the Bomb Threat policy, exclusions include an interruption of less than 24 hours duration, any period other than the actual period of hindrance or prevention of access to the premises, any consequences of physical loss, destruction or damage, labour disputes, infectious or contagious diseases and any bomb threat or threat from terrorist or any terrorism activities."",  ""thought"": ""These exclusions could be found under the description of the Bomb Threat policy. The document clearly illustrates these points under this section, so no redirection to another piece of information or document was needed.""},"
"{  ""Question"": ""What circumstances are considered under 'Isolation by Landslide, Flood and Other Perils' section?"",  ""Answer"": ""The blockage of roads or railway links or bridges or tunnels caused by landslide, flood, earthquake or any other peril not otherwise excluded which prevents or hinders the use of or access to the premises."",  ""thought"": ""The information provided in 'Isolation by Landslide, Flood, and Other Perils' section directly answers this question. No additional information required.""},"
"{""Question"": ""Under which conditions does the insurer reserve the right to review and amend the policy’s terms and conditions?"", ""Answer"": ""The insurer reserves the right to review and amend the policy’s terms and conditions in the event of any material change in insured’s operation, activities or exposures, any new or amended Singapore legislation or law that may have a material effect on the exposures and/or coverage that are covered and/or granted under this policy, or the incurred loss ratio exceeding 50%."", ""thought"": ""The possible conditions for policy amendment were clearly outlined in the 'Break and review clause' section.""}, "
"{  ""Question"": ""What is the Bomb Threat limit mentioned in the policy?"",  ""Answer"": ""The Bomb Threat Limit mentioned in the policy is SGD 500,000."",  ""thought"": ""The answer could be found in the 6th point of the given document which mentions the limit for the Bomb Threat policy. No redirection is necessary.""},"
"{""Question"": ""What is the address of QBE Insurance (Singapore) Pte Ltd?"",""Answer"": ""The address of QBE Insurance (Singapore) Pte Ltd is 1 Wallich Street, #35-01, Guoco Tower, Singapore 078881."",""thought"": ""The address provided in the financial information directly corresponds to this question.""},"
"{""Question"": ""What location is under risk and premises?"",""Answer"": ""The location listed as under risk/premises is 7 Section Lane Singapore 858324."",""thought"": ""The location of risk/premises was directly given in the document, no further information needed.""},"
"{""Question"": ""Who will compensate for the loss if any property insured under the policy is accidentally destroyed or damaged?"",""Answer"": ""Great Eastern General Insurance Limited will compensate for the loss if any property insured under the policy is accidentally destroyed or damaged."",""Thought"": ""The document clearly states that the Great Eastern General Insurance Limited (The Company) will pay to the insured the value of the property at the time of its loss or destruction.""},"
"{""Question"": ""What is the cover limit under the Cost Of Temporary Protection Clause according to the policy?"",""Answer"": ""Under the Cost Of Temporary Protection Clause, the policy provides cover up to a limit of S$5,000."",""thought"": ""The answer to the question is directly provided in the document under the Cost Of Temporary Protection Clause. No additional external information is required.""}"
"{""Question"": ""What is the meaning of 'Communicable Disease' in the context of this policy?"",""Answer"": ""In the context of this policy, a 'Communicable Disease' refers to any disease which can be transmitted by any substance or agent from any organism to another organism. This includes, but is not 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. The disease, substance or agent can cause or threaten damage to human health or human welfare, or to property."",""thought"": ""While attempting to come with a response, the given document provided a clear definition of what 'Communicable Disease' referred to in the context of the policy. I did not need to seek additional information to provide a complete response.""}"
"{""Question"": ""What does the Smoke Damage Clause cover?"",""Answer"": ""The Smoke Damage Clause of the insurance policy extends to include destruction or damage to the insured property directly caused by smoke due to a sudden, unusual, and faulty operation of any heating or cooking unit connected to a chimney by a smoke pipe or vent pipe and located in or on the insured premises. Such damage or destruction covered by the clause will be deemed to be caused by fire."",""thought"": ""The question pertains to the Smoke Damage Clause present in the document. I presented the answer by describing the situations where the Smoke Damage Clause applies as stated in the document. No information outside of the provided document is needed to answer this question.""}"
"{""Question"": ""If the coverage under the policy is automatically terminated due to non-payment of premium within 60 days, what will the Company be entitled to?"",""Answer"": ""In the event of automatic coverage termination due to non-payment within 60 days, the Company shall be entitled to a pro-rata time on risk premium subject to a minimum of S$25.00."",""thought"": ""The answer can be found in section 5 (b) (iii) of the document. No other piece of information is required for this question.""},"
"{""Question"": ""What is the Discovery Period for the 'Fidelity Guarantee/ Dishonesty of Employees' coverage?"",""Answer"": ""18 months"",""thought"": ""According to the information given the 'Fidelity Guarantee/ Dishonesty of Employees' coverage has a Discovery Period of 18 months.""}"
"{""Question"": ""What bank has an interest in the Tunneling Machine M-02212M?"",""Answer"": ""OCBC Bank Ltd has an interest in the Tunneling Machine M-02212M."",""thought"": ""The information about the bank's interest is mentioned directly after the details of the Tunneling Machine M-02212M.""},"
"{""Question"": ""What are some examples of materials in the course of the process?"",""Answer"": ""The document does not specify examples of materials in the course of process."",""thought"": ""The document does not mention specific examples of materials in the course of process, hence further information is required to answer this question.""},"
"{""Question"": ""What is the minimum premium the Company is entitled to?"",""Answer"": ""The Company is entitled to a pro-rata time on risk premium subject to a minimum of S$25."",""thought"": ""The document explicitly states this information under the conditions of automatic termination. No further details or outside sources needed for this question.""}"
"{""Question"": ""What does the Electrical Installation Clause B cover?"",""Answer"": ""The Electrical Installation Clause B covers loss or damage by fire to the electrical appliances and installation insured by this policy resulting from over running, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity, including lightning. However, there is no liability for loss or damage to any electrical machine, apparatus, fixture or fitting, or to any portion of the electrical installation, unless caused by fire or lightning."",""thought"": ""In analyzing the policy, it is explicitly mentioned under the Electrical Installation Clause B about the coverage offered for damages caused due to fire to the electrical installations. However, it restricts the liability for damages caused by not-fire-or-lightning to electrical machines and installations.""},"
"{""Question"": ""What do 'Rate of Gross Profit' mean?"",""Answer"": ""The 'Rate of Gross Profit' refers to the Gross Profit earned on the Turnover during the financial year immediately before the date of the Damage."",""thought"": ""The answer is directly referring to the given document, no additional information is required.""},"
"{""Question"": ""What does the policy define as a communicable disease?"",  ""Answer"": ""The policy defines a communicable disease as any disease which can be transmitted by means of any substance or agent from any organism to another organism. It includes, but not limited to, a virus, bacterium, parasite or other organism or any variation thereof."", ""thought"": ""The definition for communicable disease is mentioned in point number 2 under the 'Communicable Disease Exclusion' clause.""}, "
"{""Question"": ""What is the policy number of the MSIG Insurance?"",""Answer"": ""The policy number is B 29141275 ABC"",""thought"": ""The policy number is clearly mentioned in the financial information document, so there is no need for additional information.""},"
"{""Question"": ""What does this policy extend to cover under MEMO B?"",""Answer"": ""Under MEMO B, this policy is extended to cover the loading and unloading of equipment."",""Thought"": ""The financial document specifically mentions what is covered under MEMO B. No outside information is required.""},"
"{  ""Question"": ""What is the sub-limit for 'Third Party Property in Custody of Insured' for Jewellery, Furs, Bullions, Precious Metals, Precious Stones?"",  ""Answer"": ""The sub-limit for 'Third Party Property in Custody of Insured' for Jewellery, Furs, Bullions, Precious Metals, Precious Stones is SGD1,000,000 per event."",  ""thought"": ""The sub-limit for this specific case was provided in the given document, right next to the clause itself.""},"
"{""Question"": ""What does 'Cyber Loss' mean in the context of the policy?"",""Answer"": ""In the context of this policy, 'Cyber Loss' means any loss, damage, claim, cost, or expense of any nature that is directly or indirectly caused by, contributed to by, results from, arises out of, or is in connection with any Cyber Act or Cyber Incident. This includes actions taken in controlling, preventing, suppressing, or remediating any Cyber Act or Cyber Incident."",""Thought"": ""The information about 'Cyber Loss' is clearly outlined in the 'Definitions' section of the policy. However, 'Cyber Act' or 'Cyber Incident' is not defined in the given document.""}"
"{""Question"": ""Who is the insured's name amended to read as for the purpose of Section 1 Building only?"",""Answer"": ""For the purpose of Section 1 Building only, Insured's name is amended to read as Cyclone Engineering Pte Ltd as Mortgagor and DBS Bank Ltd as Mortgagee F.T.R.R. & I."",""thought"": ""The policy schedule provides information about the amendment in the insured's name for Section 1 Building only. No other details are required from outside.""}"
"{""Question"": ""What is the website of QBE Insurance (Singapore) Pte Ltd?"",""Answer"": ""The website of QBE Insurance (Singapore) Pte Ltd is www.qbe.com/sg."",""thought"": ""The website address provided in the document directly responds to this question.""},"
"{""Question"": ""What is the policy about Damage to Property Insured during the process of internal removal, installation, or dismantling?"",""Answer"": ""The policy covers damage to Property Insured during the process of internal removal, installation or dismantling within the premises. This memorandum shall not be regarded as ‘Transit’ within the meaning of this policy."",""Thought"": ""This information is found under the 'Existing Property Undergoing Internal Removal, Dismantling, and/or Installation' section of the provided details. Everything required to answer this question is included in the financial document.""},"
"{""Question"": ""Is there any provision under this policy for temporary repairs?"",""Answer"": ""Yes, TB10 Temporary Repairs Clause is a part of the policy, indicating that there is provision for temporary repairs."",""thought"": ""I found the information under the list of clauses mentioned in the financial information.""}"
"{""Question"": ""What is the sub-limit for the 'Loss of Attraction' coverage?"",""Answer"": ""SGD1,000,000"",""thought"": ""The document provides a breakdown of the various coverages provided and their respective sub-limit. The Loss of Attraction coverage has a limit of SGD1,000,000.""},"
"{""Question"": ""Does the policy cover all types of property damage?"",""Answer"": ""The policy specifically covers property damage caused by fire or lightning."",""Thought"": ""The document specifies that the insurance covers damages caused by fire or lightning only. For information about other types of damages, other documents or additional policy wordings would be required.""}"
"{""Question"": ""What are the contact details of the MS First Capital Insurance Limited's Motor Underwriting Dept?"",""Answer"": ""The contact details of MS First Capital Insurance Limited's Motor Underwriting Dept are as follows: Address: 16 Raffles Quay #42-01 Hong Leong Building Singapore 048581. Telephone: (65) 6507 3848. Fax: (65) 6507 3849."",""thought"": ""The information was explicitly stated in the financial information and did not require any redirection or additional context to ascertain the details of the 'Motor Underwriting Department' of MS First Capital Insurance Limited.""}"
"{""Question"": ""Who is allowed to access and validate the Insured's business books or documents?"",""Answer"": ""Professional auditors employed by the Insured can produce and certify any information required from the Insured's business books or documents."",""Thought"": ""The information was mentioned in section 11 of the financial document.""},"
"{  ""Question"": ""What is covered under the Removal of Debris Clause?"",  ""Answer"": ""The Removal of Debris Clause extends to cover any expense necessarily incurred by the Insured in the removal of debris, dismantling or demolishing shoring up or propping of the portion of the property insured by this Policy destroyed or damaged by fire or lightning or any other perils hereby insured against."",  ""thought"": ""This clause implies that the cost of removing debris, as well as dismantling or demolishing shoring up or propping of the property insured by the policy, is covered if the property is destroyed or damaged by fire, lightning, or any other perils insured by the policy.""}"
"{""Question"": ""What is the Policy Number?"",""Answer"": ""P 90337832 FIC"",""thought"": ""The policy number was given in the financial information document. No additional information required.""},"
"{""Question"": ""What is the maximum liability per guest or visitor according to 'Memo F'?"",""Answer"": ""According to 'Memo F', the maximum liability per guest or visitor is up to SGD200."",""Thought"": ""The information required to answer this question was found in 'Memo F'. There was no need to refer to sections outside the document.""},"
"{""Question"": ""When is the insurance policy period?"",""Answer"": ""The insurance policy period is from 01 October 2022 to 30 September 2023."",""Thought"": ""The policy period was clearly stated in the document. No external data was needed to provide this answer.""},"
"{""Question"": ""How is loss under the policy of MS First Capital Insurance Limited handled?"",""Answer"": ""The policy suggests that any loss under it shall be payable to the mortgagee stated in the schedule as mortgagees or assignees of mortgage interest to the extent of their interest. In the event of loss or damage, the company will pay the mortgagees or assignees to the extent of their interest. If there's a change of ownership or an increase of hazard, the mortgagees or assignees are required to inform the company and pay an additional premium from the time the risk increased."",""thought"": ""This question is based on the information presented under the 'Mortgagee Clause' in the policy. It covers how losses are covered under the policy. The information is complete and no additional information is required.""}, "
"{""Question"": ""What is the policy number of the insured property?"",""Answer"": ""The policy number of the insured property is B 300558534 MAR."",""thought"": ""The policy number provided allows identification of the specific financial policy document.""}, "
"{""Question"": ""What is the definition of a Communicable Disease as per the policy?"",""Answer"": ""A Communicable Disease as per this policy is any disease which can be transmitted by means 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 method of transmission, whether direct or indirect, includes but is not limited to, airborne transmission, 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."",""thought"": ""The definition of Communicable Disease in the policy is comprehensive, covering any and all potential diseases that can be passed from one organism to another, irrespective of the medium of transmission. It also covers the potential outcomes of such diseases, including damage to human health and property.""},"
"{""Question"": ""How does this policy define a Communicable Disease?"",""Answer"": ""Within this policy, a Communicable Disease is defined as any disease which can be transmitted by means of any substance or agent from any organism to another organism where, the substance or agent includes a virus, bacterium, parasite or other organism or any variation thereof, whether deemed living or not, and the method of transmission, whether direct or indirect, includes airborne transmission, bodily fluid transmission, transmission from or to any surface or object, solid, liquid or gas or between organisms, and 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 hereunder."",""Thought"": ""The definition of a Communicable Disease in this insurance policy is very clear and there's no need for any further information from external sources.""}"
"{""Question"": ""What should be done if any error or misdescription is found in the policy?"",""Answer"": ""If any error or misdescription is found in the policy, the policy should be returned to the issuing office for correction."",""Thought"": ""The last part of the document instructs what actions should be taken in case of any discrepancies found in the policy. So the answer to and question are derived straightforwardly from the given financial information.""}"
"{""Question"": ""What is the maximum cover under the Auditors’ Fees clause?"",  ""Answer"": ""SGD 1,000,000."",  ""thought"": ""The maximum amount covered under the Auditors’ Fees clause according to the document is SGD 1,000,000.""}"
"{""Question"": ""What is the excess for the Fusion Damage Clause?"",""Answer"": ""The excess for the Fusion Damage Clause is S$2,500/-."",""thought"": ""The excess for the Fusion Damage Clause is given in the document under the 'Fusion Damage Clause' section. It is mentioned as S$2,500/-.""},"
"{    ""Question"": ""What are the circumstances under which a property is considered as a Constructive Total Loss according to MS First Capital Insurance Limited?"",    ""Answer"": ""A property is considered as a Constructive Total Loss under the following circumstances: (a) if it is actually totally lost or destroyed and its avoidance seems impossible; (b) if it cannot be saved from total loss or destruction without the insured incurring an expenditure exceeding its repaired or recovered value; (c) in cases of compliance with the requirements of any Regulation, By-Law, or Ruling from any competent authority; (d) if the cost necessary to repair or restore it exceeds the amount of payment under the Basis of Settlement applicable to that property for total loss or destruction."",    ""thought"": ""The information was found directly in the provided text under '13. Constructive Total Loss'. There is no need for additional information.""},"
"{""Question"": ""What is the insured supposed to do if a tenant commits an act that would void any Condition and/or Warranty of the Policy?"", ""Answer"": ""The policy will not be held to be void on account of the tenant's act or omission if the insured notifies the Company of such an incident as soon as it comes to the insured's knowledge and pays an additional charge for any increase of hazard so created according to the established scale of rates."", ""thought"": null}"
"{""Question"": ""What is the full name of the insured party?"",""Answer"": ""Funtasia Pte. Ltd. and/or Funtasia Resorts Pte Ltd as Owner and/or DBS Bank Ltd as Mortgagee/ Chargee for their respective rights and interests"",""Thought"": ""The insured party includes multiple entities as indicated in Name of Insured section of the given document.""},"
"{  ""Question"": ""What happens if the insured has other insurances for the same property that has undergone DAMAGE?"",  ""Answer"": ""If there is any other insurance covering the same property by or for the insured at the time of the DAMAGE, the Company's liability will be limited to its proportion of the DAMAGE. Any such other insurance with an average (underinsurance) condition makes this policy subject to average in the same way. If any such other insurance excludes from ranking concurrently with this policy, the Company's liability will be limited to that proportion of the DAMAGE which the sum insured under this policy bears to the property's value."",  ""Thought"": ""This information can be derived from clause 3 of the document, explaining the procedure when there is other insurance on the property that has incurred DAMAGE.""}"
"{""Question"": ""What is the restriction imposed by the Sanction Clause?"",""Answer"": ""According to the Sanction Clause, no insurer shall provide cover or be liable to pay any claim or benefit, to the extent that the provision of such cover, claim or benefit would expose that insurer to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of any jurisdiction applicable to that insurer."",""thought"": ""The document adequately describes the restrictions imposed by the Sanction Clause of the policy. Therefore, no additional information is needed to answer this question.""}"
"{""Question"": ""Who is the Hire Purchase for the unit caterpillar 336D2L hydraulic excavator?"",""Answer"": ""Cat & The Fiddle Services Pte Ltd"",""thought"": ""This question needs an answer from the 'Hire Purchase' column, the hiring company for the caterpillar 336D2L hydraulic excavator is Cat & The Fiddle Services Pte Ltd.""}"
"{""Question"": ""What are the 'Rights Of Company' after the happening of any loss or damage to any of the property insured by this Policy?"",""Answer"": ""Following a loss or damage to any insured property, the Company are granted several rights: They may enter and take and keep possession of the building or premises; take possession of or require to be delivered to it any property of the Insured in the building or on the premises at the time of the loss or damage; keep possession of any such property and examine, sort, arrange, remove, or otherwise deal with the same; sell or dispose of the property for account of whom it may concern."",""thought"": ""All these rights that the company can exercise are clearly mentioned in the document. These rights help in understanding the power balance between the company and the insured in terms of handling of property post any kind of damage or loss. Not requiring more information in this case.""},"
"{""Question"": ""What is the account number mentioned in the document?"",""Answer"": ""The account number mentioned in the document is 0751DDA."",""thought"": ""The account number is usually used by the insurance company to keep track of the policyholder's account.""}"
"{""Question"": ""How does the insurer determine the cost of settlement for raw materials which are not manufactured by the insured?"",""Answer"": ""The replacement cost at the time and the place of the damage."",""thought"": ""This information is given under BASIS OF SETTLEMENT segment for raw material costs.""},"
"{""Question"": ""What is the company's undertaking in the Non-Cancellation Clause?"",""Answer"": ""In the Non-Cancellation Clause, the company agrees to inform DBS Bank Ltd before cancelling the policy if they have received cancellation instructions from the insured. The company also pledges to notify DBS Bank Ltd promptly about any significant changes proposed in the insurance terms."",""Thought"": ""The question is referring to the obligations of the company in the event of a policy cancellation or any major modifications in terms of the policy. The answer is directly available in the document and does not necessitate any further assumptions or additional information.""}"
"{""Question"": ""How many days' notice is required for the cancellation of the policy?"",""Answer"": ""The Cancellation Notice mentioned under this Policy is amended to read as thirty (30) days."",""thought"": ""The document specifies a requirement of 30 days' notice for cancellation, which implies there is a need for advance notice before the policy can be cancelled.""}"
"{""Question"": ""What are the exclusions specified in the war and terrorism exclusion policy?"",""Answer"": ""The insurance policy excludes any loss, damage, cost, or expense directly or indirectly caused by, related to or arising from war, acts of foreign enemies, hostilities or warlike operations, civil war, rebellion, revolution, civil commotion, and any act of terrorism. It also excludes any actions taken in controlling, preventing, or suppressing such events."",""Thought"": ""This information is directly taken from the first section of the policy titled 'U038 War and Terrorism Exclusion Endorsement'. Everything important is considered in the response.""},"
"{""Question"": ""What happens if any part of this endorsement is found to be invalid or unenforceable?"",""Answer"": ""In the event, any part of this endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and effect."",""Thought"": ""The statement about the validity/enforcement of the endorsement is clearly mentioned in the document without any reference or indication to external information.""}"
"{  ""Question"": ""What is the limit for loss from food or drinks poisoning, murder or suicide, pest and vermin, defective sanitary arrangement?"",  ""Answer"": ""The limit for such losses is S$500,000 for any one loss and in the aggregate. The indemnity period is 3 months."",  ""Thought"": ""The limit for this type of loss is clearly given in the document especially stating that its for any loss in the aggregate.""}"
"{""Question"": ""What is included in the insurance by each item under buildings as stated in F49?"",""Answer"": ""The insurance by each item under buildings includes walls, gates and fences, small outside buildings, extensions annexes, exterior staircases, fuel installation, steel or iron framework and tanks in the said premises."",""thought"": ""The information is directly mentioned in the document in section F49.""},"
"{""Question"": ""What is the limit of the Company's liability under the cost and expenses clause?"",""Answer"": ""The liability of the Company under the cost and expenses clause does not exceed 10% of the Sum Insured of the involved item, unless otherwise stated in the Schedule. It also does not exceed the total policy Sum Insured specified in the Schedule in any case."",""thought"": ""The question refers to the liability of the company outlined in the first clause of the information provided. My answer details the exact limits of the liability as mentioned in the document. No other info is necessary for this question.""  },"
