ENGAGEMENT OF INSURER FOR ASSETS AND PROPERTIES OF DNP LTD

Industrial All Risk Policy

Basic Premium

STFI Premium

Earthquake Premium

Add On Premium

Designation Of Property Clause

Local Authority Clause

Reinstatement Value Clause

Architects, Surveyors and Consulting Engineer's Fees upto 7.5% of the claim amount maximum of INR 5 Crs each & every loss and in aggregate

Debris removal clause upto 10% of claim amount subject to a maximum of INR 5 Crs each & every loss and in aggregate

72 hours clause

Claim Preparation Cost Upto 5 crore

Forest Fire

Leakage & Overflowing maximum of INR 5 Crores for each and every loss

Leak Search Costs INR 5 Crores for each and every loss.

Exploratory Cost INR 5 Crores for each and every loss.

Shut Down/Start up Cost INR 5 Crores for each and every loss

Expediting expenses including express freight and airfreight INR 5 Crores for each and every loss.

Loss Minimization Expenses INR 5 Crores for each and every loss

Escalation @ 5% (5% of the Value of Fixed Assets other than Stocks)

Omission to Insure addition, alteration and extension (5% of the Value of Fixed Assets other than Stocks)

Immediate Repairs INR 5 Crores for each and every loss.

Civil Authority Clause INR 10 Crores for each and every loss.

Extinguishing Expenses/ Firefighting expense- 5% of Sum Insured subject to Maximum of Rs. 5cr.

Involuntary betterment / Technological improvement-5% of Sum Insured subject to Maximum of Rs. 5cr.

Obsolete equipment / spare parts- 5% of Sum Insured subject to Maximum of Rs. 5cr

Decontamination and cost of clean up-5% of Sum Insured subject to Maximum of Rs. 5cr.

Temporary Removal for repair/ refurbishment-5% of Sum Insured subject to Maximum of Rs. 5cr.

Goods held in Trust-Upto 5 cr

OEM part-Upto Rs. 5cr.

On Account Payments Upto 70% on surveyors recommendation

Auditors fees- Upto INR 5 Cr.

Additional increased cost of working- Upto INR 5 Cr.

Extension to cover Customers’ premises @20% of BI sum insured on named basis

Extension to cover loss due to accidental failure of Public utilities @17% of BI sum insured- upto INR 5 Cr.

Prevention of Access 28 days over & above policy excess- upto INR 5 Cr.

Machinery Breakdown

Fire Loss of Profit

Machinery Loss of Profit

Control of Damaged Property

Expiration

Minor works/Property in course of construction Up to INR 5 Crs

Primary & Non-contributory

Margin Clause

Automatic Capital Addition without additional premium Up to INR 5 Crs

Deliberate Damage Up to INR 5 Crs

Automatic Reinstatement without additional Premium Up to INR 5 Crs

Offsite Premises Up to INR 5 Crs

Impact Damage due to Insured’s own Rail/Road Vehicles, Fork lifts, Cranes, Stackers and the like and articles dropped therefrom - Inbuilt Cover under IAR

Unrepaired Damage - Up to INR 5 Crs

Restoration of Record, Plans & Documents Up to INR 5 Crs

Land Stabilization Cost Up to INR 5 Crs

Landscaping Costs following Damage Up to INR 5 Crs

Leakage of Firefighting Equipment/Accidental of Gas Flooding System Up to INR 5 Crs

Demolition & increased cost of construction Up to INR 5 Crs

Destruction of Sound Property Up to INR 5 Crs

Cost of Clearing of Drains Up to INR 5 Crs

Crane, Fire Brigade Up to INR 5 Crs

Employee Personal Property/Effects Up to INR 5 Crs

Additional Expenses of Rent for Admin Block Only Up to INR 5 Crs

Sprinkler Upgrading Cost Up to INR 5 Crs

Dismantle costs Up to INR 5 Crs

Accidental Damage Cover Up to INR 5 Crs

Foreign/Indian Experts Visits Expenses Up to INR 5 Crs

Outbuilding Clause Up to INR 5 Crs

Green Clause Up to INR 5 Crs

Supplier's Premises Extension for named Supplier Up to 20% of BI Sum Insured for FLEXA Perils & AOG Perils

Overhaul/Maintenance/Shut Down - Up to INR 5 Crs

Delay in Repair Up to INR 5 Crs

Alternative Basis Clause

New Unit Clause

Nominated and Adjuster Clause

Delayed Indemnity Period up to 6 months

Aggravation Clause

Unoccupancy Clause Up to 30 Days

NON-INVALIDATION CLAUSE

NON - VITIATION CLAUSE

Additional Custom Duty

Rent for Alternative Equipments

Replacement from Spares

Smoke Damage

Damages to Underground Services

Inhibition Costs/Damage by Emergency Services

Accidental Discharge of Gas Flooding Systems

Dewatering Expenses

Decontamination and Cost of Clean Up Expense

PLI Act Policy

Annual Premium

Commercial General Liability Policy

Basic Premium

Defense Cost - Full Policy Limit

General Liability

Completed Operation Cover

Personal and Advertising Injury Cover - Up to 50% of LOI

Medical Expenses Cover - Up to INR 5 Lakhs per person

Damage to Premises Rented to Insured - Full Policy Limit

Fire Damage - Up to 50% of LOI

Act of God Perils Extensions – Full Policy Limit.

