Bangladesh Fire Tarrif Effective From 07.05.19

Insurance Development & Regulatory Authority, Bangladesh 01-06-1975
01-10-1997
07-05-2019
ABOUT THE BANGLADESH FIRE TARIFF
EFFECTIVE FROM 07-05-2019
To bring about a discipline in Fire Insurance Business & Practice the Insurance
Development & Regulatory Authority have approved the Rules, Regulations, Rates,
Terms and Conditions, as contained herein, in consultation with the Central Rating
Committee for Transaction of Fire Insurance Business in Bangladesh in accordance
with the provisions of section 17 of Insurance Act-2010.
This Tariff supersedes the Previous Fire Tariff dated 01-10-1997 and various
amendments thereto through circulars issued by IDRA from time to time. This Tariff
comes into effect on 07-05-2019 in respect of new business/renewals falling due on or
after that date.
THIS TARIFF IS BINDING ON ALL NON-LIFE INSURERS OPERATING IN
BANGLADESH.
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GENERAL RULES AND REGULATIONS
1. Tariffs Binding upon all the non-life insurers

The strict observance of all Tariffs Rates, Rules and Regulations is incumbent upon all
non-life insurers both as regards rates and conditions in any business which they may
underwrite in Bangladesh.
2. Advertising Gifts to the Public.
It is not permissible for insurers or their Agents to issue and/or distribute calendars,
blotters, pads, pocket books, diaries, paper weights or gifts of any description, except
presentation books such as are issued to celebrate the centenary of a Company or
publication of a like nature.
3. Agreement with the Insured as to rate of Exchange.
It is not permissible to enter into any undertaking with an insured providing for
conversion from one currency into another at a fixed rate of exchange.
4. Prohibited Insurances.
It is not permissible to cover by a fire policy, either on payment of extra premium or
otherwise, loss or damage occasioned by or through or in consequence of :
(a) War, invasion, act of foreign enemy, hostilities or warlike operations (whether
war be declared or not), civil war.
(b) Mutiny, military or popular rising, insurrection, rebellion, revolution, military
or usurped power.
5. Standard Time.
All references to time in the Fire Tariffs are to Bangladesh Standard Time.
6. Minimum Premiums.
It is not permissible to issue a direct policy at a premium of less than Tk.500.00.
7. Rates and Premiums to be shown in the Policy.
The rates under these tariffs apply to all risks rateable thereunder wherever the
insurance is effected.
All rates, discounts, additionals and premiums must be shown on the face of the
Policy.
In cases where the policy is extended to include Riot, Earthquake, Flood, Cyclone or
other Extraneous Cover, the rates, discounts additionals and premiums for each such
cover must be shown separately.
8. Application of Tariffs.
(a) The Tariffs and their regulations are to be applied to renewals as well as new
business and to be deemed in force and binding until repeal or alteration is
officially announced.
(b) In the event of a rate being reduced it is not permissible to grant a return of
premium on a current insurance except on the basis of short period rates or
except in the case of improvement of risk as hereafter defined.
(c) The rates quoted in the Tariff are annual.
9. Risks Rateable under Alternative Tariff.
Unless otherwise expressly provided in the Tariffs, a risk rateable under more than one
Tariff and/or more than one section of a Tariff must bear for the whole building and/or
contents comprising the risk, the highest rate applicable under any Tariff.
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GENERAL RULES AND REGULATIONS — (Contd.)
10. Rating of Risk in Multiple Occupation

The rate chargeable for Fire Cover for risks in Multiple Occupation is the rate
applicable to the highest rated portion(s) thereof, unless the later is separated from
the remainder of the premises by perfect party walls as defined in Building
Regulations.
11. Risks for which no rate is provided.
Risks for which no special provision has been made in this Tariff must be referred
to the Rating Committee in accordance with Rule 12.
12. Rules of Procedure for Application for Rating or Special Rating.
NOTE:- Rates or Special Rates shall be subject to all Tariff Rules and Regulations
except where otherwise expressly permitted.
(1) Procedure and Particulars to be furnished- All applications must be made
on the approved form. Plans to scale should, if possible, be attached to the
Survey Report but, if such a plan is not available, a sketch plan must be
drawn sufficiently accurately to show distances between buildings insured
and adjacent and/or adjoining property."Perfect Party Walls" must be
clearly marked.
(2) The Committee reserves the right to withdraw/cancel and/or to alter the
rate and/or any conditions of the policy so granted.
(a) In the case of risks already on the books of Corporation/Company:- the
date of the receipt of the application form or
(b) In the case of new insurances:- at the discretion of the Corporation/
Company.
13. Short Period Insurances and Short Period scale.

Acceptances or Renewals for a period of less than 12 months, unless otherwise
specially provided, must be issued in accordance with the following scale of Short
Period Rates.
For a period not exceeding 10 days 10 percent of the annual rate
For a period not exceeding 1 month 20 percent of the annual rate
For a period not exceeding 1½ months 25 percent of the annual rate
For a period not exceeding 2 months 30 percent of the annual rate
For a period exceeding 9 months The full annual rate
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14. Insurance for Broken Periods:

New Insurances and Existing:
Where an insured desires to extend an existing insurance in order to make it
concurrent with other policies or desires to extend a policy to conform with the
end of a financial year, such insurance may only be effected pro-rata subject to
the following warranty being inserted in the policy.
"In consideration of the premium in this case being calculated at pro -rata
proportion of the annual premium, it is agreed by the insured that this policy will
be renewed on the ….. for a further period of twelve months for an amount not
less than the sum insured hereby failing which the difference between the
premium now paid and the premium at short period rates shall be paid to the
Corporation/ Company."
15. Additional Rates for Artificial Lighting and Night Work:
Wherever additional rates for Artificial Lighting and Night Work are provided for in the
Tariffs, they must be charged pro-rata on the basis of the terms of the policy and up to
the expiry date of the policy.
The extra for night work must be charged as soon as advice of commencement
of night work is received and, in any subsequent adjustment, no allowance may
be made for suspension on Sundays or holidays or for casual cessation of night
work. The cessation of Night Work shall be considered as casual unless it is for
a minimum period of 7 continuous days including Sundays and Holidays which
may intervene in this period.
It is not permissible to insure a risk which is working at night without char ging
the appropriate extra premium, if any, even if the insured is prepared to carry his
own risk during the hours of working at night.
16. Recital and Operative Clause:
The wording of the Recital and Operative Clauses to a Fire Policy is left to the
discretion of the Committee except that it is mandatory to mention :-
(a) Lightning Cover:—That Lightning is one of the perils covered by the Policy. This
extension to ordinary Fire Cover is to be granted without additional premium:
(b) Time of Expiry of Policies: Those Policies expire at "4 O' Clock Standard Time in
the afternoon" on the agreed date of expiry. (See Rule 5).
17. Uniform Policy Conditions:
1. If there by 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 Corporation/Company shall not be liable
upon this policy so far as it relates to property affected by any such
misdescription, misrepresentation or omission.
2. No payment in respect of any premium shall be deemed to be payment to
the insurer unless a printed form of receipt for the same signed by an Official or
duly authorized person of the insurer shall have been given to the insured.
3. The insured shall give notice to the Corporation/Company of any insurance
or insurances already effected, or which may subsequently be effected, covering
any of the property hereby insured, and unless such notice be given and the
particulars of such insurance or insurances be stated in or endorsed on this
policy by or on behalf of the Corporation/Company before the occurrence of any
loss or damage, all benefit under this policy shall be forfeited.
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GENERAL RULES AND REGULATIONS — (Contd)
4. All insurance under this Policy

(1) on any building or part of any building,
(2) on any property contained in any building,
3) on rent or other subject matter of insurance in respect of or in connection with any
building or any property contained in any building, [shall cease immediately upon
any fall or displacement]
(a) of such building or of any part thereof,
(b) of the whole or any part of any range of buildings or of any structure of which such
building forms part.
PROVIDED that such fall or' displacement is of the whole or a substantial or important
part of such building or impairs the usefulness of such building or any part thereof or
leaves such building or any part thereof or any property contained therein subject to
increased risk of fire or is otherwise material.
AND PROVIDED that such fall or displacement is not caused by fire, loss or damage
by which is covered by this policy or would be covered if such building, range of
buildings or structure were insured under this policy.
In any action, suit or other proceeding, the burden of proving that any fall or
displacement is caused by fire as aforesaid shall be upon the Insured.
5. (i) This insurance does not cover :-
(a) Loss by theft during or after the occurrence of a fire.
(b) Loss or damage to property occasioned by its own fermentation, natural heating
or spontaneous combustion (except as may be provided in accordance with
Condition 7 'f') or by its undergoing any heating or drying process.
(c) Loss or damage occasioned by or through or in consequence of
(1) The burning of property by order of any public authority
(2) Subterranean Fire
(d) Loss or damage directly or indirectly caused by or arising from or in consequence
of or contributed to by nuclear weapons material.
(ii) This insurance does not cover loss or damage directly or indirectly caused by or
arising from or in consequence of or contributed to by ionizing radiations or
contamination by radioactivity from any nuclear fuel or from any nuclear waste from
the combustion of nuclear fuel. For the purposes of the Condition 5 (ii) only
combustion shall include any self-sustaining process of nuclear fission.
6. This insurance does not cover any loss or damage occasioned by or through or in
consequence, directly or indirectly, of any of the following occurrences, namely:-
(a) Earthquake, volcanic eruption or other convulsion of nature.
(b) Typhoon, hurricane, tornado, cyclone or other atmospheric disturbance.
(c) War, invasion, act of foreign enemy, hostilities or warlike operations (whether
(d) Mutiny, riot, military or popular rising, insurrection, rebellion, revolution, military
or usurped powers, martial law or state of siege or any of the events or causes
which determine the proclamation or maintenance of martial law or state of
siege.
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Any loss or damage happening during the existence of abnormal conditions (whether
physical or otherwise) which are occasioned by or through or in consequence, directly
or indirectly, of any of the said occurrences shall be deemed to be loss or damage
which is not covered by this insurance, except to the extent that the insured shall
prove that such loss or damage happened independently of the existence of such
abnormal conditions.
In any action, suit or other proceeding, where the Corporation/ Company alleges that
by reason of the provisions of this condition any loss or damage is not covered by this
insurance, the burden of proving that such loss or damage is covered shall be upon
the insured.
7. Unless otherwise expressly stated in the Policy this insurance does not cover: -
(a) Goods held in trust or on commission.
(b) Bullion or unset precious stones.
(c) Any curiosity or work of art for an amount exceeding Tk.2500/-
(d) Manuscript, plans, drawings or designs, patterns, models or moulds.
(e) Securities, obligations or documents of any kind, stamps, coined or
paper money, cheques, books of account or other business books
and/or Computer records.
(f) Coal, against loss or damage occasioned by its own spontaneous
combustion.
(g) Explosives.
(h) Any loss or damage occasioned by or through or in consequence of
explosion; but loss or damage by explosion of gas used for illuminating or
domestic purposes in a building in which gas is not generated and which
does not form part of any gas works, will be deemed to be loss by fire within
the meaning of this policy.
(i) Any loss or damage occasioned by or through or in consequence of the
burning, whether accidental or otherwise, of forests, bush, prairie, pampas
or jungle and the clearing of lands by fire.
8. Under any of the following circumstances the insurance ceases to attach as regards
the property affected unless the Insured before the occurrence of any loss or damage,
obtains the sanction of the Corporation/ company signified by endorsement upon the
policy by or on behalf of the Corporation/Company :
(a) If the trade or manufacture carried on be altered or if the nature of the
occupation of or other circumstances affecting the building insured or
containing the insured property be changed in such a way as to increase the
risk of loss or damage by fire.
(b) If the buildings insured or containing the insured property become unoccupied
and so remain for a period of more than 30 days.
(c) If property insured be removed to any building or place other than that in
which it is herein stated to be insured.
(d) If the interest in the property insured pass from the insured otherwise than by
will or operation of law.
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9. This insurance does not cover any loss or damage to property which, at the time of
the happening of such loss or damage, is insured by or would, but for the existence
of this policy, be insured by any Marine policy or polices except in respect of any
excess beyond the amount which would have been payable under the Marine po licy
or policies had this insurance not been effected.
10. This insurance may be terminated at any time at the request of the insured, in which
case the Corporation/Company will retain the customary short period rate for the time
the policy has been in force. This insurance may also at any time be terminated at the
option of the Corporation/Company on notice to that effect being given to the insured,
in which case the Insurer shall be liable to repay on demand a rateable proportion of
the premium for the unexpired term from the date of the cancelment.
11. On the happening of any loss or damage the insured shall forthwith give notice thereof
to the Corporation/Company and shall within 15 days after the loss or damage, or such
further time as the Corporation/Company may in writing allow in that behalf, deliver
to the Corporation/Company.
(a) a claim in writing for the loss and damage containing as particular an
account as may be reasonably practicable of all the several articles or items
of property damaged or destroyed, and of the amount of the loss or damage
thereto respectively, having regard to their value at the time of the loss or
damage, not including profit of any kind.
(b) particulars of all other insurances, if any.
The insured shall also at all times at his own expense produce, procure and give to
the Corporation/ Company all such further particulars, plans, specifications, books,
vouchers, invoices duplicates or copies thereof, documents, proofs and information
with respect to the claim and the origin and cause of the fire and the circumstances
under which the loss or damage occurred and any matter touching the liability or the
amount of the liability of the Corporation/Company as may be reasonably required
by or on behalf of the Corporation/Company together with a declaration on oath or
in other legal form of the truth of the claim and of any matters connected therewith.
No claim under this policy shall be payable unless the terms of this condition have
been complied with.
12. On the happening of any loss or damage to any of the property insured by this policy,
the Corporation/ Company may
(a) enter and take and keep possession of the building or premises where the loss
or damage has happened.
(b) 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.
(c) keep possession of any such property and examine, sort, arrange, remove or
otherwise deal with the same.
(d) sell any such property or dispose of the same for account of whom it may
concern.
The powers conferred by this Condition shall be exerciseable by the insurer at any time
until notice in writing is given by the Insured that he makes no claim under the policy or,
if any claim is made, until such claim is finally determined or withdrawn, and the insurer
shall not by any act done in the exercise or purported exercise of its powers hereunder,
incur any liability to the insured or diminish its right to rely upon any of the conditions of
this policy in answer to any claim.
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If the Insured or any person on his behalf shall not comply with the requirements of the
insurer or shall hinder or obstruct the insurer in the exercise of its powers hereunder, all
benefit under this policy shall be forfeited.
The Insured shall not in any case be entitled to abandon any property to the
Corporation/Company whether taken possession of by the Corporation/Company or not
13. If the claim be in any respect fraudulent, or if any false declaration be made or used in
support thereof, or if any fraudulent means or devices are used by the Insured or any
one acting on his behalf to obtain any benefit under this policy; or, if the loss or damage
be occasioned by the wilful act, or with the connivance of the insured; or if the claim be
made and rejected and an action or suit be not commenced within three months after
such rejection. or (in case of an arbitration taking place in pursuance of the 18th
condition of this policy) within three months after the arbitrator or arbitrators or umpire
shall have made their award, all benefit under this policy shall be forfeited.
14. The Corporation/Company may at its option reinstate or replace the property damaged or
destroyed or any part thereof, instead of paying the amount of the loss or damage, or
may join with any other Insurers in so doing, but the Corporation/ Company shall not be
bound to reinstate exactly or completely but only as circumstances permit and in
reasonably sufficient manner, and in no case shall the Corporation/Company be bound
to expend more in reinstatement than it would have cost to reinstate such property as it
was at the time of the occurrence of such loss or damage, nor more than the sum
insured by the Corporation/Company thereon.
If the Corporation/Company so elect to reinstate or replace any property the insured
shall, at his own expense, furnish the Corporation/Company with such plans,
specifications, measurements, quantities, and such other particulars as the Corporation/
Company may require, and no acts done, or caused to be done by the Corporation/
Company with a view to reinstatement or replacement shall be deemed an election by
the Corporation/Company to reinstate or replace.
If in any case the Corporation/Company shall be unable to reinstate or repair the
property hereby insured, because of any municipal or other regulations in force
affecting the alignment of streets, or the construction of buildings, or otherwise, the
Corporation/Company shall, in every such case, only be liable to pay such sum as
would be requisite to reinstate or repair such property if the same could lawfully be
reinstated to its former condition.
15. The insured shall, at the expense of the Corporation/Company, do, and concur in doing
and permit to be done, all such, acts and things as may be necessary or reasonable
required by the Corporation/Company for the purpose of enforcing any rights and
remedies, or of obtaining relief or indemnity from other parties to which the Corporation
/Company shall be or would become entited or subrogated, upon its paying for making
good any loss or damage under this policy, whether such acts and things shall be or
become necessary or required before or after his indemnification by the Corporation/
Company.
16. 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, this Corporation/Company shall
not be liable to pay or contribute more than its rateable proportion of such loss or
damage.
17. If the property hereby insured shall, at the breaking out of any fire, be collectively of
greater value than the sum insured thereon, then the insured shall be considered as
being his own insurer for the difference, and shall bear a rateable proportion of the loss
accordingly. Every item, if more than one, of the policy shall be separately subject to
this condition.
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18. If any difference arises as to the amount of any loss or damage such difference shall
independently of all other questions be referred to the decision of an arbitrator, to be
appointed in writing by the parties in difference, or if they cannot agree upon a single
arbitrator, to the decision of two disinterested persons as arbitrators, of whom one shall
be appointed in writing by each of the parties within two calendar months after having
been required so to do in writing by the other party. In case either party shall refuse or fail
to appoint an arbitrator within two calendar months after receipt of notice in writing
requiring an appointment, the other party shall be at liberty to appoint a sole arbitrator;
and in case of disagreement between the arbitrators the difference shall be referred to
the decision of an umpire who shall have been appointed by them in writing before
entering on the reference and who shall sit with the arbitrators and preside at their
meeting. The death of any party shall not revoke or affect the authority or powers of the
arbitrator, arbitrators or umpire respectively; and in the event of the death of an arbitrator
or umpire, another shall in each case be appointed in his stead by the party or arbitrators
(as the case may be) by whom the arbitrator or umpire so dying was appointed. The
costs of the reference and of the award shall be in the discretion of the arbitrator,
arbitrators or umpire making the award. And it is hereby expressly stipulated and
declared that it shall be a condition precedent to any right of action or suit upon his policy
that the award by such arbitrator, arbitrators or umpire of the amount of the loss or
damage if disputed shall be first obtained.
19. In no case whatever shall the Corporation/Company be liable for any loss or damage
after the expiration of twelve months from the happening of the loss or damage unless
the claim is the subject of pending action or arbitration.
20. Every notice and other communication to the Corporation/ Companies required by these
Conditions must be written or printed.
21. Loss or damage to plinths and/or foundation and/or pavements is excluded from this
insurance.
22. When so authorized by the Corporation/ Companies the officers of the Corporation/
Companies shall have an access at any time to the Risks and/or the Premises.
18. Policy Wording:
All policies on buildings and/or contents shall contain the following:
(1) Construction of Building i.e. the materials used in the construction of the walls,
roofs and floors.
(2) Number of storeys, including basement and attic or loft
(3) Precise occupation of each Section of the building including description of the
contents of the building and of all processes carried on therein.
(4) Nature of communication with adjoining buildings. lf the partition wall between
two adjoining compartments is not a perfect party wall, this fact should be
stated.
(5) Policies covering both buildings and contents must show separate amounts on:
(1) Buildings.
(2) Machinery and accessories.
(3) Stocks and Stocks-in process.
(6) All tariff warranties applicable be inserted in all policies issued under the Tariffs.
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In most cases appropriate Warranties are provided in the Tariffs but the Warranties
published are not necessarily exhaustive and, in cases, where the wording of the Tariffs
(including footnotes and "N.B.s") indicates that further Warranties or restrictions are
necessary, offices of Sadharan Bima Corporation or of Companies are required to
place appropriate Warranties on the policy to give effect to the provisions and intentions
of the Tariffs.
19. Partial Insurance.
Subject to the undernoted exceptions, it is not permissible to issue a policy covering only:-
(a) Certain portions of a building; and
(b) Specified machines, parts of machines or accessories thereof. The
exceptions are:-
(1) The plinth and/or foundations of a building may be excluded.
(2) Individual sections separated from the remainder of the building by perfect
party walls may be excluded.
(3) Engines and boilers may be excluded from machinery cover.
(4) Where portions of a building not separated by perfect party walls and/or
machinery therein, are in different ownership the above rules do not
apply, and it is permissible for each owner to insure separately, but to
the full extent of his interest. In such cases the insured interest must be
clearly defined in the policy.
20. Long Term Policies.
It is not permissible to issue policies for a longer period than one year.
N. B. The above Rule does not apply to policies issued under Rules 14 and/or 31
(d) (ii)
21. Forward Contracts.
Forward contracts, or the issue of policies on risk which are fully insured or
cancelments and replacements of policies, in anticipation of Tariff or other legislation
are not permissible, and all acceptances, or renewal receipts issued prior to the
commencement of the insurance, shall contain the following warranty:-
"This acceptance is subject to such Tariff rates and regulations as may be in operation
at the time when the insurance comes into force."
22. Valued Policies and Contract Price Clause.
A policy in which the value is admitted is not permissible, nor may policies covering
stocks be issued providing for payment to an Insured of any amount in excess of the
market value immediately anterior to the fire but in the case of insurances of wholesale
merchants where goods are sold under a contract which is cancelled either wholly or to
the extent of the loss or damage, it is permissible in respect of imported goods only and
not for goods produced in this country to issue a policy on the basis of the Contract
Price. In such circumstances the following clause must be used.
"It is hereby agreed and declared that in respect only of goods sold but not
delivered for which the Insured is responsible and with regard to which under the
conditions of sale the sale contract is by reason of the fire, cancelled either wholly
or to the extent of the loss or damage the liability of the Corporation/Company shall
be based on the contract price, and for the purpose of average the value of all
goods to which the clause would in the event of loss damage be applicable shall be
ascertained on the same basis."
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GENERAL RULES AND REGULATIONS —(Contd)
23. Reinstatement Policy.