"{""Question"": ""Does the policy cover loss or damage to electrical installations caused by short circuiting?"",""Answer"": ""Yes, the Electrical Installation Clause B covers loss or damage to the electrical appliances and installation caused by overrunning, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity, including lightning. However, there is no liability for the loss or damage to any electrical machine, apparatus, fixture, fitting, or any portion of the electrical installation, unless it is caused by fire or lightning."",""thought"": ""All necessary information for this question can be found in the Electrical Installation Clause B. No need for external information.""}"
"{  ""Question"": ""How will disputes related to the policy be resolved?"",  ""Answer"": ""Any dispute related to the policy will be referred to the Financial Industry Disputes Resolution Centre Ltd ('FIDReC'). If the dispute cannot be handled by FIDReC, it will 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 Singapore, comprise of three arbitrators and will be done in English."",  ""Thought"": ""The answer to this question lies in clause 2 of the document. It explains the procedure for dispute resolution.""},"
"{""Question"": ""What is the meaning of 'Computer System' in the context of this policy?"",""Answer"": ""Computer System means any computer, hardware, software, communications system, electronic device (including, but not limited to, smart phone, laptop, tablet, wearable device), server, cloud or microcontroller including any similar system or any configuration of the aforementioned and including any associated input, output, data storage device, networking equipment or back up facility, owned or operated by the Insured or any other party."",""Thought"": ""The Ndocument provides a thorough definition for 'Computer System'. No need for additional information or external sources.""  }"
"{""Question"": ""Does the policy cover losses related to Communicable Diseases?"",""Answer"": ""According to the policy, it does not insure any loss, damage, claim, cost, expense or other sum, directly or indirectly arising out of, attributable to, or occurring concurrently or in any sequence with a Communicable Disease or the fear or threat (whether actual or perceived) of a Communicable Disease."",""Thought"": ""This point was clearly mentioned under the 'Communicable Disease Endorsement' section of the provided document.""},"
"{""Question"": ""What is the policy number?"", ""Answer"": ""5135735442"", ""Thought"": ""The policy number is clearly stated in the given information.""},"
"{""Question"": ""What is the policy number of MS First Capital Insurance Limited?"",""Answer"": ""The policy number is D-23023966FAIR/9."",""Thought"": ""The policy number was found near the top of the document, it's important for identification of the specific policy under the MS First Capital Insurance Limited.""},"
"{  ""Question"": ""In what language will the proceedings be conducted?"",   ""Answer"": ""The proceedings will be conducted in English."",   ""thought"": ""The document provides information on the language of proceedings.""},"
"{""Question"": ""Does the policy cover the expenses incurred by the Insured in their efforts to recover safeguard or preserve the property insured?"",""Answer"": ""Yes, according to the Sue and Labour Clause in the event of any reasonable expenses being incurred by the Insured in their efforts to recover safeguard or preserve the property insured to minimise any loss insured by the Policy or to prosecute in the Insured's own name any claim for indemnity or damage or otherwise against any persons in respect of such loss the Company shall pay such expenses."",""Thought"": ""The information is provided under the 'Sue and Labour Clause'. No additional information outside the document was needed to answer this question.""},"
"{""Question"": ""Is third-party motor vehicle liability included in the coverage?"",""Answer"": ""No, the third-party motor vehicle liability is not included in the insurance coverage."",""Thought"": ""The document clearly states 'Section 6 - Third Party Motor Vehicle Liability NOT TAKEN'.""},"
"{    ""Question"": ""Under which conditions does the insurance cease to attach as regards the property affected?"",    ""Answer"": ""The insurance ceases to attach as regards the property affected under several specific circumstances; if the trade or manufacture carried on be altered, if the nature of the occupation or other circumstances affecting the building insured or containing the insured property are changed to increase the risk of loss or damage by fire, if the building insured becomes unoccupied for more than 30 days, if the insured property is removed to any other place, if the interest in insured property passes from the Insured otherwise than by will or operation of law."",    ""thought"": ""This is entailed in Condition 6 - Alterations. All of these situations remove the insurance coverage unless permission is obtained from the insurance company before any loss or damage occurs. The conditions listed lead to a potential increase in risk which affects the insurance contract.""}"
"{""Question"": ""Who is the First Named Insured?"", ""Answer"": ""ECP Beach Corp."", ""Thought"": ""The first named insured is directly mentioned in the document as ECP Beach Corp.""},"
"{""Question"": ""In the property at 96/96A Summer Avenue, what are the buildings excluding?"",""Answer"": ""The insured building property at 96/96A Summer Avenue excludes foundations."",""thought"": ""The document mentions that the item property insured for all the listed properties includes 'Building excluding foundations'.""},"
"{""Question"": ""What is the policy number of the insured?"",""Answer"": ""The policy number of the insured is 5135735442."",""Thought"": ""The policy number is clearly stated in the provided document, so no additional information was needed to answer this question.""}, "
"{""Question"": ""What is a 'Sanction Limitation and Exclusion' as mentioned in the document?"",""Answer"": ""A 'Sanction Limitation and Exclusion' means that no insurer is liable to provide cover, pay any claim or provide any benefit if doing so may expose that insurer to the risk of or result in any breach or violation of any sanction, prohibition, restriction or regulations imposed by any state or transnational organization."",""thought"": ""The question asks for the definition of 'Sanction Limitation and Exclusion' which is provided directly in the insurance contract, no additional information was required.""}"
"{""Question"": ""What is the policy number of MS First Capital Insurance Limited?"",""Answer"": ""The policy number of MS First Capital Insurance Limited is D-23023966FAIR/9."",""Thought"": ""The policy number was directly mentioned in the financial document provided. Thus, no assumption or calculation was required to form the answer.""},"
"{""Question"": ""Does policy number MAR/23-MA001405-R001 offer coverage for errors and omissions?"",""Answer"": ""Yes, the policy covers inadvertent delay, errors, or omission in notifying the insurers of any circumstances or events likely to give rise to a claim under this policy."",""thought"": ""The policy document clearly states the coverage for errors and omissions. No additional external data is necessary.""},"
"{""Question"": ""Which policy exclusions has been deleted as noted in the memorandum?"",""Answer"": ""The policy exclusions No. 4 has been deleted."",""thought"": ""The information is directly pulled from the memorandum 1 in the financial information.""},"
"{""Question"": ""What is the total sum insured for the policy number B 300558534 MAR?"",""Answer"": ""The total sum insured for policy number B 300558534 MAR is SGD 3,744,235.28."",""thought"": ""This information can be directly pulled from the financial details provided, no additional information is needed.""},"
"{""Question"": ""What type of property does the 'Property Stored/ in Transit' section of the policy cover?"",""Answer"": ""The 'Property Stored/ in Transit' section of the policy covers property of the insured while it is stored in premises of class one construction anywhere in Singapore, Malaysia and Brunei and also while it is in transit by road in these countries. However, this does not apply to any machinery or plant in transit within Singapore."",""thought"": ""The details of the property covered under 'Property Stored/ in Transit' is mentioned in the document. No outside information is needed.""}"
"{""Question"": ""What is included in the purchase of the Guidance System?"",""Answer"": ""The Guidance System includes the TUnIS Navigation MTLaser Integral Module, Module MDT, TUnIS Navigation MTHydroLevel, Water Hoses, PLC Repeater Box, Data Cables, and Software License TUnIS Navigation MTGyro."",""thought"": ""The information about what is included in the Guidance System was provided directly in the document.""}"
"{""Question"": ""What happens if there is a fall or displacement of the insured building not caused by fire?"",""Answer"": ""The policy coverage ceases immediately if there is a fall or displacement of the insured building or any part thereof not caused by fire. If the fall or displacement is material or increases the risk of fire or impairs the use of the building then the insurance ceases immediately. However, if the fall or displacement is caused by fire, loss or damage by which is covered by this Policy."",""thought"": ""Under the 'Fallen Buildings' section, it stipulates the conditions where coverage may cease.""},"
"{""Question"": ""What is defined as Cyber Loss in the policy?"",""Answer"": ""Cyber Loss is any loss, damage, liability, claim, cost or expense of whatsoever nature directly or indirectly caused by, contributed to by, resulting from, arising out of or in connection with any Cyber Act."",""Thought"": ""The definition of Cyber Loss was directly stated in the given financial information.""},"
"{""Question"": ""To whom shall all proceeds be paid?"",  ""Answer"": ""All proceeds shall be paid to the mortgagee without deduction, set-off or counterclaim in respect of any outstanding premiums or calls on it."",  ""thought"": ""This was stated under the DECLARED AND AGREED points in the policy details.""}"
"{""Question"": ""If the insured decided to communicate with the insurers, verbal or written, who should they contact?"",""Answer"": ""They should contact the Leading Insurer, MS First Capital Insurance Limited."",""thought"": ""The document states that any notice given sal be deemed to have been given to the Co-insurers.""}"
"{""Question"": ""What does the property damage covered under this insurance policy?"", ""Answer"": ""The property damage covered under this insurance refers to physical damage to the substance of the property. It does not include damage to data or software. However, loss of or damage to data or software which is the direct consequence of insured physical damage to the substance of the property shall be covered"",""thought"": ""The information provided gives clear guidelines about property damage covered in the policy. It specifically states that physical damage to the property is covered, but damage to data or software isn't unless it is the direct result of physical damage to the property. No additional information is needed.""},"
"{  ""Question"":""Does the policy cover losses or damages caused by automatic sprinkler leakage?"",  ""Answer"":""Yes, the policy covers losses or damages caused by accidental water discharge or leakage from any automatic sprinkler installation. However, it does not cover damage occurring during repairs or alterations to the installation, or when the property is vacant or unoccupied."",  ""thought"":""The information is provided under the 'Automatic Sprinkler Leakage Endorsement' section in the text.""},"
"{""Question"": ""What is the policy number of this industrial all risks insurance?"",""Answer"": ""The policy number is 2022-F0250513-IAR-R001."",""thought"": ""The policy number was directly stated in the given financial document. The identification was straightforward with no need for additional external data to answer the question.""},"
"{""Question"": ""Which perils exclusions does the insurance policy cover?"",""Answer"": ""The policy does not cover damages or liabilities caused directly or indirectly by war, invasion, act of foreign enemy, civil war, rebellion, revolution, insurrection, military or usurped power, confiscation, nationalisation, requisition, expropriation or damage to property by order of any government, any property damage, loss or expense, legal liability, ionising radiations or contamination by radioactivity, explosive nuclear assembly or nuclear component, nuclear weapons material, loss of weight, evaporation, inherent vice, latent defect, action of damp atmosphere, insect, vermin, rust, oxidation, pollution, changes in colour, flavour, texture or finish, normal wear and tear, fading, scratching, marring, errors or omissions in design, plan, and normal settling, seepage, shrinkage or expansion in buildings or foundations, walls, pavements, roads and other structural improvements."",""thought"": ""All of the policy exclusions were found directly in the provided text. There was no need to infer or seek information from external sources.""},"
"{""Question"": ""What is the condition for the 2.5% discount off the rate for the first and second year as per Memorandum 1?"",""Answer"": ""In consideration of a discount of 2.5% off the rate for the first and second year in this policy, the Insured is required to continue the insurance for a period of two years from 1 January 2023 and pay the premium annual in advance. If the insurance is not renewed from 1 January 2024 to 31 December 2024, the discount allowed shall be refunded to the insurer."",""Thought"": ""The conditions for the 2.5% discount off were stated in Memorandum 1 of the text. No further information was needed.""},"
"{""Question"": ""What is the indemnity period of the insurance policy."",""Answer"": ""24 months for Business Interruption"",""thought"": ""The indemnity period information is included in the document under the section titled 'Indemnity Period', so no additional data or reference is needed.""}"
"{""Question"": ""What is the serial number for the AVN1800TB Tunneling Machine?"",""Answer"": ""The serial number for the AVN1800TB Tunneling Machine is 27356."",""thought"": ""The serial number 27356 was directly tied to the AVN1800TB Tunneling Machine in the financial document.""},"
"{""Question"": ""What is the total due amount?"",""Answer"": ""The total due amount is SGD 4,427.13."",""Thought"": ""Since the user is inquiring about total due amount, I checked for 'Total Due SGD' in the document.""},"
"{""Question"": ""Does the policy cover the insurance of property moved to other premises?"",""Answer"": ""Yes, the property insured under this policy, removed to other premises is allowed and insured. However, the insurers shall not be liable for any amount exceeding the Sub Limit of Liability stated in the Schedule against 'Off Premises Property in the Custody of Third Parties', unless otherwise specifically agreed in writing."",""thought"": ""The section 48 'Off Premises Clause (Outside Location Clause)' distinctly explains about the coverage of the property moved to other premises, thus fully answering the question.""},"
"{""Question"": ""What is the Company's liability in case the property is damaged by Fire or Lightning?"",""Answer"": ""If the property is damaged by Fire or Lightning, the Company will pay the value of the property at the time of the destruction or the amount of the damage. However, the liability of the Company shall not exceed the sum expressed to be insured on each item in the Schedule, nor the total sum insured, or any other sum substituted by endorsement."",""thought"": ""The information is directly provided in the document. However, the exact amount or sum is not defined in the provided context; it may be specified in the Schedule, which is not part of the provided text.""},"
"{""Question"": ""When does the Fire Insurance policy expire?"",""Answer"": ""The Fire Insurance policy is set to expire on 01/2023."",""thought"": ""The expiration date is provided at the top of the document, right after the policy number. No other information redirects from this date.""},"
"{""Question"": ""What is the name of the insurance company?"",""Answer"": ""HSBC Life (Singapore) Pte. Ltd."",""Thought"": ""The name of the insurance company was provided in the information.""},"
"{""Question"": ""What is the date of issue for this policy?"",""Answer"": ""The date of issue for this policy is 19/04/2023."",""thought"": ""The date of issue was mentioned at the beginning of the document.""},"
"{""Question"": ""What is the liability of the company under this policy?"", ""Answer"": ""The liability of the company under this policy shall not exceed in the whole 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."",""Thought"": ""The text of the document mentions the conditions which highlight the maximum liability the company has under the policy. The limit of liability stated in the schedule of the insurance policy is crucial for this matter. ""},"
"{""Question"": ""What type of loss does the company specifically state it would not be liable for?"",""Answer"": ""The company will not be liable for consequential loss of any kind, loss or damage caused by hail (driven by wind or not), loss or damage caused by subsidence or landslip (except when it's caused by earthquake or volcanic eruption), loss or damage caused by explosion (except as provided in Additional Perils F5 of the policy) and loss by reason of any ordinance or law regulating the construction or repair of buildings."",""thought"": ""The information clearly provides a list of losses or damages the company would not be responsible for. These losses are excluded from the coverage according to the policy details given.""},"
"{  ""Question"": ""What is the address of MS First Capital Insurance Limited's Claims & Motor Underwriting Dept?"",  ""Answer"": ""The address of MS First Capital Insurance Limited's Claims & Motor Underwriting Dept is 16 Raffles Quay #42-01 Hong Leong Building Singapore 048581."",  ""thought"": ""The address has been clearly written in the document.""},"
"{""Question"": ""What conditions are outlined in the 'Sanction Limitation and Exclusion Clause'?"",""Answer"": ""The company is not obliged to honor any claim or provide any benefits that would expose it to any sanction, prohibition, or restriction under United Nations resolutions or the trade or economic sanctions, laws, or regulations of the European Union, United Kingdom, or United States of America."", ""Thought"": ""This response is given based on the information in the section titled 'U039 Sanction Limitation and Exclusion Clause'. No additional details are needed as the answer is self-explanatory.""},"
"{""Question"": ""Can the insurance claim be affected by delays in notification?"",""Answer"": ""No, the policy states that the insurance will not be prejudiced by inadvertent delays, errors, or omissions in notifying the insurers of any circumstances or events that could lead to a claim."",""thought"": ""This was directly mentioned in policy point 15. It did not need any other external document to derive the conclusion.""},"
"{""Question"": ""What precautions should the insured take to prevent loss?"",""Answer"": ""The insured should take reasonable precautions in the selection of labour, procedures and methods in conducting its Business or any of the insured property. The insurers shall at all reasonable times have access by its representatives to examine any such plant and appliances. The insured should also take and cause to be taken reasonable precautions to prevent damage and/or loss, business interruption or liability for which indemnity is provided hereunder."",""Thought"": ""The precautions to prevent loss are outlined in section 5 titled 'Precautions to prevent loss'.""},"
"{""Question"": ""Does the policy cover the cost of recompiling records and claim preparation?"",""Answer"": ""Yes, the insurance policy covers the cost of recompiling records and claim preparation."",""Thought"": ""The 'Costs of Recompiling Records and Claim Preparation Clause' verifies that the policy covers the cost of recompiling records and claim preparation.""},"
"{""Question"": ""What happens if the reinstatement or repair is carried out by the insured themselves?"",""Answer"": ""If the insured undertakes the reinstatement or repair of the damaged property, the Insurers will cover the cost of such reinstatement or repair, which includes the value of labour, other overhead charges, and a reasonable margin for profit."",""thought"": ""It is understood from the document that the insurer is willing to cover the costs if the insured chooses to take on the repair or reinstatement work, this is likely as long as the costs do not exceed what would have been incurred if independent contractors were hired. Further enquiry would be needed to determine the specific limits of this clause.""},"
"{""Question"": ""Who is the insurance arranged and managed by?"",""Answer"": ""The insurance is arranged and managed by Underwriting Agencies of Singapore Pte Ltd."",""Thought"": ""The information for this answer was taken directly from the given details without needing any additional details.""},"
"{""Question"": ""Is damage to movable property in the open caused by weather conditions covered?"",""Answer"": ""Yes"",""thought"": ""The document specifies that damage to movable property in the open, fences and gates caused by wind, rain, hail, sleet, snow, flood, or dust is covered. This implies that weather-related damages are included in the policy.""},"
"{""Question"": ""What is the timeframe given for the work of reinstatement to be completed after the destruction or damage?"",""Answer"": ""The work of reinstatement must be completed within twelve months after the destruction or damage."",""thought"": ""In the document, it is clearly stated that the work of reinstatement should be started immediately or as soon as possible and must be completed within a year (12 months) after the destruction or damage. This timeline is important to ensure prompt and efficient claim service.""},"
"{""Question"": ""Who is the Chief Executive Officer of the company?"",""Answer"": ""Mack Eng is the Chief Executive Officer of the company."",""thought"": ""The document directly states the name of the CEO hence it was straight forward to identify.""},"
"{  ""Question"": ""What is the maximum coverage for damage to Awnings, Blinds, Signs or Outdoor Fixtures?"",  ""Answer"": ""The maximum coverage for damage to Awnings, Blinds, Signs or Outdoor Fixtures is $10,000."",  ""thought"": ""This information is provided in the 'Awnings, Blinds, Signs or Outdoor Fixtures/Fittings Of Any Description' section. The amount covered for these specific items is capped at $10,000.""}"
"{""Question"": ""What is excluded from this agreement with regards to data or software?"",""Answer"": ""The agreement excludes loss or damage to data or software, particularly 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. It also excludes loss or damage resulting from an impairment in the function, availability, range of use, or accessibility of data, software or computer programs, and any business interruption losses resulting from such loss or damage."",""Thought"": ""The answer is directly provided in the text under the '14 Clarification Agreement'. Additional information is not necessary."" },"
"{  ""Question"":""What is the coverage limit for damages related to changes in a temperature controlled environment?"",  ""Answer"":""The coverage limit for damages related to changes in a temperature controlled environment is SGD 5,000,000."",  ""thought"":""The information is directly provided - 'Changes in Temperature Controlled Environment (Limit: SGD 5,000,000)'. No further redirection is required.""},"
"{""Question"": ""What is meant by 'Cyber Incident' according to the policy?"",""Answer"": ""According to the policy, a 'Cyber Incident' refers to any error or omission or series of related errors or omissions involving access to, processing of, use of or operation of any Computer System; or any partial or total unavailability or failure or series of related partial or total unavailability or failures to access, process, use or operate any Computer System."",""Thought"": ""The policy definition for 'Cyber Incident' was directly mentioned in the provided text.""}, "
"{""Question"": ""What does the company require before cancelling the policy?"",""Answer"": ""The company requires to obtain the mortgagee (chargee) consent prior to the cancellation of the policy."",""thought"": ""The document states the company's requirements for cancelling the policy under the 'Non-Cancellation Clause'. Further information is not needed.""}"
"{""Question"": ""What is the total sum insured for the property at 96/96A Summer Avenue?"",""Answer"": ""The total sum insured for the property at 96/96A Summer Avenue is SGD1,110,000."",""thought"": ""The document mentions the total sum insured for each individual property and for the property located at 96/96A Summer Avenue, the insured sum is SGD1,110,000.""},"
"{""Question"": ""What is the basis of valuation for electronic data processing media?"",""Answer"": ""The basis of valuation for electronic data processing media is the cost of the blank media plus the costs of copying the electronic data from back-up or from originals of a previous generation. These costs do not include research and engineering or any costs of recreating, gathering or assembling such electronic data. If the media is not repaired, replaced or restored the basis of valuation becomes the cost of blank media."",""thought"": ""The basis of valuation for electronic data processing media is clearly defined in the document. It essentially involves the cost of the blank media and the copying cost from back-up or original. However, it doesn't involve research, engineering, and data recreation costs. If the media is not repaired or replaced, the valuation is simply the cost of blank media.""},"
"{""Question"": ""Who is the policy insured under?"",""Answer"": ""The policy is insured under the name of 'ABC Trustee Limited as Trustee of Paradise REIT and/or DBS Bank Ltd as Security Trustee and Mortgagee and Chargee for DBS Bank Ltd and/or Para Paradise Management Pte Ltd as REIT Manager and/or Sing A Song Property Management Services Pte Ltd as Property Manager for their respective rights and interests'."",""Thought"": ""The 'Insured Name' is clearly mentioned in the provided financial document. As there is no additional information provided to contradict or clarify this, it is safe to assume that this is the name under which the policy is insured.""},"
"{""Question"": ""What coverage does the policy provide in terms of damage?"",""Answer"": ""The policy extends to cover the Insured's liability for customs, excise and other duties which the Insured may become liable to pay in the event of Damage to property Insured. It also includes costs and expenses incurred by the Insured in connection with statutory enquiries or other enquiries following Damage to Property Insured. The policy covers Damage to landscaping as well."",""thought"": ""The policy appears to cover a variety of scenarios related to damage occurring to the insured property, including covering the insured party's liabilities related to customs and other duties, costs related to inquiries following damage, and even damage to landscaping. This is all clearly stated in the document.""}"
