By way of derogation from Article 4.25 of the general terms and conditions, the financial consequences of the insured's civil liability are covered for material damages—as well as consequential immaterial damages—caused to movable property involved in the insured's services, whether or not such property is considered entrusted within the meaning of the definition in the general terms and conditions, including borrowed property used for carrying out the service.
The coverage is extended to include theft, loss, or disappearance of keys entrusted to the insured, their employees, or subcontractors by clients as part of the service agreement, strictly limited to the necessary costs of replacing the keys, cylinders, and locks.
WITHOUT PREJUDICE TO OTHER EXCLUSIONS, THE FOLLOWING REMAIN EXCLUDED FROM COVERAGE:
- Damages to property held by the insured under a paid deposit agreement or property entrusted for sale or rental purposes;
- Damages to property rented or loaned to the insured for consideration or held under a lease or lease-purchase agreement;
- Damages caused during transportation. However, if the insured is not a professional transporter, coverage applies when the insured personally carries out transportation incidental to the activities defined in the contract;
- Damages to cash, valuables, and objects of value such as securities, jewelry, gemstones, fine pearls, objects made of precious metals, hardstones, statues, paintings, collections, items from the art market, and furs;
- Inherently fragile items such as glassware, porcelain, earthenware, plaster, statues, ceramics, faience, and mirrors.
- Items in poor condition at the time of the incident;
- Theft, loss, or total or partial disappearance of entrusted property.
However, the theft of movable property located within the premises covered by the service agreement remains insured when caused by:
- The insured's employees during or in connection with their duties;
- Third parties, where the insured's liability is engaged due to negligence attributable to themselves or their employees, including any consequential immaterial damages.
This coverage is granted up to the amount specified in the "Coverage Limits and Deductibles" table in these special conditions.
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