Reinstatement Value Insurances may be granted on buildings and contents, other than
merchandise and/or stock-in trade, and/or personal effects, subject to the incorporation
of the following memorandum in the policy:-
It is hereby declared and agreed that in the event of the property insured under (Items
Nos of ………….. ) the within policy being destroyed or damaged, the basis upon
which the amount payable under (each of the said items of) the policy is to be
calculated, shall be 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 following Special Provisions and subject also to the terms
and conditions of the policy except insofar as the same may be varied hereby.
SPECIAL PROVISIONS.
1. The work of replacement or reinstatement(which may be carried out upon
another site and in any manner suitable to the requirements of the Insured
subject to the liability of the Corporation/Company not being thereby increased)
must be commenced and carried out with reasonable despatch and in any case
must be completed within 12 months after destruction of or damage or within
such further time as the Corporation/Company may (during the said 12 months)
in writing allow; otherwise no payment beyond the amount which would have
been payable under the policy if this memorandum had not been incorporated
therein shall be made.
2. Until expenditure has been incurred by the insured in replacing or reinstating
the property destroyed or damaged the Corporation/Company shall not be liable
for any payment in excess of the amount which would have been payable under
the policy if this memorandum had not been incorporated therein.
3. If at the time of replacement or re-instatement the sum representing the cost
which would have been incurred in replacement or reinstatement if the whole of
the property covered had been destroyed exceeds the sum insured thereon at
the breaking out of any fire or at the commencement or any destruction of or
damage to such property by any other peril insured against by this policy, then
the Insured shall be considered as being his own insurer for the excess and shall
bear a rateable proportion of the loss accordingly. Each item of the policy (if more
than one) to which this Memorandum applies shall be separately subject to the
foregoing provision.
4. This Memorandum shall be without force or effect if :-

(a) The Insured fails to intimate to the Corporation/Company within 6 Months
from the date of destruction or damage or such further time as the
Corporation/Company may in writing allow his intention to replace or
reinstate the property destroyed or damaged.
(b) The Insured is unable or unwilling to replace or reinstate the property
destroyed or damaged on the same or another site.
24. Floating Policies.

No floating policy may be issued unless expressly provided for in the Tariff and/or
sanctioned by the Insurance Development & Regulatory Authority.
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25. TRANSFERS AND CANCELLATION
(A) TRANSFERS.
1. Insurance on moveable property only may be transferred by endorsement on the
policy from one situation to another provided such insurance continues to apply to
the same kind of goods or merchandise, or to a risk rateable under the same Tariff
as the original insurance.
2. An extra premium shall be charged or a refund of premium allowed, as the case
may be, on a pro-rata basis, in the event of the transfer involving any change of
rate.
NOTE: In all cases the difference of the premium to be charged or refunded must
be for the full period from date of transfer up to the expiry date of the policy.
3. If during the currency of a policy the rate for the class of risk to which the insurance
applies is increased and the policy is transferred to a risk which falls to be rated in
the same class, the rate at which the insurance was originally effected will still
apply; but in the event of a transfer to a risk falling under any other class, the rate
for which has been increased since the date at which the policy was issued, the
increased rate is to be charged.
(B) CANCELLATION.
1. An insurance may be cancelled before the date of its expiry, wholly or in part, at
the insured's request, and a refund of premium allowed after charging for the time
the insurance has been in force not less than the amount required by the Short
Period Scale applicable to the risk, subject to retention of a minimum premium of
Tk.100/=
N.B: — In case where buildings are demolished a prorata refund may be allowed
subject to a minimum premium of Tk.500/-.
2. An insurance may also be cancelled before the date of its expiry, wholly or in
part at the option of the Corporation/Company and a prorata refund of premium
allowed in respect of the unexpired term.
3. Apart from such cases where General Rule 33 is applicable, when a policy is
cancelled before expiry and a new insurance effected covering the identical
property a prorata refund of premium may be allowed (at the original or at the
new rate which ever may be the lower) in respect of the amount replaced and
refund of premium may be allowed on the sum not replaced after charging on
such sum for the time the insurance has been in force not less t han the amount
required by the Short Period Scale applicable to the risk, subject to the
retention of a minimum Premium of Tk.500/-.
26. Adjustable Declaration or open Policies:
The offer of this type of policy must not be advertised or used as a means of
competition between offices. The issue of declaration policies with periodical
declaration of the amount at risk is strictly subject to the special conditions for
declaration policy (vide Rule 27) and the following rules:-
1. Declaration policies should not be issued to cover stocks in-process, stocks in
process departments or Retail Stock.
2. In respect of Declaration Policies containing more than one specified location,
separate sums insured and separate declarations should be stipulated in respect
of each location
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N.B- Location means godowns and/or compound in the same occupancy.
3. No declaration policy should be issued for a sum insured which is less than -
(a) Tk.10 lacs in the case of General Merchandise including Yarn, Textiles and
jute Finished goods.
(b) Tk.30 lacs in the case of Cotton, Cotton Seeds, Jute, Tea or Wool.
4. Declaration Policy should not be issued on Short Period basis.
27. Special Conditions for Declaration Policies.

1. In consideration of the premium by this policy being provisional in that it is
calculated on 75 per cent of the sum insured hereby and is subject to
adjustment on expiry of each period of insurance-
The insured agrees to declare to the …… Corporation/Company in writing the
value of his stocks (other than retail) in each separate Building or Non
Communicating Compartment or in the open on the following basis namely
………. (insert the appropriate wordings as per N. B. (a) and to make such
declaration(s) within thirty days of the ……… (insert the appropriate day or
date) of each calendar month, such declaration(s) to be signed jointly by the
insured i.e. the mortgagor & the mortgagee.
In the event of a declaration not being made within the thirty days mentioned
above then the insured shall be deemed to have declared the sum insured hereby
as the value at risk. On the expiry of each period of insurance the premium shall
be calculated at the rate of …… (insert the Tariff rate) on the average sum
insured namely, the total of the values declared or deemed to have been
declared divided by the number of declarations due to have been made. If the
resultant premium be greater than the provisional premium the insured shall pay
the difference; if it be less, the difference shall be repaid to the insured but such
repayment shall not exceed 50 percent of the 100% Annual premium. Where a
declaration policy is sanctioned for specified situation and with specific sums for
each situation, the 50% minimum premium clause must be applied to each
situation and not overall.
2. The basis of value for declarations shall be the market value and any loss
hereunder shall be settled on the basis of the market value immediately anterior to
the loss.
3. If after the occurrence of a loss it is found that the amount of the last declaration
previous to the loss is less than the amount that ought to have been declared,
then the amount which would have been recoverable by the Insured shall be
reduced in such proportion as the amount of the said last declaration bears to the
amount that ought to have been declared.
4. Notwithstanding the occurrence of a loss it is understood that the sum insured
will be maintained at all times during the currency of the policy and the insured
therefore undertakes to pay extra premium on the amount of any loss pro-rata
from the date of such loss to the expiry of the period of insurance; the premium
being calculated at the rate applicable to the stocks destroyed and such extra
premium shall not be taken into account in, and shall be distinct from, the final
adjustment of premium.
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5. In the event of this policy being cancelled by the insured during its
currency(whether stocks exist or not) the premium to be retained by the
Corporation/Company shall be the appropriate short period premium calculated on
the average amount insured up to the date of cancelment, or 50% of the
provisional premium whichever is the greater; but if the policy is cancelled by the
insured after a loss has occurred the premium to be retained by the
Corporation/Company shall be the pro-rata proportion of premium calculated on
the average amount insured up to the date of cancelment plus the pro-rata
proportion of the premium from the date of loss to the expiry of the period of
insurance on the amount of the loss paid, or 50 per cent of the provisional
premium whichever is the greater.
5.A. In cases of sum insured being reduced during the currency of policy, the minimum
premium to be retained should be calculated as follows:-
(a) 50% of the annual premium on the reduced sum insured or
(b) 50% of the premium calculated at the appropriate short period rates on the
amount of the reduction in the sum insured for the period from the
commencement of the year of insurance to the date of the reduction.
6. The maximum liability of the Corporation/Company shall not exceed the sum insured
hereby and premium shall not be receivable on value in excess thereof. The sum
insured may, however, be increased by prior agreement with the Corporation/
Company in which event the new sum insured and the date from which it is effective
will be recorded on the policy by endorsement. In the event of an increase in the sum
insured being agreed to the Corporation/Company shall charge on such increased
sum an additional provisional premium on a basis proportionate to the unexpired
period of the policy and upon expiry of each period of insurance the total provisional
premium so paid shall be adjusted as provided for in the Clause 1 of these Special
Conditions.
7. If the stocks hereby insured shall at the time of loss be collectively of greater value than
the sum insured thereon, then the insured shall be considered as being his own insurer
for the difference and shall bear a rateable proportion of the loss accordingly. Every
item, if more than one, on stocks shall be separately subject to this condition.
8. It is warranted that every policy covering the insured's stocks on a declaration basis shall
be identical in wording.
9. This insurance is subject in all respects to the printed conditions of the Policy except in so
far as they may be varied by these Special Conditions.
N. B: The value at risk shall be declared on one of the following bases to be agreed before-
hand with the insured and specified in the policy.
(a) The average of the values at risk on each day of the month.
(b) The average of the highest value at risk each week of the month.
(c) The highest value at risk during the month.
(d) Any other suitable basis as may be sanctioned by the Insurance Development &
Regulatory Authority.
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28. Electrical Installation.

The following clause must be inserted in all policy covering electrical plant, installations
and appliances and in all policies covering household and personal effects, furniture,
fixtures and fittings in dwelling house or business premises:-
(A) Electrical Clause
"This Corporation/Company is expressly declared to be free from liability for loss of or
damage to any electrical machine, apparatus, fixture or fitting (including electric fans,
electric household or domestic appliances, wireless sets and radios)or to any portion of
the electrical installation, arising from or occasioned by over-running, excessive
pressure, short circuiting arcing, self-heating or leakage of electricity, from whatever
cause (lightning included); provided that this exemption shall apply only to the particular
electrical machine apparatus, fixture, fitting or portion of the electrical installation so
affected and not to other machines, apparatus, fixture, fitting or portions of the electrical
installation which may be destroyed or damaged by fire so set up."
N.B. This clause may be omitted on payment of an extra premium at the rate of 0.34% on
the total value of the electrical machines, apparatus, fixtures, fitting and installation
belonging to the Insured or for which he is responsible, such value to be separately
declared and specified by a separate item in the policy and the minimum extra
premium so charged to be Tk.500/=. This cover is subject to an excess of 25% of
the assessed loss of each motor or unit or Tk.1,000/= whichever is the greater. The
following alternative clause is to be inserted in such cases:-
(B) Electrical Clause
"Loss or damage by fire to the electrical appliances and installations insured by item
of this policy arising from or occasioned by over running, excessive pressure, short
circuiting, arcing, self-heating or leakage of electricity ,from whatever cause
(lightening included) is covered subject to the terms and conditions of this policy but
it is expressly understood that no liability exists under this policy 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".
It is further understood and agreed that the Corporation's/ Company's liability under this
clause, in respect of each motor or unit, shall be limited only to the excess over and
above the loss of 25% of the assessed amount of loss of each Motor or unit or
Tk.1,000/- whichever is the greater.
29. Spontaneous Combustion
Except where specially provided for in the Tariffs, spontaneous combustion may not be
covered either by a separate insurance or by incorporation in a fire policy unless the
prior sanction of the Rating Committee shall have been obtained and then only for such
commodities and on such terms as the Rating Committee may determine.
In all cases where spontaneous combustion cover is granted by incorporation in a Fire
Policy the following clause must be used:-
"It is hereby declared and agreed that notwithstanding anything herein contained to the
contrary the insurance by (items...of) this policy shall extend to include destruction or
damage by fire only of or to the insured property caused by its own spontaneous
fermentation heating or combustion."
Provided that all the conditions of the policy (except as expressly varied herein shall
apply as if they had been incorporated herein).
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30. Loss of Rent Receivable or Payable Caused by Fire and/or other insured perils.
The rate chargeable for this class of insurance is the annual tariff rate applicable to the
particular building or premises concerned. The insurance to be effected by a separate
policy and/or item and subject to the clauses hereinafter contained.
The Standard Clauses to cover (i) Rent Receivable, and (ii)Rent Payable are given
below:-(i) Rent Receivable Clause.
This Corporation/Company will be answerable for payment of the aforesaid Rent , but
in no case exceeding the actual Rent Receivable by the Insured of the aforesai d
Premises at the time of the fire, or on such part of the same as may be then let, in
the event of the same being un tenantable during the wholeterm above specified, in
consequence of damage by fire. The amount payable under this Policy shall be in
the proportion which the amount insured bear to the Actual Rent of the Premises;
and in case of the Premises not being untenantable during the whole of the term
aforesaid, the Corporation/Company shall only be liable to pay to the insured such a
proportion of the amount so payable as aforesaid as the period of time during which
the said premises may be untenantable bears to the whole time above specified but
the same shall not exceed the time which would be required by a Builder to put the
Premises into tenantable condition.
(i) Rent Payable Clause.
This Corporation/company will be answerable for payment of the aforesaid Rent, but
in no case exceeding the actual Rent Payable by the Insured to the owner or
Landlord of the said Premises in the event of the same being untenantable during
the whole term above specified in consequence of damage or destruction by fire.
The amount payable under this policy shall be in proportion which the amount
insured bears to the actual Rent of the Premises; and, in case of the premises not
being untenantable during the whole of the term aforesaid, the Corporation/Company
shall only be liable to pay to the insured such proportion of the amount so payable as
aforesaid as the period of time during which the said Premises may be untenantab le
bears to the whole time above specified, but the same shall not exceed the time
which would be required by a Builder to put the Premises into tenantable condition.
31. Special Policy Conditions Relating to Buildings in course of Construction &
Machinery. Plant and Equipment in Course of installation in Newly Constructed
Buildings.
Insurance of buildings in course of construction, Machinery, Plant & Equipment in
course of installation in newly constructed buildings and materials on the site or to
be effected subject to the following Rules:-
(a) Buildings shall be classified under the class of construction as laid down in the
Tariff, to which they will conform on completion.
(b) Machinery, Plant and Equipment may only be covered in accordance with these
rules provided the installation is confined to newly constructed and detached
and/or perfectly separated buildings and provided that on completion of
installation it will automatically fall to be rated under the Fire Tariff of Rating
Committee.
N.B.1 Full Tariff rates must be applied in all cases as soon as the stage of full scale testing and
running in of the machinery and plant or equipment has been reached.
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(c) Policies shall contain the following wording suitably amended if necessary in
accordance with Note below:-
"The liability of the Corporation/Company under this policy shall in no case
exceed the value at the time of the fire of that part of the building already
erected and materials on the site." and also the following warranty:-
"Warranted that notice shall be given to the Corporation/ Company when the
building (s) under construction are occupied and that the insured shall pay a
suitable additional premium if required."
(d) Policies shall be upon one of the following basis :-
(i) Policy is issued for the sum insured required at the outset. Increases in the sum insured
may be allowed from time to time as requested by the insured with payment of
additional premium calculated on a prorata basis.
On completion of the building (s) cancellation of the policy is permitted with return of
premium on a prorata basis.
(ii) Policy is issued for the total estimated completed value of the building(s) and to cover the
whole period of operations on the site. Premium is calculated at prorata of half of the
Tariff rate.
The following Clauses are to be inserted. in the policy:
"In consideration of the premium under item …….. of the policy being calculated at half
the normal rate the insured hereby agrees to insure thereunder, throughout the period
of operations on the site, on the basis of the total estimated completed value of the
premises. lf it should become apparent that the sum insured under item ………. or the
period of cover is either insufficient or excessive the insured shall immediately request
the Corporation/Company to adjust such sum insured or period. In the event of the
Corporation/Company agreeing to such an adjustment the premium under item shall
than be recalculated as from the commencement date of the policy and an appropriate
adjustment of the premium shall be made."
Where only one item appears in the policy the words in italics in the above clause
should be omitted.
"Provided that if, at the breaking out of any fire the total estimated completed value
of the property is greater than the sum insured thereon, then the insured shall, not
withstanding any subsequent increase in the sum insured, be considered as being
his own insurer for the difference and shall bear a rateable proportion of the loss
accordingly. Every item, if more than one, of the policy shall be separately subject
to this condition."
Note-- Where desired it is permissible by suitable adjustment of the sum insured and
wording to include in the insurance, Contractor's plant equipment and temporary
buildings and also Architects and Surveyors Fees provided the premium in respect
thereof is calculated on the same basis as that relating to the building(s) except
under policies on basis (ii) in which Contractor's plant, equipment and temporary
buildings should be insured by a separate item with premium calculated at prorata
of the full Tariff rate.
Rates for Fire Cover in respect of buildings in course of construction, machinery, plant
and equipment in Course of installation in newly constructed and detached and/or
perfectly separated buildings and materials on site shall be the rate for Buildings under
construction, alteration or repair's shown in the tariff under which the completed
building falls to be rated.
In cases where the completed building falls to be rated under a Tariff which makes no
provision for buildings in course of construction, the risk should be rated under the
Mofussil General Tariffs.
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32. Agreed Mortgage Clause, Fire section.