"{""Question"": ""Who is the main insurer for this Policy?"",""Answer"": ""MS First Capital Insurance Limited"",""thought"": ""The document clearly mentions MS First Capital Insurance Limited as the leading insurer.""},"
"{""Question"": ""What is the name of the insured company?"",""Answer"": ""The name of the insured company is Small Tunnel Pte Ltd."",""Thought"": ""The insured information was present on the document so I was able to answer directly.""}"
"{""Question"": ""What is the business category of the insured?"",""Answer"": ""The insured business category is Water & Gas Pipe-line and Sewer Construction contractor."",""Thought"": ""This information was provided under the 'Business' section in the document.""}"
"{""Question"": ""What is the limit for the Third Party Property in Custody of Insured?"",""Answer"": ""The limit for the Third Party Property in Custody of Insured is SGD 10,000,000."",""thought"": ""The document provides this information directly. There is no need to look for additional data elsewhere.""}"
"{""Question"": ""What happens to the policy cover after the expiry of the 60-day period?"",""Answer"": ""The cover under the Policy, Renewal Certificate or Cover Note is automatically terminated immediately after the expiry of the 60-day period."",""thought"": ""The policy documents clearly state that the cover will be automatically terminated after the expiry of the 60-day period so no further information outside the provided document is needed.""}"
"{""Question"": ""What is the policy number for the Industrial All Risks schedule?"",""Answer"": ""The policy number is 2022-F0250513-IAR-R001."",""thought"": ""The policy number was provided directly in the financial document, no additional information needed."" },"
"{""Question"": ""What is the co.Reg. No. of MS First Capital Insurance Limited?"",""Answer"": ""The co.Reg. No. of MS First Capital Insurance Limited is 195000106C."",""thought"": ""The co.Reg. No. is clearly stated in the document, no further documents or information required.""},"
"{""Question"": ""What is the serial number and specifications of the item under purchase 19?"",""Answer"": ""The serial number for the item under Purchase 19 Launch Seal OD3000 is 28360. Its specifications are Outside Dia. 3 000mm, Height 3 900mm, Width 3 950mm, Length 620mm."",""thought"": ""The serial number and specifications for this item are clearly mentioned in the document under 'Purchase 19'.""}, "
"{""Question"": ""How does the insurance policy handle changes to the insured's interest in the property if a sale has been contracted but not completed at the time of damage?"",""Answer"": ""If the insured has contracted to sell his interest in a building and the damage occurs before the purchase is completed, the purchaser, if and so far as the property is not otherwise insured by or on behalf of the purchaser against such destruction or damage, shall be entitled to the benefit of this Policy so far as it related to such destruction or damage without prejudice to the rights and liabilities of the Insured or the Insurers under this Policy up to the date of completion."",""thought"": ""The 'Purchaser's Interest Clause' details how the insurance policy applies to a pending sale transaction at the time of damage. Even though it's quite a detailed scenario, the document provides all the necessary information to answer this query.""}"
"{""Question"": ""What is the Limit for Landslip and Subsidence? And to where it is applicable?"",""Answer"": ""The Limit for Landslip and Subsidence is SGD10,000,000 and it is applicable to The Rose Mall."",""thought"": ""The answer was found in the list of policy inclusions, specifically number 43.""},"
"{  ""Question"": ""What type of insurance policy does Nam Nam Pte Ltd have?"",  ""Answer"": ""Nam Nam Pte Ltd has a Fire Insurance policy."",  ""thought"": ""Fire Insurance is a type of insurance policy that covers damage or loss to a property because of fire. The document specifies this as the type of policy that Nam Nam Pte Ltd possesses.""}"
"{""Question"": ""Who is the authorised signatory of the insurance policy?"",""Answer"": ""The insurance policy is signed for and on behalf of SOMPO INSURANCE SINGAPORE PTE. LTD."",""thought"": ""The information was directly addressed in the statement 'Signed on this 19th day of April 2023 for and on behalf of SOMPO INSURANCE SINGAPORE PTE. LTD.'""},"
"{""Question"": ""What are the prerequisites for the validity of the Policy, according to the 'Condition Precedent' in clause 15?"",""Answer"": ""The validity of the Policy is subject to the following conditions: 1) For the risk insured, the named insured has never had any insurance terminated in the last twelve (12) months due solely or in part to a breach of any premium payment condition; or 2) 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; 3) 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 4) 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 'Condition Precedent' clause clearly outlines four conditions that need to be met for policy validation. The question directly seeks these conditions, hence there is no redirection to other parts of the document or external information.""},"
"{""Question"": ""What is the gst Reg. no. of MS First Capital Insurance Limited?"",""Answer"": ""The gst Reg. no. of MS First Capital Insurance Limited is M2-oooi676-9."",""thought"": ""The gst Reg. no. is clearly stated in the document, no further documents or information required.""},"
"{""Question"": ""What is outlined in the Premium Payment Warranty?"",""Answer"": ""The Premium Payment Warranty states that if the period of insurance is 60 days or more, any premium due must be paid and actually received in full by the Company (or the intermediary through whom this Policy was effected) within 60 days of the inception date of the coverage under the Policy, Renewal Certificate or Cover Note."",""thought"": ""The information comes from the 'Premium Payment Warranty' section.""}"
"{""Question"": ""What is the risk number for the property at 91/91A Summer Road?"",""Answer"": ""The risk number for property at 91/91A Summer Road is 4."",""thought"": ""The document mentions risk numbers for each property, the risk number associated with the policy for 91/91A Summer Road is 4.""},"
"{""Question"": ""What is the requirement for cranes according to the policy?"",""Answer"": ""All cranes must be fitted with automatic safe load indicators, positioned on compacted ground with attention to crane leveling and should be fully inspected prior to the lift."",""thought"": ""The answer was obtained from points 'b), 'c)', and 'd)' of the provided document details. This information is straightforwardly provided in the document so no external resources were required to obtain the answer.""},"
"{""Question"": ""What does the Notice of Cancellation by the Company refer to in 'Policy General Condition 4'?"",""Answer"": ""According to 'Policy General Condition 4', the Notice of Cancellation by the Company has been amended to 30 days."",""Thought"": ""The document provided the required information to answer this question. No information from outside the document was necessary.""}"
"{""Question"": ""Up to what percentage of the Sum Insured is each item of property insured under this policy covered while temporarily removed for a purpose like cleaning, renovation, modification, repair or similar?"",""Answer"": ""Each item of property insured under this policy is covered up to a limit of 10% of the Sum Insured in respect of such items when temporarily removed for cleaning, renovation, modification, repair or similar purpose."",""Thought"": ""This information is given under the 'Temporary Removal Clause' of the policy. No additional information outside the document was needed to answer.""},"
"{""Question"": ""What is the company's liability in case of stock in trade kept in vehicle or container?"", ""Answer"": ""The company's liability shall not exceed the sum of S$50,000 or 10% of the sum insured on stock whichever is the lesser."", ""Thought"": ""The information is explicitly stated in the last paragraph of the document, the liability of the insurance company is limited to SGD 50,000 or 10% of the sum insured for stock, whichever is less.""}"
"{""Question"": ""What is the company's policy number?"",""Answer"": ""The company's policy number is D-23023966FAIR/9"",""Thought"": ""The policy number is clearly stated in the given text. No additional resource is needed.""},"
"{""Question"": ""Which bank has an interest in this insurance policy?"",""Answer"": ""UOB Ltd has an interest in this insurance policy."",""Thought"": ""The information about the bank's interest is in the document, though I needed to make sure to read the complete insured property information.""}"
"{""Question"": ""What actions should the insured take upon discovery of damage recoverable under their policy?"",""Answer"": ""Upon the discovery of damage, the insured should (a) give written notice as soon as reasonably practicable to the insurers and supply full particulars in a form reasonably required by the insurers; (b) at the expense of the insurers, take all reasonable steps to protect the insured property from further damage and to mitigate the actual or potential amount of the claim; (c) take all reasonable steps from their standpoint as soon as reasonably practical for the purpose of recovering any property lost; (d) ensure not to abandon any property to the insurers, regardless of whether they've taken possession of it or not; and (e) if required by the insurers, produce or give reasonable access to any property which has been damaged."",""Thought"": ""The claims procedure is clearly outlined in the section titled 'Claims Procedure and Recoveries.'""},"
"{ ""Question"": ""What is the address of the insured?"", ""Answer"": ""123-03 WELL WATER TOWER, 3 GARDEN ROAD HONG KONG, HONGKONG"", ""thought"": ""The address is explicitly mentioned in the document. There is no need to source information from another document."" },"
"{  ""Question"": ""What is the limit for machinery breakdown and business interruption?"",  ""Answer"": ""The limit is S$2,000,000/- for any one occurrence and in the annual aggregate."",  ""thought"": ""The limit for machinery breakdown and business interruption is mentioned in the policy, no further information is required.""},"
"{""Question"": ""What is the contact phone number for Great Eastern General Insurance Limited?"",""Answer"": ""The contact phone number is +65 6248 2888."",""Thought"": ""The contact number is mentioned in the financial document.""},"
"{""Question"": ""What is the total sum insured?"",""Answer"": ""The total sum insured is SGD22,510,000"",""thought"": ""The total insured sum is mentioned within the document, requiring no additional information.""}"
"{""Question"": ""What is the maximum coverage for fire brigade charges and extinguishing costs?"",""Answer"": ""The maximum coverage for fire brigade charges and extinguishing costs is up to S$5,000.00."",""thought"": ""The financial document provides clear information about the maximum coverage for fire brigade charges and extinguishing costs, allowing for the formulation of a definitive answer.""},"
"{""Question"": ""What is the total aggregate amount recoverable under the clause for recompiling records and claim preparation?"",""Answer"": ""The total aggregate amount recoverable under the extension during any one period of insurance does not exceed $2,500 or as otherwise specified in the Schedule."",""thought"": ""The question sought a specific figure for the total recoverable amount under a certain policy extension, which is clearly provided in the document. No external information was needed.""},"
"{""Question"": ""What is the address of the First Named Insured?"", ""Answer"": ""5500 Sandy Street, Las Vegas, NV 889989, United States of America."", ""Thought"": ""The address of the first named insured is given in the document. It includes the street, city, state, and country.""},"
"{""Question"": ""What happens if the total replacement value and the total volume of a destroyed building are lesser than the purchased one in MS First Capital Insurance Limited?"",""Answer"": ""If the total replacement value and volume of the destroyed building are less than the purchased one, then the total amount recoverable includes an additional amount equal to but not exceeding the equivalent proportion of the amount that would have been payable under Section I if this provision had not been incorporated."",""thought"": ""The answer is based on the provision of the policy stated in the document.""},"
"{""Question"": ""What is the Appraisement Clause in regards to a loss?"",""Answer"": ""If the aggregate claim for any loss does not exceed $5,000 or 5% of the Sum Insured whichever is the lesser amount by the item or items affected no special inventory or appraisement of the undamaged property shall be required."",""thought"": ""The document mentions that if a loss doesn't exceed $5,000 or 5% of the sum insured, there's no need for a special inventory or appraisal. Therefore, no additional information is required.""}"
"{""Question"": ""What is the policy number for the provided insurance?"",""Answer"": ""The policy number for the provided insurance is D-23023966FAIR/9."",""Thought"": ""The policy number was found within the first paragraph of the document. This typically holds true across most insurance policy documents. There is no further clarification needed as the policy number is generally unique and would directly relate back to this particular policy.""},"
"{""Question"": ""What are the deductible amounts for landslip & subsidence and water damage under the material damage section?"",""Answer"": ""The deductible amount for landslip & subsidence is S$15,000.00 and for water damage is S$ 1,500.00."",""thought"": ""The document provided states these deductible amounts directly under the 'Material Damage' section.""},"
"{""Question"": ""What is the Automatic Extension to Period of Insurance in the policy?"",""Answer"": ""The policy states that insurers shall automatically extend the Period of Insurance under the Policy for 30 days if required by the Insured, subject to terms and conditions to be agreed and additional Premium to be charged on pro-rata basis. The Insurers will not require more than a pro-rata additional Premium for the extension, subject to Leading Insurer’s agreement."",""thought"": ""The information is straightforward and contained within the text document. There is no need to infer or redirect for additional information.""},"
"{""Question"": ""When was the policy issued?"",""Answer"": ""The policy was issued on 29/12/2022."",""thought"": ""The date of issue is mentioned in the document under 'POLICY INFORMATION'. No additional information or redirection needed.""},"
"{""Question"": ""What is excluded under 'Cyber Loss' in the policy?"",""Answer"": ""The contract excludes any Cyber Loss due to a Cyber Act. The Cyber Loss includes any loss, damage, liability, expense, fines or penalties, or any amount caused directly or indirectly by the use or operation of any Computer System or Network, the reduction or loss of ability to use such systems, access to or use of any Data, or any errors or omissions in respect of such systems or data."",""thought"": ""The information provided in the insurance contract clause was used to provide a summarised answer.""},"
"{""Question"": ""What is the notice of cancellation period amendment made by the company?"",""Answer"": ""The notice of cancellation period by the company is amended to 14 days."",""thought"": ""The document states in the 'Policy Condition 9' segment that the company has amended the notice of cancellation period to 14 days. This was straightforward to find as it was clearly mentioned in the document.""},"
"{  ""Question"": ""What will be the maximum liability of the Company under this policy?"",  ""Answer"": ""The liability of the Company under this policy shall not exceed in the whole 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."",  ""Thought"": ""The maximum liability of the Company in case of an insured loss is specifically stated in the document.""},"
"{""Question"": ""What is the policy number of the insured?"",""Answer"": ""The policy number of the insured is D-23023966FAIR/9"",""thought"": ""The policy number can be located directly under the company's name and contact details. There seems to be no other relevant entity involved with this question.""},"
"{""Question"": ""What are some types of damage that the Insurers will not be liable for according to this Memorandum?"",""Answer"": ""The Insurers will not be liable for damage due to cracks or fractures to any sewer piping, underground gas piping, piping forming part of any sprinkler system or water piping other than boiler feed water piping, boiler condensation return piping or water piping connecting to or used with an air conditioning system; any damage to vehicles or mobile equipment whilst being driven on a public thoroughfare (but damage to such vehicle or mobile equipment whilst used at any situation as a tool of trade is not excluded); any aircraft or floating vessel; damage due to normal wear and tear and gradual deterioration (whether by wasting, grooving, rust, corrosion, erosion or otherwise) nor for the cost of maintenance work generally."",""Thought"": ""The insurer's liabilities were clearly stated in the document under the 'The Insurers shall not be liable for damage' section. A further detailed list of what is not covered by the policy can be found under the subparagraphs of point 3 and 4.""},"
"{""Question"": ""What is the address of MS First Capital Insurance Limited?"",""Answer"": ""6 Raffles Quay #21-00 Singapore 048580"",""thought"": ""The given document includes information about the address of the company MS First Capital Insurance Limited.""},"
"{""Question"": ""What is the limit for the Spontaneous Combustion Clause?"",""Answer"": ""The limit for the Spontaneous Combustion Clause is S$1,000,000/- for any one event."",""thought"": ""The limit for the Spontaneous Combustion Clause is explicitly mentioned in the document under the 'Spontaneous Combustion Clause' section.""},"
"{""Question"": ""Under what circumstances the Company shall not be liable to provide cover or pay any claim?"",""Answer"": ""The Company shall not be deemed to provide cover and will not be liable to pay any claim or provide any benefit if doing so would expose the Company to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America."",""thought"": ""The information is explicitly stated in the 'Sanction Limitation and Exclusion Clause' of the document. No further details or outside sources needed for this question.""},"
"{""Question"": ""What is the policy number of MS First Capital Insurance Limited?"",""Answer"": ""The policy number of MS First Capital Insurance Limited is D-23023966FAIR/9."",""thought"": ""The policy number is clearly mentioned in the document.""},"
"{""Question"": ""What does the clause 'Hazardous goods and Employees of Others'in the policy state?"",""Answer"": ""The 'Hazardous goods and Employees of Others' clause allows the storage of hazardous goods usual to trade and/or occupation, even if it exceeds statutory or regulatory limits. It also permits workers not employed by the insured entity to carry out work within and around insured locations. These provisions will not impact the indemnity provided by the policy."",""thought"": ""The answer is directly found in policy point 13. No outside information is required.""},"
"{""Question"": ""What are the contact details for MS First Capital Insurance Limited?"",""Answer"": ""6 Raffles Quay #21-00 Singapore 048580, Tel: (65) 6222 2311, Fax: (65) 6222 3547. Their claims & Motor underwriting Dept is located at 16 Raffles Quay #42-01 Hong Leong Building Singapore 048581, Tel: (65) 6507 3848, Fax: (65) 6507 3849"",""thought"": ""The information needed for this question was straightforward and directly mentioned in the document.""},"
"{""Question"": ""What happens if the premium due is not fully paid and received within 60 days?"",""Answer"": ""If the 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 right after the expiry of the 60-day period without prejudice to any liability incurred within the 60-day period."",""Thought"": ""The consequences of not paying the full premium within 60 days was well outlined in the financial document.""},"
"{""Question"": ""What is the policy number of MS First Capital Insurance Limited?"",""Answer"": ""The policy number of MS First Capital Insurance Limited is D-23023966FAIR/9."",""Thought"": ""The policy number was clearly indicated in the financial information provided.""},"
"{""Question"": ""What does the communicable disease endorsement cover in this policy?"",""Answer"": ""The communicable disease endorsement, subject to all applicable terms, conditions, and exclusions, covers losses attributable to direct physical loss or physical damage occurring during the period of insurance. However, this policy does not insure any loss, damage, claim, cost, expense, or other sum, directly or indirectly arising out of, attributable to, or occurring concurrently or in any sequence with a Communicable Disease or the fear or threat of a Communicable Disease."",""Thought"": ""The information provided thoroughly covers the extent of the communicable disease endorsement in the insurance policy. No further external information is required.""},"
"{""Question"": ""According to F50, will the company make payment on account in the event of a loss under this insurance?"",""Answer"": ""Yes, if the insured desires, the Company will make payment on account in the event of a loss under this insurance."",""thought"": ""This information is stated in section F50 of the document. There is no need to redirect or look into additional documents.""},"
"{""Question"": ""What is the impact of non-payment of premium for increased hazards?"",""Answer"": ""Non-payment of premium for increased hazard shall render the policy null and void unless it has been noted thereon by the insurer."",""thought"": ""The document clearly explains the impact of non-payment of premium for increased risks. No additional information is required from outside sources.""},"
"{""Question"": ""What is the Sub-Limit for the 'Cost Of Demolition & Clearing & Erection Of Hoarding Clause'?"",""Answer"": ""The Sub-Limit for the 'Cost Of Demolition & Clearing & Erection Of Hoarding Clause' is SGD100,000."",""Thought"": ""The information is directly provided in the document under the Sub-Limits section.""   },"
"{  ""Question"": ""What does the Automatic Reinstatement Clause state?"",  ""Answer"": ""The Automatic Reinstatement Clause in the policy means that in the event of loss or damage to the insured property, the amount of insurance cancellation due to loss will be automatically reinstated from the date of loss, unless otherwise notified by the company. The Insured is required to pay any additional premium required for such reinstatement."",  ""thought"": ""The statement of the clause was directly given in the document, no further information required.""},"
"{""Question"": ""What is the definition of 'terrorism' as per the document?"",""Answer"": ""'Terrorism' means the use of violence for political ends and includes any use of violence for the purpose of putting the public or any section of the public in fear."",""thought"": ""The mentioned detail is directly available in the given document under the definition terms.""},"
"{""Question"": ""What is the Basis of Indemnity according to the policy?"",""Answer"": ""The Basis of Indemnity is the market value of the items or parts immediately before the loss or damage, the cost of dismantling the damaged Machinery and the cost of delivering and erecting a replacement item but less the value of any salvage. Deductions are made for depreciation in respect of parts replaced."",""thought"": ""The answer is pulled directly from the information given in the document which details the Basis of Indemnity under the policy.""},"
"{""Question"": ""What is the Engine No of On one unit caterpillar 336D2L hydraulic excavator c/w accessories?"",""Answer"": ""100004787"",""thought"": ""To answer this question, I looked at the 'Engine No' column corresponding to the specific unit provided in the question. The Engine number for the caterpillar 336D2L hydraulic excavator c/w accessories is 100004787.""},"
"{""Question"": ""What is the policy number of the document?"",""Answer"": ""The policy number of the document is D-23023966FAIR/9."",""thought"": ""The policy number is stated near the beginning of the document, before the details of the policy inclusions.""},"
"{""Question"": ""What is the class of the insurance?"", ""Answer"": ""Industrial All Risks"", ""thought"": ""The class of insurance is mentioned in the renewal policy schedule as Industrial All Risks.""}"
"{  ""Question"": ""Is diminution of business or loss of profits covered under the policy of MS First Capital Insurance Limited?"",  ""Answer"": ""No, the company shall not be liable for loss of profits or earnings resulting from diminution of business."",  ""thought"": ""The document clearly states that the company won't be liable for loss of profits or earnings resulting from the reduction of business. For this, no other documentation is needed to extract the information.""}"
"{""Question"": ""What action will the Company and the Insured take in case of loss or misfortune?"", ""Answer"": ""In case of loss or misfortune the Insured, their factors servants and assignees are to sue, labour and travel for in and about the defence safeguard and recovery of the property without prejudice to the insurance to the charges whereof the Company will contribute according to the rate and quantity of the sum herein insured."", ""Thought"": ""The information is directly stated in the document under 'Sue And Labour' section. If there's a loss or misfortune, both insured and the company will take necessary actions to recover the property and the company will contribute according to the rate and quantity of the sum insured.""}"
"{""Question"": ""Under what conditions will DBS Bank Ltd's receipt serve as full and final discharge of the insurer's liability as per the LOSS PAYEE CLAUSE?"",""Answer"": ""The insurer's liability is fully and finally discharged upon the receipt of any payment by DBS Bank Ltd without deductions, set-off or counterclaim in respect of any outstanding premium or calls on it."",""thought"": ""The LOSS PAYEE CLAUSE in the document clearly outlines the conditions under which DBS Bank Ltd's receipt will serve as a full and final discharge of the insurer's liability. There's no need to go beyond this document for further information.""}"
"{""Question"": ""What is the coverage limit for inland transit under Policy No. B 300558534 MAR?"",""Answer"": ""The coverage limit for inland transit under Policy No. B 300558534 MAR is SGD 100,000 for any one conveyance."",""Thought"": ""Based on the information provided, the policy clearly states the coverage limit for inland transit. There is no additional information needed.""},"
