General Exclusions

Zurich will not be liable for any loss, destruction, injury, disease or damage to any person or property, or any liability for loss, destruction, injury, or damage to any person or property, caused directly or indirectly by or contributed to, by or arising from:

1. Unexplained Loss
   Unexplained loss or disappearance of any property;
2. Criminal Activities
   Any wilful, malicious or unlawful act of the insured person or any criminal acts of any person;
3. Latent Defects
   Events which have already happened or damage which has already existed before the beginning of the period of insurance;
4. Deliberate Damage
   Deliberate acts of you or a member of your household or employee or domestic helper of you or a member of your household;
5. Consequential Loss
   Consequential loss of any kind;
6. Loss of Value
   Depreciation or loss in value of any property;
7. Dispossession
   1. Permanent or temporary dispossession resulting from confiscation, nationalization, commandeering or requisition by any lawfully constituted authority;
   2. Permanent or temporary dispossession resulting from the unlawful occupation by any person;
8. Unauthorized Building Works
   Any unauthorized structures and/or unauthorized building erection demolition repair installation and renovation works on or within the building. For the purpose of this clause the meaning of unauthorized structures and unauthorized building works will be construed in accordance with the Buildings Ordinance, Chapter 123 of the Laws of Hong Kong;
9. Pollution & Contamination
   The discharge, dispersal, release or escape of smoke, vapours, soot, fumes, acids, alkalis, toxic chemicals, liquids or gases, waste material or other irritants, contaminants or pollutants by you and/or a member of your household into or upon land atmosphere or any water course or body of water;
10. Radioactive Contamination
    Any expenses, consequential loss, legal liability or loss of or damage to any property directly or indirectly arising from:
    1. Ionizing radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel;
    2. The radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation reactor or other nuclear assembly or nuclear component thereof;
    3. Any weapon employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter;
    4. The radioactive, toxic, explosive or other hazardous or contaminating properties of any radioactive matter;
11. War
    1. War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), civil war;
    2. Mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, insurrection, rebellion, revolution, military or usurped power, or any act of any person acting on behalf of or in connection with any organization with activities directed towards the overthrow by force of the Government de jure or de facto or to the influencing of it by terrorism or violence;
12. Terrorism
    1. Any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss;
    2. Any action in controlling, preventing, suppressing, retaliating against or responding to any such act of terrorism;
    3. For the purpose of this exclusion, an act of terrorism includes any act, preparation or threat of action 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) de jure or de facto committed for political, religious, ideological, or similar purposes including the intention to influence any government de jure or de facto of any nation or any political division thereof and/or to intimidate the public or any section of the public of any nation and which:
       1.  involves violence against one or more person;
       2.  involves damage to property;
       3.  endangers life other than that of the person committing the action;
       4. creates a risk to the health or safety of the public or a section of the public; or
       5. is designed to interfere with or disrupt an electronic system.
    4. In any action, suit or other proceedings where Zurich alleged that by reason of the provisions of this condition any loss or damage is not covered by this policy, the burden of proving that such loss or damage is covered shall be upon you;
13. Sonic Bangs
    Pressure waves from aircraft or other aerial devices travelling at sonic or supersonic speed;
14. Software and Data-Related Losses Exclusion
    1. Any “Software Loss” except:
       1. “Software Loss” resulting solely from direct physical loss of or direct physical damage to the equipment, hardware, media or device on which the program, computer software or operating systems, programming instructions, or data are transported, processed or contained;
       2. direct physical loss or direct physical damage to tangible property by fire or explosion that results from a “Software Loss”. For the purposes of this exclusion, electronic data, program(s), computer software or operating system(s) programming instruction(s) and data are not tangible property;
    2. “Software Loss” means loss of or damage to any program(s), computer software or operating system(s), programming instruction(s) or data arising out of or resulting from any failure, malfunction, deficiency, deletion, fault, “virus”, deletion or corruption or any loss of use, reduction in functionality, cost, expenses or liability resulting therefrom. “Software Loss” includes, but is not limited to, loss or damage resulting from any authorized or unauthorized access in, of or to any computer, communication system, file server, networking equipment, computer system, computer hardware, data processing equipment, computer memory, microchip, microprocessor (computer chip), integrated circuit or similar device in computer equipment, any program, computer software or operating systems, programming instructions or data.
    3. “Virus” means software, data or code that affects the operation of functionality of any computer, communications system, file server, networking equipment, computer system, computer hardware, data processing equipment, computer memory, microchip, microprocessor (computer chip), integrated circuit or similar device in computer equipment, program, computer software or operating systems, programming instructions or data including, but not limited to, any destructive program, computer code, computer virus, worm, logic bomb, denial of service attack, smurf attack, vandalism, trojan horse or any other data introduced into any electronic system causing deletion, destruction, degradation, corruption, malfunction or compromise of or to data, software or electronic business systems.