A. All policies in which a financial Institution has a partial interest shall be made out in
the name of the financial institution and Owner or Mortgagor and shall contain the
following clauses:-
MORTGAGE CLAUSE
Attaching to & forming part of the policy no.
1.a. It is hereby declared and agreed:

1. That upon any moneys becoming payable under this policy the same shall be paid
by the Corporation/Company to the financial Institution and such part of any
moneys so paid as hereunder shall be received by the Financial Institution as
agents for such other parties.
2. That the receipts of the Financial Institution shall be a complete discharge of the
Corporation/Company, therefor and shall be binding on all parties insured
hereunder.
3. That if and whenever any notice shall be required to be given or other
communication shall be required to be made by the Corporation/Company to the
insured or any of them in any matter arising under or in connection with this policy
such notice or other communication shall be or made to the Financial Institution.
4. That any adjustment, settlement, compromise or reference to arbitration in
connection with any dispute between the Corporation /Company and the insured
or any of them arising under or in connection with the policy if made by the
Financial institution shall be valid and binding on all parties insured hereunder but
not so as to impair the right of the Financial Institution to recover the full amount
of any claim it may have on other parties insured hereunder, and
1. b. That this insurance so far only as it relates to the interest of the Financial Institution
therein shall not cease to attach to any of the insured property by reason of the
operation of clause 8 of the conditions endorsed on the policy except where a breach
of such clause has been committed by the financial Institution or its duly authorised
agents or servants and this insurance shall not be invalidated by any act or omission
on the part of any other party insured hereunder whereby the risk is increased or by
anything being done to upon or in any building hereby insured or any building in
which the goods insured under the policy or stored without the knowledge of the
financial institution provided always that the Financial Institution shall notify the
Corporation/Company of any change of ownership or alteration or increase of hazard
not permitted by this insurance as soon as the same shall come to its knowledge and
shall on demand pay to the Corporation/Company the necessary additional premium
from time when such increase of risk first took place. And it is further agreed that
whenever the Corporation/Company shall pay the Financial Institution any sum in
respect of loss or damage under this policy and shall claim that as to the mortgagor
or owner no liability therefore existed, the Corporation/Company shall become legally
subrogated to all the rights of the Financial Institution to the extent of such payment
but not so as to impair the right of the Financial Institution to recover the full amount
of any claim it may have on such Mortgagor or owner or any party or other parties
insured hereunder or from any securities or funds available.
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33. Improvement or enhancement of Risk.

(a) IMPROVEMENT OF RISK. In the event of any permanent improvement in the
construction of a building, or in a process of manufacture or in the event of the
removal of property from one building to another. or if the risk is so improved
whereby a less rate may become applicable under the relative Tariff a prorata
return of excess premium may be made for the full unexpired term of the
policy but this provision does not apply in the case of Tariff revisions as
provided for in rule 8(b).
(b) ENHANCEMENT OF RISK. Except where specially provided for the Tariff, when
an extra premium becomes chargeable for the use of Artificial Light or for other
enhancement of risk the additional premium for the period required shall be
calculated prorata on the basis of the policy. If the risk has been insured under
the Short period Scale, the additional premium must be calculated under the
same scale.
34. Refunds and Extra premiums.
Increase in sum insured- in the event of the sum insured being increased between date
of commencement and date of expiry of policy
(1) The short period scale of rates be applied to such increased amount or,
(2) The increased full insurance may be carried on for one year from the date of
a request for increase under a policy, in which case due allowance can be
made prorata for the premium already paid under policy or
(3) The increased full insurance may be carried on prorata from the date of the
request for the increase under a policy until expiry date of the existing policy
subject to the inclusion of the following Clause :-
In consideration of the additional premium chargeable in this case being calculated at a
prorata proportion of the annual premium, it is agreed by the insured that this policy will
be renewed on the ………………………………………………………………… for a
further period of twelve months for an amount not less than the increased total sum
insured hereby. failing which the difference between the additional premium now
payable and the additional premium at short period rates shall be paid to the
Corporation/Company or
(4) A new policy for the full increased amount cancelling the old insurance may
be issued at the Tariff rates (annual or short period, according to the period
for which the said full increased insurance is required) in which case a
Prorata refund for unexpired times may be allowed under the cancelled
policy.
Decrease in sum Insured.-See Transfer and Cancellation Rules "Cancellation",
35. Endorsement Wordings:
(A) Corporation/Company may include all or any of the following endorsements in the
standard Fire policy. A suitable additional premium must be charged and in the case of
Flood and Cyclone Risk in Bangladesh the appropriate Tariff must be followed.
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GENERAL, RULES AND REGULATIONS — (Contd.)
(1) EXPLOSION COVER
The following endorsement must be used:-
STANDARD EXPLOSION ENDORSEMENT
ENDORSEMENT NO. ………………. EXTENDING THE INSURANCE under policy No ………

of the …………………………………………………… …….. in the name of ….……………
It is hereby agreed and declared that the insurance under this policy shall, subject to
the Special Conditions hereinafter contained, extend to include :-
Loss of or damage to the property insured by fire or otherwise directly caused by

explosion, but excluding loss of or damage to boilers, economisers, or other
vessels, machinery or apparatus in which pressure is used or their contents
resulting from their explosion.
PROVIDED always that all the conditions of this policy (except insofar as Condition
No.7 (h) is hereby expressly varied) shall apply as if they had been incorporated herein
and for the purpose
hereof any loss or damage by explosion as aforesaid shall be deemed to be loss or

damage by fire within the meaning of this policy.
SPECIAL CONDITION
(1) The Corporation/Company shall not be liable under the extension, for loss or
damage occasioned by or through or in consequence, directly or indirectly, of
any act of any person acting on behalf of, or in connection with, any
organisation 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.
In any action, suit or other proceeding where the Corporation/Company alleges

that by reason of the provisions of this Condition any loss or damage is not
covered by this insurance, the burden of proving that such loss or damage is
covered shall be upon the insured.
(2) If there shall be any other fire insurance on the property insured under this policy.
The Corporation/Company shall be liable only prorata with such other fire
insurance for any loss or damage by explosion whether or not such other fire
insurance be extended to cover loss or damage by explosion.
(3) The Corporation/Company shall not be liable under this extension for loss or
damage which at the time to the happening of such loss or damage is insured by
or would, but for the existence of this extension, be insured by any other existing
policy or policies except in respect of any excess beyond the amount which
would have been payable under such policy or policies had this insurance not
been effected.
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(2) AIRCRAFT DAMAGE

The following endorsement is recommended:-
Endorsement extending the insurance under Policy No. ……………………………... for
Tk. of the ……….. in the name of ……………. and declared to form part thereof as if
written or printed thereon.
In consideration of the payment by the insured to the Corporation/Company of the sum
of …………………………………………… additional premium, it is hereby agreed and
declared that the insurance under the policy shall, subject to the special Conditions
hereinafter contained, extend to include loss or damage to the property insured (by
fire or otherwise) directly caused by Aircraft and other aerial devices and/or articles
dropped therefrom.
Provided always that all the conditions of the policy shall apply as if they had been
incorporated herein and for the purposes hereof any loss or damage aforesaid shall
be deemed to be loss or damage by fire.
SPECIAL CONDITIONS
(1) The liability of the Corporation/Company shall in no case under this
endorsement and the policy exceed the sum insured by each item of the policy.
(2) this insurance does not cover any loss or damage caused by any Aircraft to
which permission to land has been extended by the Insured.
Additional Premium Tk. ……………………..
Entered in the Book of this Corporation/Company this day of 20 .
(B) Corporation/Company may include any of the following Endorsement in the
standard Fire Policy. No additional premium shall be chargeable other than
premium attracted by reason of the increase in the sum insured occasioned
by the inclusion of all or any of the said endorsements.
(1) ARCHITECTS' FEES CLAUSE

The insurance by each item extends to cover Architects' or consulting Engineers Fees
necessarily incurred in the reinstatement of the property insured 'consequent upon its
destruction or damage but not for preparing any claim, it being understood that the
amount payable for such fees shall not exceed in all 71/2% of the sum insured by each
item.
N.B.- Average cumulative rate applicable to the building and machinery covered against
Fire and all extraneous perils should be charged.
(2) REMOVAL OF DEBRIS CLAUSE
It is understood that insurance of the building and machinery under the various
items of this policy extends to include cost and expenses necessarily incurred by
the insured with the consent of the insurers in: -
(i) removing debris.
(ii) dismantling and/or demolishing.
(iii) shoring up or propping of the portion or portions of the property insured by the
said items destroyed or damaged by fire or by any other perils hereby insured
against.
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The liability of the Insurers under this clause and the policy in respect of any item shall
in no case exceed the sum insured thereby.
N.B. Average cumulative rate applicable to the building and machinery covered against Fire
and all extraneous perils should be charged.
(3) TRUST CLAUSE
It is hereby declared and agreed that this Insurance extends to and covers property for
which the Insured are not legally responsible but for which they may desire to assume
responsibility, provided however that if such property is otherwise specifically insured
no liability shall attach under this policy.
(C) Corporation/Company may include any of the following endorsement in the Standard
Fire Policy without additional premium.
(1) TEMPORARY REMOVAL CLAUSE
Subject to the following provisions the property insured by this policy (other than stock
in trade or' merchandise if insured hereby) is covered whilst temporarily removed for
cleaning, renovation repair or other similar purposes, elsewhere on the same or to any
other premises and in transit, thereto and therefrom by road, rail or inland waterway in
Bangladesh.
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
that part of the premises from which the property is temporarily removed, nor, in
respect of any loss occurring elsewhere than at the said premises, 10 per cent, sum
insured by the item after deducting therefrom the value of any building for exclusive off
fixture fittings and stock in trade or merchandise insured thereby.
This extension does not apply to property if and so far as it is otherwise insured,
nor, as regards losses occurring elsewhere than at the premises from which the
property is temporarily removed to;
(a) Motor Vehicles and Motor Chassis licensed for normal use.
(b) Property held by the insured in trust, other than machinery and plant. (2)
LOCAL AUTHORITIES CLAUSE
The insurance of Buildings under this policy extends to include such additional cost
of reinstatement of the destroyed or damaged property thereby insured as may be
incurred solely by reason of the necessity to comply with Building or other
Regulations under or framed in pursuance of any act of National Assemblies or with
Bye-Laws of any Municipal or Local Authority provided that;
(1) The amount recoverable under this Extension shall not include: -
(a) the cost incurred in complying with any of the aforesaid regulations or Bye-laws.
(i) In respect of destruction or damage occurring prior to the granting of this
Extension.
(ii) in respect of destruction or damage not insured by the policy,
(iii) under which notice has been served upon the insured prior to the happening
of the destruction or damage.
(iv) in respect of undamaged property or undamaged portion of property
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(b) the additional cost that would have been required to make good the property
damaged or destroyed to a condition equal to its condition when new had the necessity
to comply with any of the aforesaid Regulations or Bye-Laws not arisen.
(c) the amount of any rate tax duty development or other charge or assessment arising
out of capital appreciation which may be payable in respect of the property or by the
owner thereof by reason of compliance with any of the aforesaid Regulations or Bye-
Laws.
(2) 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 the insurer may (during the said
twelve months) in writing allow and may be carried out wholly or partially upon another
site (if the aforesaid Regulation or Bye-Laws so necessitates) subject to the liability of
the insurers under this Extension not being thereby increased.
(3) If the Liability of the insurers under (any item of) the Policy apart from th is Extension
shall be reduced by the application of any of the terms and conditions of the policy
then the liability of the insurers under this Extension (in respect of any such item)
shall be reduced in like proportion.
(4) The total amount recoverable under any item of the policy shall not exceed the sum
insured thereby.
(5) All the conditions of the policy except in so far as they may be hereby expressly varied
shall apply as if they had been incorporated herein.
(3) DESIGNATION CLAUSE
For the purpose of determining, where necessary, the column heading under which
any property is insured the insurers agree to accept the designation under which
such property has been entered in the Insured's books.
(D) OTHER CONTENTS AND COMPUTER SYSTEMS RECORDS
1. Other Contents Cover may be given by adding "Other Contents" in the policy and the
following clause:
It is agreed that the terms "other contents" is understood to include:
(a) Money and stamps not otherwise specifically insured for an amount not
exceeding Tk. ………………………..
(b) Documents manuscripts and business books but only for the value of the
materials as stationery together with the cost of clerical labour expended in
writing up, and not for the value …………… to the insured of the information
contained therein and for an amount not exceeding ……….. in respect of any
one document manuscript 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
information to be recorded therein) and not for the value to the insured of the
information contained therein for an amount not exceeding Tk…
(d) Patterns, models, moulds, plans and designs for an amount not exceeding
………. in respect of any one pattern, model, mould plan or design.
And so far as they are not otherwise insured:
(e) Employees' pedal cycles, clothing, tools and other personal effects for
an amount not exceeding …………… in respect of any one Employee.
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Note : The monetary limits in (b) and (d) may be omitted if desired but in (a) and (c) monetary
limits are obligatory Paragraph (e) may be omitted entirely if it is not desired to insure
such property.
2. As an alternative to the adoption of the full "Other Contents" Clause.

A limited form of cover in respect of computer systems records may be given under the
"Other Contents" Clause by inserting the clause as per (c) above:
The insertion of monetary limit in the above new paragraph of the "Other Contents"
Clause is obligatory. The amount of this limit is a matter for negotiation between
Insured and Insurers in individual cases but the limit may not be deleted.
3. Otherwise than by means of an "other Contents" Clause.

In case where an "Other Contents" Clause is not used, the limited form of cover in
respect of computer systems records may be given by means of a separate item in
the Policy for an agreed sum insured at a rate of premium not less than that for the
other contents covered, the wording of the item being as follows:
―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 expense in connection with the production of information to be
recorded therein) and not for the value to the Insured of the information contained
therein."
4. If a more extensive cover than that available under the above wordings is required, it is
permissible to issue a separate policy or to add an appropriate item to the material
damage policy or to the consequential loss policy as the case may be.
40. STOCKS IN THE OPEN.
Any materials or stocks in wholly or partly open sheds or in the open within 50 feet of
any building or other materials or stocks, must be charged the highest rate applicable to
any such building and/or other materials or stocks and vice versa.
Provided the above condition shall not apply where the building is of Fireproof, Pucca
or Ordinary Construction in which the walls facing higher rated risk have no openings
whatever, or have openings protected by iron doors or shutters.
Provided further the above condition will apply subject to specific provisions, if any
existing in special tariffs.
41. CYCLONE AND/OR FLOOD COVER:
GOODS IN OPEN OR IN OPEN SHEDS:
It is not permissible to grant cover against cyclone and/or flood damage in respect of
goods in the open or in open sheds.
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42. TARIFF REDUCTION.
There shall be no Tariff reduction for all clients.
43. ENDORSEMENT WORDINGS.
IMPACT DAMAGE COVER:-
In consideration of the payment of an additional premium Tk………………., it is hereby agreed

and declared that the insurance under (item(s) …………………………..) of this policy shall
extend to include loss or damage directly caused by:-
Impact by any road vehicles, horses or cattle not belonging to or under the control of the Insured
or any member of his family or any person in or upon the Insured’s service, excluding the first
Tk.7,500/-of each and every loss.
Provided that-
1. All the conditions of the Policy shall apply as if they had been incorporated herein and for
the purpose hereof any loss or damage as aforesaid shall be deemed to be loss or
damage by fire.
2. The liability of the Company shall in no case under this endorsement and the Policy
exceed the sum insured by each item of the Policy.
BURSTING OF PIPES COVER:-
In consideration of the payment of an additional premium Tk……………….., it is hereby agreed

and declared that the insurance under (item(s)………………………….. ) of this policy shall
extend to include loss or damage directly caused by:-
Bursting or overflowing of water tanks, apparatus or pipes, excluding damage thereto and the
first Tk.5,000/-of each and every loss.
Provided that-
1. All the conditions of the Policy shall apply as if they had been incorporated herein and for
the purpose hereof any loss or damage as aforesaid shall be deemed to be loss or
damage by fire.
2. The liability of the Company shall in no case under this endorsement and the Policy
exceed the sum insured by each item of the Policy.
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LANDSLIDE/HILLSLIDE/LANDSLIP ENDORSEMENT:-
In consideration of the payment of an additional premium Tk……………………….., it is hereby

agreed and declared that the insurance under this policy shall extend to include loss of or
damage to the property insured directly caused by landslide/hillslide/landslip during the currency
of the policy.
TSUNAMI ENDORSEMENT:-
In consideration of the payment of an additional premium Tk…………………….., it is hereby

agreed and declared that Tsunami risk may be covered with Earthquake peril under the following
Earthquake (Tsunami) extended clause:-
―Loss or damage resulting from Earthquake, Natural Landslip, Volcanic, Eruption,

Hydrothermal/Geothermal activity, Tsunami (caused by movements of land or the sea
floor) and Fire resulting therefrom.‖
44. Premium Rates for Additional Perils:-

1. Explosion = 0.01%
2. Aircraft Damage = 0.001%
3. Impact Damage = 0.005%
4. Bursting of Pipes = 0.005%
5. Landslide/Hillslide/Landslip = 0.085%
6. Tsunami = 0.0085%
45. ABOUT EXCESS IN SOME CASES.
In respect of Textile, garments, Spinning/Composite Mills, Sweater factory, Hosiery and Thread
factory, Knitwear/Denim, Textile Dyeing/Textile Printing/Textile finishing, Power loom, Woolen,
Sericulture Mills using natural and Synthetic materials shall be subject to the following
conditions:-
a) 10% self insurance is applicable to Fire, Package & IAR policies. The liability of the
insurer is limited to the extent of 90% only of the risk and the remaining 10% shall be
borne by the insured. Premium, however, is to be charged on full value declared for
insurance (Please see the warranty to be used as incorporated hereunder).
b) Additional Self-Insurance by 10% of total sum insured under the policy in respect of any
risk which sustains more than one recoverable loss within the past 3(three) years.
c) Deductible of 10% of loss but minimum Tk.5 Lac on each and every loss irrespective of
perils.
d) All projects valued Tk.5 Crore and above must be surveyed by well reputed surveyors.
Recommendation of surveyors for improvement of the risks must be complied within 3
(three) months.
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Warranty.
Attaching to and forming part of policy no ………………………………………………………………
It is hereby declared and agreed that the liability of the Corporation/Company by this insurance
covering Building, Machinery, Contents, Stock and Stock-in-Process is limited to the extent of
90% only of the risk and the remaining 10% shall be borne by the insured as self insurer.
Premium, however, shall have been paid on full value declared for insurance.
46. RATES, TERMS AND CONDITIONS APPLICABLE TO RISK EXCEEDING COUNTRY

Limit:-
Wherever the value of any one single risk exceeds the country limit of Bangladesh, it would be
permissible to place the amount of Risk (Sum Insured) exceeding country limit with Overseas
Re-insurer(s) by way of facultative reinsurance and in such cases premium rates, terms,
conditions, exclusions shall be determined by the participating leading overseas reinsurer and
such rates, terms & conditions shall apply to the entire policy of insurance, provided that the
leading overseas Reinsurer will have a meaningful participation in that facultative reinsurance
and that the balance must have been subscribed by other reinsurers, and that the reinsurers will
have a minimum rating standard, as determined by the Insurance Development & Regulatory
Authority (IDRA), from a recognized Rating Authority. However such a rate shall have to be
approved by IDRA before taking any effect.
The country limit of Bangladesh will be determined from time to time, as per advice of Sadharan
Bima Corporation (SBC), and circulated to All Non-Life Insurers by IDRA as per recommendation
of Central Rating Committee (CRC).
Page # 27
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INDEX
Miscellaneous Regulations
SUB-SECTIONS
1. BUILDING CONSTRUCTION
(See "Building Regulations" Section of Tariff.)