"{""Question"": ""None"",""Answer"": ""None"",""Thought"": ""Since the financial information provided is a 'blank page', it's not possible to generate any question as there's no information to base questions upon."" }"
"{""Question"": ""What is the policy number of the insurance?"",""Answer"": ""The policy number of the insurance is D-23023966FAIR/9."",""thought"": ""The policy number can be found mentioned in the financial document. No additional information required for this question.""},"
"{    ""Question"": ""What does the Malicious Damage clause entail in the given insurance policy?"",    ""Answer"": ""The Malicious Damage clause extends the insurance under Additional Peril F1 (Riot and Strike) to include loss of or damage to the insured property directly caused by the malicious act of any person. However, it does not cover any damage caused by fire, explosion, burglary, housebreaking, theft, larceny or any attempted or caused threat by any person involved in these acts. The conditions and provisions from the Riot and Strike Peril also apply to this extension."",    ""thought"": ""The document provides all details required to answer this question. However, to specify what 'additional peril F1 (Riot and Strike)' means, another piece of information not given in this document might be needed.""},"
"{""Question"": ""Where is the Claims & Motor Underwriting Department of MS First Capital Insurance Limited located?"",""Answer"": ""16 Raffles Quay #42-01 Hong Leong Building Singapore 048581"",""thought"": ""The location of the Claims & Motor Underwriting Department is stated explicitly in the document. It's at 16 Raffles Quay #42-01 Hong Leong Building Singapore 048581. This information did not require a redirect.""},"
"{""Question"": ""What is the name of the insured company?"",""Answer"": ""The insured company's name is MAMA ENGINEERING & CONSTRUCTION PTE LTD."",""thought"": ""The insured company's name is listed directly under the 'INSURED NAME AND ADDRESS'. There's no need to search for other information in the document.""},"
"{""Question"": ""What is the Rate of Gross Profit according to MS First Capital Insurance Limited?"",""Answer"": ""The Rate of Gross Profit is the profit earned on the Turnover during the period between the date of the commencement of the Business and the date of the Damage."",""thought"": ""The Rate of Gross Profit is clear and within the document, hence no additional information from outside the document is needed.""},"
"{  ""Question"": ""What does this policy cover, in light of communicable diseases?"",  ""Answer"": ""This policy covers any property insured under it that may be affected by a Communicable Disease, which could cause or threaten damage to human health or welfare, or cause damage, deterioration, loss of value or marketability, or loss of use of the insured property. This endorsement applies to all coverage extensions, additional coverages, exceptions to any exclusion, and other coverage grants."",  ""thought"": ""The question is focused on the coverage provided by the policy in case of communicable diseases. The information needed to answer this question is directly stated within the policy, specifically in sections 2.2 and 4.""}"
"{""Question"": ""What components does the purchased Control Container consist of?"",""Answer"": ""The purchased Control Container consists of various components including Operation Controls, Safety Features, Drive Data Records, Air Compressor, Jacking Rig Remote, Direct Connections, Hydraulic Tank, Main Jacking Pump, Transformer, Frequency Converters, Color Camera Machine, Color Camera Shaft, and Hydraulic System for Winch Operation."",""thought"": ""The document has directly provided detailed information on the components of the Control Container.""},"
"{""Question"": ""What is the coverage limit for temporary removal of the insured property?"", ""Answer"": ""Each item of the insured property under this policy is covered up to a limit of 10% of the Sum Insured when it is temporarily removed for various purposes like cleaning, renovation, modification, repair and similar."", ""thought"": ""However, this extension doesn't apply to property that is already insured elsewhere, stock, merchandise, motor vehicles, chassis, or property held in trust.""}, "
"{""Question"": ""What is the policy number of MS First Capital Insurance Limited?"",""Answer"": ""The policy number of MS First Capital Insurance Limited is D-23023966FAIR/9."",""thought"": ""The document provides a distinct policy number. However, It does not specify what this number signifies, it might be that the policy number relates to a specific customer or a specific type of insurance policy.""},"
"{""Question"": ""What is the name of the insurance company?"",""Answer"": ""The name of the insurance company is Great Eastern General Insurance Limited."",""Thought"": ""The name of the insurance company was given in the text provided by the user, so I did not need to infer or use outside information to answer this question.""},"
"{""Question"": ""Does the policy extend to include loss resulting from interruption of or interference with the Business occasioned by damage to registered vehicles and/or trailers?"",""Answer"": ""Yes, the policy extends to include loss resulting from interruption of or interference with the Business occasioned by damage to registered vehicles and/or trailers."",""thought"": ""The information is clearly stated in point 21 of the document, no further documents or information required.""},"
"{""Question"": ""What does the policy state about the uncollectibility of other insurance?"",""Answer"": ""The policy states that notwithstanding any of the terms of this Policy that might be construed otherwise, the Insurance provided by this Policy shall always be excess over the maximum monetary limits set forth in Item 10 of the Schedule regardless of the uncollectibility (in whole or in part) of any underlying insured amounts for any reason, including, but not limited to, the financial impairment or insolvency of an underlying insurers. The risk of uncollectibility (in whole or in part) of other insurance, whether because of financial impairment or insolvency of an underlying or other insurer or for any other reason, is expressly retained by the Insured and is not in any way or under any circumstances insured or assumed by the Insurers."",""thought"": ""From the 'Uncollectibility of Other Insurance' section of the financial information, I was able to provide a complete answer.""}"
"{""Question"": ""What occurs if the Gross Profit earned is greater than the Sum Insured as per the Leeway Clause?"",""Answer"": ""If the Gross Profit earned is greater than the Sum Insured, the Insured will be held covered to the extent of 20% of the Sum Insured and a pro-rata additional premium not exceeding 20% of the premium paid on such Sum Insured for such period of the insurance will be charged in respect of the difference."",""thought"": ""The information provided under the Leeway Clause states that if the Gross Profit is more than that covered, a premium will be charged to cover the difference with an upper limit of 20% of the paid premium.""},"
"{""Question"": ""What is the policy number of Industrial All Risks?"",""Answer"": ""The policy number is 2022-F0250513-IAR-R001."",""thought"": ""The policy number was directly stated in the document provided.""},"
"{""Question"": ""What is the total premium due for the insurance?"",""Answer"": ""The total premium due for the insurance is SGD 3,577.27."",""thought"": ""The 'TOTAL PREMIUM DUE' field directly states the amount due. No other information is necessary.""},"
"{  ""Question"": ""What happens if there is an inadvertent error, omission or failure in making reports under the policy terms?"",  ""Answer"": ""If an error or omission is discovered or brought to the Insured's knowledge, as long as the Insured makes an immediate correction, it will not prejudice the Insured’s rights of recovery."",  ""thought"": ""The information was available in the document, this explains how errors or omissions are handled under the policy.""},"
"{""Question"": ""What is the maximum amount covered under the Fire Brigade Charges extension?"",""Answer"": ""The company's maximum liability under the Fire Brigade Charges extension is $100,000."",""thought"": ""The information clearly states the maximum liability under the Fire Brigade Charges is not more than $100,000.""},"
"{  ""Question"": ""What does the term 'extra expense' refer to in the policy document of MS First Capital Insurance Limited?"",  ""Answer"": ""'Extra expense' in the policy document refers to any operating costs necessarily incurred to actually perform the operations normally performed by the electronic data processing equipment over and above what it would normally cost the insured to conduct operations had no loss occurred. It can occur following damage to or destruction of equipment or media insured, or following suspension or reduction of the insured’s ability to use equipment or media insured due to damage to or destruction of the building housing such equipment or media or the air conditioning system for such equipment."",  ""thought"": ""Based on the policy document, the definition of 'Extra expense' was straightforward and had several components. I had to consider the entire context of the document to fully answer this question.""},"
"{""Question"": ""What are some of the costs and expenses covered by the insurance policy?"",""Answer"": ""The costs and expenses covered include clearing debris, removal, storage and disposal of debris, temporary repairs, demolition and removal of property, legal liability for removal, damage to clothing and tools of trade, expediting reinstatement, repairing water damage and taking inventory."",""thought"": ""The policy details mention a multitude of different costs and expenses that are covered. However, to confirm the exact amounts or limits of coverage, I would need additional information or documents that are not provided here.""},"
"{""Question"": ""What does the policy exclude?"",""Answer"": ""The policy excludes all losses, damages, liabilities, claims, circumstances and allegations that might lead to claims occurring and emanating from 15 Jan 2023 to 20 April 2023."",""thought"": ""The document clearly mentions the exclusions for this insurance policy. Thus, no additional information is required to answer this question.""},"
"{""Question"": ""Which website is referred for currency exchange rate according to the policy?"",""Answer"": ""www.oanda.com"",""thought"": ""In any form of financial transaction that involves currency conversion, the source of the exchange rate is critical. In this document, www.oanda.com is the source of exchange rate for different transactions like the Policy inception date, Premium settlement, year end Premium Adjustment, and loss settlement. This point does not need a redirection.""},"
"{  ""Question"": ""What are the conditions for the work of replacement or reinstatement?"",  ""Answer"": ""The work of replacement or reinstatement must be commenced and carried out with reasonable despatch and in any case must be completed within 12 months after the destruction or damage, or within such further time as the Company may (during the said 12 months) in writing allow. It can be carried out upon another site and in any manner suitable to the requirements of the Insured, provided the company's liability is not increased as a result."",  ""thought"": ""This states the urgency and timeline for the work of replacement or reinstatement to be carried out post an incident. The insured has flexibility to use another site or any manner suited to their requirements but it should not increase the liability of the company. The commencement of the work must be within a year of the incident or within an extended period in case the company allows so in writing.""}"
"{  ""Question"": ""What is considered a 'Cyber Act' under this policy?"",  ""Answer"": ""'Cyber Act' is defined as an unauthorised, malicious or criminal act or series of related unauthorized, 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 directly mentioned in the document. No need to refer to any additional information.""}"
"{""Question"": ""What is the limit for the Plate Glass in the policy?"",""Answer"": ""The limit for the Plate Glass in the policy is S$1,000,000/-."",""thought"": ""The limit for Plate Glass was directly provided in the clauses of the financial document.""}"
"{  ""Question"": ""What is the policy number?"",  ""Answer"": ""The policy number is 2021-F0225660-MIC-R003."",  ""thought"": ""The document specifies the policy number directly. No need to access other information or documents to acquire this.""},"
"{""Question"": ""What is the policy number of the mentioned financial information?"",""Answer"": ""The policy number is P 90415915 MAR."",""Thought"": ""The policy number was clearly stated at the beginning of the document.""},"
"{""Question"": ""Who is the insurer for the Industrial All Risks policy?"",""Answer"": ""Great Eastern General Insurance Limited is the insurer for the Industrial All Risks policy."",""Thought"": ""The name of the insurer, Great Eastern General Insurance Limited, is mentioned under the policy information.""}"
"{""Question"": ""What is the sum insured for the EPB2500AB Tunneling Machine along with the one unit of Container C66?"",""Answer"": ""The sum insured for the EPB2500AB Tunneling Machine along with the one unit of Container C66 is SGD1,560,000."",""thought"": ""The information for this question is provided directly in the document under the policy number B 300558534 MAR. No additional information is required.""},"
"{    ""Question"": ""Does the policy cover loss by theft during or after occurrence of a fire?"",    ""Answer"": ""No, the insurance does not cover loss by theft during or after occurrence of a fire."",    ""Thought"": ""The answer is based on the given information, no extra information is required.""  },  "
"{""Question"": ""What is the limit of liability for loss or damage to electronic equipment or media?"",""Answer"": ""The limit of liability for loss or damage to electronic equipment or media is SGD 20,000,000 for any one loss per risk location."",""thought"": ""The limit of liability was mentioned in the document itself with relation to Electronic Equipment Breakdown provided by MS First Capital Insurance Limited. No redirection was needed for this question.""},"
"{  ""Question"": ""Does the policy provide any indemnity for locations other than the insured locations?"",  ""Answer"": ""No, the policy does not provide indemnity for locations other than the locations as set out in Item 7 of the Schedule."",  ""thought"": ""This information is clarified in Addendum No.2 where it is stated that no indemnity is provided for locations other than the insured locations set in the schedule.""}"
"{""Question"": ""What is the total sum insured?"",""Answer"": ""The total sum insured is S$ 44,120,000. This includes S$37,120,000 under Section 1 - Property Damage and S$7,000,000 on stocks in trade of pipe, hardware, building materials including furniture, fixtures, fittings, machinery, plant, equipment and all other contents."",""thought"": ""The total sum insured is clearly mentioned in the document under the Property Insured/Sum Insured section. No additional info required.""},"
"{""Question"": ""What are the exceptions to the policy coverage when it comes to Data Processing Media?"",""Answer"": ""The policy will cover the cost to repair or replace the Data Processing Media itself plus the costs of copying the Data from back-up or from originals of a previous generation. However, these costs will not include research, engineering, any costs of recreating, gathering or assembling the Data. The policy also excludes any amount pertaining to the value of such Data, to the Insured or any other party, even if such data cannot be recreated, gathered or assembled."",""Thought"": ""The policy provides specific conditions under which the aspects of Data Processing Media are covered and not covered. These details were involved in the financial information provided.""},"
"{""Question"": ""Is there any contact information included in the document?"",""Answer"": ""Yes, the document includes a 'Contact Us' section."",""thought"": ""The 'Contact Us' section is mentioned in the document's contents, but the actual contact information is not provided in the copy provided.""}"
"{""Question"": ""What happens if a claim made is fraudulent?"",""Answer"": ""If any claim is in any respect fraudulent or if any fraudulent means or devices are used by the Insured or anyone acting on his behalf under this Policy, or if any loss or damage is occasioned with the connivance of the Insured, all benefits under this Policy shall be forfeited."",""thought"": ""This information is taken from the 'Fraud' clause of the financial document."" },"
"{""Question"": ""How much is the excess for Landslip and Subsidence arising from flood?"",""Answer"": ""The excess for Landslip and Subsidence arising from flood is SGD5,000."",""thought"": ""The answer was quite clear and required no additional information.""},"
"{""Question"": ""What does 'Excluded Territory' refer to in the given financial information?"",""Answer"": ""'Excluded Territory' refers to Belarus (Republic of Belarus), Russian Federation, and Ukraine (including the Crimean Peninsula and the Donetsk and Luhansk regions)"",""thought"": ""The given financial information clearly defines 'Excluded Territory' as Belarus (Republic of Belarus), Russian Federation and Ukraine, specifically mentioning the Crimean Peninsula and the Donetsk and Luhansk regions of Ukraine. Since the answer is directly provided in the information, there is no need to infer or redirect to external data.""}"
"{""Question"": ""Under what circumstances does the insurance cease to attach?"",""Answer"": ""The insurance ceases to attach under the following circumstances: if the trade or manufacture is altered, the building containing insured property remains unoccupied for more than 30 days, insured property is moved to another building not mentioned in the policy, or the interest in insured property passes from the insured other than by will or operation of law."",""thought"": ""The document clearly mentions the scenarios during which the insurance policy will cease to attach. No further documentation or information is needed.""},"
"{""Question"": ""What is the monetary limit on coverage for damage due to self-ignition under the policy?"",""Answer"": ""The insurance under this policy extends to indemnify the insured against destruction or damage up to SGD100,000 for any damage caused by the actual burning out of parts of electrical machines, installations or apparatus due to self-ignition."",""Thought"": ""The policy clearly specifies the coverage limit for self-ignition damages. However, it is worth clarifying that this limit does not cover certain types of depreciation, wear and tear, and specific items like lighting elements, fuses, or certain electrical contacts.""},"
"{""Question"": ""What amendments were made from 03rd January 2023?"",""Answer"": ""Two amendments were made. 1) The insured name was changed to 'ABC Trustee Limited (as Trustee of Paradise REIT) as Property Owner and/or Para Paradise Management Pte Ltd as REIT Manager and/or SING A SONG Property Management Services Pte Ltd as Property Manager'. 2) The postal address was changed to 'C/o SING A SONG Property Management Services Pte Ltd, 79 Sakura Road, #07-09, ParaSky, Singapore 068806'."",""thought"": ""The document provides details about the amendments made from 03rd January 2023.""},"
"{""Question"": ""Is the policy renewed?"",""Answer"": ""Yes"",""thought"": ""The policy has been renewed as mentioned in the provided document. This answer didn't require any extra information outside of the document.""}"
"{""Question"": ""What happens if there is a breach of conditions without the knowledge and consent of the Insured?"",""Answer"": ""Any breach of the within conditions without the knowledge and consent of the Insured shall not prejudice this insurance as long as notice, in writing, is given to the Company immediately upon such breach coming to the Insured's knowledge."",""thought"": ""The information provided directly indicates what will occur in the event of a breach of conditions without the Insured's knowledge and consent, which provides the answer."")},"
"{""Question"": ""Who are the Approved Adjusters for MS First Capital Insurance Limited?"",""Answer"": ""Approved Adjusters are Crawford and Company International Pte Ltd, Sedgwick Singapore Pte. Ltd. and McLarens Singapore Pte Ltd."",""thought"": ""The approved adjusters are clearly listed in the document, no additional information is required.""},"
"{""Question"": ""In which locations the insurance is applicable?"",""Answer"": ""The insurance is applicable anywhere in Singapore including offshore island, airside of Singapore Changi and Seletar airport, but exclude waterborne risks and on board vessel risks."",""thought"": ""The answer is already given in the 'SITUATION' of the document. No other information is required to answer this.""},"
"{""Question"": ""What types of losses or damages are not covered by the company?"",""Answer"": ""Any loss or destruction of or damage to any property of any loss or expense resulting from it or any consequential loss, and any legal liability of whatsoever nature either directly or indirectly caused by or contributed to by events or properties such as ionising radiations from or contamination by radioactivity, nuclear installation, reactor or other nuclear assembly or nuclear component properties, atomic or nuclear fission and/or fusion or other like reaction or radioactive force properties, radioactive matter properties, radioactive isotopes or any chemical, biological, bio-chemical or electromagnetic weapon are not covered by the company."",""thought"": ""This was provided in the document under events and factors that the company does not cover.""}"
"{  ""Question"": ""What is the indemnity period for the Premises in the Vicinity / Denial of Access policy?"",  ""Answer"": ""The indemnity period for the Premises in the Vicinity / Denial of Access policy is 6 months."",  ""thought"": ""The document clearly states this information in the section describing the Premise in the Vicinity policy. No further information was needed as it was directly included in the policy details.""},"
"{""Question"": ""What happens if the damaged property with undamaged foundations need to be reinstated on a different site?"",""Answer"": ""In the event that a damaged property with undamaged foundations needs to be reinstated on a new site owing to statutory powers and authority, the abandoned foundations will be treated as destroyed. If the presence of these abandoned foundations increases the sale value of the original property, the increase value is considered as salvage and payable to the insurers or deducted from the final amount payable by the insurers."", ""thought"": ""The document details the scenario clearly. When a property is damaged but its foundations remain untouched, and a situation arises where the property has to be re-built on a different site, the foundations left behind are treated as destroyed. If these abandoned foundations result in an increase in the original site's value, such increase in value would be considered salvage, either payable to the insurer or deducted from the final settlement amount.""},"
"{  ""Question"": ""Are workmen allowed on the insured building for minor alterations and repairs?"",  ""Answer"": ""Yes, workmen are allowed in or about any of the insured buildings or premises for the purpose of carrying out minor alterations, decorations, repairs and general maintenance."",  ""thought"": ""The mentioned clause states that workmen can perform minor alterations and repairs on the insured premises without violating the insurance terms.""},"
"{""Question"": ""How many items of Purchase 5 Jacking Equipment are mentioned in the document?"",""Answer"": ""Three items: Launch Rail / Back Wall Plate, Thrust Ring, and Main Jacking Cylinder are mentioned for Purchase 5 Jacking Equipment."",""thought"": ""All the three items are within the given text under the subheading of 'Purchase 5 Jacking Equipment'.""},"
"{""Question"": ""What is the total sum insured under this policy?"",""Answer"": ""The total sum insured under this policy is SGD1,500,000."",""Thought"": ""This was stated under the 'Total Sum Insured' in the document, allowing me to provide the information.""}"
"{""Question"": ""When is the original date of the policy?"",""Answer"": ""21/02/2023"",""Thought"": ""Information about the original date of the policy is provided in the document.""}"
"{""Question"": ""What is the definition of 'Machinery' as used in this Memorandum?"",""Answer"": ""'Machinery' means any apparatus, including electronic control equipment, whether or not functioning independently or as part of a collection of apparatus which generates, contains, controls, transmits, receives, transforms or utilises any form or source of energy or power, as now existing or hereafter acquired, the Insured’s own, held in trust or on commission or for which the Insured is or may become liable or has accepted responsibility."",""Thought"": ""The definition of 'Machinery' was provided in the section of the document that begins 'For the purpose of this Memorandum', and is found in point 2.""},"
"{""Question"": ""What is the limit for the Acquired Companies or New Locations clause?"",""Answer"": ""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 directly mentioned in the document, no additional information required or inferred.""},"
"{""Question"": ""What circumstances would permit the policy to provide cover despite a Cyber Loss?"",""Answer"": ""The policy provides cover for a Cyber Loss in its totality if there is no evidence of the Cyber Loss resulting from any Cyber Act."",""thought"": ""The information is straightforward from the document. As long as a Cyber Act is not the cause of the Cyber Loss, then the policy will provide full coverage. Further data from outside the document is not needed.""},"
"{""Question"": ""What does the policy cover in terms of temporary protection?"",""Answer"": ""The policy covers costs of temporary protection up to a limit of S$500,000."",""Thought"": ""The information was specified under the 'Cost of Temporary Protection Clause' in the document.""},"
"{""Question"": ""What is the indemnity period for class 1 construction for IAR - Con Loss?"",""Answer"": ""The indemnity period for class 1 construction for IAR - Con Loss is 24.0 months."",""thought"": ""The indemnity period was provided in the document for the specified class and IAR.""}"
"{""Question"": ""What does the policy cover in terms of minor works?"",""Answer"": ""This Policy automatically includes cover for alterations, construction, re-construction, testing, re-testing, erection, addition, maintenance, repair, modifications, internal removal, installation and dismantling work also known as minor contract works. The cover applies only during the Period of Insurance and only in respect of contracts which have a full quoted project value of SGD1,000,000 or less at inception of the contract, unless otherwise mutually agreed by the Insured and Insurers."",""Thought"": ""The policy's coverage of minor works is quite comprehensive, but the stipulation that it only applies to contracts valued at SGD1,000,000 or less at inception may exclude certain projects from coverage. The possibility of an exception through mutual agreement between the insured and insurer leaves room for negotiation.""},"