Food & Beverages Extension – Full Policy Limit

72 Hours Sudden and Accidental Pollution Extension including clean up expenses - Full Policy Limit

Terrorism Legal Liability Extension – Up to 50% of LOI

Cross Liability

Tenant Legal Liability

Effluent Discharge Extension: upto 15 kms

Evacuation Expenses - Up to 50% of LOI

Cover for Contractors and Sub-Contractors

Non-owned Hired Automobile Liability Extension – Up to 50% of LOI

Additional Insured Clause

Waiver of Subrogation where required by Contract

Travel of executive for non manual work. - Up to 50% of LOI

Property under care, custody, and control cover – Up to INR 5 Crs.

No designated premises (“All premises leased, owned, rented and occupied by the Insured will be covered under this Policy

Claim Series Clause

Coverage for minor/civil work repair and renovation – Up to 50% of LOI

Control Group Clause

Transportation Legal liability extension including Pipeline - Full Limit

Incidental medical malpractice extension - Up to 50% of LOI

Non-Cancellable Clause

Mitigation Expenses, Cleaning costs – Up to INR 5 Crs.

Tools and Equipment including Cranes & forklift Extensions – Up to INR 5 Crs

Valet Parking coverage – Up to INR 5 Crs.

Garage Keepers Liability Coverage – Up to INR 5 Crs.

Primary & Non – Contributory

Extended Reporting Period - 90 days at Nil Premium and for 365 days 50% of Annul Premium.

Technical Colaborators Extension

Standalone Terrorism Policy

Basic Premium - Property Damage

Business Interruption

Omission to Insure addition, alteration and extension (5% of the Value of Fixed Assets other than Stocks)

Escalation @ 5% (5% of the Value of Fixed Assets other than Stocks)

Removal of Debris up to Rs. 5 Crs.

Architects' Surveyors & Consulting Engineers' fees up to Rs. 5 Crs.

Expediting Expenses (including Air Freight & Express Freight up to Rs. 5 Crs.

Terrorism Legal Liability up to Rs. 26 Crs.

Plans, Documents & Computer Records up to Rs. 5 Crs

Fire Fighting Expenses up to Rs. 5 Crs

Changes in Values and Automatic Additions up to Rs. 5 Crs.

Loss / damage caused by measures taken to prevent, suppress or control actual or potential terrorism or sabotage up to Rs. 5 Crs.

Public Authorities Clause

Demolition & Increased Cost of Construction up to Rs. 5 Crs.

Departmental Clause

Counter Insurgency Clause

Directors & Officers Liability Insurance

Basic Premium

Investigation costs – Full Limit

Outside entity directors cover (as per form)

New subsidiaries cover – 35% of the assets

Pollution Defense Cost Cover – Full Limit

Kidnap Response Cover - Limit up to Rs. 2Crs

Spouses, heirs & Representative cover - Full Limit

Regulatory crisis response costs – Full Limit

Emergency costs -Limit up to Rs. 2Crs

Insured Vs Insured Defense Cost

Extended Reporting Period - 90 days at Nil Premium and for 365 days 50% of Annual Premium.

Retired and Resigned Director’s discovery period – Lifetime

Special excess protection for non-executive directors – Rs. 20,000,000 per non-executive director over and above limit of Liability

Assets and liberty costs extension including prosecution costs, bail bond and civil bond expenses, damage to reputation - Full Limit

Future occurring Private Placement

Major Shareholder exclusion up to 25%

Entity Security Cover and Entity EPLI cover full Limit within India

Public Relations Expenses - Full Limit

Psychological Support Expenses cover 50 Lakhs per director, 1 Cr in aggregate

Order of Payment Clause

Tax liability Extension up to 50% of LOI

Occupational Health and Safety Costs- Defense Costs and Legal Expense

Corporate Manslaughter Cover

Bodily Injury/ Property Damage - Defense Costs and Legal Expense

Management Buy-outs extensions-60 days

Automatic Run-off extension – 30 days for any subsidiary ceasing to be a part of the parent company

No Insolvency Bankruptcy exclusion

Pre-investigation Cost - 10% of LOI

Insured Definition to include Temporary/consultant/contractual employee

Definition of Insured amended to include Members of Statutory committees who may not be Directors & Officers - eg. POSH Committee

Mitigation costs - 10% of LOI

Primary & Non-Contributory

Cover for Fines & Penalties where not insurable by law - 50% of LOI

Crisis Management Cover - 50% of LOI

Interpretive Counsel costs - 10% of LOI

Advancement of Defence Cost - Within 30 days

UK Bribery and US FCPA Cover - 10% of LOI

Counseling Extension - INR 1,000,000 Per Insured Person and INR 10,000,000 in aggregate

Witness Cover (Reasonable travel cost and living expenses) - INR 10,000,000 per individual and in aggregate

Go Digit General Insurance Limited (BID ID -265041)

RELIANCE GENERAL INSURANCE COMPANY LIMITED (BID ID -265032)

Future Generali India Insurance Compnay Limited (BID ID -265069)

BAJAJ ALLIANZ GENERAL INSURANCE COMPANY LIMITED (BID ID -265076)

NATIONAL INSURANCE COMPANY LIMITED (BID ID -265083)