2. STORAGE and/or USE of LIQUID FUEL (OIL or Spirit.)
(a) Petroleum products storage.
(b) Furnaces and/or internal Combustion Engines.
(c) Mobile Goods Handling Appliances Powered by Petrol or Diesel or

Petrol/Diesel Engines.
(d) Storage of Petrol where Singeing is carried on the finishing Section of a

Cotton Mill.
3. WIRELESS INSTALLATIONS.
4. CINEMATOGRAPH and similar machines.
5. ARTIFICIAL LIGHTING.
6. STORAGE and/or USE OF CALCIUM CARBIDE (Acetylene Gas).
7. ELECTRICAL HANDLING GEAR.
(a) Overhead Travelling Cranes and Runways ;
(b) Stackers.
8. MOTOR CAR and CYCLES.
9. BATTERY SERVICE STATIONS.
10. SULPHUR STORAGE IN THE OPEN.
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(2) Storage and/or use of Liquid Fuel (Oil or Spirit)
2 (a) Petroleum Products Storage.

(Applicable to gasoline, naphtha, petrol, benzoline etc. having a
flash point below 73° Fahrenheit, close test).
REGULATIONS APPLICABLE ONLY TO KERBSIDE OR OTHER

PETROL PUMPS AND GARAGE PUMPS
Installation and operation of Kerbside and/or other Petrol Pumps and/or Garage
Pumps must be in conformity with the regulations and conditions laid down for the installation
and operation of such pumps by the Government of Bangladesh.
REGULATIONS APPLICABLE TO STORAGE OTHER THAN

AS IN 'A' ABOVE
Precautions.
The following precautions must be observed.
(1) Storage only in airtight vessels,
(2) To be handled only in daylight.
(3) To be kept in separate compartments well ventilated to outside air.
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(2) Storage and/or use of Liquid Fuel (Oil or Spirit) - (Contd. 01-10-1997)
2 (a) Petroleum Products Storage. (contd.)
Regulations.
RETAIL DRUG STORES.
Not more than half-a-gallon for medicinal purposes only, allowed to be kept in airtight stoppered
vessels, each containing not more than 1/2 pint.
OTHER RETAIL STORES.
Not more than 4 gallons allowed, with warranty that it be kept in closed metal vessels with
metal stoppers, each of a capacity not exceeding 2 gallons: that it be drawn off by daylight only;
that no artificial light or heat be permitted in the room where it is stored and that the room has
good ventilation to outer air.
Larger quantities than 4 gallons to be in all cases stored only in unbroken packages in a
separate will ventilated building set apart for the purpose, with warranty that no artificial light or
heat be allowed therein.
QUAYS AND WHARVES.
No fires or light must be allowed on any quay or open ground on which petroleum spirit may be
placed.
PRIVATE USE FOR MOTOR CARS, & C.
Not more than 60 gallons in metal vessels not exceeding 2 gallons capacity each and to be
stored in a lockup outlying building, having an earthen floor, used for no other purpose. No
artificial light or heat to be used therein.
2 (b) Furnaces and/or Internal Combustion Engines.

Note: Where physical conditions render complete compliance with these Regulations
impracticable, full details should be submitted to the Committee.
Section A.
Definitions and Rules in connection with LIQUID FUEL for internal combustion Engines using
fuel having a flash point below 73°F
Flash point : Every reference to flash point is to a close test.
Storage Tank : A fuel tank having a capacity exceeding 10 gallons.
Service Tank : A fuel tank having a capacity not exceeding 10 gallons and not being an
engine feed tank.
Engine Feed Tank : A fuel container forming part of an engine
Catchpit : (a) A sump or well in the ground immediately beneath a tank and having
a capacity greater than that of the tank.
Or
(b) A space enclosed by walls that are incombustible, substantial and oil-
tight and that has a capacity greater than that of the tank therein.
Or
(c) A combination of (a) and (b) above.
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(2) Storage and/or use of Liquid Fuel (Oil or Spirit) - (Contd.)
2 (b) Furnaces and/or Internal Combustion Engines (contd.)
Section A - (contd.)
Storage Tanks, Service Tanks and engine Feed Tanks.
1. Every Tank must be substantially constructed of steel or of wrought iron and be oil-tight
and vapour- tight except as regards permitted vents. A pin-hole vent is permitted. Any manhole
cover must be tightly fixed by bolts and nuts.
Storage Tanks.
2. Any storage tank that is NOT INSIDE a building must comply with the following:-
(a) It must not be placed on or over the roof of any building.
(b) If it is sunk underground and covered with concrete at least 6 inches thick laid in
situ it may be within any distance of a building.
(c) If not sunk underground and covered with earth or with concrete it must be
inside or over a catchpit. It must not be within 40 feet of any building unless an
intervening screen wall is provided. Such screen wall must be of brick work,
masonary or concrete at least 81/2 inches thick and devoid of opening, must be
at least 3 feet high than the top of the tank and at each end must extend at least
3 feet beyond the face or side opposed to the building or be retained a similar
distance away from the building.
3. If a storage tank is inside a building used exclusively for housing storage tanks it must be
inside or over a catchpit and must not be within 40 feet of any other building unless the walls of
the building containing the tank from a screen wall, as described in the preceding Rule.
4. If a storage tank is inside a building otherwise occupied or used, it must be buried in the
earth below the lowest floor and be covered with concrete at least 6 inches thick laid in situ.
Service Tank
5. A service tank may be located inside a building provided it is not placed in such a position
that escaping liquid fuel can reach any heated surface.lf more than one, their combined capacity
must not exceed 10 gallons.
Engine Feed Tank
6. An engine feed tank must not exceed 10 gallons capacity.
Fill Pipe
7. (a) A storage tank inside a building must not be filled otherwise than from the open air
through a permanently fixed hard metal fill pipe, the inlet of which must be fitted with a
screwed cap or a valve.
(b) The fill pipe must extend into the tank so that its outlet is within 2 inches of the
bottom of the tank.
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Section A - (contd.)
Fill Pipe (contd.)
(c) A service tank must not be filled otherwise than through a fixed hard metal pipe
that connects a storage tank with the service tank or, alternatively, through a fill pipe that
complies with the requirement of Rules 7 (a), (b).
Vent pipe.
8. (a) Every tank (whether storage tank or service tank) must have a vent pipe. The vent
pipe must not be smaller than the fill pipe and must be fitted with two wire gauge
diaphragms of miners safety lamp mesh.
(b) The lower end of the vent pipe must be fixed to the top of the tank and the upper
end be in the open air at least 15 feet above ground and not within 5 feet of any window
or doorway,nor within 15 feet of any chimney opening.
Overflow Pipe.
9. (a) Any overflow pipe carried outside a building must deliver the liquid fuel into a
catchpit or other safe position and the pipe must terminate in a water seal container at least 12
inches below the surface of the water.
(b) An overflow pipe from a service tank into a storage tank is allowed.
(c) An overflow pipe is not allowed to discharge inside a building.
Anti-syphon Valve.
10. An anti-syphon valve must be fitted in any supply pipe in which liquid fuel could continue
to flow by syphonic action if the valve were absent.
Depth Gauge.
11. Hydrostatic gauges are recommended. Dip rods must not be used except in the case of
tanks in the open air. A float gauge is permitted provided the cord passes through a
small hole fitted with a close fitting gland.
Fire Extinguishing Appliances.
12. Buckets filled with dry sand and/or extinguishers of the carbon tetrachloride or "foam" type
must be provided near the storage tanks, service tanks and furnaces or engines.
EXHAUST.
Not e.
Any engine exhaust pipe should vent into the open air and this pipe and any exhaust box or
silencer should be at least 12 inches clear of combustible material.
Page # 32
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SECTION B.
Definitions and Rules in connection with LIQUID FUEL for internal combustion
Engines using fuel having a flash point below 150F. but not below 73°F.
N.B. 1. - These Rules need not be applied where the maximum quantity of Oil
stored does not exceed 50 gallons.
N. B. 2. - For the purpose only of starting up engines a quantity not eceeding 2

gallons for Fuel having a flash point below 73° Fahrenheit may be kept
in the Engine Room.
Flash point  Every reference to flash point is to a close test.
Storage Tank  A fuel tank having a capacity exceeding 100 gallons.
Service Tank A fuel tank having a capacity not exceeding 100 gallons and not being
an engine feed tank.
Engine Feed Tank A fuel container forming part of an oil engine.
Catchpit (a) A sump or well in the ground immediately beneath a tank and having a
capacity greater than that of the tank.
or
(b) A space enclosed by walls that are incombustible, substantial and oil-
tight and that has a capacity greater than that of the tank therein.
or
Storage Tanks, Service Tanks and engine Feed Tanks.
1. Every Tank must be substantially constructed of steel or of wrought iron and be oil-tight
and vapour-tight except as regards permitted vents. A pin-hole vent is permitted. Any
manhole cover must be tightly fixed by bolts and nuts.
2. Any storage tank that is NOT INSIDE a building must comply with the following : -
(a) It must not be placed on or over the roof of any building.
(b) If it is sunk underground and covered with earth or with concrete it may be within
any distance of a building.
(c) If not sunk underground and covered with earth or with concrete it must be
inside or over a catchpit. It must not be within 20 feet of any building unless an
intervening screen wall is provided. Such screen wall must be of brick work,
masonry or concrete at least 81/2 inches thick and devoid of opening, must be
at least 3 feet higher than the top of the tank and at each end must extend at
least 3 feet beyond the face or side opposed to the building or be retained a
similar distance away from the building.
Page # 33
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SECTION B.
3. If a storage tank is inside a building used exclusively for housing storage tanks it must be
inside over a catchpit and must not be within 20 feet of any other building unless the walls of the
building containing the tank form a screen wall, as described in the preceding Rule.
4. If a storage tank is inside a building otherwise occupied or used,it must be buried in the
earth below the lowest floor and be covered with concrete at least 6 inches thick laid in situ.
Service Tank.
that escaping oil can reach any heated surface. lf more than one, their combined capacity must
not exceed 100 gallons.
Fill Pipe
through a permanently fixed hard metal fill pipe, the inlet of which must be fitted with a
(b) The fill pipe must extend into the tank so that its outlet is within 2 inches of the bottom
of the tank.
(c) A service tank must not be filled otherwise than through a fixed hard metal pipe that
connects a storage tank with the service tank or, alternatively, through a fill pipe that
complies with the requirements of Rules 6 (a), (b).
Outlet pipe.
7. The mouth of the outlet pipe from any tank must not be within 2 inches of the tank bottom.
Vent pipe.
8. (a) Every tank (whether storage tank or service tank) must have a vent pipe. The vent
pipe must not be smaller than the fill pipe and must be fitted with two wire gauge
diaphragms of miners safety lamp mesh.
(b) The lower end of the vent pipe must be fixed to the top of the tank and the upper
end be in the open air at least 10 feet above ground and not within 3 feet of any window
or doorway,nor within 10 feet of any chimney opening.
Overflow Pipe.
9. (a) Any overflow pipe carried outside a building must deliver the liquid oil into a
catchpit or other safe position and the pipe must terminate in a water seal container at least 12
inches below the surface of the water.
(b) An overflow pipe from a service tank into a storage tank is allowed
(c) An overflow pipe is not allowed to discharge inside a building.
Page # 34
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SECTION B - (contd.)
Fire Valve.
10. The pipe conveying the oil to the burners must be fitted with a fire valve placed as close as
possible to the tank. Where a service tank is supplied by gravity from a storage tank there
must be a fire valve placed as close as possible to each tank.
Such valve must be automatically self-closing in case of a fire, normally held open by a
wire cord in tension.
One or more fusible links must be attached to the cord, preferably one over each firing
place.
Anti-Syphon Valve.
11. An anti-syphon valve must be fitted in any supply pipe in which oil could continue to flow
by syphoni6 action if the valve were absent.
Depth Gauge.
12. Glass tubes are not desirable and, if used, must be fitted with a self closing spring valve.
Hydrostatic gauges are recommended. Dip roads must not be used except in the case of
tanks in the open air.
A float gauge is permitted provided the cord passes through a small hole fitted with a
close-fitting gland.
13. Buckets filled with dry sand and/or extinguishers of the carbon tetrachloride or "foam" type
must be provided near the storage tanks, service tanks and furnaces or engines.
NOTE
Flue Construction.
The furnace' flue should be of substantial construction having particular regard to the fact
that the temperature to which the flue would be subjected may be greater than with coal
firing.
Exhaust.
Any engine exhaust pipe should vent into the open air and this pipe and any exhaust box
or silencer should be at least 12 inches clear of combustible material.
SECTION C.
Definitions and Rules in Connection with LIQUID FUEL for internal combustion
Engines using fuel having a flash point not below 150°F
N.B.- 1. These Rules need not be applied where the maximum quantity of oil stored does
not exceed 50 gallons.
N.B.- 2. For the purpose only of starting up engines a quantity not exceeding 2 gallons of fuel
having a flash point below 150° Fahrenheit may be kept in the Engine Room.
Page # 35
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(2) Storage and/or use of Liquid Fuel (Oil or Spirit) — (Contd.)
2 (b) Furnaces and/or Internal Combustion Engines (Contd.)
SECTION C - (Contd.)
Storage Tank: A fuel tank having a capacity exceeding 150 gallons.
Service Tank: A fuel tank having a capacity not exceeding 150 gallons.
Catchpit : (a) A sump or well in the ground immediately beneath a tank and having a
capacity greater than that of the tank,
or
(b) A space enclosed by walls that are incombustible substantial and oil-tight
and that has a capacity greater than that of the tank therein.
or
Tank Chamber: A chamber of fire resisting construction having an incombustible floor having
walls of brickwork masonry or concrete at least 81/2 inches thick or reinforced
concrete at least 6 inches thick and having a roof at least 4 inches thick of
brickwork masonry or concrete. Any doorway in the walls of such chamber to
be fitted with a fireproof door or a plate steel door at least 1/4 inch thick and
the sill of the doorway to be at such a level above the chamber floor as to
provide an oil tight catchpit.
Pipes.
1. All pipes must be of hard metal and be securely fixed. Galvanized metal and cast iron
pipes must not be used.
Storage Tanks and Service Tanks
2. Every tank including any manhole cover must be substantially constructed of steel or of
wrought iron not galvanized. Tanks must be oil-tight and vapour-tight except as regards
permitted vents. Any manhole cover must be tightly fixed by bolts and nuts.
Storage Tanks
3. Any storage tank that is NOT INSIDE a building must comply with the following.
(a) It must not be placed on or over the roof of any building if any other position is
available.
(b) If placed on or over a roof which is not constructed of concrete or of hollow blocks
and concrete, at least 4 inches thick, the tank to be in a catchpit as above defined
with unperforated floor of concrete or hollow blocks and concrete at least 4 inches
thick. Gravity flow from a tank on or over a roof is to be avoided and the outlet pipe
from the tank is to be brought through the top of the tank and be fitted with an anti-
syphon valve and a fire valve.
Page # 36
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SECTION C - (contd.)
Storage Tanks — (contd.)
4. If a storage tank is inside a building not used exclusively for housing storage tanks it must
be located in or below the lowest storey cellar or basement, of such building and be
effectively separated from the remainder of the building by one of the following methods :-
(a) The tank must be buried in the earth below the lowest floor and be covered
with concrete at least 6 inches thick laid in situ.
or
(b) The tank must be inside a tank chamber as defined.
SERVICE TANKS.
that escaping oil can reach any heated surface.
NOTE :- A tank used as a service tank and not exceeding 250 gallons capacity need not comply
with the Rules for Storage Tanks but must be in a catchpit and comply with the Rules for
Service Tanks.
Ventilation of Tank Chamber.
6. Any ventilation trunk between the tank chamber and the open air that passes through any
other part of the building must be of iron or of reinforced concrete and be independent of
any other ventilation trunk. It must not be vented into a chimney or smoke shaft.
Fill Pipe.
and through a permanently fixed fill pipe, the inlet of which must be fitted with a
(b) The fill pipe must extend into the tank and be arranged so as to discharge the oil
horizontally along the side of the tank. It must be carried down not less than 2/3rds
the depth of the tank.
(c) A service that must not be filled otherwise than through a fixed pipe that connects
a storage tank with the service tank or alternatively through a fill pipe that complies
with the requirements of Rules 7(a),(b)•
Outlet Pipe and Sludge Cock.
8. The mouth of the outlet pipe from any storage tank must not be within 3 inches of the
tank bottom.
A sludge cock or other means of removing sludge must be provided at the lowest point of
the tank. Plug cocks must not be used.
Page # 37
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(2) Storage and/or use of Liquid Fuel (Oil or Spirit)
SECTION C - (contd.)
Vent Pipe.
9. (a) Every tank (whether storage tank or service tank) must have a vent of cross- sectional
area pipe not smaller than that of the fill pipe.
(b) The lower end of the vent pipe must be fixed to the top of the tank and the upper end be
in the open air at least 10 feet above the ground and not within 3 feet of any window or
doorway, nor within 10 feet of any chimney opening. The upper end of the vent pipe must
be turned down.
(c) When a vent pipe is fitted with wire gauze it must comprise a double diaphragm wire
gauze of 26 mesh of S.W.G. and be in the form of inverted basket strainers so
proportioned that the total area of ventilation orifices is not less than the cross sectional
area of the vent pipe.
Service Tank Overflow Pipe.
10. An overflow pipe must be fitted to the service Tank and be capable of returning all surplus
oil to the Storage Tank or to a safe position in the open.
Fire Valve
11. The outlet pipe, suction or gravity, from any service tank must fitted with a fire valve.
The outlet pipe, suction or gravity from any storage tank whether for filling a service tank
or for supply to burner apparatus must be fitted with a fire valve, except in the case of a
service tank being filled only by a hand pump from a storage tank and such pump not
being gravity fed.
Each fire valve must be placed as close as possible to its tank and be automatically self-
closing in case of fire. One or more fusible links arranged to break at a temperature not
exceeding 200° F must be provided, preferably one over each firing place.
If an electrically operated valve is used:-
(a) It must be so designed that it can be opened only by hand.
(b) It must close automatically whenever; the electric current ceases to flow.
(c) All fusible links in the circuit supplying it must be in series and on the live lead.
(d) The circuit in which the fusible links from a path for the current to the fire valve
must be a separate final sub-circuit controlled by a switch and by a fuse of not
exceeding 5 amperes capacity, both on the live lead.
Anti Syphon Valve.
12. An anti-syphon value must be fitted near the tank in any supply pipe in which oil could
continue to flow by syphonic action if the valve were absent.
Page # 38
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2 (b) Furnaces and/or Internal Combustion Engines. - (contd.)
Section C. - (contd.)
Oil Level Indicators.
13. Glass gauges should not be used. Hydrostatic gauges are recommended. Dip rods must not
be used except in the case of tanks in the open air. If a float gauge is used the cord should
pass through a small hole fitted with a close-fitting gland.
Electrical and Lighting Arrangements in Tank Chamber.
14. These must consist only of:-
(a) Fixed electric lamps provided with enclosures of certified "Flameproof" type
complying with British Standard Specification for "Flameproof" enclosures for
Electrical Apparatus (No.229-1929) No electric, switch fuse plug, socket or any other
electric device liable to sparking to be fitted inside the tank chamber.
(b) Portable electric torches or portable Davy lamps.
15. Buckets filled with dry sand and/or approved extinguishers of the carbon dioxide, carbon
tetrachloride or "foam" type must be provided near the storage tanks, service tanks and
furnaces.
Not e.
Flue Construction.
The furnace flue should be of substantial construction having particular regard to the fact
that the temperature to which the flue would be subjected may be greater than with coal firing
The flue should be designed and arranged so as to avoid down drafts and pockets where
inflammable gases could accumulate. Suitable cleaning and explosion doors should be provided
Flue dampers should be so constructed or secured that they cannot be fully closed.
Exhaust.
Any engine exhaust pipe should vent into the open air and this pipe and any exhaust box
or silencer should be at least 12 inches clear of combustible material.
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2 (c) Mobile Goods Handling Appliances Powered by Petrol or
Diesel or Petrol/Diesel Engines.
RULES
1. The fuel tank must be permanently attached to the appliance and so placed or guarded
as to minimise the risk of mechanical injury.
2. Flame arrestors must be provided on the induction systems of all petrol motors.
3 The exhaust system must be so designed and located as to prevent discharge of flames
and sparks, discharge of hot gases on to combustible material and the contract of any
part of the system with combustible material. Arrangements must be such that leakage
or spillage of fuel oil or petrol cannot come into contact with any part of the exhaust
system.
4. Filling and emptying of fuel tanks must not be done in any warehouse or factory,or within
20 feet of any storage of combustible material and cans of fuel must not be carried on
the appliance.
5, The use of blow lamps and other arrangements for starting purpose involving the use of
a naked flame, must not be allowed,
6. A master switch must be fitted to disconnect the battery from the electrical system.
7. Each appliance must carry an approved chemical extinguisher of the carbon