"{""Question"": ""What is the deductibility criteria of this policy?"",""Answer"": ""The validity 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 months due solely or in part to a breach of any premium payment condition. Or, if the named insured has breached any premium payment condition in respect of a previous policy taken up with another insurer in the last twelve months, it should have fully paid all outstanding premiums for the time on risk as 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 has to be provided."",""thought"": ""This answer was directly derived from the provided financial information; no additional information was required.""}"
"{""Question"": ""What does Section I and Section II of Utilities cover?"",""Answer"": ""Section I extends cover for Damage to Property Insured resulting from Damage to property of others not insured by this Policy away from the Insured’s Premises anywhere in the world that affects the supply of utilities including communication services, electricity, gas, natural gas, steam, water, refrigeration, sewerage reticulation, etc. Damage to such property away from the Insured's Premises shall be deemed to be Damage to Property Insured at the Premises. Section II, subject to the Sub Limit of Liability stated in the Schedule for Utilities, covers loss resulting from interruption of or interference with the Business due to Damage to property of others (not insured by this Policy) away from the Premises anywhere in the world, that affects the supply of utilities and causes an interruption to the Business as a result."",""thought"": ""Both section remained limited to discussion regarding the coverage of utilities under both the sections and their due repercussions over insured's business. This required extensive reading and comprehension to provide a pointwise coverage extended by these sections.""},"
"{""Question"": ""Does the Property Exclusion 8 apply to the cover granted by this Memorandum?"",""Answer"": ""No, Property Exclusion 8 does not apply to the cover granted by this Memorandum."",""Thought"": ""This was clearly stated in the documents also directly after talking about the Direct Suppliers'/Customers' Premises.""},"
"{ ""Question"": ""Does this policy cover the costs of recompiling records?"", ""Answer"": ""Yes, the policy extends to cover costs and expenses necessarily and reasonably incurred by the Insured following loss or damage to the property insured to reconstruct and recompile records."", ""Thought"": ""The question is based on the section 'F25. Cost Of Recompiling Records And Claims Preparation'. It mentions that the policy covers the costs and expenses for reconstructing and recompiling records that are necessary and reasonably incurred by the insured after a loss or damage to the property."" },"
"{""Question"": ""What does the Basis of Settlement under the Memorandum of the Policy indicate?"",""Answer"": ""The Basis of Settlement under the Memorandum of the Policy indicates the method of calculating the amount payable, which can be done in accordance with either Alternative Basis of Settlement A or B. The particulars of each type are set forth in the memorandum."",""thought"": ""The question requires an explanation of the Basis of Settlement under the Memorandum, which is given in the provided document. As such, no further information is needed.""},"
"{    ""Question"": ""What is the total worth of properties insured based in Singapore?"",    ""Answer"": ""The total worth of properties insured based in Singapore are USD 7,832,316,674"",    ""thought"": ""The answer is directly found at the end of the document. It does not refer to any external document.""}"
"{""Question"": ""How much proportion of the loss is the Leading Co-insurer, Zurich Insurance Company Ltd (Singapore Branch) expected to cover?"",""Answer"": ""Zurich Insurance Company Ltd (Singapore Branch) is expected to cover 5.00% of the loss."",""thought"": ""The document provided a clear breakdown of the proportion each insurer is expected to cover in case of loss.""},"
"{""Question"": ""What happens if the insured fails to intimate to the Company their intention to replace or reinstate the property within 6 months from the date of destruction or damage?"",""Answer"": ""If the Insured fails to notify the Company within 6 months from the date of destruction or damage, or within any further time that the Company may allow in writing, of their intention to replace or reinstate the destroyed or damaged property, then this memorandum will have no force or effect."",""thought"": ""The answer to this question was directly given in the financial information document.""},"
"{  ""Question"": ""What is the policy number?"",  ""Answer"": ""The policy number is D-23023966FAIR/9."",  ""thought"": ""The policy number was provided in the given document, under the company's contact details.""},"
"{""Question"": ""Where is the Claims & Motor Underwriting Department located?"",""Answer"": ""The Claims & Motor Underwriting Department is located at 16 Raffles Quay #42-01 Hong Leong Building, Singapore 048581."",""Thought"": ""The location was provided early in the document under the company's contact information.""},"
"{""Question"": ""What is meant by Act of Fraud or dishonesty according to the document?"",""Answer"": ""According to the document, Act of Fraud or dishonesty refers to all losses that arise directly due to one or numerous employees colluding in respect of the same event."",""thought"": ""The definition of 'Act of Fraud or dishonesty' is included directly in the provided document, hence it can be identified without any additional information.""},"
"{  ""Question"": ""Under what conditions is no special inventory or appraisement of the undamaged property required?"",  ""Answer"": ""No special inventory or appraisement of the undamaged property is required if the aggregate claim for any one loss does not exceed S$50,000.00 or 5% of the Sum Insured, whichever is the lesser amount."",  ""thought"": ""The answer is directly sourced from the '3. APPRAISEMENT' section of the document.""},"
"{""Question"": ""What is the Sue and Labour clause in this insurance policy?"",""Answer"": ""In the event of any reasonable expenses being incurred by the Insured in their efforts to recover, safeguard or preserve the Property Insured to minimize any loss as insured by the Policy, or to prosecute in its owned name any claim for indemnity or damage or otherwise against any persons in respect of such loss, the insurance provider shall pay such expenses. However, if the Property Insured is insured for less than its value at the time of the occurrence giving rise to such expenditure, the amount recoverable under this memorandum shall be reduced in proportion to the under-insurance."",""thought"": ""N/A""}"
"{""Question"": ""What is the policy number of the insurance coverage?"",""Answer"": ""The policy number of the insurance coverage is D-23023966FAIR/9."",""Thought"": ""The policy number was provided in the upper part of the document, just below the contact information.""}"
"{""Question"": ""Does this insurance cover the loss or damage of electronic data?"",""Answer"": ""No, this policy does not insure loss, damage, destruction, distortion, erasure, corruption or alteration of electronic data from any cause whatsoever."",""Thought"": ""Looking at the Electronic Data Endorsement section, specifically 4(a)(i), it's clear that this policy does not cover any form of loss or damage to electronic data.""},"
"{ ""Question"": ""What does the term 'DAMAGE' signify in the provided financial information?"", ""Answer"": ""The term 'DAMAGE', in the given financial information, refers to the loss, destruction, or damage to the property that is insured."", ""thought"": ""The definition of 'DAMAGE' was clearly given in the document, so there was no need for assumptions or redirection to any other information not contained in the document.""},"
"{""Question"": ""What is the premium amount in SGD?"",""Answer"": ""The premium amount in SGD is 4,137.50."",""Thought"": ""Retrieved the premium amount by checking the line containing 'Premium (SGD)'.""},"
"{""Question"": ""In what situations does the policy provide cover despite 'CONSEQUENTIAL LOSS' exclusions?"",""Answer"": ""The policy provides cover despite 'CONSEQUENTIAL LOSS' exclusions when the loss results from a cause that is not otherwise excluded or results from a Defined Peril. These include such cases where consequential loss results from faulty workmanship, operational errors, dishonesty of the insured's employees, and others if it results from a cause not excluded or defined peril."",""thought"": ""The exceptions to the exclusions are mentioned with each exclusion point. The information to answer this question is distributed across multiple points under the 'EXCLUSIONS' section.""}"
"{""Question"": ""What is the limit for the Locks and Key Replacement?"",""Answer"": ""The limit for the Locks and Key Replacement is S$10,000/-."",""thought"": ""The limit for Locks and Key Replacement was stated in the financial document under its respective clause title."" },"
"{  ""Question"": ""What does the Proposer need to provide for the insurance cover to be provided under this policy?"",  ""Answer"": ""The Proposer needs to fully and faithfully declare to the Company the facts that they know or ought to know for the insurance cover to be provided under this Policy. No benefit may be received from this Policy if the Proposer does not provide this."",  ""Thought"": ""The document clearly specifies the Proposer's responsibilities for obtaining insurance coverage.""},"
"{""Question"": ""What does the Non Invalidation - Workmen Clause state?"",""Answer"": ""The Non Invalidation - Workmen Clause states that the insurance will not be invalidated due to a change of occupancy or increase of risk in the insured property without the insured's knowledge. However, they must inform the insurance company as soon as they become aware of it and pay any additional premium required from the date of such risk increase. It also states that the presence of workmen on the premises for purposes of repairs, minor alterations, or general maintenance does not invalidate the insurance."",""Thought"": ""The question pertains to the clause within the policy text that explains under what conditions the insurance would remain valid despite any changes in risk or occupancy, especially in the case of workmen on the property. The information is directly available in the text, so doesn't require any assumptions or further information.""},"
"{""Question"": ""Where is the insured company located?"",""Answer"": ""The insured company is located at 2 TUAS AVENUE 9, SINGAPORE 639169."",""thought"": ""Insured company's adress is given in the 'INSURED NAME AND ADDRESS' section. No further information is needed.""},"
"{""Question"": ""Is the insurance liable for any loss or damage resulting from acts of terrorism?"",""Answer"": ""No, the insurance is not liable for loss or damage occasioned by or through acts of terrorism."",""thought"": ""The document clearly states under Special Condition (a) that the insurance does not cover loss or damage resulting from acts of terrorism.""},"
"{""Question"": ""What is the contact number of MS First Capital Insurance Limited? And where is it located?"",""Answer"": ""The contact number of MS First Capital Insurance Limited is (65) 6222 2311 and it is located at 6 Raffles Quay #21-00 Singapore 048580."",""thought"":""The contact information is usually given at the beginning or the end of such documents. In our case, it was at the beginning of the document.""}"
"{""Question"": ""What is the policy number of the insurance certificate?"",""Answer"": ""The policy number of the insurance certificate is D 300278617 FII"",""Thought"": ""The policy number is typically listed in the insurance documents. In this case, it was mentioned under the 'Policy No.' header.""},"
"{""Question"": ""What is the proportion of loss that Swiss Re International SE, Luxembourg per Singapore Branch is responsible for?"",""Answer"": ""Swiss Re International SE, Luxembourg per Singapore Branch is responsible for 15.00% of the loss."",""thought"": ""The document provides the exact proportion of loss that each insurer is responsible for, including Swiss Re International.""},"
"{""Question"": ""What is the limit stated under the 'Professional Fees Clause'?"",""Answer"": ""The limit stated under the 'Professional Fees Clause' is 10% of sum insured."",""Thought"": ""In the 'Professional Fees Clause' the limit is clearly stated as being 10% of the sum insured. There is no ambiguity or missing information that would require further clarification.""},"
"{""Question"": ""Who is the insured party?"",""Answer"": ""The insured party is 'Para Paradise Pte. Ltd.' initially, which was later amended to 'ABC Trustee Limited (as Trustee of Paradise REIT) as Property Owner and/or Para Paradise Management Pte Ltd as REIT Manager and/or SING A SONG Property Management Services Pte Ltd as Property Manager'"",""thought"": ""The document mentioned the original insured party and later an amendment changing the insured party. This information must be considered for an accurate answer.""},"
"{""Question"": ""Are damages to vehicles licensed for road use covered?"",""Answer"": ""No"",""thought"": ""According to the available information, vehicles licensed for road use, including accessories thereon, caravans, trailers, railway locomotives, rolling stock, watercraft, or aircraft are not covered unless specifically mentioned as insured by this policy.""},"
"{""Question"": ""What does the Contracts (Rights Of Third Parties) Act (Chapter 53B) state in this agreement?"",""Answer"": ""According to the Contracts (Rights Of Third Parties) Act (Chapter 53B) as stated in this agreement, a person who is not a party to this contract shall have no right to enforce any of its terms."",""Thought"": ""The question asks about the provisions as per the 'Contracts (Rights Of Third Parties) Act'. The answer is directly taken from the '16 Contracts (Rights Of Third Parties) Act (Chapter 53B)' section of the document.""}"
"{""Question"": ""What is the company policy about Cyber Loss under the Property Cyber and Data Exclusion clause?"",""Answer"": ""The policy excludes any Cyber Loss or loss, damage, liability, claim, cost, expense of whatsoever nature directly or indirectly caused by, contributed to by, resulting from, arising out of or in connection with any loss of use, reduction in functionality, repair, replacement, restoration or reproduction of any Data, regardless of any other cause or event contributing concurrently or in any other sequence thereto."",""thought"": ""The information related to 'Property Cyber and Data Exclusion' is extensively provided in the financial document. Hence, no additional details outside of this document was required to find an answer to this question.""}"
"{""Question"": ""What is the basis of loss settlement for equipment that is less than 5 years old?"",""Answer"": ""The basis of loss settlement for equipment that is less than 5 years old is Replacement Value Clause."",""thought"": ""The basis of loss settlement refers to how the insurance company will calculate the value of the losses. In this case, because the equipment is less than 5 years old, its loss will be settled based on its replacement value.""}, "
"{""Question"": ""Under what conditions can the insurance policy be cancelled?"",""Answer"": ""The insurance policy can be cancelled by 'Income' by sending a seven days' notice to the insured at his last known address. The insured can also cancel the policy by giving a written notice to 'Income'. The cancellation will take effect from the date 'Income' receives the written notice."",""thought"": ""The document provides comprehensive information about the conditions under which the insurance policy can be cancelled, therefore no extra information is needed.""},"
"{""Question"": ""What is the definition of 'CONSEQUENTIAL LOSS' as per this document?"",""Answer"": ""As per this document, 'CONSEQUENTIAL LOSS' shall mean 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 used by the Insured at the Premises for the purpose of the Business."",""thought"": ""The document defines 'CONSEQUENTIAL LOSS' in its first point under the 'DEFINITION' section. The definition given in the document is straightforward and does not require any additional information.""},"
"{  ""Question"": ""What is the limit for 'Off Premises Clause (Outside Location Clause)' in the policy?"",  ""Answer"": ""The limit for 'Off Premises Clause (Outside Location Clause)'  in the policy is SGD5,000,000."",  ""thought"": ""The limit was directly mentioned right next to the clause itself in the information provided.""},"
"{""Question"": ""Where is the company's insurance limited located?"",""Answer"": ""MS First Capital Insurance Limited is located at 6 Raffles Quay 921-00 Singapore 048590."",""Thought"": ""The address of the company is mentioned in the document. I didn't need to make any assumptions or inferences to answer this.""},"
"{""Question"": ""When was the policy issued?"",""Answer"": ""The policy was issued on 13/10/2022."",""Thought"": ""To determine the issue date of the policy, I checked for 'Date of Issue' in the document.""},"
"{""Question"": ""What is the contact number of the insurance company?"",""Answer"": ""The contact number of the insurance company is +65 6248 2888."",""thought"": ""The contact number of the insurance company is given in the document. It is +65 6248 2888.""}"
"{""Question"": ""What happens under the non-invalidation clause of the policy?"",""Answer"": ""Under the non-invalidation clause, the insurance is not invalidated by anything being done or omitted to be done in respect of any portion of the premises not occupied by the Insured, whether it constitutes an increase in risk or not. However, the Insured is required to inform the Insurers of such alteration and pay any additional premium the Insurers may require."",""Thought"": ""The policy clearly mentions the conditions under the non-invalidation clause in the document.""},"
"{""Question"":""What is the period within which the Insured should declare to the Insurers the value of Property Insured and the amount of the Gross Profit earned and Pay-Roll paid?"", ""Answer"": ""The Insured should declare those values to the Insurers within six (6) months after the day of expiry of the Period of Insurance."", ""Thought"": ""The information provided in Adjustment of Premium clause (b) directly provides the answer.""}"
"{  ""Question"": ""What is the implication of the Designation of Property Clause in this insurance policy?"",   ""Answer"": ""According to the Designation of Property Clause, when determining under which item any property is insured, the insurance company agrees to accept the designation under which such property has been recorded in the insured's books."",   ""thought"": ""The document provides a clear description of the Designation of Property Clause which eliminates the need for additional information from external sources.""},"
"{""Question"": ""Can the policy be cancelled, terminated, altered or amended without consent?"", ""Answer"": ""No, the policy may not be cancelled, terminated, altered or amended without the prior written consent of the mortgagee."", ""thought"": ""The question was specifically referring to a piece of information found in the document.""},  "
"{  ""Question"": ""What is the occupation of the insured party?"",  ""Answer"": ""The occupation of the insured party is not specifically stated in the document provided."",  ""thought"": ""The document mentions the term 'Occupied As' with the value 'DWELLING'. This indicates the usage of the property insured, rather than providing information on the profession or employment status of the insured party. So, the occupation is not provided in this document.""}"
"{    ""Question"" : ""Can this policy be prematurely terminated upon the request of the insured?"",    ""Answer"" : ""Yes, this policy can be prematurely terminated at the request of the insured. Nonetheless, in case of such termination, the insurer retains the prorate premium for the time the policy has been in force."",    ""thought"" : ""The answer is derived directly from the 'Cancellation' clause in the given policy data. It indicates that the policy can be terminated upon the insured's request, but the insurer will hold onto the prorate premium for the period the policy was active. No other referential data is required to draft the response. ""},"
"{""Question"": ""What is the address of MS First Capital Insurance Limited?"", ""Answer"": ""6 Raffles Quay #21-00 Singapore 048580"", ""Thought"": ""The address of MS First Capital Insurance Limited is directly mentioned in the document, hence no further redirection of information was required.""}, "
"{""Question"": ""Under what circumstances is the 'Water Damage' extension applicable?"",""Answer"": ""The extension covers loss or damage to the insured property directly caused by the bursting or overflowing of water tanks, apparatus or pipes from within the building. The policy does not cover damage to the tanks, apparatus, or pipes themselves, nor does it cover loss or damage while the building is untenanted, water discharged or leaking from any automatic sprinkler installation in the buildings or the first S$1,000.00 of each and every loss."",""thought"": ""The conditions for 'Water Damage' extension applicability are mentioned explicitly in the document.""},"
"{""Question"": ""Who handles the settlement of claims for this policy?"",""Answer"": ""MS First Capital Insurance Limited"",""thought"": ""Specified that MS First Capital Insurance limited handles claims settlements""},"
"{""Question"": ""What does the Fire Extinguishing Expenses Clause state?"",""Answer"": ""The Fire Extinguishing Expenses Clause extends the insurance under this policy to include the wages of the Insured's employees, other than full-time members of a Works Fire Brigade and the cost of replenishment of fire fighting appliances, including damages to these appliances. This is subject to conditions and cannot exceed $2,500."",""thought"": ""The policy clearly outlines the conditions and limitations of this clause, hence no additional information is required.""}"
"{""Question"": ""How does the policy cover reduction in value of undamaged stock?"",""Answer"": ""The policy covers the loss sustained by the insured as a result of depreciation of undamaged stock that cannot be processed or used promptly due to interruption of or interference with the Business in consequence of Damage to any Property Insured. It also covers reduction in value of insured components or parts of products due to Damage to other uninsured components or part of products."",""thought"": ""The detailed coverage terms can be found in clause 24 of the policy. No additional information required for this question.""},"
"{""Question"": ""Who is the insurer for ECP Beach Corp's policy?"",""Answer"": ""ECP Beach Corp's policy is insured by Zurich Insurance Company Ltd (Singapore Branch)."",""Thought"": ""The answer is in the document provided, specifically under the 'Name of Insurer'. No additional details are needed."" }"
"{ ""Question"": ""Where was the policy signed?"",""Answer"": ""The policy was signed in Singapore."",""thought"": ""The location of the signing is directly stated in the financial information.""},"
"{""Question"": ""Can the company still cancel the policy if the chargee's consent is not given?"",""Answer"": ""Yes, the document states that obtaining the chargee's consent will in no way affect the company's right to cancel the policy."",""thought"": ""This information can be found in the 'Non-Cancellation clause' section of the document. No additional information was needed to answer this question.""}"
"{""Question"": ""How many 'caterpillar 320D hydraulic excavator c/w accessories' were bought in 2012?"",""Answer"": ""Five units of 'caterpillar 320D hydraulic excavator c/w accessories' were bought in 2012."",""Thought"": ""The document provides information about the purchase of several units of 'caterpillar 320D hydraulic excavator c/w accessories' in the year 2012. Counting all the mentions gives 5 units in total.""}[  "
"{""Question"": ""What is a 'Cyber Act' according to the document?"",""Answer"": ""A 'Cyber Act' is 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 directly taken from the document. No other information is required to answer this question.""},"
"{""Question"": ""What is the type of the insurance the policy holder has?"",""Answer"": ""The policy holder has a Fire Insurance (CSF)."",""Thought"": ""The document clearly states the type of insurance the policy holder has, therefore didn't require looking in a different source or inferencing.""},"
"{""Question"": ""Does the insurance policy cover damage caused by smoke?"",""Answer"": ""Yes, the policy covers destruction of or damage to the insured property directly caused by smoke due to a sudden unusual and faulty operation while in or on the premises. This also includes smoke or fume from a hostile fire surrounding the property which becomes uncontrollable or breaks out from where it was intended to be."",""Thought"": ""This part is clear from the information provided in the document, which states that the policy covers smoke damage resulting from a sudden and unusual operation.""},"
"{  ""Question"": ""How much is the indemnity limit for one loss in respect of employees' clothing and personal effects?"",  ""Answer"": ""SGD 50,000"",  ""thought"": ""The amount was provided in the Effect of Employees section of the document.""},"
"{""Question"": ""What is included under the term 'Computer System'?"",""Answer"": ""A 'Computer System' includes any computer, hardware, software, communications system, electronic device like smartphone, laptop, tablet, wearable device, server, cloud or microcontroller including any similar system or any configuration of these, and includes any associated input, output, data storage device, networking equipment, or back up facility."",""Thought"": ""The details given in the document provided a comprehensive definition of the term 'Computer System'.""},"
"{""Question"": ""What condition must be met for the validity of the policy?"", ""Answer"": ""For the policy to be valid, the insured should not have had any insurance terminated due to a breach of any premium payment condition in the past twelve months."", ""Thought"": ""The condition precedent clause provides the conditions for the validity of the policy.""},"
"{    ""Question"": ""What is the maximum liability for temporary external removal under the policy?"",  ""Answer"": ""The maximum liability under this coverage extension is the loss amount had the Insured Property not been removed, and in total not more than 10% of the sum insured for the Item."",  ""thought"": ""The policy clearly outlines the maximum liability for temporary external removal. Additional information isn't required.""  },"