tetrachloride or "foam" type.
8. Accumulation of oily deposits on floors must be avoided.
9. Appliances must not be garaged in any warehouse or factory.
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2 (c) Mobile Goods Handling Appliances Powered by Petrol or
Diesel or Petrol/Diesel Engines - (contd.)
RATES.
Extra charges to be levied: - In compliance with Rules Not in compliance with Rules
1. Factory and Godown risk

where fibres are stored or
manipulated:- Per annum on the aggregate
premium
(a) Petrol or Petrol / Diesel 50 paisa per cent per annum.
driven surcharge of 10
percent
(b) Diesel driven 25 paisa per cent per annum.

appliances not Nil
employing petrol
2. In open spaces and

yards where storage is
allowed and in Factory
and Godown risks other
than those in which
fibres are stored or
manipulated including
finished goods
Godowns:-
(a) Petrol or Petrol/ 25 paisa per cent per annum.

Diesel driven a
surcharge of 5 percent
per annum of the
aggregate premium
*b Diesel driven Nil 2 paisa per cent per annum.

appliances not
employing petrol
*The following Warranty to be inserted in all policies in respect of Diesel Driven Appliances
not employing petrol:-
"Warranted that no petrol be used in any mobile goods-handling appliances employed in or

on the premises herein described."
(N.B.- The use of diesel driven cranes and run-about trucks is permitted in yard and open
spaces, where no storage is allowed, without extra charge).
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2(d) Storage of Petrol where Singeing is crried on in the
Finishing Section of a Cotton Mill.
(a) The bulk petrol supply should be in an underground tank or in drums kept in a detached
or separate building, separated by a brick wall at least 9 inches thick passing through
the roof.
(b) The service tank (gravity type)arrangements should be as follows :-
1. The tank should be in the open or in a building detached from the Singe House or
separated therefrom by a brick wall not less than 9 inches thick, passing through
the roof.
2. The capacity of the tank should not exceed 30 gallons.
3. The tank should be filled from the storage tank or drums by a hand pump.
4. The tank should not be an open one but be totally enclosed and provided with an
overflow pipe of greater internal diameter than the fill pipe, capable of returning
spirit to the storage tank in the event of overfilling.
5. The tank should be provided with a level indicator. Gauge glasses should not be
used and if the indicator is of the float and cable type the cable should pass through
a close-fitting bush.
6. A shut-off valve should be fitted, in a readily accessible position, on the feed pipe
from the tank to the vapourising unit.
7. Approved 2 gallon foam type extinguishers should be maintained in the vicinity

of the Singe House.
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3. Wireless Installations.
All installations erected in insured risks for the purpose of reception or transmission of
Wireless Telegraphy or Telephony must conform to the following rules:-
1. The aerial must be protected by lightning arrestor of approved type.
2. When not in use the aerial must be efficiently and directly "earthed" outside the
building and the "earthing" wire from the apparatus taken to an "earth" connection
outside the building.
3. "Earthing" conductors must not be connected to gas pipes.
4. Accumulators having celluloid cases must be enclosed in hard wood or non-

inflammable boxes.
5. All circuits (i.e. aerials and all internal wiring) in connection with battery operated
machines must be so constructed that contact with electric light or power circuits is
impossible.
6. When batteries are charged from lighting or power circuit the wiring arrangement
must be provided with an efficient fuse connection.
7. The ―lead-in" conductor must be of insulated copper not less than No.14-S
W.G. capacity.
8. The "lead-in" conductor must enter the building through a non-combustible non-
absorptive insulating bushing.
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(4) Cinematograph and other Similar Machines.
Warranties.
Warranty to be applied to policies covering Cinemas not provided with special film
store:-
Warranted that Regulations 1-8 (as attached to this Policy) are strictly observed throughout
the currency of this Policy.
N.B. In the case of Cinemas situated in the area formerly controlled by the Calcutta
insurance
Association and insured with Tariff Offices before 1st January, 1939 the
Committee will consider applications for permission to waive regulations
prescribing the construction of the projection and rewinding rooms.
Applications for this permission must be supported by a detailed description of
the risk and state the grounds on which the application is made.
Warranty to be applied to policies covering Cinemas provided with a special film store.
Warranted that Regulations 1-4 (as attached to this policy) are strictly observed throughout
the currency of this Policy.
N.B. In the case of Cinemas situated in the area formerly controlled by the Calcutta
insurance
Association and insured with Tariff Offices before 1st January, 1939 the
Committee will consider applications for permission to waive regulations
prescribing the construction of the projection and rewinding rooms. Applications
for this permission must be supported by a detailed description of the risk and
state the grounds on which the application is made.
Regulations
Part 1 Film Projection and Re-Winding Rooms.
1. CONSTRUCTION.
(a) The projection machine room shall be built outside the auditorium and shall be of
sufficient dimensions to allow the operators to work freely.
(b) It must be substantially constructed of fire-resisting material throughout and any
floor covering must also be fire-resisting.
(c) The wall dividing the room from the auditorium shall be not less than 6" thick.
(d) The entrance must be fitted with a substantial close-fitting, self-closing door
which shall open upwards. In cases other access to the room is by a starcase,
a platform shall be provided at the top which must be of sufficient dimensions to
permit the free handling of fire extinguishing appliances.
2. COMMUNICATION WITH THE AUDITORIUM.
(a) The only opening permissible in the wall dividing the projection room from the
auditorium are the "ports" which shall not be greater in size or more in number than is
necessary for effective projection and observation.
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(4) Cinematograph and other Similar Machines — (Contd.)
Regulation — (Contd.)
Part I - Film Projection and Re-Winding Rooms— (Contd.)
(b) All "port" openings must be fitted with glass windows securely fixed in
incombustible material and in addition, close fitting steel shutters within metal
frames on the machine room side of the wall.
(c) These steel shutters shall be installed in such a way as to enable them to be
released both individually and also simultaneously from a convenient position at
the entrance to the room. They shall be kept closed during all non-working hours.
3. HANDLING OF FILMS.
(a) The re-winding of all films must be done in a separate room which, as regards
construction and communication with the auditorium, shall conform to the fore-
going Regulations. Any communication with the projection room shall be
provided with a close-fitting self-closing iron door or shutter.
(b) No films other than those intended for current programmes shall be kept in the
operating and/or re-winging rooms and when not in use all films must be stored in
closed substantial metal containers. No films whatsoever shall be kept in any other
part of the building to which this insurance applies, except in the film store specially
provided for the purpose (if provided).
4. ELECTRICAL INSTALLATION.
(a) All wiring must be protected by metal conduit and the electrical installation shall
conform in all respects to the Regulation for the electrical equipment of building
issued by the institute of Electrical Engineers.
(b) All switches and fuses (and connections thereto) must be totally enclosed and iron
clad and all electric lamps and resistances so protected as to avoid the possibility
of their coming into contact with films or other combustible materials. Resistances
connected with auditorium or stage lighting shall not be located in the projection or
re-winding room.
(c) The use of flexible conductors shall be permitted only where they are essentia l.
5. VENTILATION
Both the projection and re-winding rooms must have adequate means of ventilation
with sufficient inlets and outlets to ensure a constant supply of air. The inlets and
outlets shall communicate directly with the open air.
6. FIRE EXTINGUISHING APPLIANCES
The following minimum equipment must be installed:
(a) Within each projection and re-winding room.
1. Two 1/2 Gallon 4 Qts. size Special Liquid Chemical Extinguishers.

2. One bucket of sand.
3. An asbestos blanket or an ordinary wet blanket with a bucket of water.
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(4) Cinematograph and other Similar Machines — (Contd.) 01-10-1997
Regulation — (Contd.)
Part I - Film Projection and Re-Winding Rooms— (contd.)
(b) Immediately outside the rooms
Two 1/2 Gallon 4 Qts.size Special Liquid Cheminal Extingushers.
7. GENERAL
(a) There shall be not less than two operators present during an exhibition.
(b) Suitable measures shall be taken to prevent unauthorised persons from obtaining
access to the projection and re-winding rooms.
(c) Smoking within these rooms shall be absolutely forbidden at all times.
(d) The rooms shall be kept clean and tidy and nothing shall be stored in them
[other than as provided for in Para 3 (b) above] except necessary spare
equipment and then only in a steel cabinet.
(e) A key must be retained on the premises so that admission may be gained to the
projection room and re-winding room at all times.
(f) The Card of Regulations issued by the Committee for the purpose shall be framed
and hung in the Projection Room.
N.B. In cases where operators are unable to read English a translation in a language known
to them must also be exhibited.
(g) During the currency of this policy no stage performance involving the use of any
scenery shall be given in the building for which this insurance applies and no
scenery shall be stored anywhere in the building,
Part -II- Auditorium.
8. Provision shall be made for the carrying out of examination of the auditorium for
smouldering matches, tobacco or other material at the close of each day's performance
and signed reports shall be made thereon daily by the employee or employees detailed
for the examination. Such reports to be checked at least weekly by the management.
N.B. Smoking within the auditorium or on the stage of premises situated in Bangladesh
shall be absolutely forbidden at all times.
8.A. EXTRA HAZARDS.
(a) No false ceiling of combustible material (cellotex, compressed paper, card-board
and the like) and/or presence of timber construction in the roof.
(b) No wooden stage and/or Flies.
(c) No framework of seating constructed of wood or other combustible material (i.e.
metal framed seats would not be penalized even although the seat upholstery
may be combustible material).
(d) No balconies of inferior construction like wood or other combustible material,
Part Ill - Film Stores (Forming Part of Cinematograph Theatre Premises)-

(contd.)
9. CONSTRUCTION
(a) The store must be substantially constructed of fire-resisting material throughout and
wherever possible it shall be outside the main building, in no circumstances shall
there be direct communication into the auditorium or into the projection room.
(b) The floor and walls shall be at least 10" thick if of brick work or 6" Thick if of
reinforced concrete and the roof must not be less than 6" thick.
(c) The entrance must be fitted with a substantial close fitting self-closing iron
door opening outward.
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Regulations — (Contd.)
Part Ill - Film Stores (Forming Part of Cinematograph Theatre Premises) —
(contd.)
10. VENTILATION
(a) The store must have adequate means of ventilation, direct to the open air.
(b) All ventilators shall be fitted with metal grids and fine wire mesh netting.
(c) There must be no window- except of a specially approved type fitted with wired glass
and fine wire mesh netting all within steel framework.
11. STOCKS
(a) Each film must be maintained in a closed substantial metal box.
(b) The racks shall be of incombustible material and erected in such a manner as to
permit easy handling of the stocks.
(c) A portion of the store may, provided it is effectively separated from the remainder,
be used for the examination, repairing and re-winding of films. Any communication
between the two compartments shall be protected by a substantial metal door
which must be kept closed during all non-working hours.
12. LIGHTING
(a) All wiring must be of the steel conduit type and the lamps shall be vapour-proof
globes.
(b) No switches shall be installed inside the store.
13. FIRE EXTINGUISHING APPLIANCES,

Two 1/2 gallon of 4 Qts. Size special Liquid Chemical Extinguishers and one bucket of sand
must be installed immediately outside the entrance door.
14. GENERAL
(a) Suitable measures shall be taken to prevent unauthorised persons from obtaining
access to the store.
(b) Smoking in or near the store shall be absolutely forbidden at all times.
(c) The store shall be kept clean and tidy and except as provided for in para II (c) above
shall be used solely for the storage of films.
Part IV- Special Rules applicable only in the case of exhibition extending over one or two
nights in Institutes, Clubs, etc., where it is not practicable to have a fireproof
compartment.
(a) Rule 3 (b) must be complied with and the safety Precautions set out in Rule 7 are
recommended.
(b) A space of 6 feet must be railed off all around the apparatus and in any case no
drapery or unprotected combustible materials other than the floor are to be within 6
feet.
(c) Three buckets of water and a damp blanket must be provided and placed close at
hand. A large sponge must be kept in one of the buckets of water.
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Regulations — (Contd.)
PART V -Rules governing the Storage of Cinematograph Films in Office premises.
DEFINITION- Cinematograph Films means any film, whether exposed or unexposed,

containing Nitro-Celluiose or other nitrated products which is intended for use
in a Cinematograph Camera, Projector or other similar apparatus.
(1) All Cinematograph Films must be kept in metal boxes, each of which must have a
close fitting lid and must not contain more than 1,000 feet of Cinematograph
Film,or one reel of Cinematograph Film whichever is the longer.
(2) Not more than five such boxes may be kept unless they are deposited in a
cupboard entirely constructed of iron or steel at least 1-16th inch in thickness
or in a chamber having walls, floor and ceiling of brick stone or concrete and
having an iron door but in no circumstances shall more than 20 such boxes be
kept. The iron door of such cupboard or chamber must be kept locked at all
times except when opened for the deposit or removal of boxes. Such cupboard
or chamber must not be used for any other purpose than the storage of
Cinematograph Film and must be clearly marked:
" C I N E M ATO G R AP H F I LM "
Danger
When Rule 2 above is not complied with but not more than 20 boxes are stored, the
Tariff extra must be charged.
Where a projector is used or if more than 20 boxes are stored the risks would fall to be
rated under the Tariff provisions relating to Cinematograph buildings.
These Rules are applicable to Office premises only where no repair work rewinding or
exhibition of cinematograph film is carried on.
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5 (a) Artificial Lighting
Section 1 - Electric Lighting