"{""Question"": ""Does the insurance cover the cost of re-erecting, fitting and fixing machinery and plant in case of destruction or damage?"",""Answer"": ""Yes, the insurance covers the cost of re-erecting, fitting and fixing machinery and plant in case of destruction or damage."",""Thought"": ""The 'Cost of Re-Erection Clause' explains that the insurance covers the costs associated with re-erecting, fitting, and fixing machinery and plant.""},"
"{""Question"": ""What are the conditions under which the insured can cancel the insurance?"",""Answer"": ""The insurance can be cancelled by the Insured by sending thirty (30) days’ notice to the Company in writing. Provided that no claim has arisen during the current Period of Insurance, the Insured shall be entitled to a return of the premium less the Company’s short period rates for the period the Policy has been in force."",""thought"": ""The answer is directly available in section 2 (b) of the provided financial information. No other piece of information is necessary for this question.""},"
"{""Question"": ""What is MS First Capital Insurance Limited's address?"",""Answer"": ""6 Raffles Quay #21-00 Singapore 048580"",""thought"": ""The information is obtained directly from the document. It specifies the exact address of MS First Capital Insurance Limited.""},"
"{""Question"": ""Can the insured's financial details be produced by professional accountants?"",""Answer"": ""Yes, any details contained in the insured's books of accounts or other business books which may be needed for the purpose of investigating or verifying any claim under this policy may be produced by professional accountants if at the time they are regularly acting as such for the insured."",""thought"": ""According to the Professional Accountants Clause, this document provides some specific possibilities when professional accountants are acting for the insured. It does not specify how this policy could change if accountants are not present.""}"
"{""Question"": ""Is damage due to the explosion of a boiler covered by this policy?"",""Answer"": ""No, loss or damage due to the explosion of any boiler or pressure vessel is not covered by this policy."",""thought"": ""This is made clear under point 12 of the document, which states that loss or damage due to explosion of any boiler is not covered.""},"
"{""Question"": ""What is the territorial/geographical limit as stated in the document?"",""Answer"": ""1) 900 Gardens Road, Sakura Mall, Singapore 238238 2) 30 Camelia Avenue, The Camelia Mall, Singapore 129129 3) 380 to 400 & 422 to 484 (Even Numbers ), Umbrella Tree Road, The Rose Mall, Singapore 600040 to 600050,600051 to 600054,600056,600058, 600060,600062 to 600069,600206,600071 to 600074,600076 to 600087 4) Anywhere in Singapore including demonstration exhibition and contract sites where the Insured carries on Business has goods or other property stored or being processed or is legally responsible for property or has work done"",""thought"": ""The information is clearly stated in the document under the section territorial/geographical limits.""},"
"{""Question"": ""What is the clause capping for cost of Temporary Protection under the policy?"",""Answer"": ""The capping for cost of Temporary Protection under the policy is SGD 1,000,000."",""thought"": ""The capping limit is found in clause 20, which specifies SGD 1,000,000 as the limit for the cost of temporary protection.""},"
"{""Question"": ""Who is responsible for managing the property?"", ""Answer"": ""ABC Trustee Limited manages it as the Trustee of Paradise REIT. In addition, Sing A Song Property Management Services Pte Ltd also manages the property."", ""thought"": ""This information is provided under the 'Named Insured' section.""}"
"{""Question"": ""What does the policy cover regarding Curios and Works of Art?"",""Answer"": ""The policy extends to cover Insured's Curiosity and/or Works of Art, including Fine Arts, at any of the Insured's premises anywhere in Singapore for an amount not exceeding the sum insured stated in the Policy Schedule. The valuation of damage to these items will rely on several factors, such as an agreed value, appraised value, original acquisition cost, market value at the time of loss, actual replacement cost, cost of restoring and repair to a similar condition or the value to which the Insured has been contractually bound to insure."",""thought"": ""The outline of how the policy covers Curios and Works of Art is clearly given in the document. I gathered all the points mentioned related to this coverage for a comprehensive explanation.""}, "
"{    ""Question"": ""Why is there no financial information given?"",    ""Answer"": ""There could be multiple reasons for a blank page. Perhaps the information has not been uploaded yet, or there is a technical issue."",    ""thought"": ""There is no financial information on the page for me to generate any insightful questions and answers for this instance. In such cases, it would be appropriate to focus on reasons why the financial information might be missing and suggest some general issues.""}"
"{""Question"": ""What are the deductibles for each and every loss for water damage, breakage of glass and fire?"",""Answer"": ""SGD 2,500.00 for Breakage of Glass, SGD 5,000.00 for Water Damage, and NIL for Fire, Lightning, Explosion, Aircraft Damage, Burglary, Extended Impact Damage"",""thought"": ""All the deductible information is given for various types of damages in the section titled 'Deductibles'. For the specified damages of water, glass breakage, and fire, I can directly refer to the document and provide the correct response.""},"
"{""Question"": ""In which year was the new SEM919 motor grader bought and what was its cost?"",""Answer"": ""The new SEM919 motor grader was bought in 2019 and it costed $74,314.98."",""Thought"": ""Information about the year and cost of the new SEM919 motor grader is provided directly in the document. Therefore, I am directly providing it in the answer.""},"
"{  ""Question"": ""What is the condition concerning the replacement or reinstatement of the insured property?"",  ""Answer"": ""The work of replacement or reinstatement must be commenced and carried out with reasonable despatch and in any case must be completed within 12 months after the destruction or damage, or within such further time as the Company may allow in writing. No payment beyond the amount which would have been payable under the policy if the memorandum was not incorporated will be made if the process is not completed in the mentioned timeline."",  ""thought"": ""The timeline for replacement or reinstatement of the insured property is clearly stated in the policy under special provisions. The time is limited to a 12 month period following the destruction or damage, with possible extensions if granted by the company in written form. It's suggested that if these specifications are not met, the reimbursement would be limited to what would have been paid had the policy's memorandum not been included which i believe is typically lower than the cost of replacement or reinstatement. The document does not provide what the exact amount of the reimbursement would be in this scenario.""},"
"{""Question"": ""What does the Waiver of Subrogation Clause imply?"",""Answer"": ""The Waiver of Subrogation Clause implies that any claimant under this Policy shall at the request and at the expense of the Company do all such acts and things as may be necessary or reasonably required by the Company for enforcing any rights and remedies or obtaining relief or indemnity from other parties. This implies that rights of subrogation against associated, affiliated and/or subsidiary corporations or companies and/or any partner, officer and/or individual working in such entities is waived."",""Thought"": ""Specific details about the situations in which this clause will be applied are not given in the document. Additional information might be necessary to fully understand this clause.""},"
"{""Question"": ""What is the maximum amount covered under the Fire Extinguishing Expenses Clause?"",""Answer"": ""The maximum amount covered under the Fire Extinguishing Expenses Clause is $100,000."",""thought"": ""The document clearly mentions that the sum in no case under the Fire Extinguishing Expenses Clause should exceed $100,000.""}"
"{""Question"": ""What does the term 'Building' mean in this financial document?"",""Answer"": ""'Building' refers to the building at the Risk Situation(s) stated in the schedule including landlord’s fixtures, fittings therein and thereon, walls, gates, fences, small outbuildings, extensions, annexes, gangways and any improvement of structural nature within or immediately adjoining the boundaries of the Risk Situation issued by this policy."",""thought"": ""The term 'Building' is explicitly defined in the provided document, so it was straightforward to find and provide the specified definition. No additional information is required.""},"
"{""Question"": ""Who can cancel the insurance as per the document?"",""Answer"": ""According to the document, the insurance can be cancelled by the “First Named Insured” shown in the Declarations at any time by written notice or by surrender of this Policy."",""thought"": ""The cancellation section of the financial information provided the required details for answering this question.""}"
"{""Question"": ""What is the definition of 'Defined Contingency' in this policy?"",""Answer"": ""'Defined Contingency' refers to scenarios such as fire, lightning, explosion, aircraft and 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, impact by any road vehicle or animal, volcano, freeze or weight of snow."",""Thought"": ""The Defined Contingency includes diverse and extensive incidents. Therefore, any queries about exceptions or claims need to be evaluated under this definition.""},"
"{""Question"": ""What is the company's registered office address?"",""Answer"": ""6 Raffles Quay #21-00 Singapore 048580"",""thought"": ""This information can be found directly in the document provided in the beginning. No additional information is required to generate this answer.""},"
"{""Question"": ""Does the policy cover losses caused by distortion of electronic data?"",  ""Answer"": ""No"", ""thought"": ""Under the 'Electronic Data Endorsement B' clause, the policy clarifies that it does not insure loss, damage, destruction, distortion, erasure, corruption or alteration of electronic data from any cause whatsoever.""}"
"{""Question"": ""What conditions are imposed under the Breach of Conditions Clause?"",""Answer"": ""Any breach of the within conditions without the knowledge and consent of the Insured shall not prejudice this insurance provided notice, in writing, be given to the Company immediately upon such breach coming to their knowledge."",""thought"": ""According to the document, in case of a breach of conditions without the consent and knowledge of the insured, the insurance will not be affected as long as the company is notified immediately in writing about the breach. There is no need for additional information.""}"
"{""Question"": ""What happens after the expiry of the 60-day period under the Policy, Renewal Certificate, or Cover Note?"",""Answer"": ""The cover under the Policy, Renewal Certificate or Cover Note is automatically terminated immediately after the expiry of the said 60-day period."",""thought"": ""The information is specifically mentioned in the document. No further details or outside sources needed for this question.""},"
"{""Question"": ""How does this policy define 'Hacking'?"",""Answer"": ""According to this policy, 'Hacking' means unauthorized access to any computer or other equipment or component or system or item that processes, stores, transmits, or retrieves data."",""Thought"": ""The concept of hacking has been well elaborated in the policy, and it is important to bear in mind that cyber security breaches are part of the contingencies it covers.""},"
"{""Question"": ""What are the conditions for the policy to extend to include new acquisitions?"", ""Answer"": ""The policy can extend to include new acquisitions if the insured declares details of such acquisitions within the Period of Insurance and the business of the new acquisition should be similar to or associated with the Business as stated in the Schedule."", ""Thought"": ""Based on the provided information, the conditions for policy extension towards new acquisitions are specified in the 'Acquired Companies' clause.""},"
"{""Question"": ""What happens if the company wishes to revise the terms or terminate the policy?"",""Answer"": ""If the company wishes to revise the terms or terminate the Policy, they have to give 90 days’ notice. If the 90-day period crosses over the next insurance period, the company shall continue to cover the insured based on the expiring terms and conditions and charge an additional premium on a pro-rata basis."",""Thought"": ""The process in case of revision or termination of policy is clearly mentioned in the document.""},"
"{""Question"": ""Who is the subsidiary of Great Eastern General Insurance Limited?"",""Answer"": ""Great Eastern General Insurance Limited is a wholly-owned subsidiary of Great Eastern Holdings Limited."",""thought"": ""The information in the given document clearly states the subsidiary relationship between Great Eastern General Insurance Limited and Great Eastern Holdings Limited. No need for further information.""},"
"{""Question"": ""What does Item 2 refer to in respect to insurance coverage?"",""Answer"": ""Item 2 refers to the coverage of professional fees and claims preparation costs. This includes reasonable fees for financial advisors, accountants, Loss Adjusters, insurance brokers, and valuers appointed by the Insured. It also includes other reasonable expenses incurred by the insured for the preparation, proving, and verification of claims made under Sections I and II of the policy. The insurer further indemnifies the insured for the costs of arbitration if incurred and for the reasonable fees and expenses, salaries, wages and overheads of the insured's employees."",""thought"": ""The question asked for specifics of the insurance coverage under item 2. The answer was directly taken from the passages under 'Item No. 2' in the document.""},"
"{  ""Question"": ""What is considered a 'Communicable Disease' in the context of this policy?"",  ""Answer"": ""A Communicable Disease is any disease which can be transmitted by means of any substance or agent from any organism to another organism where the substance or agent includes a virus, bacterium, parasite or other organism or any variation thereof, whether deemed living or not. The method of transmission can include airborne transmission, bodily fluid transmission, transmission from or to any surface or object, solid, liquid or gas or between organisms and the disease can cause or threaten damage to human health or welfare or can cause or threaten damage to, deterioration of, loss of value of, marketability of or loss of use of property insured by the policy."",  ""thought"": ""This is outlined in Addendum No.3 under the Communicable Disease Endorsement. The definition is quite broad and includes various means of transmission and impacts.""}"
"{""Question"": ""What is the protocol should there be a leakage from the Automatic Sprinkler Installation in the Premises?"",""Answer"": ""The insurance covers loss or damage to Property or Properties caused by water accidentally discharged or leaking from the Automatic Sprinkler Installation. However, it will not cover if the leakage is caused by heat from fire, repairs or alterations to the buildings or premises, repairs, removal or extension of the sprinkler system, freezing of the premises, order of the Government, Volcanic Eruptions, Earthquake, Subterranean Fire, Riot, Civil Commotion, War, Invasion, Act of Foreign Enemy, Hostilities, Civil War, Rebellion, Revolution, Insurrection or Military or Usurped Power, Explosion, the Blowing up of Building or Blasting, and defects in construction or condition."",""thought"": ""N/A""},"
"{""Question"": ""What is the maximum coverage for damage to outdoor lawn, trees, plants and shrubs?"",""Answer"": ""$10,000"",""thought"": ""The coverage limit for damage to outdoor lawn, trees, plants, and shrubs is specified in the scenario given. No additional information is needed.""},"
"{""Question"": ""Who is the insurance insured by?"",""Answer"": ""The insurance is insured by QBE Insurance (Singapore) Pte Ltd."",""Thought"": ""The information for this answer was taken directly from the given document which stated 'Insured by: QBE Insurance (Singapore) Pte Ltd'.""},"
"{""Question"": ""Who is the insured party in this policy?"",""Answer"": ""The insured party is Skyline Aging PTE. LTD. as mortgagor and DBS Bank LTD as mortgagee for their respective rights and interests."",""thought"": ""The insured party is clearly mentioned in the document. There's no need for outside information.""},"
"{""Question"": ""What is the proportion percentage of Zurich Insurance Company Ltd (Singapore Branch) as a leading co-insurer?"",""Answer"": ""The proportion of Zurich Insurance Company Ltd (Singapore Branch) as a leading co-insurer is 15.00%"",""thought"": ""The proportion was directly mentioned in the list under 'PRIMARY INSURERS'. No additional information was required.""},"
"{""Question"": ""What is the total premium due for this policy?"",""Answer"": ""The total premium due for this policy is SGD0.00."",""thought"": ""The premium information was directly available and readable on the document under 'Premium' section, no external reference needed.""},"
"{""Question"": ""How much is the deductible for Landslip and Subsidence caused by flood?"",""Answer"": ""The deductible for Landslip and Subsidence caused by flood is SGD15,000"",""thought"": ""The deductible amount for Landslip and Subsidence caused by flood was mentioned explicitly in the document.""},"
""
"{""Question"": ""Where is the insured risk located?"",""Answer"": ""The insured risk is located at 3 Digital Road #30-01 Architecture Tower Singapore 079079."",""Thought"": ""The document specifies the location of the insured risk. I used this information to answer the question.""}"
"{        ""Question"": ""What is the purpose of a 'Loss Payee Clause'?"",        ""Answer"": ""The 'Loss Payee Clause' details how any payment for loss insured under the policy is made. First, the payment is made to any party named as the 'Loss Payee' to the extent of its interest in the insurance. Then, the insurer's liability to the insured is reduced by the same amount. The insurer is then legally subrogated to all rights of the Loss Payee to the extent of such a payment."",        ""Thought"": ""The clause seems to be a provision to protect the interest of a third party who has a financial interest in the insured property. However, more specifics about the 'Loss Payee' such as their role and specifics of the subrogation clause aren't mentioned in the information given, we would need additional data to provide further elaboration.""    },    "
"{""Question"": ""Does the policy cover pollution liability?"",""Answer"": ""The policy does not extend to any liability that the insured may incur as a consequence of pollution unless it's caused by a peril not excluded by the policy."",""thought"": ""The document specifically mentions the policy's stance on pollution liability. I do not need to refer to any other document.""}]"
"{""Question"": ""What is the coverage limit for the Food or Drinks Poisoning, Murder or Suicide, Pest & Vermin, Defective Sanitary Arrangement section?"",""Answer"": ""The coverage limit for the Food or Drinks Poisoning, Murder or Suicide, Pest & Vermin, Defective Sanitary Arrangement section is SGD 1,000,000 for any one occurrence and in the aggregate."",""Thought"": ""This information came directly from section 14 of the financial document.""}"
"{""Question"": ""What happens to the abandoned undamaged portion(s) of a building or buildings if their reinstatement need to be carried out on a different site?"",""Answer"": ""The abandoned undamaged portion(s) of such building or buildings will be considered as being destroyed. However, if it increases the sale value of the original building site, the increase in sale value will be regarded as salvage and will be payable to the insurers by the insured."",""thought"": ""The document directly explains this situation under the point of 'Undamaged Buildings' and there is no need to infer or look beyond the document for this information.""}"
"{""Question"": ""What type of damages does the On Premises (Utilities) Services cover?"",""Answer"": ""The On Premises (Utilities) Services cover includes damage to electrical equipment and equipment used for communication, such as transmission lines and cables and installations, infrastructure, equipment or other apparatus used in the supply of electricity, gas, natural gas, steam, water, refrigeration and any other form of power or sewerage."",""thought"": ""The document provides a detailed explanation of damages covered under On Premises (Utilities) Services, no additional information is needed.""},"
"{""Question"": ""What will happen if the total premium due is not fully paid and received by the Company before the inception date, as per the 'Premium Payment Warranty Clauses'?"",""Answer"": ""If the total premium due is not paid and actually received in full by the Company (or the intermediary through whom this Policy or Bond was effected) on or before the inception date referred to above, then the Policy, Bond, Renewal Certificate, Cover Note and endorsement shall not attach and no benefits whatsoever shall be payable by the Company. Any payment received thereafter shall be of no effect whatsoever as cover never attached on the Policy, Bond, Renewal Certificate, Cover Note and Endorsement."",""thought"": ""The financial information specifically highlights the consequences of not paying the full premium before the policy's inception date in the 'Premium Payment Warranty Clauses'. There is no need to look elsewhere in the document or seek external information for answering this question.""}"
"{""Question"": ""What is covered under 'ADDITIONAL PERILS/EXTENSIONS' in QBE Fire policy?"",""Answer"": ""The document does not fill in the details on what is covered under 'ADDITIONAL PERILS/EXTENSIONS' in QBE Fire policy."",""Thought"": ""This question asks about the specific content of the 'ADDITIONAL PERILS/EXTENSIONS' section in the QBE Fire Policy. Although the section is listed in the table of contents, the content provided does not include any details from this section. Therefore, a direct answer from the given document cannot be provided.""}"
"{""Question"": ""What is the maximum liability of the company under the coverage extension related to the Escalation Clause?"",""Answer"": ""10% of the value by Item most recently declared and endorsed for insurance under the Policy prior to application of this coverage extension."",""Thought"": ""The maximum liability of the company under the coverage extension is mentioned in the 'Escalation Clause' section of the supplied financial information. There's no need to refer to any outside documents or information.""},"
"{""Question"": ""What does Cyber Act mean in the context of this policy?"",""Answer"": ""Cyber Act in the context of this policy, refers to an unauthorized, malicious or criminal act or series of related unauthorized, 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"": ""Since the definition of Cyber Act is given in the document, the answer was directly taken from the provided text.""},"
"{""Question"": ""What is the company's total liability for costs of temporary shuttering, boarding up and protection during an insurance period?"",""Answer"": ""The insurance company's total liability for costs of temporary shuttering, boarding up and other protection during an insurance period is limited to $100,000, unless otherwise specified in the Schedule."",""Thought"": ""The 'Cost of Temporary Protection Clause' specifies the limit of the company's liability for costs incurred for the safeguarding of the premises and/or contents under this policy.""},"
"{""Question"": ""What is the period of this insurance policy?"",""Answer"": ""The period of this insurance policy is from 01/04/2023 to 31/03/2024"",""Thought"": ""The insurance policy period is often mentioned in the document. In this case, the period was stated under the 'Period of Insurance' header.""},"
"{""Question"": ""Who is the owner of insured property?"",""Answer"": ""Funtasia Pte. Ltd. and Funtasia Resorts Pte Ltd"",""Thought"": ""The name of the owners is mentioned under the Name of Insured section of the document.""},"
"{""Question"": ""What happens with the insurance in the event of inadvertent property removal according to Section 21 'Internal Removal'?"",""Answer"": ""In the event of inadvertent property removal from one building to another, the insurance on such property will follow the removal. Adjustments in sums insured and premium will be made from the date of removal as soon as the oversight is discovered."",""thought"": ""The document provides a complete understanding of what happens to the insurance in case of internal property removal. So, no additional information outside of this document is necessary.""}[    "
"{""Question"": ""How can the company cancel the policy?"",""Answer"": ""The Company may cancel the Policy by sending ten (10) days’ notice by registered letter to the Insured at his last known address and will return to the Insured a proportionate part of the premium corresponding to the unexpired Period of Insurance."",""thought"": ""This statement can be found under the 'Cancellation' section of the document.""},"
"{""Question"": ""What is the class of insurance covered?"",""Answer"": ""The class of insurance covered is PROPERTY DAMAGE and BUSINESS INTERRUPTION."",""Thought"": ""The class of insurance was mentioned in the text provided, so I did not need to speculate or seek additional information to provide this answer.""},"
"{""Question"": ""What does the Fire Insurance policy provided by Income Insurance Ltd cover?"",""Answer"": ""The Fire Insurance policy covers damage or destruction caused by Fire or Lightning to the Property Insured. The value of the Property Insured or the amount of damage will be paid or made good to the Insured if such event happens during the Period of Insurance."",""thought"": ""The coverage details are outlined in the main body of the policy document. The policy clearly states what it covers, which includes damage or destruction by Fire or Lightning to the Property Insured.""},"
"{""Question"": ""What happens to the sum insured upon the occurrence of any loss or damage covered by this policy?"",""Answer"": ""Upon the happening of any loss or damage covered by this policy the sum insured in respect of the lost or damaged item shall be reinstated to the full sum insured stated in the Schedule. However, the insured is required to pay the additional premium calculated on a pro rata basis from the date of the happening to the expiry date of the period of insurance."",""thought"": ""This is explained in the 'Automatic Reinstatement Clause' of the document. This clause states the sum insured is reinstated after any loss or damage, subject to the payment of an additional premium.""}"