All installations must conform to the wiring rules for Electrical Installations of the Bangladesh
Power Development Board.
The Committee has approved the use of rigid P.V.C. pipes for electrical conduits in domestic
and commercial premises only where the risk of mechanical damage is slight and the ambient
temperature is not likely to fall below 5° F. or where the normal working temperature of the
conduits and fittings may not exceed 140° F. The use of rigid P.V.C. conduits however cannot
be allowed in industrial premises.
5 (b) Rules for Electric Light installations in Raw jute Godowns
situated within the compound of jute Mills.
1. General. These Rules, which are to be read in conjunction with the BPDB Electricity
Rules, apply to the installation of electric light in Rawa Jute Godowns situated
within the compound of Jute Mills and are designed for the purpose of fire
prevention.
2. Nature of supply The supply of electricity must be at low voltage i.e. not exceeding
250 volts.
3. Wiring
(a) All wiring shall be encased in steel conduit throughout the horizontal portions of which
should slope to allow condensed moisture to collect at set places. Where drainage
outlets should be provided. Such outlets to be properly secured against entry of insects
etc.
(b) (i) The cable used shall be not less than 250 volt, grade and shall be of single core,
rubber- insulated taped and braided, not smaller than 3/.029.
(ii) No jointing of cable inside the Godowns is permitted.
(c) (i) The steel conduit used shall class 'B' heavy gauge, solid drawn or welded not less than
5/8ths" diameter and the individual lengths shall be screwed together by means of
threaded steel coupling.
(ii) The conduit shall be affixed to (NOT recessed into) the walls or roofs of the Godowns by
means of saddles of approved design grouted into the walls or roofs, the distance
between any two saddles not to exceed 30".All conduit must be laid externally on the
outside walls or roofs except that required to carry the cables to the light fittings, where
the conduit should be run above stacking height, from the nearest practical points of entry
to the light fittings.
(iii) The conduit fittings shall be of steel or malleable iron castings, galvanised or enameled
and free from internal projections.
(iv) The conduits for each circuit shall be erected complete before any cable is drawn in.
(v) The inside and ends of each length of conduit shall be so reamed and the outlets from the
conduit shall be so bushed as to obviate abrasion of the cables.
(vi) The inner radius of any bend in the conduit shall be not less than 2-1/2 times the
outside diameter of the conduit. Elbows and tees, other than those of the inspection type,
shall not be used except at the end of the conduit immediately behind the light fittings.
(vii) The conduit shall be mechanically and electrically continuous all joints and shall be
effectively earthed.
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5 (b) Rules for Electric Light installations in Raw jute Godowns
situated within the compound of jute Mills — (contd.)
(4) Light Fittings.
(a) Only bulk head light fittings of approved design with C.I. frames of robust
construction, thick bulk head glasses protected by steel wire guards and heavy
gauge screwed conduit entry shall be used. Each fitting shall be capable of housing
at 75 watt. B.0 gas filled bulb.
(b) Each light fitting shall be affixed to the wall or roof not more than 18 ins. below the
roof of the godown. ln the case of sprinklered godowns each light fitting must be
either above the level of the sprinkler heads or not less than 12ins. below that level;
it being understood that in no case must a light fitting be installed lower than 30"
above maximum stacking height.
(5) Switch Control.
(a) All the lights in the godown shall be controlled by one or more double pole
I.C.switch and fuse combined of 10/15 amps capacity, situated outside the godown
in a convenient place and effectively protected from the weather.
(b) An indicator light controlled by this switch (es) shall be provided on the switch panel
to show whether the light inside the godown are on or off when the godown is
closed and locked.
(c) The control switch (es) shall be provided with an adequate locking arrangement to
avoid unauthorised use of lights.
(6) Illumination.
The total wattage of lamps installed in the godown shall not exceed 1.5 watts per
one sq. ft. of floor area. In no case shall the number of light fittings be more than 1
per 200 sq. ft. of floor area.
Section II-Gas or Oil (Portable Vapour or Pressure)

Lamps and Installations.
The rules which must be observed can be obtained from BPDB
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(6) Storage and / or use of Calcium Carbide (Acetylene Gas).
Precautions
The following points must be observed in regard to storage:
(a) That the calcium carbide be kept in strong hermetically sealed metal vessels.
(b) That it be stored only in positions not exposed to moisture.
(c) The building or compartment in which it is placed should be well ventilated to

open air.
(d) Large quantities should only be stored in isolated well ventilated places set apart
for the purpose in which no artificial light or heat is used.
Regulations.
Every package and every receptacle to be conspicuously labelled "Calcium carbide" dangerous
if not kept dry, "with following caution:- "The contents of this package are liable, if brought into
contact with moisture, to give off a highly inflammable gas."
BUILDINGS WHERE SMALL STOCKS ONLY (NOT MORE THAN 28 LBS.) ARE KEPT.
viz.RETAIL SALE PREMISES.
(a) To be kept packed in hermetically sealed metal cans each of capacity not
exceeding 2 lbs. Not more than one package to be opened at a time.
(b) Not to be stored in a cellar but preferably on a floor above the ground level,where
there is less exposure to moisture and where it is not likely to be flooded in the
event of a fire.
WAREHOUSES WHERE LARGER STOCKS ARE KEPT.
Calcium carbide to be kept in strong hermetically sealed metal vessels, each containing not
more than 112 Ibs, which must only be opened for the time necessary for the removal of any
required quantity of calcium carbide or for refilling. Every vessel of a greater capacity than 2
Ibs, should be provided with a lock or placed in a locked receptacle so as to prevent
unauthorised persons gaining access to the contents.
To be kept only in a separate compartment well ventilated to open air in which no artificial
light or heat is used.
LARGE STOCKS
Where calcium carbide is stored in excess 5 cwt. it must be stored in hermetically sealed
metal vessels in a building used exclusively for this purpose. The building must be
thoroughly dry, waterproof, well ventilated, without artificial light or heat and situated at least
25 feet from any other building.
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(7) Electrical Handling Gear.
A. Overhead Travelling Cranes and Runways.
(a) These must be installed strictly in accordance with the current Wiring Rules for
electrical installation of the BPDB.
(b) The controllers must be of the totally enclosed reversing drum type.
(c) All switch gear and fuses must be completely enclosed in iron cases and emergency
switch provided to isolate the crane during inspection, cleaning and repairs.
(d) The motors must be of the totally enclosed type.
(e) All wiring in connection with these machines, other than the bars, copper
collector or trolley wires, must be enclosed in screwed steel conduits in
accordance with the Regulations and Rules referred to above and the b are
collector or trolley wires must also be installed in conformity with those
Regulations and Rules.
(f) All the electrical apparatus must be kept clean and free from dust.
B. Electrical Stackers.
(a) The electric wiring and equipment must be installed strictly in accordance with the
current Wiring Rules which may be obtained from this BPDB. Office but subject to
the following special Rules:-
(b) The fixed wiring throughout the buildings and on the stackers must be enclosed in
screwed steel conduits.
(c) Each wall socket must be separately switch controlled and both switch and
socket must be enclosed in a water-tight iron case or cases. Tile plug and
socket must be of the 3-pin type the third pin being for earthing purposes. The
plug must also be of the head shield type whilst the socket must be provided
with a screwed brass cover and the plug with a screwed brass ring to render the
apparatus water-tight whether the plug is inserted or not.
(d) Inter-locked plugs and switches may be used provided they comply with Rule
B(c) above.
(e) The whole of the screwed steel conduit together with the cases of all switches fuses
and sockets must electrically continuous and efficiently earthed. All conduits must be
screwed into the cases of switches, fuse, sockets and all other fittings and
appliances.
(f) The flexible cable connection to the stacker must be made with approved type
tough rubber compound sheathed trailing cable. The sheathing must have some
additional mechanical protection such as hard-cord braiding. The trailing cable
must contain an earthing core to which all iron cased apparatus on the stacker
and its frame are to be connected and earthed through the plug.
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(8) Motor Vehicles.
1. Steam driven vehicles.
The Rules of the Fire offices Committee (Foreign)to be observed in the case of all steam
driven vehicles housed or taken in buildings for loading or other purposes.
2 Petrol driven vehicles (including cycles)
(a) Garages of other compartments in which vehicles are housed may not be used for
any other purpose and must be well ventilated.
(b) Filling and/or emptying of fuel reservoirs and storage of petrol is not permitted
within garages unless such operation shall have been previously notified and
the appropriate additional premium paid.
(c) No smoking is permitted and no naked light allowed within garages or loading
places as described in para (d) below.
(d) No petrol driven vehicle may be permitted to enter warehouses, godowns or other
buildings in which goods are kept, except to a loading place which has the
whole of the walls and roof of incombustible material. No vehicle may be left
unattended in a loading place or housed therein overnight.
(e) Storage of petrol in garages may not in any circumstances, exceed 40 gallons.
Storage in excess of this quantity must, in all cases, conform to the Rules under
the Indian Petroleum Act VIII of 1899, as adapted for Bangladesh, applicable to
the area in which the petrol is stored.
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(9) Rules Regarding the Charging of Accumulators in
Battery Service Stations.
1. Charging must only be carried on in well ventilated situations and no smoking or naked
lights must be allowed.
2. All wiring from the general source of supply i.e. mains, motor generator or rectifier, to the
charging board or panel must comply with the wiring Rules of the BPDB.
3. Accumulators must stand directly on durable non-ignitable, non-absorbent, non-

conducting material such as glass porcelain or glazed earthenware. These materials must
rest on a bench which must be kept dry and be insulated from earth; if constructed of
wood it must be of slat formation and treated with anti-sulfuric enamel.
4. The accumulators must be so arranged on the bench that a potential difference

exceeding 12 volts shall not exist between adjacent cells. The bunching of accumulators
or arranging them in circular formation is not permitted.
5. All combustible material within a distance of 2 feet measured horizontally from or within 6
feet measured vertically above any accumulators must be protected by hard asbestic
sheets.
6. The Charging circuit must be provided with double pole switches and fuses and,
where a motor generator is employed the motor must be provided with double
switches and fuses and an automatic battery, cut-out must be placed in the generator
circuit. Any sub-circuit, must be provided with a fuse rated at not more than 7 amps in
each live conductor.
7. Charging control panels must be of durable non ignitable, not-absorbent, non-conducting,

material and together with the rectifiers, transformers and supports for resistances of
lamps, should preferably be fixed to a brick or similar wall. If however they are fixed to
wood-work, such wood-work, must be covered with hard asbestic sheets or similar fire
resisting material.
8. If accumulators are charged through resistance coils or lamps, such resistance coils or
lamps must be at least 2 feet from the nearest accumulator.
9. All permanent wiring must be securely run and protected against mechanical injury
and efficient terminals or connections must be supplied from which the connections
to the accumulators can be made. Rubber insulated wiring if on insulators must not
be run in such a position that a fire arising at any accumulator could reach it. All
conductors connecting the supply terminals to the accumulators must have either
rubber or tough compound insulation without tape or braid.
10. 11 the electric supply is taken from mains having one conductor earthed the lamps or
other resistances must be connected on the non-earthed lead and the accumulators
connected direct to the earthed conductor. Precautions must be adopted to prevent the
attendants receiving a shock.
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(9) Rules Regarding the Charging of Accumulators in
Battery Service stations - (Contd.)
11. Celluloid cased accumulators must not be kept on charge at any time without an
attendant.
12. Spring jacks must be used for the final connection to the accumulator terminals.
13. All China or other insulators must be kept clean and free from dust.
14. All casting, conduits, wood or metal-work likely to be effected by acid spray or fumes,
given off by accumulators under charge must be by acid resisting paint, varnish or
compound and all protected exposed current-carrying metal and terminals be coated with
petroleum jelly.
15. An extinguisher of the carbon tetra-chloride type and a bucket of sand must always be
available in a position readily accessible in case of fire.
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(10) SULPHUR STORAGE IN THE OPEN
REGULATIONS.
1. Masonry or concrete bins which may be open at the top end on one side not exceeding
75 feet by 20 feet by 9 feet high are only allowed.
2. Upto 3 bins are permitted adjacent to each other, provided the proximity is along the
shorter side.
3. If a large number of bins are used, then each group of 3 bins or less must be not less
than 75 feet from each other.
4. Handling and/or Conveying Machinery must be electrically earthed as a precaution

against static electricity build-up.
5. No smoking or any other sources of sparks or flames to be allowed in the storage area.
RECOMMENDATIONS
1. The storage bins should, as far as possible be situated not nearer than 50 feet from
buildings; the site selected to be such that there is no gradient towards the buildings.
2. If hydrants are installed around the bins, as is strongly recommended, these must be
fitted with spray or fog nozzles, since a powerful jet on a sulphur fire are liable to cause a
dust explosion.
3. If the sulphur in the bins is to be provided with a protective layer of molten sulphur, the
sulphur should be Melted by steam pipes or other approved safe means
4. If the sulphur is other than uncontaminated natural sulphur, it is recommended that it

should be frequently inspected and its temperature observed.
Page # 56
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RIOT TARIFF
Except as mentioned in the policy forms, endorsements and extension wordings
prescribed herein, this Tariff does not apply to insurances on risks which are or may
subsequently be excluded from the operation of the ordinary Fire Tariff or Tariffs otherwise
applicable to such risks.
The rates under this Tariff apply to all risks rateable thereunder wherever the
insurance is effected. The allowance of a rebate not authorised by the Tariff or the sharing
of commission with the insured, being in effect a reduction of rate, constitutes a breach of
Tariff engagements.
Page # 57
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RIOT TARIFF
GENERAL REGULATIONS.
I. Cover in respect of-
(a) Riot and Strike Damage,
(b) Riot Fire damage,
may be given either by endorsement or by separate policies but only in the forms
prescribed in Annexes A and B on sheets 7-24 of this Tariff.
2. The normal period rates laid down in this Tariff are for any period up to twelve
months except as provided in General Regulations 3, 4 and 5 below.
3. When, in order to secure concurrence with the expiry of other riot or fire
insurances effected by the same insured on the same property it is necessary that
an insurance shall become renewable at a particular date, it is permissible,
notwithstanding the above provision and that contained in general regulation 4, to
grant insurance for initial period of less than twelve months.. at a prorata
proportion of the annual premium, provided that a written undertaking be given by
the insured or his authorised Agent that he will, on the expiration of the short
period, request renewal for not less then the next immediately ensuing twelve
calendar months.
4. As regards insurances for short period the following scale of rates are
applicable.
Not exceeding 3 months ½ the annual rate
Exceeding 3 months but not exceeding 6 months ¾ the annual rate
Exceeding 6 months full annual rate
Note :1. In the case of annual policies on Stocks where there are concurrent insurances
against the hazards of Fire and Riot the calculation of additional or return
premiums under the concurrent Riot insurance consequent upon alteration of the
amount or the expiry date of the Fire insurance is permitted on the basis applicable
to the Fire insurance, subject to the retention of a minimum premium calculated at
a rate of 0.03 percent.
Note:-2 It is permissible where the ordinary Fire Tariff so, provides to grant riot cover on Stocks
on a declaration basis, subject to the same special conditions as for the fire insurance.
5. TRANSFERS TO LOWER, HIGHER OR EQUAL RATED RISKS are
permissible subject to the Rules for Transfers in the Fire Tariff but in any case the
full premium at the higher rate must be paid for the whole period of the insurance in
respect of the Riot risk and no refund be allowed, except in the case of Stocks
where a refund, if any, may be made after applying General Regulation No.4.
6. CANCELLATION: - In no case may any portion of the premium charged for Riot
risks be refunded on cancelment of policy except as provided in Special Condition 04
of the Riot Endorsement.
NOTE:- Except where Apprehensive Period provisions apply, in cases where insurance against
Riot FIRE risks have been taken out and it is desired to replace such insurances by
insurance against Riot and Strike Damage, Offices may exercise their discretion in
issuing fresh policies for 12 months in lieu of those in force and allowing pro-rata
refunds of premium under the latter.
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RIOT TARIFF
GENERAL REGULATIONS (Contd.)
7. BUILDINGS IN COURSE OF ERECTION:- Except where Apprehensive Period
provisions apply, in cases where there are concurrent insurance on a building in
course of erection against the hazards of Fire and Riot any provision applicable, to the
Fire Policy relating to increases or reductions in the Sum Insured or to the calculation
of premium shall notwithstanding General Regulation Nos.4 and 6 apply equally to the
Riot insurance provided the latter be maintained for the same period and amount as
the Fire policy covering the identical property.
In such cases, special condition 10 of the Riot Endorsement or Condition 10 of the Riot
policy should be altered to read :-
"The insurers shall not be liable to repay the premium on this Endorsement/policy or any
part thereof, if the insurance be terminated before its expiry except where the erection of
the property to which the insurance relates shall have been completed."
8. In all cases where not inconsistent with the rules laid down in this Tariff, the General
Conditions, Rules and Regulations of the Fire Tariff shall be held to apply.
9. The following provisions are in force as regards risks situated in Bangladesh
APPREHENSIVE PERIOD:- When labour or other disturbances are imminent or active the Fire
Sectional Committee may declare the normal period Tariff suspended as regards new business
(not renewal of annual policies).as from a date then to be given. ln that event and until otherwise
notified, Corporation/Company will be bound by the following conditions in dealing with
applications for new Riot insurance made during the Apprehensive period:-
1. On a first application for insurance a temporary cover, for a period of one month only,
may be granted at the appropriate rate shown in the Tariff (See sheet 27)
2. On the expiry of the one month temporary Cover, renewal may be effected for further
period of one month at the rate shown in the Tariff (See sheet 27)
3. Refunds of premium are not permissible where an insurance is cancelled at the
request of an insured except that where an insurance for 12 months covering Stocks
only is cancelled to conform to the cancellation of the ordinary Fire insurance
following disposal of the stocks, a return of premium may be allowed in respect of the
unexpired period of the policy on a pro-rata is basis less 10 percent. ln no case,
however, may the refund of premium exceed 50 percent of the original premium.
4. It will be permissible for annual policies written at normal period Tariff rates falling
due for renewal during a declared Apprehensive period to be renewed at the
normal period Tariff rate in force at the time of renewal.
N.B. For the purpose of these Regulations Insurances, On properties which may be acquired after the
declaration of an apprehensive period are not "new business" if the insured concerned has before
the declaration of the Apprehensive period continuously covered all their properties against Riot
and provided also that such covers are in force at the time of such declaration.
10. MALICIOUS DAMAGE AND DETERIORATION OF GOODS EXTENSIONS-It is
permissible under this Tariff to extend the standard cover as follows:-
A. Riot and Strike to include
(a) Malicious damage.
(b) Deterioration of Goods.
B. Riot Fire to include Deterioration of Goods.
PROVIDED THAT
(i) the endorsement wordings prescribed in Annex C on sheets 67 are applied;
(ii) an additional premium at the rate of 20% of Rd & Sd Premium is charged for the
extension of malicious damage and 5% of the R & SD for the extension of
Deterioration of goods.
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RIOT TARIFF
NORMAL PERIOD RATES
For any period not

exceeding 12 months
Not less than Taka
percent net.
Riot and Riot-Fire

Strike Damage
Damage
1. Item - I 0.06 0.02

All non-industrial risk such as residential houses, Schools,
Colleges, Bank and other offices except as mentioned under Item
- II
2. Item – II 0.13 0.11
All industrial risk (big or small), Broadcasting premises,
Television & Radio Stations Cinemas, Theatres Assembly
Room, Dance HalI, Cotton spinning Factories, Cotton in the
open Department stores, Flour Mills, Govt. Offices, Hotels,
Clubs Restaurants, Cafes, Bars, Inns and Traverses, Jute
presses and Godowns, Mining Risks, Motor Garages (other
than private), Petrol filling stations, Motor Workshops and
Motor Vehicles Sale Rooms, Newspaper Offices & Works,
Pawnbrokers, Retail Shops, Rice Mills, Saw Mills and Timber
Yards, Stadiums and Public Sports Grounds, Telegraph
Offices, Telephone Exchanges and Call Boxes, Railway &
Road Transport Properties, Vehicles on the road, Wholesale
premises and godowns used for storage.
3. Exhibitions, Fetes, Fairs, Melas, Meena Bazars – for a period of 0.21 0.21
two months
N.B.:- For an extension upto four weeks, beyond two months,
50% of the above rates should be charged.
Goods in transit (Annual Policies) 0.42
Single Journey 0.01
Annual 0.21
Ruling
All buildings and godowns forming part of a manufacturing risk in its own compound must follow
the appropriate riot classification and rating applicable to the main manufacturing risk.
APPREHENSIVE PERIOD RATES

When the Normal Period Tariff has been suspended, the following rates must be applied as
regards new business in conformity with the conditions laid down in General Regulation No. 9.
Temporary cover for one month . . . . . . Annual rates as shown in the Normal Period Tariff.
Renewals of this temporary cover may be effected at the same rates as above, for periods of
one month at a time during the apprehensive period.
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RIOT TARIFF
ANNEX-A
RIOT AND STRIKE ENDORSEMENT
ENDORSEMENT No EXTENDING THE INSURANCE under Policy No……………………. of the