"{""Question"": ""What is the company entitled to after the automatic termination of the cover?"",""Answer"": ""The Company shall be entitled to a pro-rata time on risk premium subject to a minimum of S$25."",""thought"": ""With the automatic termination of the cover, the company has a right to a pro-rata time on risk premium. The document mentions the minimum amount to be S$25, hence you should not need any additional information dealing with this question.""}"
"{""Question"": ""What is a 'Computer Network' as per the document?"",""Answer"": ""A 'Computer Network' means a group of Computer Systems and other electronic devices or network facilities connected via a form of communications technology, allowing the networked computing devices to exchange Data."",""thought"": ""The definition of 'Computer Network' is clearly provided in the document.""},"
"{""Question"": ""What is the registered number of MS First Capital Insurance Limited?"",""Answer"": ""The registered number of MS First Capital Insurance Limited is 19S000106C."",""thought"": ""The registered number mentioned at the beginning of the document represents the company's registration with the appropriate body. In this case, since no other numbers are mentioned as a registration number, it is reasonable to state that 19S000106C is the unique identifier of this company.""},"
"{""Question"": ""Who is the insurer with the lowest proportion percentage and what is its percentage?"",""Answer"": ""The insurer with the lowest proportion percentage is Liberty Specialty Markets Singapore Pte Limited, with a proportion percentage of 1.85%"",""thought"": ""Looking at the proportion percentages mentioned, Liberty Specialty Markets Singapore Pte Limited has the lowest at 1.85%. No additional information was required.""}"
"{""Question"": ""What is the sum insured for the buildings?"",""Answer"": ""The sum insured for the buildings is SGD21,360,000"",""thought"": ""The sum insured amount for the buildings was directly mentioned in the document. I computed it from the value given against 'Building whilst at'.""},"
"{""Question"": ""What is the process for claiming loss or damage?"",""Answer"": ""To claim loss or damage, the insured must give notice to 'Income' immediately after the occurrence and submit a written claim within 15 days. This claim should include detailed accounts of each damaged or destroyed item and the extent of their loss or damage. Details of any other insurances should also be mentioned. The insured should provide all necessary particulars, plans, specifications, books, vouchers, invoices, duplicates, and proofs regarding the origin and cause of the fire and other circumstances under which the loss or damage happened."",""thought"": ""The policy provides a clear procedure for claiming loss or damage. Therefore, no additional information is required.""},"
"{""Question"": ""What is covered under the 'Rent Payable' clause of this insurance policy?"",""Answer"": ""Under the 'Rent Payable' clause of this insurance policy, the insurance is extended to include rent and other expenses payable by the insured in accordance with any lease agreement. It will pay for such sums that the insured is legally liable to pay, and the owner or lessor is legally entitled to receive for the unexpired term of the lease."",""thought"": ""The 'Rent Payable' clause is explicitly stated in the document.""},"
"{""Question"": ""What type of business is being insured?"",""Answer"": ""Property Investment business is being insured."",""thought"": ""The business type is specified under the 'Business' section in the document.""},"
"{  ""Question"": ""Who will the loss under the policy be payable to?"",  ""Answer"": ""The Interested party as stated in the policy"",  ""thought"": ""The document clearly states that any loss under the policy would be payable to the interested party as stated in the policy and can be used to answer this question.""},"
"{""Question"": ""What is the 'average' clause in the policy, and how does it affect the insured?"",""Answer"": ""If the insured property is collectively of greater value than the sum insured thereon at the time of any fire, then the Insured will be considered as being his own insurer for the difference and will bear a rateable proportion of the loss accordingly. If there is more than one item in the Policy, then each will be separately subject to this condition."",""thought"": ""The document mentions an 'average' clause. This would mean in case of a claim, if the overall value of the insured property is greater than the insurance cover, then the policy holder will have to bear a proportionate loss. No additional information is needed here, the document explains this clause sufficiently.""},"
"{""Question"": ""What is the sum insured for Contents/Plants and Equipments?"",""Answer"": ""The sum insured for Contents/Plants and Equipments is SGD1,150,000"",""thought"": ""The sum insured amount for Contents/Plants and Equipments was mentioned directly on the document.""},"
"{""Question"": ""What is the rated power of the machine AVN2200AB-2 605PR￾1.2 078250?"",""Answer"": ""The rated power of the machine AVN2200AB-2 605PR￾1.2 078250 is 250kW."",""thought"": ""The information was clearly stated in the document, no further investigation was needed.""}, "
"{""Question"": ""Where is the insured company located?"",""Answer"": ""The insured company, Small Tunnel Pte Ltd, is located at 1 Happy Way, Happy Hub, Singapore 889454."",""Thought"": ""This information was also stated in the document under the insured company details.""}"
"{""Question"": ""What does the Loss Payable section of the policy state?"",""Answer"": ""Until such time as the bank or financial institution as mortgagees specified in the Schedule may direct to the contrary all claims and losses hereunder shall be payable directly to such bank or financial institution as appropriate."",""thought"": ""The 'Loss Payable' section of the provided document was directly used to generate this question and its answer. No further documents were required.""},"
"{""Question"": ""Does the policy cover the cost of Architects’, Surveyors and Consultants’ Fees?"",""Answer"": ""Yes, the insurance on buildings extends to include Architects', Surveyors' and Consulting Engineers' legal and other fees for estimates, plans, specifications, quantities, tenders and supervisions incurred in the reinstatement of loss in the event of damage."",""thought"": ""The information was directly given in the section 'Professional Fees including Architects’, Surveyors and Consultants’ Fees'. Further information about the conditions when the insurance company chooses to reinstate or replace damaged buildings, would require additional text not provided.""},"
"{""Question"": ""What is the definition of 'Reinstatement’ as per this policy?"",""Answer"": ""In terms of insurance under this Memorandum, 'Reinstatement' means the replacement or repair of the property lost, destroyed, or damaged. In cases of buildings, it refers to the rebuilding to a condition equal to its condition when new. In cases of other property, it's the replacement with similar property to its condition when new. For damaged property, it's the repair of the damage and the restoration of the damaged portion of the property in a condition equal to, but not better or more extensive than, its condition when new."",""thought"": ""The term 'reinstatement' is clearly defined in the given document. It involves either reconstructing or replacing the damaged property, but only to the extent of its original condition when it was new, emphasizing that it shouldn't be better or more extensive post-reinstatement.""}"
"{""Question"": ""Who is the underwriter of the Fire Insurance Policy?"",""Answer"": ""The Fire Insurance Policy is underwritten by Chubb Insurance Singapore Limited."",""Thought"": ""The information provided directly mentions that the company underwriting the policy is Chubb Insurance Singapore Limited.""},"
"{""Question"": ""What is the address of the Claims & Motor Underwriting Department?"",""Answer"": ""The address of Claims & Motor Underwriting Department is 16 Raffles Quay #42-01 Hong Leong Building, Singapore 048581."",""Thought"": ""The address of the Claims & Motor Underwriting Department is directly mentioned in the document.""}"
"{""Question"": ""What is the use of the second floor at 47 Old Street 22?"",""Answer"": ""The second floor at 47 Old Street 22 is occupied as a Residence."",""thought"": ""The financial document specifies that the second floor of the property at 47 Old Street 22 is occupied as a residence.""},"
"{""Question"": ""Is the company liable for any loss insured by the extension if the interruption of or interference with the business exceeds a period of time excess stated in the Schedule?"",""Answer"": ""Yes, the company is liable for any loss insured by this extension if the interruption of or interference with the business exceeds a period of the time excess stated in the Schedule. However, the liability of the Company under this extension shall apply only to such period in excess of the time excess. In the case of Prevention of Access, the time excess is 2 days and for Public Utilities, it is 6 hours."",""thought"": ""The document specifically mentions that the company is liable if the interruption exceed the time excess specified. For the Prevention of Access, it's 2 days and for Public Utilities it's 6 hours. There is no further information on what happens when the interruption is below the time excess.""},"
"{""Question"": ""What happens if a policy expires while an insured event or loss is in progress?"",""Answer"": ""The insurer is still responsible for the payment of losses and other loss related monies as if the entire loss had occurred prior to the expiration of the policy."",""thought"": ""In this document, it is clearly mentioned in the section titled 'Expiration'. It's important for policyholders to understand what happens when their policies expire under different scenarios. This point doesn't need any redirection.""}"
"{""Question"": ""What is the Limit for Debris Removal?"",""Answer"": ""The Limit for Debris Removal is SGD20,000,000."",""thought"": ""The information was found in the list of policy inclusions, specifically number 23.""},"
"{  ""Question"": ""What is the period of insurance?"",  ""Answer"": ""The period of insurance is from 21 May 2023 to 20 May 2024."",  ""thought"": ""The period of insurance refers to the time during which the insurance policy remains effective and can offer coverage to the policy holder. In this document, it is clearly mentioned as from 21 May 2023 to 20 May 2024.""},"
"{""Question"": ""What is the policy number for MS First Capital Insurance Limited?"",""Answer"": ""The policy number for MS First Capital Insurance Limited is D-23023966FAIR/9."",""Thought"": ""The policy number was clearly mentioned in the provided document, so no additional information or redirection was required.""},"
"{    ""Question"":""What is the insured sum?"",    ""Answer"":""SGD 35,000.00"",    ""Thought"":""The insured sum is directly given in the financial document and hence the information is extracted directly for the answer.""},"
"{""Question"": ""Who to contact in case of any query regarding the insurance policy?"",""Answer"": ""In case of any query regarding the insurance policy, you can contact your Registered Agent/Broker or the QBE office."",""thought"": ""The information clearly mentions that any queries can be addressed to the Registered Agent/Broker or the QBE office. There is no need for additional information to answer this question.""},"
"{        ""Question"": ""What is the provision under 'Payment on Account' clause?"",        ""Answer"": ""If liability under the policy for loss has been established, but the final loss amount payable has yet to be determined, progress payments on account can be made upon request by the Insured at times and for amounts agreed with by the insurer. However, the total of such payments should be deducted from the finally determined amount of insured loss."",        ""Thought"": ""This information suggests that the insured party can request for payments while the final compensation amount is being determined. This could help the insured party to manage immediate costs related to the loss. We would need to know more about the 'agreed amounts' as it is not clearly defined in this document.""    }]"
"{""Question"": ""How is the insurance settlement determined for airline tickets stock?"",""Answer"": ""The amount actually paid to the carrier and/or the amount which the Insured may be bound to indemnify the carrier limited to the expenses incurred arising through the use of the airline tickets prior to the date of loss being reported to the carrier and/or the recovery of stolen tickets."",""thought"": ""This information is found under the 'BASIS OF SETTLEMENT' section for the stock of airline tickets. It provides a detailed understanding of how the airline tickets stock is covered in case of loss.""}"
"{""Question"": ""What is the expiration date of the policy?"",""Answer"": ""The policy expires on 31st December 2023."",""thought"": ""Expiration date of the policy was directly mentioned in the document.""},"
"{""Question"": ""What is the premium for this insurance policy?"",""Answer"": ""The premium for this insurance policy is SGD 993.60"",""Thought"": ""The premium cost is usually listed on the insurance documents. Here, it was indicated under the premium section and it's stated to include GST.""},"
"{""Question"": ""What is the total sum insured?"",""Answer"": ""The total sum insured is SGD 2,300,000"",""Thought"": ""The total sum insured is provided under the 'Total Sum Insured' section of the document. This includes the sum insured for the building and stock-in-trade.""},"
"{""Question"": ""What are the addresses/location of the insured properties?"",""Answer"": [            ""8 Long Road, Singapore 559904"",            ""8A Long Road, Singapore 559905"",            ""10 Net Road, Singapore 998750"",            ""10A Net Road, Singapore 998751"",            ""10B Net Road, Singapore 998752""           ],""thought"": ""All the insured property addresses were directly available under the 'Situation' section in the document, no additional information required.""}"
"{""Question"": ""Where can the Code of General Insurance Practice and Your Guide to General Insurance be found?"",""Answer"": ""The Code of General Insurance Practice and Your Guide to General Insurance can be found online at www.gia.org.sg."",""Thought"": ""The document provides a web address for additional resources related to insurance practices.""}"
"{""Question"": ""What is the limit for the Fire Brigade Charges according to the policy?"",""Answer"": ""The limit for the Fire Brigade Charges is S$100,000/- according to the policy."",""Thought"": ""The policy document states the limit for the Fire Brigade Charges to be S$100,000/-.""},"
"{""Question"": ""Is there any deductible on claims related to sprinkler leakage?"",""Answer"": ""Yes, the insurance policy will not pay for a deductible of the first S$1,000.00 of each claim payable under this extension."",""thought"": ""N/A""},"
"{  ""Question"": ""What should the policyholder do if they find any error or misdescription in the policy?"",  ""Answer"": ""If the policyholder finds any error or misdescription in the policy, they should return the policy to the issuing office for correction."",  ""Thought"": ""This information is clearly stated in the document under 'Important Notice'.""}"
"{""Question"": ""What does 'unlawful association' mean as per the document?"",""Answer"": ""'Unlawful association' means 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 detail was part of the definitions and was available in the document.""}"
"{""Question"": ""What does the term Computer System encompass in this policy?"",""Answer"": ""The term Computer System in this policy encompasses any computer, hardware, software, communications system, electronic device (including, but not limited to, smart phone, laptop, tablet, wearable device), server, cloud or microcontroller including any similar system or any configuration of the aforementioned and including any associated input, output, data storage device, networking equipment or back up facility, owned or operated by the Insured or any other party."",""Thought"": ""The answer was compiled based on the description given for the term 'Computer System' in the provided financial information.""},"
"{""Question"": ""What does the term 'Cyber Loss' refer to in this policy document?"",""Answer"": ""Cyber Loss refers to any loss, damage, liability, claim, cost or expense of whatsoever nature directly or indirectly caused by, contributed to by, resulting from, arising out of or in connection with any Cyber Act or Cyber Incident. This includes actions taken in controlling, preventing, suppressing or remediating any Cyber Act or Cyber Incident."",""thought"": ""The definition of the term 'Cyber Loss' is clearly outlined in the document under the 'Definitions' section. There is no need to infer or extract information from other parts of the document, as the explanation is quite comprehensive.""},"
"{""Question"": ""What is included under the term 'Property Insured' in the policy?"",""Answer"": ""Property Insured includes all real and personal property of every kind and description belonging to the Insured, for which the Insured is responsible or has assumed responsibility to insure. This includes property in which the Insured may acquire an insurance-related, financial, or economic interest or for the damage of which the Insured becomes responsible or assumes responsibility to insure during the period of insurance. This property can include telephone, gas, water and electric instruments, meters, piping, cabling, lines, towers, poles and similar items in and around buildings owned or occupied by the Insured, including similar property in adjoining yards or roadways or underground, and within a 1000 meters of the boundaries of the Insured Premises. It also includes property of the Insured or of suppliers or others for which the Insured is responsible. Personal property includes money (such as current coin, bank notes, currency notes, cheques, travelers’ cheques, bonds, securities, negotiable instruments, credit card sales, and/or discount house vouchers, postal orders, money orders, unused postage and revenue stamps, and the value of stamps contained in franking machines)."",""thought"": ""The description for 'Property Insured' is clearly described and comprehensive, covering a wide range of properties the Insured might own or be responsible for. No need to look elsewhere for more information as the document provides a clear, detailed explanation.""},"
"{""Question"": ""What is the maximum liability of the Company for the extensions?"",""Answer"": ""The liability of the Company for this extension shall not exceed 10% of Sum Insured or $2,000,000, whichever is the lesser amount."",""thought"": ""The document mentions that the maximum liability of the company for these extensions cannot exceed 10% of the Sum Insured or $2,000,000, whichever is the lesser amount. But there is no further information to specify scenarios where this might vary.""},"
"{""Question"": ""What action can be taken if the damaged property cannot be economically repaired or replaced due to technological changes, according to the policy of MS First Capital Insurance Limited?"",""Answer"": ""According to this policy, if the damaged property cannot be economically repaired or replaced due to technological changes, the Insured may replace the damaged property with property offering greater total function, capability and/or output as long as it does not exceed the value of the sum insured or reasonable pre-loss sum insured for the item damaged."",""thought"": ""The document explains the procedure and conditions that are to be followed when the property is damaged and cannot be economically repaired or replaced.""},"
"{""Question"": ""What conditions apply under the policy's Breach of Condition clause?"",""Answer"": ""Under the Breach of Condition clause, the conditions and warranties of the policy apply individually to each of the risks insured and not collectively to them. A breach of any condition or warranty voids the section only for the risks to which that breach applied and does not affect the section of the other risks."",""thought"": ""The question is based on the provided financial document, specifically on the information under the Breach of Condition clause. There is no need for additional information from external sources.""}"
"{  ""Question"": ""What is the coverage limit for property of the guests whilst in the care, custody, and control of the Insured?"",  ""Answer"": ""The coverage limit for the property of the guests while in the care, custody, and control of the Insured is SGD 5,000 per item and SGD 100,000 in total."",  ""thought"": ""This information was stated directly under Clause 6 - Guests’ effect held in Insured’s Care, Custody and Control in the provided document. No extra information is needed outside of the document.""},"
"{""Question"": ""Will the insurance cover loss or damage caused by explosion?"",""Answer"": ""Yes, the insurance extends to include loss or damage caused by an explosion, excluding damage to boilers, economisers, or other vessels, machinery or apparatus in which pressure is used or their contents resulting from their explosion."",""thought"": ""The document under the Standard Explosion Endorsement explicitly states that the insurance covers loss or damage caused by explosions with a few exceptions.""},"
"{""Question"": ""Does the insurance cover damage caused by aircraft and other aerial devices?"",""Answer"": ""Yes, the insurance extends to include loss or damage to the property insured directly caused by aircraft and other aerial devices and/or articles dropped therefrom, excluding any damage caused by any aircraft for which permission to land has been extended by the insured."",""thought"": ""This is mentioned under the Aircraft Damage Endorsement and Special Condition (b) of the insurance policy.""}"
"{    ""Question"": ""Which unit is more expensive, the Hitachi ZX33U-5A with the serial number HCMADB90J00040379 or the Hitachi ZX48U-5A with the serial number HCMAEA90V00037881?"",    ""Answer"": ""The Hitachi ZX48U-5A with the serial number HCMAEA90V00037881 is more expensive with a cost of $43,200.00 compared to the Hitachi ZX33U-5A with the serial number HCMADB90J00040379 which costs $36,000.00."",    ""Thought"": ""The prices of the two units are mentioned in the given document along with their serial numbers. Simply compared these given numbers to determine which unit is more expensive. No outside information was required.""  }]"
"{""Question"": ""What is the maximum limit for pollution clean-up costs?"",""Answer"": ""The maximum limit for pollution clean-up costs is SGD 100,000 for any one occurrence and in the aggregate."",""thought"": ""The answer was straightforward, provided directly from the information where it states 'liability of the Insurer(s) shall be limited to SGD100,000 in respect of any one occurrence and in the aggregate'. No additional information needed.""},"
"{""Question"": ""What does the Riot and Strike Endorsement cover?"",""Answer"": ""The Riot and Strike Endorsement extends the insurance to cover Riot and Strike damage which include loss or damage to the insured property directly caused by the act of any person causing disturbance of the public peace, action of any lawfully constituted authority suppressing such disturbances or minimizing its consequences, wilful act of any striker or locked-out worker done in support of a strike or against a lock-out, and action of any lawfully constituted authority preventing or minimizing such acts."",""Thought"": ""The information provided explains the scenarios which are covered under Riot and Strike Endorsement. However, details about the specific financial implications of these coverages - like payment limits, deductibles if any, are lacking in the document.""},"
"{""Question"": ""What does this policy exclude?"",""Answer"": ""This policy excludes any Cyber Loss, unless subject to the provisions of paragraph 2, and any loss, damage, liability, claim, cost, expense of whatsoever nature directly or indirectly caused by, contributed to by, resulting from, arising out of or in connection with any loss of use, reduction in functionality, repair, replacement, restoration or reproduction of any Data, unless subject to the provisions of paragraph 3."",""Thought"": ""The exclusions of the policy are clearly mentioned in paragraphs 1 and 1.2 of the file provided.""},"
"{""Question"": ""What will happen if DBS Bank Ltd is not given a 30 days’ notice prior to cancellation of the policy due to non-payment of premiums or otherwise?"",""Answer"": ""The Insurance Company undertakes to provide DBS Bank Ltd with at least 30 days’ notice prior to cancellation of this Policy by reason of non-payment of premiums or otherwise, and offer DBS Bank Ltd. an opportunity of paying such premiums which may be in default."",""Thought"": ""The clause states that in case of a prospective cancellation due to non-payment of premiums, the Insurance Company is obligated to inform DBS Bank Ltd at least 30 days in advance and give it an opportunity to pay the defaulted premiums. If this doesn't happen, it implies a violation of the contract on part of the Insurance Company. For further possible consequences, additional documents detailing the penalties for contract violations would be required.""}"
"{""Question"": ""What is the policy issuer's contact number?"",""Answer"": ""The contact number of the policy issuer, MSIG Insurance (Singapore) Pte. Ltd., is +65 6827 7888."",""thought"": ""The phone number is usually stated at the beginning of the document, as in this case.""}"
"{    ""Question"": ""Does the policy provide coverage for loss caused by spontaneous combustion of coal?"",    ""Answer"": ""No, this policy does not cover loss or damage caused by spontaneous combustion of coal unless stated otherwise in the policy."",    ""Thought"": ""The answer is based on the given information, no extra information is required.""  },  "
"{""Question"": ""What is the policy number of the insurance bought by Cyclone Engineering PTE LTD?"",""Answer"": ""P1913292"",""Thought"": ""The policy number was clearly mentioned in the financial document provided.""},"
"{""Question"": ""What does the insurance cover in the case of damage to the insured’s computer system records?"",""Answer"": ""It covers the cost of reinstating, replacing, reproducing or restoring the computer system records, including their information. However, the value to the insured of the said information is excluded."",""thought"": ""The details are listed under the 'BASIS OF SETTLEMENT' segment for computer systems records category. Explicitly mentions what is covered and what is not. No further information is required.""},"
"{""Question"": ""When will the insurance policy coverage cease?"",""Answer"": ""The insurance coverage ceases at 12.00 midnight of the last day of the period of insurance stated in the schedule or before 12.00 midnight of the last day of any subsequent period in which the premium has been paid and accepted for renewal of the policy."",""Thought"": ""The end of the insurance coverage is clearly laid down in the policy as either being the last day stated in the policy period or the last day of the if the policy was renewed.""},"
"{""Question"": ""What is the premium for the insurance policy?"",""Answer"": ""SGD1,123.50"",""thought"": ""The premium amount payable for the policy is mentioned under the 'Premium'.""},"
"{""Question"": ""What is the excess for all other accidental loss/damage excluding fire, lightning, explosion, burglary & plate glass?"",""Answer"": ""The excess for all other accidental loss/damage excluding fire, lightning, explosion, burglary & plate glass is SGD750."",""thought"": ""The answer was straightforward and was directly extracted from the provided financial information.""},"
"{""Question"": ""Does the policy cover temporary removal of property for renovation or repair?"",""Answer"": ""Yes, the policy covers the property insured under this policy while it is temporarily removed for cleaning, renovation, modifications, repair or similar purposes elsewhere on the same or to any other premises and in transit thereto and therefrom by road, rail, or inland waterway all in the Republic of Singapore. The coverage is limited to 10% of the sum insured."",""Thought"": ""The policy text clearly mentions the coverage for temporary removal of the property for certain purposes, including renovation or repair, and the coverage limit. However, the text also mentions that this extension does not apply to property if and so far as it is otherwise insured, and neither does it apply to items covering stock and merchandise of every description. Additionally, it also does not apply to losses occurring elsewhere other than at the premises from which the property is temporarily removed.""},"
"{""Question"": ""Who is the account executive for the policy?"",""Answer"": ""The Account Executive for the policy is Veron Yap."",""thought"": ""This information is provided in the midsection of the document, marked as 'Acc. Exec.'""}"
"{""Question"": ""How does the policy of MS First Capital Insurance Limited address errors, omissions & misdescription?"",""Answer"": ""The Insured shall not be prejudiced by any unintended and/or inadvertent error, omission, or misdescription of the risk, interest or property insured hereunder, incorrect declaration of values, delay in notifying insurers of any circumstance or event likely to give rise to a claim, failure to advise the insurers of any change of risk, interest or property insured hereunder, failure to advise the insurers of any acquisition of risk, or failure to comply with any statutory requirement."",""Thought"": ""The information on how the policy addresses errors, omissions, and misdescription was provided directly in the document. These details were summarized and rephrased to form an answer to this question.""}"
"{""Question"": ""What is required from the proposer for the insurance cover provided under this policy?"",""Answer"": ""For the insurance cover provided under this Policy, the proposer is required to fully and faithfully declare to the company the facts that they know or ought to know."", ""Thought"": ""The information from the document explains that complete honesty from the proposer regarding the facts is required for the proper provision of the policy's benefits.""},"
"{  ""Question"": ""What does the policy specify about coverage related to Communicable Diseases?"",  ""Answer"": ""The policy does not insure any loss, damage, or expense, directly or indirectly arising out of, attributable to, or occurring with a Communicable Disease or the fear of such diseases."",  ""thought"": ""This is mentioned in Addendum No. 3 under the Communicable Disease Endorsement. It specifies that losses related or arising in any way from Communicable Diseases are not covered.""}"
"{  ""Question"": ""What is the discovery period of the fidelity guarantee in the MS First Capital Insurance Limited Policy No. D-23023966FAIR/9?"",  ""Answer"": ""According to the policy, the discovery period of the Fidelity Guarantee/Dishonesty of Employees is 18 months."",  ""thought"": ""The answer was directly available from clause 7 - Fidelity Guarantee / Dishonesty of Employees (Discovery Period of 18 months). No additional sources were needed.""}"
"{""Question"": ""Does the policy cover cyber loss?"", ""Answer"": ""No, there is a Cyber Loss Exclusion in the policy that excludes any loss or damage caused by cyber incidents."", ""Thought"": ""The Cyber Loss Exclusion clause clearly states that cyber losses are not covered under this policy.""}"
"{        ""Question"": ""What is the currency conversion method used for reimbursement in a different currency?"",        ""Answer"": ""The rate of exchange at the median level quoted on www.oanda.com or as otherwise agreed by the Insured and Insurers used in settlement of the loss will be the rate applying at the actual time of reinstatement, replacement or rectification of the Damage."",        ""thought"": ""The document details how the value of currency will be determined in case of a payout in a currency other than the one the policy is written in.""    },    "
"{""Question"": ""What is the contact number of the Claims & Motor Underwriting Dept?"",""Answer"": ""The contact number of the Claims & Motor Underwriting Dept is (65) 6507 3848."",""thought"": ""The contact number was found in the document, no redirection needed.""},"
"{""Question"": ""What does 'Defined Contingency' mean according to the policy?"",""Answer"": ""Defined Contingency refers to incidents like fire, lightning, explosion, aircraft and 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, impact by any road vehicle or animal, volcano, freeze or weight of snow."",""thought"": ""Defined Contingency was explicitly defined in the provided document. It includes a range of potential incidents that could cause damage or loss.""},"
"{""Question"": ""What coverage does the Cost of Temporary Protection Clause provide?"",""Answer"": ""The Cost of Temporary Protection Clause states that the company will cover the costs of temporary shuttering, boarding up, and other forms of protection that were necessary to safeguard the premises or its contents pending repair or replacement. However, the total liability of the company during any one period is limited to $2,500 or as specified in the Schedule."",""thought"": ""The policy states the conditions and limitations of this coverage. No external information is needed to explain this.""}"
"{""Question"": ""What is the policy number?"",""Answer"": ""5135735442"",""Thought"": ""The policy number is provided at the very beginning of the document.""},"
"{""Question"": ""What action is the insurer obligated to take if it decides to cancel the policy due to non-payment?"",""Answer"": ""The insurer undertakes to give DBS Bank Limited at least 30 days' prior written notice of the cancellation by reason of non-payment of calls, premium or otherwise and allow DBS Bank Ltd an opportunity of paying such calls or premiums which may be in default."",""thought"": ""The relevant information is contained directly in the text. The insurer has an obligation to provide at least 30 days prior written notice to DBS Bank Ltd before proceeding with cancellation due to non-payment. Additionally, the bank should be given a chance to settle any default payments.""}"
"{""Question"": ""Does this insurance cover loss by theft during or after the occurrence of a fire?"",""Answer"": ""No, this insurance does not cover loss by theft during or after the occurrence of a fire."",""Thought"": ""From point 1(a)(i) in the document outlining the general exclusions of the insurance policy, it is clear that loss by theft during or after a fire is not covered.""},"
"{""Question"": ""What is the policy number?"", ""Answer"": ""D-23023966FAIR/9"", ""Thought"": ""The policy number is presented in the document clearly identifiable.""},"
"{""Question"": ""What is the period of insurance?"",""Answer"": ""The period of insurance is from 21 May, 2023 to 20 May, 2024."",""thought"": ""The document clearly mentioned the period of insurance under the schedule section. There is no additional information needed.""},"
"{""Question"": ""What is the limit for the Display and Exhibition clause within Singapore in the policy information?"",""Answer"": ""The limit for the Display and Exhibition clause within Singapore is S$500,000/-."",""Thought"": ""The policy document explicitly states the limit for the Display and Exhibition clause to be S$500,000/- within Singapore.""},"
"{""Question"": ""What is the policy number?"",""Answer"": ""The policy number is 5135735442"",""Thought"": ""The policy number is clearly stated in the given document.""},"
"{  ""Question"": ""What is meant by 'Data' in the context of this policy?"",  ""Answer"": ""In the context of this policy, 'Data' refers to information, facts, concepts, code or any other information of any kind that is recorded or transmitted in a form to be used, accessed, processed, transmitted or stored by a Computer System."",  ""thought"": ""The definition was directly given in the document, no further information required.""},"
"{""Question"": ""What is the contact number of MSIG Insurance (Singapore) Pte. Ltd.?"",""Answer"": ""The contact number of MSIG Insurance (Singapore) Pte. Ltd. is +65 6827 7888."",""thought"": ""The phone number was easily found at the top of the provided document.""}"
"{""Question"": ""What is the Issued date of the insurance policy?"",""Answer"": ""The issued date of the insurance policy is 24 October 2022."",""thought"": ""The policy's issued date was explicitly stated in the document, no additional information required.""},"
"{    ""Question"": ""What happens if the claim made by the insured is fraudulent according to the 'Forfeiture' section?"",    ""Answer"": ""If the claim is in any way fraudulent, or involves false declarations, or if the loss damage is caused by the wilful act or with the connivance of the Insured, or if the claim is rejected and no action is taken within three months of such rejection, all benefits under this Policy will be forfeited."",    ""Thought"": ""The document explicitly outlines the conditions under which benefits under the policy will be forfeited due to fraudulent activities or lack of action by the insured, no additional information is needed.""}"
"{""Question"": ""What is the maximum amount payable under the Fire Extinguishing Expenses clause?"",""Answer"": ""The maximum amount payable under the Fire Extinguishing Expenses clause is SGD1,000,000."",""Thought"": ""Within the section titled 'Fire Extinguishing expenses', there is a clear indicator showing the sum of SGD1,000,000 as the maximum amount payable by the company. There is no reason to suppose this value refers to anything else within this section.""},"
"{""Question"": ""What is the consequence of having other insurance policies on the same property and not informing Income Insurance Limited?"",""Answer"": ""If the Insured has other insurance policies on the same property and doesn't inform Income Insurance Limited about those, all benefits under Income's Fire Insurance Policy will be forfeited."",""thought"": ""This is explicitly stated under the 'Insurance with other companies' clause. No other information required or impacts this clause.""}[  "
"{""Question"": ""What is the permissible limit for display and exhibition of the insured stock under the MS First Capital Insurance Limited policy?"",""Answer"": ""The MS First Capital Insurance Limited policy covers up to SGD 1,000,000 for the display and exhibition of the insured stock in Singapore."",""Thought"": ""This detail is mentioned under the 'Display and Exhibition' section. The given limit for this specific kind of coverage is stated here.""}"
"{""Question"": ""What conditions should the named insured meet for the validity of this policy?"",""Answer"": ""For this policy to be valid, the named insured should either have not had any insurance terminated due to a breach of any premium payment condition in the last twelve months or, if they have breached any premium payment condition in respect to a previous policy with another insurer in the last twelve months, they should have fully paid all outstanding premium for time on risk and provided written confirmation from the previous insurer to the company before the cover incepts."",""thought"": ""The document provides an explicit explanation about the two conditions the named insured needs to meet to ensure the policy's validity. There is no need for additional information beyond the provided document.""},"
"{""Question"": ""What is the company registration number of MS First Capital Insurance Limited?"",""Answer"": ""The company registration number of MS First Capital Insurance Limited is 195000106C."",""Thought"": ""This information was directly pulled from the given text which clearly states the registration number of MS First Capital Insurance Limited.""},"
"{""Question"": ""Who should be involved as crane drivers according to the given policy?"",""Answer"": ""Only crane drivers with experience in tandem lifts should be involved."",""thought"": ""The information necessary for this answer can be found in the line 'a) Only crane drivers with experience in tandem lifts should be involved.' from the given document. No other documents or information are necessary to answer this question.""},"
"{""Question"": ""What does the Breach of Conditions Clause state in the policy?"",""Answer"": ""The Breach of Conditions Clause in the policy states that any breach in the conditions without the knowledge and consent of the insured will not affect this insurance, as long as the breach is immediately notified in writing to the company."",""thought"": ""The policy clearly states the condition for breaches. I don't need any external information to explain this.""}"
"{""Question"": ""Are claims arising directly or indirectly from the failure or inability of any electronic circuit or similar device covered by the Insurance?"",""Answer"": ""No, any claim which arises directly or indirectly from or consists of the failure or inability of any electronic circuit, microchip, integrated circuit, microprocessor, embedded system, hardware, software, firmware, program, computer, data processing equipment, telecommunication equipment or systems, or any similar device, are not covered by the Insurance."",""thought"": ""This was found in point 15, which stipulates that claims for failure or inability of certain electronic elements are not covered by the insurance policy.""}"
"{""Question"": ""What is the coverage in case of self-ignition under policy number MAR/23-MA001405-R001?"",""Answer"": ""The insurance policy covers destruction or damage to any part of electrical machines, installations, or apparatus caused by the burning out of such parts by the electrical current."",""thought"": ""The given document provides adequate information to generate both the question regarding the self-ignition clause and the corresponding answer. No additional external information is required.""}"
"{""Question"": ""What are the circumstances under which this Policy does not cover destruction or damage caused by leakage or spillage of liquids of any kind and/or other substances?"",""Answer"": ""The policy does not cover destruction or damage if such destruction or damage is occasioned by or happens through war, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection , military or usurped power. It also doesn't cover consequential loss of any kind or description and the first S$1,000 of each and every loss"",""thought"": ""I used the details from 'Leakage Of Liquids' section of the provided financial information to answer this question. No further documents were required.""},"
"{""Question"": ""What precautions should be taken for lifting, loading or unloading materials and/or equipment on site using two or more cranes?"", ""Answer"": ""The document cuts off after mentioning that certain precautions must be taken when using two or more cranes in tandem but does not specify what these precautions are."", ""Thought"": ""The information about the specific precautions that should be taken when using two or more cranes in tandem is not provided in the document. Therefore, I cannot provide the specific details without that information."" }"
"{""Question"": ""What is the company registration number of Great Eastern General Insurance Limited?"",""Answer"": ""The company registration number of Great Eastern General Insurance Limited is 1920 00003W."",""thought"": ""The document provides the company registration number directly. There's no need to seek external references.""   }"
"{""Question"": ""As per the Mortgagee clause, what happens if the premium is not paid by the Mortgagor or Owner?"",""Answer"": ""If the Mortgagor or Owner neglects to pay any premium due under this Policy, the Mortgagee (DBS BANK LTD) is obligated to pay the same on demand."",""Thought"": ""The Mortgagee Clause in the document outlines the responsibility of the Mortgagee in regards to premium payments.""}"
"{    ""Question"": ""What is the basis for calculating the amount payable under a claim for machinery/equipment below 10 years?"",    ""Answer"": ""The basis for calculating the amount payable under the policy is the reasonable cost of replacement or reinstating property of the same kind or type but not superior to or more extensive than the insured property when new."",    ""thought"": ""The answer was clearly mentioned in clause TB27 titled 'REPLACEMENT VALUE CLAUSE'. There is no extra or lacking piece of information about it in the text, so there's no need to refer to any other part of the given information.""},"
"{""Question"": ""What is the coverage while the property is temporarily removed?"", ""Answer"": ""The property insured by this Policy is covered whilst temporarily removed for cleaning, renovation, repair or similar purposes elsewhere on the same or to any other premises and in transit thereto and therefrom by road rail or inland waterway in the Republic of Singapore. The amount recoverable under this extension in respect of each item of the Policy shall not exceed the amount which would have been recoverable had the loss occurred in the part of the premises from which the property is temporary removed, nor, in respect of any loss occurring elsewhere than at the said premises, 10 per cent of the sum insured by the Item after deducting therefrom the value of any building (exclusive of fixtures and fittings) stock in trade or merchandise insured thereby."", ""Thought"": ""The information is found in the 'Temporary Removal' section. The policy covers the property while it is temporarily removed for certain purposes and in transit in the Republic of Singapore. The recoverable amount is limited to the amount recoverable had the loss occurred in the original place or 10% of the sum insured, excluding the value of the building, stock in trade, and merchandise.""}"
"{        ""Question"": ""What is the company's policy on rights and remedies subrogation?"",        ""Answer"": ""The insurers agree to waive any rights and remedies or relief to which they may become entitled by subrogation against any insured named or described under this policy."",        ""thought"": ""Although the document mentions the process of subrogation, it also specifies the insurer's rights in such a process are waived against the policy holder. It is an assurance to the policyholder.""    }]"
"{""Question"": ""What is the maximum total amount recoverable under any item of the Policy according to F52?"",""Answer"": ""The maximum total amount recoverable under any item of the policy shall not exceed 10% of the Sum Insured or S$1,000,000, whichever is the lesser."",""thought"": ""Section F52 of the document provides this information directly within (d). No search outside the document is required.""},"
"{  ""Question"": ""What is covered under the U027 Strike Riot and Civil Commotion clause?"",  ""Answer"": ""The U027 Strike Riot and Civil Commotion clause extends the policy coverage to include strike, riot and civil commotion."",  ""thought"": ""The coverage was directly stated in the document, no further information required.""},"
"{""Question"": ""What consists of the incurred losses in this insurance policy?"",""Answer"": ""The incurred losses consist of all losses, reserves for unpaid losses as estimated by the insurer, and expenses incurred for loss adjustments."",""Thought"": ""This information is given in the document, so I used it directly for generating the answer.""}, "
"{""Question"": ""What is the deductible for laptops, desktops, and handsets?"",""Answer"": ""The deductible for laptops, desktops, and handsets is SGD750"",""thought"": ""The deductible amount for laptops, desktops, and handsets was mentioned explicitly in the document.""},"
"{""Question"": ""What is the policy number or reference number for the insurer MS First Capital Insurance Limited, Singapore?"",""Answer"": ""The policy number or reference number for the insurer MS First Capital Insurance Limited, Singapore is D-22023683FXOL/11."",""thought"": ""The document provides the policy number or reference number for each insurer listed.""}"
"{""Question"": ""What does the 'Alternative Trading' Clause entail?"",  ""Answer"": ""If during the Indemnity Period work shall be done or services rendered elsewhere than at the premises for the benefit of the Business either by the Insured or by others on the Insured's behalf the money paid or payable in respect of such work or services shall be brought into account in arriving at the Gross Revenue during the Indemnity Period."",  ""thought"": ""The 'Alternative Trading' Clause details operations carried out at an alternative location, either by the insured or on behalf of them during the indemnity period and the monetary value of this work/service will be considered when calculating the Gross Revenue during the indemnity period. If there is any specific requirement or exclusion in this clause, it is not mentioned in the document.""}"
"{""Question"": ""What does Alternative Basis of Settlement A mean?"",""Answer"": ""Alternative Basis of Settlement A is the method where amount payable is calculated by indemnity. It further describes three different scenarios and their outcomes: (1) repairable damage which includes the cost of restoration, labor charges, transport costs etc., (2) total loss or destruction that pays for the immediate prior value of the machinery, minus any salvage value, and (3) non-repaired or non-replaced machinery where the Indemnity Value is considered."",""thought"": ""All the necessary information to answer this question is given in the document. Hence, I pulled out the specifics from the Alternative Basis of Settlement A section for a complete response.""},"
"{""Question"": ""What is the Sum Insured for the unit caterpillar 336D2L hydraulic excavator with Serial No GJA00223?"",""Answer"": ""$138,174.66"",""thought"": ""The question asks for the Sum Insured for a specific unit of machinery. From the document, I found this information in the 'Sum Insured' column against the specific serial number. There isn't any other information required to answer this question.""},"
"{""Question"": ""What is the contact number of the Claims & Motor Underwriting Dept of MS First Capital Insurance Limited?"",""Answer"": ""(65) 6507 3848"",""thought"": ""The financial information provided lists the specific contact information for the Claims & Motor Underwriting department of the company.""},"
"{""Question"": ""What is the jurisdiction for this policy?"",""Answer"": ""The jurisdiction for this policy is the Republic of Singapore."",""thought"": ""The document clearly states that the Republic of Singapore is the jurisdiction where this policy applies.""},"
"{""Question"": ""What is the fax number for Great Eastern General Insurance Limited?"",""Answer"": ""The fax number is +65 6327 3080."",""Thought"": ""The fax number is listed at the bottom of the provided document.""}"
"{  ""Question"": ""What is the name of the insured under the policy?"",  ""Answer"": ""The insured under the policy is Nam Nam Pte Ltd."",  ""thought"": ""The insured name means the name of the individual or company that owns the policy. In this case, it is clearly mentioned in the document as Nam Nam Pte Ltd.""},"
"{""Question"": ""What is the policy number of this insurance?"",""Answer"": ""The policy number is D-23023966FAIR/9."",""thought"": ""The policy number was explicitly stated in the document.""}"
"{""Question"": ""What are the exact periods of insurance?"",""Answer"": ""The Period of Insurance is from 1st January 2023 until midnight on 31st December 2023."",""thought"": ""The document directly states the duration of the insurance policy.""},"
"{    ""Question"": ""What is not covered by the Aircraft Damage insurance policy?"",    ""Answer"": ""The Aircraft Damage insurance policy does not cover any loss or damage caused by any aircraft for which permission to land has been given by the Insured."",    ""thought"": ""The document provides all the details required to answer this question. As per the provided information, the insured party is responsible for any aircraft they've given permission to land.""},"
"{""Question"": ""What is the 'Sum Insured' according to the Memo 1 provision?"",""Answer"": ""According to Memo 1, the 'Sum Insured' should be equal to the cost of replacement of the insured machinery with new machinery of the same kind and capacity. This includes costs such as freight, dues and customs duties, and the cost of erection. If the sum insured is less than the amount required to be insured, the company will pay in proportion to the sum insured to the amount required."",""thought"": ""The 'Sum Insured' term is explained in the Memo 1 provision. The calculation includes costs such as replacement, freight, dues, customs duties, and erection.""},"
"{""Question"": ""What will be the liability of the Insurer in case of a theft or damage?"",""Answer"": ""The Insurer shall not be liable for the first SGD 1,000 of each and every loss or damage by theft other than by theft following upon or followed by forcible and violent entry to or exit from the Premises."",""thought"": ""This information was directly available in the document. No need to infer or deduce from other details.""},"
"{  ""Question"": ""What is the basis of settlement when the replacement property has a greater function and its new installed cost is no greater than the replacement value of the property being replaced?"",  ""Answer"": ""The Basis of Settlement is the new installed cost of the replacement item or items."",  ""thought"": ""The information was located under the settlements explanation in the financial document.""},"
"{""Question"": ""What kind of business is the insured company involved in?"",""Answer"": ""The insured business is involved in providing building materials, mixed construction activities, general contracting, and rental and leasing of machineries & all other business related activities."",""thought"": ""The types of business the insured company is involved in is listed under the 'BUSINESS' heading. No additional information from the document is needed to answer this question.""}"