………………………………………………………………………………………………………. in the
name of …………………………………………………………………………………………….
In consideration of the payment of the after mentioned premium, it is hereby agreed and
declared that notwithstanding anything in the within written Policy contained to the
contrary the insurance under this Policy shall extend to cover Riot and Strike damage
which for the purpose of this Endorsement shall mean (subject always to the Special
Conditions hereinafter contained)
Loss of or damage to the property insured ** directly caused by:-

1. The act of any person taking part together with others in any disturbance of the
public peace (whether in connection with a strike or lock-out or not) not being an
occurrence mentioned in Condition 6 of the Special Conditions hereof.
2. The action of any lawfully constituted authority in suppressing or attempting to
suppress any such disturbance or in minimising the consequences of any such
disturbance.
3. The wilful act of any striker or locked-out worker done in furtherance of a strike or
in resistance to a lockout
4. The action of any lawfully constituted authority in preventing or attempting to
prevent any such act or in minimising the consequences of any such act.
NOTE:- If certain items only of the Policy are to be insured against Riot insert the words "items
…………. of" ……………………………………………………………………….. and "under the
items hereinbefore referred to but none ……………………. Other" at* and** respectively.
SPECIAL CONDITIONS
CONDITION 1.
(i) This insurance does not cover:-

(a) Loss of earnings, loss by delay, loss of market or other consequential or
indirect loss or damage of any kind or description whatsoever.
(b) Loss or damage resulting from total or partial cessation of work or the
retarding or interruption or cessation of any process or operation.
(c) Loss or damage occasioned by permanent or temporary dispossession
resulting from confiscation, commandering or requisition by any lawfully
constituted authority.
(d) Loss or damage occasioned by permanent or temporary dispossession of
any building resulting from the unlawful occupation by any person of such
building.
(e) Loss or damage directly or indirectly caused by or arising from or in
consequence of or contributed to by nuclear weapons material.
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SPECIAL CONDITIONS - (Contd.)
PROVIDED Never the less that the Corporation/Company is not relieved under(c) or (d)
above of any liability to the insured in respect of physical damage to the property insured
occurring before dispossession or during temporary dispossession.
(ii) This insurance does not cover loss or damage directly or indirectly caused by or arising
from or in consequence of or contributed to by ionising radiations or contamination by
radio-activity from any nuclear fuel or from any nuclear waste from the combustion of
nuclear fuel. For the purpose of this condition 5 (ii) only combustion shall include any self
sustaining process of nuclear fission.
CONDITION 2.
This insurance does not cover any loss or damage occasioned by or through or in
consequence directly or indirectly, of any of the following occurrences, namely:-
(a) War, invasion, act of foreign enemy, hostilities or warlike operations (Whether
(b) 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 organisation with activities directed towards the overthrow by force
of the Government dejure or de facto or to the influencing of it by terrorism or
violence.
In any action, suit or other proceeding, where the insurer alleges that by reason of the
provision of this condition any loss or damage is not covered by this insurance, the
burden of proving that such loss or damage is covered shall be upon the insured.
CONDITION 3
Unless otherwise expressly stated in the policy this insurance does not cover: -
(c) Any curiosity or work of art for an amount exceeding Tk. 200/-
(d) Manuscripts, plans, drawings or designs patterns, models or moulds.
(e) Securities, obligations or documents of any kind, stamps, coined or paper

money, cheques, books of account or other business books.
(f) Explosives.
CONDITION 4
This insurance may at any time be terminated by the insurer on that effect being given
to the insured, in which case the insurer shall be liable to pay a rateable proportion of
the premium for the unexpired term from the date of cancelment. lf the insurance be
terminated at the request of the insured the insurer shall not be liable to repay the
premium or any part of its except in so far as the insurance applies to stocks in
respect of which the insurer shall retain a premium calculated according to its
customary short period scale for the time the said insurance has been in force.
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SPECIAL CONDITIONS - (Contd.)
CONDITION 5.
5(a) (Where the fire policy is subject to Average).
If the property hereby insured shall at the breaking out of any fire or at the
commencement of any aestruction of or damage to such property by any other peril
insured against by this Endorsement be collectively of greater value than the sum
insured thereon, then the insured shall be 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.
5(b) (Where the Fire policy is not subject to Average).
In all cases where any other subsisting insurance or insurances, effected by the
insured or by any other person or persons covering any of the property hereby
insured, either exclusively or together with any other property in and subject to the
same risk only, shall be subject to average, the insurance on such property under this
Endorsement shall be subject to average in like manner but in any event the insurer
shall not be liable to pay or contribute in respect of any loss or damage beyond the
proportion which the sum insured by this Endorsement shall bear to the total
insurance, whether effected by the insured or not, on the same property against
ordinary fire loss.
PROVIDED that it is hereby further expressly agreed and declared that :-
The special conditions herein shall apply only to the insurance granted by this extension and
the Conditions of the policy shall apply in all respects to the insurance granted by the policy
as if this Endorsement had not been made thereon.
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RIOT TARIFF
ANNEX B
RIOT FIRE ENDORSEMENT
ENDORSEMENT No EXTENDING THE INSURANCE under Policy No……………………. of the

………………………………………………………………………………………………………. in the
name of …………………………………………………………………………………………….
In consideration of the payment of the after mentioned premium, it is hereby agreed and
declared that notwithstanding anything in the within written Policy contained to the
contrary the insurance under this Policy shall extend to cover Riot Fire damage which
for the purposes of this Endorsement shall mean (subject always to the Special
Conditions hereinafter contained).
Loss of or damage to the property insured **by Fire directly caused by: -
1. The act of any person taking part together with others in any disturbance of the public
peace (whether in connection with a strike or lock-out or not)not being an occurrence
mentioned in Condition 2 of the Special Conditions hereof :-
2. The action of any lawfully constituted authority in suppressing or attempting to suppress

any such disturbance or in minimising the consequences of any such disturbance.
NOTE:-If certain items only of the Policy are to be insured against Riot Fire damage insert the
words "items...of and "under the items hereinbefore referred to but none other" at *and
**respectively.
SPECIAL CONDITIONS
CONDITION 1.
(i) This insurance does not cover:-
(a) Loss or damage occasioned by or through or in consequence of explosion.
(b) Loss by theft during or after the occurrence of a fire.
(c) Loss of earnings, loss by delay, loss of market or other consequential or indirect
loss or damage of any kind or description whatsoever.
(d) Loss or damage resulting from total or partial cessation of work or the retarding or
interruption or cessation of any process or operation.
(e) Loss or damage directly or indirectly caused by or arising from or in consequence of

or contributed to by nuclear weapons material.
(ii) This insurance does not cover loss or damage directly or indirectly caused by or arising
from or inconsequence of or contributed to by ionising radiations or contamination by
radioactivity from any nuclear fuel or from any nuclear waste from the combustion of
nuclear fuel. For the purposes of this Condition I (ii) only combustion shall include any
self sustaining process of nuclear fission.
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RIOT TARIFF
SPECIAL CONDITIONS- (Contd.)
CONDITION 2.
consequence directly or indirectly, of any of the following occurrences, namely:-
(a) War, invasion, act of foreign enemy, hostilities or warlike operations (whether war
be declared or not) civil war.
(b) 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
organisation with activities directed towards the overthrow by force of the
Government de jure or be facto or to the influencing of it by terrorism or
violence.
In any action, suit or other proceeding, where the Corporation/Company alleges that
by reason of the provision of this Condition any loss or damage is not covered by this
insurance, the burden of proving that such loss or damage is covered shall be upon
the insured.
CONDITION 3.
Unless otherwise expressly stated in the Policy this insurance does not cover:-
(c) Any curiosity or work of art for an amount exceeding Tk. 2500/-
(d) Manuscripts, plans, drawings or designs, patterns, models or moulds.
(e) Securities, obligations or documents of any kind, stamps, coined or paper
money, cheques books or account or other business books.
(f) Explosives.
CONDITION 4.
This insurance may at any time be terminated by the Corporation/Company on notice

to that effect being given to the insured, in which case the Corporation/Company shall
be liable to repay a rateable proportion of the premium for the unexpired term from the
date of cancelment. If the insurance be terminated at the request of the insured the
Corporation/Company shall not be liable to repay the premium or any part of it except
in so far as the insurance applies to stocks in respect of which the Corporation/
Company shall retain a premium calculated according to its customary short period
scale for the time the said insurance has been in force.
CONDITION 5.
On the happening of any loss or damage the insured shall forthwith give notice thereof to
the Corporation/Company and shall within 15 days after the loss or damage or such
further time as the Corporation/Company may in writing allow in that behalf, deliver to the
Corporation/Company.
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RIOT TARIFF
SPECIAL CONDITIONS- (Contd.)
(a) a claim in writing for the loss or damage containing as particular an account as
may -be reasonably practicable of all the several articles or items or property
in respect of which the claim is made and of the amount of the loss or damage
thereto respectively, having regard to their value at the time of the loss or
damage, not including profit of any kind.
(b) particulars of all other insurance, if any.
The insured shall also at all times at his own expense produce, procure and give to the
Corporation/Company all such further particulars, plan, plans, specifications, books, vouchers,
invoices, duplicates or copies thereof documents, proofs and information with respect to the
claim and the origin and cause of the fire and the circumstances under which the loss or
damage occurred and any matter touching the liability or the amount of the liability of the
Corporation/Company as may be reasonably required by or on behalf of the Corporation/
Company together with a declaration on oath or in other legal form of the truth of the claim and
of any matters connected therewith.
No claim under this Policy shall be payable unless the terms of this condition have been
complied with.
In any action, suit or other proceeding, the burden of proving that no part of the loss or
damage in respect of which the claim is made was caused otherwise than by fire shall be upon
the insured.
CONDITION 6.
(Where the Fire is not subject to Average).
In all cases where any other subsisting insurance or insurances, effected by the insured
or by any other person or persons covering any of the property hereby insured, either exclusively
or together with any other property in and subject to the same risk only, shall be subject to
average, the insurance on such property under this Endorsement shall be subject to average in
like manner, but in any event the Corporation/Company shall not be liable to pay or contribute in
respect of any loss or damage beyond the proportion which the sum insured by this Endorsement
shall bear to the total insurance, whether effected by the insured or not, on the same property
against ordinary fire loss.
PROVIDED that it is, hereby further expressly agreed and declared that: -
The Special Conditions herein shall apply only to the insurance granted by this extension and
the Conditions of the Policy shall apply in all respects to the insurance granted by the Policy as
if this Endorsement had not been made thereon.
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RIOT TARIFF
ANNEX C.
MALICIOUS DAMAGE
EXTENSION OF RIOT AND STRIKE ENDORSEMENT
Endorsement No. extending the risk of Riot and strike under policy No. . . . . . . . . . . . .
. . . . of the . . . . . . . . (Corporation/Company) in the name of and declared to forming
part thereof as if written or printed thereon.
In consideration of the payment of the after mentioned additional premium, it is hereby

agreed and declared that the insurance under the said Riot and strike Endorsement
shall extend to include MALICIOUS DAMAGE which for the purpose of this extension
shall mean Loss or damage to the property insured directly caused by the malicious act
of any person (Whether or not such act is committed in the course of a disturbance of
the public peace) not being an act amounting to or committed in connection with an
occurrence mentioned in Special Condition No. 2 of the said Riot and Strike
Endorsement.
but the Corporation/Company shall not be liable under the extension for any loss or
damage by Fire or explosion nor for any loss or damage arising out of or in the Course
of burglary, housebreaking, theft or larceny or any attempt thereat or caused by any
person taking part therein.
Provided always that all the Conditions and provisos of the said Riot and Strike
Endorsement shall apply to this extension as if they had been incorporated therein.
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RIOT TARIFF
DETERIORATION OF GOODS
(I) EXTENSION OF RIOT AND STRIKE ENDORSEMENT
(a) COLD STORAGE RISKS
Endorsement No . . . . . . . . . . . extending the risk of Riot and strike under policy No. . . .
. . . . . . of the . . . . . . (Corporation/Company) in the name of . . . . . . and declared to
forming part thereof as if written or printed thereon.

agreed and declared that notwithstanding the provisions of paragraphs (a) and (b) of
Special Condition
No. 1 the insurance under the said Riot and Strike Endorsement shall extend to
include loss of or damage to the goods insured hereunder by deterioration resulting
from damage directly caused by any peril insured against under the said Riot and
Strike Endorsement to plant machinery or
Provided always that all the Conditions and Provisos of the said Riot and Strike
Endorsement . . . . . . . . . . . . (Except insofar as they may be hereby expressly varied),
shall apply to this extension as if they had been incorporation herein.
(b) GENERAL

agreed and declared that notwithstanding the provisions of paragraphs (a) and (b) of
Special Condition No.1 the insurance under the said Riot and Strike
Endorsement shall extend to include loss of or damage to the goods insured against
under the said Riot and Strike Endorsement to plant, machinery or equipment located in
the same premises as the said goods.
Provided always that all the Conditions and Provisos of the said Riot and Strike
Endorsement (Except insofar as they may be hereby expressly varied) shall apply to this
extension as if they had been incorporated herein.
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(ii) EXTENSION OF RIOT FIRE ENDORSEMENT
(a) COLD STORAGE RISKS

In consideration of the payment of the after mentioned additional premium it is hereby

agreed and declared that notwithstanding the provisions of paragraphs (c) and (d) of
Special Condition No. 1 the insurance under the said Riot Fire Endorsement shall
extend to include loss or damage to the goods insured hereunder caused by change of
temperature resulting from damage directly caused by any peril insured against under
the said Riot Fire Endorsement to refrigerating plant, machinery or equipment located in
the same premises as the said goods.
Provided always that all the Conditions and Provisos of the said Riot Fire Endorsement
(Except insofar as they may be hereby expressly varied) shall apply to this extension as
if they had been incorporated herein.
(b) GENERAL

agreed and declared that notwithstanding the provisions of paragraphs (c) and (d) of
Special Condition No.1 the insurance under the said Riot Fire Endorsement shall extend
to include loss or damage to the goods insured hereunder by deterioration resulting from
damage directly caused by any peril insured against under the said Riot Fire
Endorsement to plant, machinery or equipment located in the same as the said goods.
Provided always that all the Condition and Provisos of the said Riot Fire Endorsement
(Except insofar as they may be hereby expressly varied) shall apply to the extension as
if they had been incorporated herein.
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BUILDING REGULATIONS
CLASS - I
Walls Roofs Floors
(a) Burnt, Silica or sand lime bricks set Soorkey, Chunam or Brick, tera cotta, fire
in lime and/or mortar and/or concrete over tiles on clay, stone and/or
concrete. beams and/or rafters of concrete not less than
iron steel only. 5" thick devoid of cavity
and in the case of upper
floors, laid on beams of
iron only.
(b) Stones set in lime and/or mortar Masonry or brick work. Masonry or brick work.
and/or concrete.
(c) Reinforced concrete frame with Tiles properly bonded in Tiles properly bonded in
concrete, cement concrete, cement cement or lime Mortar cement or lime Mortar
and sand stone or burnt brick over steel/ Iron. over steel/ Iron.
panels not less than 4" thick.
N.B. Hollow Clay or Concrete

Blocks not less than 4" in thickness
are permissible in the walls of a
building having a frame work of
reinforced concrete or steel encased
in concrete.
“N.B.1. Building constructed of burnt

brick wall, made of concrete floor
with pre-fabricated Iron/Steel sheet
roofing on iron frame would be of
class-I construction.” However, any
Building entirely constructed with
Pre-fabricated Iron/Steel shall be
classified as Class-II Construction.
(d) Metal covered with tiles

properly bonded in
cement or lime mortar
over steel/Iron.
(e) Corrugated asbestos

cement sheeting
covered with tiles
bonded in cement on
steel or iron frames.
(f) Concrete.
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CLASS - II
Walls Roofs Floors
(a) Burnt, Silica or sand lime bricks or Tiles and/or slates.

stone.
(b) Burnt Bricks not less than 9" in Metal.

thickness and an outside bracing of
timber filled in with brick
(Earthquake protection)
(c) Reinforced concrete frame with Corrugated asbestos

concrete, cement concrete, cement Sheeting
and sand stone or burnt brick
panels not less than 4" thick.
N.B. Hollow Clay or Concrete

Blocks not less than 4" in
thickness are permissible in
the walls of a building having
frame work of reinforced
concrete or steel encased in
concrete.
(d) Hollow Clay or Concrete Block not False celling’s of inflammable

less than 9" (nominal) thick. material or Reed board
(untreated) not permitted.
(e) Reed board (treated) Roof linings of Reed board

(treated) permitted in roofs
or corrugated asbestos or
iron sheeting. The gap
between the inner face of
the Reed board and the roof
not to exceed 2" or the
distance between the roof
purlins and roof sheeting
whichever is the lesser.
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CLASS - III
Walls Roofs Floors
(a) Unburnt bricks or mud. KUTCHA-PUCCA
Tiles, slates, corrugated

asbestos, corroplast sheets
metal and/or shingles.
(b) Dudji or brick nogging. Ordinary construction roofs

lined with grass or reeds.
(c) Metal or asbestos sheeting

over iron or timber frame.
(d) Putcha Bondi i.e. timber

framework the spaces in
which are filled with ekra or
split bamboo and covered
over on both sides with mud
and cement or lime plaster.
(e) Reinforced Concrete

Framework with Reed board,
each side coated with cement
concrete to a minimum
thickness of ½".
Note To qualify for rating

under this section where
walls are built of cement
concreted Reed board,
the regulations applicable
to Ordinary construction
must be complied with in
all other respects.
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CLASS - IV
Walls Roofs Floors
(a) KUTCHA. KUTCHA.
Wood wholly or partially. Tiles, slates, corrugated

asbestos metal and or
shingles.
(b) Ekra, cadjan, derma, mats or Ordinary construction roofs

split bamboo without mud or lined with grass or reeds.
lime coating.
(c) THATCHED. Any other combustible

material except thatch.
Of any construction. Thatch with straw grass or
reeds of any kind.
*For rules regarding composition Roofings see sheet 80 to 82
N.B.1. Except where special provision is made in the Tariffs, Buildings of ordinary Kutcha Pucca
or Kutcha construction having roofs covered with a thin covering of grass, reeds or thatch
to be charged Tk. 0.30 percent in addition to the normal rate applicable or the rate for
the thatched construction whichever is lesser.
N.B.2. For definition of Reed board (treated) see sheet 82 Ruling 10.
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BUILDING REGULATIONS - (Contd.)
PERFECT PARTY WALL.
A Perfect party wall is a solid wall of concrete and/or stone and/or burnt brick properly bonded in
cement, lime or mortar not less than 13" in thickness at any part and carried through and at
least 18” above roof (except as hereafter provided) having no openings therein except such as
are protected by double fireproof doors and/or shutters or such as are used for shafts straps and
steam, gas or water pipes, these openings not being of more than sufficient size for the purpose
and in no case exceeding 4 square feet in area. Any openings in perfect party walls for Air
conditioning Ducts and Ventilation Doors to be protected by double iron or steel shutters not less
than ¼" in thickness arranged to close automatically in the event of fire.
1. North light roofs constructed of corrugated asbestos and/or corrugated iron,

see Fig(1).
(a) Separation by Walls running North-South: The perfect party wall to be continued in a
direct line up to and through the North light Roof to a height of 18" above the highest
point of the Roof. Additionally the wall to be extended to project beyond the glass face
of the North light windows to a minimum distance of 18". The windows immediately
adjoining the wall must conform to the regulations for wired and electro-cooper glazing
for the protection of exposed openings.
(b) Separation by Walls running East-West: The perfect party wall to be continued in a
direct line up to and through the North light Roof to a height of 18" above the highest
point of the Roof.
2. Concrete Shell Conoidal Construction: (Half Elliptical Glass Face) (See Fig 2)
(a) Separation by Walls running North-South: The perfect Party wall to be continued in a
direct line up to and keyed into the Main Structural Beam. The Glass face of the shell
immediately adjoining the Perfect Wall 10' on both sides to conform to the Regulations
for wired and Electro-Copper Glazing for the Protection of Exposed openings.
(b) Separation by Walls running East-west: The perfect party wall to be continued in a
direct line up to and keyed into the Main Structural Beam.All windows either side of the
wall to conform to the Regulations for Wired and Electro copper glazing for the
protection of exposed openings.
3. R. C. C. North light-Pre-Cast Hollow Beams Supported By R.C.C. Framework-

concrete Shell North light (Rectangular Glass Face).(See Fig. 3)
(a) Separation by Walls running North-South: The perfect party wall to be continued in a
direct line up to and keyed into the R.C.C. roof and extended laterally to project through
the glass face to a minimum distance of 18". No gap to be permitted between the metal
frame and the wall. The windows immediately adjoining the wall to conform to the
regulations for Wired and Electro-copper glazing for the protection of exposed openings.
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(b) Separation by Walls running East-west: The perfect party wall to be continued
in a direct line up to and keyed into the Main Structural Beam. No gap permitted
between the main structural beam and the actual roof.
4. Combined Jack Arch and CGA/CGI North light Roofs. (See Fig 4)
(a) Separation by a Wall running North-South: The perfect party wall to be

continued in a direct line up to and keyed into the Jack Arch roof where located
and up to and through the North light roof to a height of 18" above the highest
point and extended laterally to project through the glass face to a minimum of
18". No gap to be permitted between the metal frame and the wall either side.
Windows either side of the wall to conform to the regulations for Wired and
Electro-cooper glazing for the protection of exposed openings.
(b) Separation by a Wall running East-West: A perfect party wall may be taken up
to and keyed into the Jack Arch roof providing the Jack Arch section does not
extend less than 15 feet in width.
Where the Jack Arch width is less than 15 feet, the wall is required to be
taken up and through the roof to a level 18" above the highest point.
5. Saw Tooth-North light (R.C.C. Supported by R.C.C. Framework) (See Fig 5).
(a) Separation by a Wall running North-South: The perfect party wall to be

continued up to and keyed into the underside of the R.C.C. terraced section. The
line of windows running either side of the wall to conform to the regulations for
Wired and Electro-copper glazing for the protection of exposed openings.
(b) Separation by a wall running East - West: The Perfect Party Wail to be
continued up to and keyed into the underside of the R.C.C. terraced section. The
line of windows running either side of the wail to conform to the regulations for
Wired and Electro-copper glazing for'the protection of exposed openings.
6. R.C.C. Terraced with Lantern Lights of R.C.C. (See Fig.6)

Separation by a wall running North-South or East-West.
The perfect party Wall to be continued up to and keyed into the underside of the
terraced section providing a distance of not less than 20" is established between
lantern lights either side of the Perfect Party Wall. The windows running either
side of the wall to conform to the regulations for Wired and Electra-copper
glazing for the protection of exposed openings.
Where a distance of less than 20" only can be established between lantern lights
the windows facing the Perfect Party Wall at the two running sides shall be filled
in with not less than 9" solid cement concrete.
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7. Concrete Shell Barrel Type Construction: (See Fig. 7)
(a) Along the line of the Barrel: The Perfect Party Wall to be continued in a
direct line up to and keyed into the roof. The Glass Face of the shell immediately
adjoining the Perfect Party Wall to conform to the regulations for Wired and El ectro-
copper glazing for the protection of exposed openings.
(b) Across the line of the Barrel: The perfect Party Wall to be continued in a
direct line up to and keyed into the R.C.C. roof.
N.B. The exceptions to the above Rules are as follows:
(1) In the case of fireproof or pucca buildings with wholly terraced roofs, .it is not
necessary that the dividing wall be carried through and above the roof provided it is
properly bonded into the side walls and roof.
(2) in the case of wholly reinforced concrete buildings, a thickness of 9" inches for a
party Wall is deemed sufficient.
Roof constructions other than the above should be submitted to the Committee
8. Adjoining and/or Communicating Buildings and/or Compartments.
Buildings or compartments which adjoin but are not separated by Perfect Party Walls
must be treated as forming one risk, the rate applicable to the most highly rated
building or compartment being applicable to the whole.
Buildings or compartments which communicate with each other must be treated as

forming one risk unless the wall openings are protected by double fireproof doors or
shutters in a Perfect Party Wall or by a passage or gangway built entirely of
incombustible material with a fireproof door at each end.
N.B. 1- In the case of storied buildings (except Cotton Mills) fireproof floors and
ceilings are not deemed to be perfect separation.
N.B. 2-Openings to rope races staircases and hoists may be deemed sufficiently
protected by single fireproof doors.
N.B. 3-Unless otherwise provided in the individual Tariffs, a passage of gangway built
entirely of incombustible material, with at least the upper half of each side open or
completely open on one side will not constitute a "fire communication" if it is not more
than 8 feet wide and not less than 15 ft long and fitted with doors at each end and used
for no other purpose than for traffic to and fro, with storage therein strictly prohibited.
9. Overlooking Buildings: -
Buildings or compartments having windows or openings overlooking the roofs of
adjoining buildings or compartments except roofs of concrete or masonry must not be
treated as separate risks for rating purposes unless the windows or openings are
protected by approved wired glass in metal frames as Prescribed in the Tariff.
N.B. Where the height of the overlooking window above the roof of the adjoining
building or compartment is such that little or no exposure hazard exists or where
the building is of such dimensions as not to prejudice the adjoining building or
compartment, then the matter should be submitted to the committee for
consideration together with plan and elevation of both buildings.
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10. Distances-Separate Buildings: of Classes I and II construction.
Buildings or compartments, having opposing openings within 10 ft. of each other

must not be treated as separate risk for rating purposes unless the openings are
protected by Single Fire Proof Doors or Shutters approved by the Committee.
Buildings or compartments of Class III construction having opposing openings within 20

ft. of each other must not be treated as separate risks for rating purposes, except in the
case of buildings where one of the opposing walls is of brick, stone or cement set in
cement lime or mortar with all openings protected by single fire proof doors or shutters
approved by the Committee.
11. Mixed Construction:
Buildings which are partly of one construction and partly of another must in all
cases be charged the rate applicable to the inferior construction.
N.B. A Varandah, Porch, Bathroom or other small external structure attached to a

building and not exceeding 100 sq. ft. in area may be allowed without extra
charge, unless such external structure has a thatched roof when the rate
chargeable shall be half the sum arrived at by adding together the rates
applicable to the two classes of construction.
12. Open Sheds.
Subject to the provisions in the various Tariffs governing sheds with wholly or partly
open sides, such risks are to be classified according to the construction of the roof and
pillars and/or closed insides.
13. Fireproof Doors and/or Shutters:
1. In every case where fireproof doors and/or shutters are necessary to conform
with Tariff Regulations, these must be automatic in action and be constructed
strictly in accordance with Rules of the Fire Office Committee (Foreign) which
may be seen on application to the Committee.
2. Fireproof doors must always be kept free from any obstruction to the free
movement of the door.
14. In all cases where the higher rate is not charged, although Timber Kucha or
Thatched Buildings are within 50 feet of the buildings described in the policy a
warranty must be inserted in the policy to the effect that the wall(s) facing the higher
rated risk (s) is (are) entirely of burnt brick or stone having no openings therein or
having the windows and openings, if any, protected by iron doors or shutters. Where
this warranty is omitted and the higher rate is not charged warranty must be inserted
in the policy to the effect that no building of Timber, Kucha or Thatched construction
be situated within 50 feet of building described in the policy.
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Wired-Glass & Electro-Copper Glazing for the Protection of Exposed Openings

or Rules adopted by the Committee
WINDOWS AND OTHER WALL OPENINGS

Wired-Glass
1 Thickness of glass Not less than 1/4 inch.
2 Embedded wire netting Not larger than one inch mesh.
3 Size of Squares of glass Not to exceed 400 superficial inches.
4 Sashes and/or frames The sashes and/or frames must be entirely of iron or
other hard metal securely bolted or keyed into the wall.
5 Setting of glass The squares of glass must be set in rebates or grooves

not less than 1/4 inch in width or depth, with due
allowances for expansion and must be secured by hard
metal fastenings to the sashes or frames, independently
of any lead, cement or putty used for weather proof
purposes.
Electro Copper Glazing
1 Thickness of glass Not less than ¼ inch.
2 Size of Squares of glass Not to exceed 16 superficial inches.
3 Sectional lights The squares of glass to be formed by electro – copper

glazing into sectional lights not exceeding four feet
superficial.
4 Sashes and/or frames The sashes and/or frames must be entirely of iron or
other hard metal securely bolted or keyed into the wall.
5 Fixing of Sectional lights The sectional lights must be set in rebates or grooves
not less than ¼ inch in width or depth, with due
allowances for expansion and must be secured by hard
metal fastenings to be sashes or frames independently
of any lead, cement or putty used for weather-proof
purposes.
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BUILDING REGULATIONS - (Contd)
Note:- 1. No window opening or other wall opening exceeding 50 superficial feet. Will be
deemed capable of efficient protection by wired glass or electro-cooper glazing.
2. Hard metal casements not exceeding eight feet superficial, fitted with wired glass
or electro-copper glazing in accordance with the Rules and secured to the frames
by hard metal hinges not more than two feet apart and by fastening at top, center
and bottom allowed.
SKYLIGHT
Wired-Glass
1 Thickness of glass Not less than 1/4 inch.
2 Embedded wire netting Not larger than one inch mesh.
3 Frames and glazing The frame must be continuous and divided by bars
spaced not more than 27 inch centres. The
frames and bars must be of iron or other hard metal and
supported on a curb either of metal or of wood covered
with sheet metal. The glass must be secured by hard
metal fastening to the frame and bars independently of
any lead cement or putty used for weatherproof
purposes.
Note:- No skylights opening exceeding 100 superficial feet will be deemed capable of
efficient protection by wired-glass.
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Composition Roofings.
Composition Roofs: Comprise roofs covered with layers of sheet asphalt, (i.e. paper or felt -
treated with asphalt or bituminous material) cemented together, not less than 1/6 th of an
inch thick and protected externally either by: —
(a) a sheeting of incombustible material at least 1/32nd of an inch thick cemented

thereto or
(b) a coating of small stones or gravel at least half an inch thick embedded in asphalt
or bituminous material.
The roofing material must be built into the walls at the edges or turned over the eaves and any
edges left exposed must be protected by metal covering.
Rating of Composition Roofs.
(a) Composition Roofing, as defined above, may be laid over the roof of a building of,
PUCCA,ORDINARY or KUTCHA PUCCA construction (vide Building Regulations)
without extra charge.
(b) A Composition roof as defined above may replace the hard roof required in the
building Regulations of either ORDINARY or KUTCHA PUCCA construction on
payment of an additional rate of 0.06 Paisa percent.
Classification of certain proprietary roofing
Everite
Lammit
Ferro-Rok
Genasco
Pioneer
Ruberoid
Malthoid Complies with the definition of composition roofings and no other covering
such as defined under (a) or (b) of the definition is necessary.
Ribiath Roof constructed of Riblath, i.e. light expanded metal overlaid with cement
and sand 1 inch in thickness and under laid with lime plaster ½ inch thick
fall to be rated as ordinary construction.
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RULINGS.
1. Building Materials Damaged by Fire Used in Reconstruction - Fireproof or

pucca built premises which are constructed or reconstructed of any materials which
have been through a fire and have consequently become in any way defective, may
not be regarded as 'Fireproof or pucca built' for the purpose of rating without the
approval of the Rating Committee.
2. Silica and Sand Lime Bricks:- These bricks may be treated as being in conformity
with the term 'Burnt Brick'.
3. Use of Celotex and/or Thatch board in the Construction of Buildings- The use of
Celotex and/or Thatch board is permitted under a roof of corrugated iron on a building
entirely of corrugated iron. ln a Class 1 Building, Celotex and/or Thatch board may be
allowed in place of a wooden floor if laid on a fireproof structure without intermediate
space, Celotex and/or Thatch board may also be allowed as the equivalent of timber-
other than hard non-resinous wood-in the same conditions as apply to timber.
4. Sal Wood- For the purpose of classification under the Building Regulations Sal Wood
may be regarded as hard non-resinous wood.
5. Building Classification: Roof and mud on wooden girders and matting- A building of
ordinary construction having a roof of mud laid on matting over wooden girders, if
rateable under the General Tariff, should be classified as class Ill (Kutcha-Pucca).
6 Walls of "Plycrete" and roofs of Corrugated iron and/or Asbestos- Buildings having
walls of "Plycrete" and a roof of corrugated iron and/or asbestos on wooden (hard) frames
must be classified as Kutcha -Pucca for rating purposes.
7. Use of Thermosetting resin, fiberglass reinforced sheets as roof lighting material-

Such material if of an approved type, is permissible for roof lights in roofs -otherwise
entirely of incombustible material of Buildings,not classified as "Fireproof" or "Pucca"
subject to the following conditions:-
(a) the superficial area of any one light not to exceed 40 square feet.
(b) the total superficial area of the sheets not to exceed 10% of the superficial area of
the roof. The following proprietary roof lighting sheets, falling in the above category
have been approved by the Rating Committee ALSYNITE.CASCALITE, FILON,
ROOFLITE, SAROLITE, SAROPAOE AND UNDULITE
Note 1 If the above conditions cannot be complied with, the risks concerned must be rated
as of "Kutcha" construction under the relevant tariff.
Note 2 Buildings classified otherwise as "Fire Proof" or "Pucca" but having roof lighting of
Thermosetting Resin, Fiberglass Reinforced sheets to be submitted to the Rating
Committee for Special Rating.
8. Building Classification: Buildings made wholly from a material known as "Jaxboard

consisting of reeds stapled and bound by wire and coated with cement such
buildings should be classified as Kutcha Pucca.
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RULINGS. — (Contd)
9. USE OF PERSPEX ACRYLIC SHEETS AS ROOF LIGHTING.
(I) Tea factories
Perspex sheets may be permitted as roof lighting material in roofs otherwise entirely of
incombustible material in Tea Estate Factory Buildings, Not classified as "Fireproof' or
"Pucca" subject to the following Conditions:-
(a) The total superficial area of the sheets not to exceed 2% of the superficial area
of the roof; and
(b) the size of the individual roof lights not to exceed 40 square feet.
Note: Tea Estate Factory Buildings classified otherwise as "Fire Proof' or "Pucca" but having
roof lighting of perspex sheeting to be submitted to the Rating Committee for Rating .
(II) Risks rateable under Tariffs other than Tea Factories Tariff
Perspex Sheets may be permitted as roof lighting material in roofs otherwise entirely of
incombustible material of buildings not classified as "Fire Proof or "Pucca" subject to the
following Conditions:-
(a) An additional premium of 10% of the basic premium must be charged.
(b) The total superficial area of Perspex sheets used must not exceed 10% of the
superficial area of the roof; and
(c) The superficial area of any one roof light must not exceed 40 square feet.
Note 1. If the above conditions cannot be complied with, the risks concerned must be rated as
of "Kutcha" construction under the relevant Tariff.
Note 2. Buildings classified otherwise as "Fireproof' or "Pucca" but having roof lighting of
perspex sheeting to be submitted to the Committee for Special rating .
10. REEDBOARD (TREATED).

Where "Reed board (treated)" is referred to elsewhere in these regulations, this shall be
understood to be fabricated of 2" thick reeds bound together 20 S W G galvanised wire
reinforcing wires running transversely to the reeds at not more than 18" centres on each
side and tied together with wire hooks through the reeds at 4" centres. The reeds are
additionally to be plastered on both faces with a coating plaster 1/3 cement and rendering to
give an average total thickness of 3/4" of an inch on each face.
11. CONVEYOR BELT.

A power driven belt conveyor constitutes a means of rapid fire spread and if an
enclosed conveyor belt to be allowed at all. The following conditions should be
observed-
(1) the conveyor, with the exception of the belt and its enclosure to be
entirely of incombustible material.
(2) the belt to terminate to the openings at the buildings at each end, such
openings to be fitted with a fireproof shutter and
(3) an interlocking switch mechanism to be provided in order to
automatically stop the conveyor on the closure of the shutters.
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North light roof with Corrugated asbestos
And/or Corrugated iron covering
Figure - 1
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CONOIDAL SHELL ROOF
(CONCRETE Construction)
Figure – 2
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CONOIDAL SHELL ROOF
(CONCRETE Construction)
Figure – 3
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JACKARCH CGA/CGI/NORTH LIGHT ROOF
Figure – 4
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SAW TOOTH-NORTHLIGHT
(RCC CONSTRUCTION)
Figure – 5
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R.C.C. TERRACED WITH LANTERN LIGHTS
Figure – 6
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BARREL TYPE CONCRETE SHELL
(CONCRETE CONSTRUCTION)
Figure – 7
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FIRE EXTINGUISHING APPLIANCES (FEA) DISCOUNT.
In an attempt to reducing or minimizing loss should a fire occur, insured’s are encouraged to
install various fire fighting equipments at their premises and for this a substantial amount of
premium discount is allowed. This section deals with various pros & cons for such installations
and discounts therefor.
RULES FOR FEA DISCOUNT
The sanction of FEA discount on insurance premium must necessarily follow consideration, by
the Central Rating Committee, of all details of the risk, manufacturing processes involved and the
protective appliances installed in order to ensure that the standards have been fully observed.
With this end in view, definite rules have been laid down as follows for FEA discount entitlement:
1. Application for discounts alongwith the requisite fee must be submitted by the insured
through his insurer on specific forms provided for the purpose by the Authority (as per
Forms prescribed in this section) and must contain the requisite particulars of the
appliances installed.
2. Specification of Appliances:
(a) In the case of sprinkler & hydrant — elaborate plans along with capacity and
situation of the pumping plant, details of valves and details of water supplies will
have to be provided.
(b) In the case of Mobile Fire Engine — elaborate plans along with capacity and
situation of static tanks or rivers adjacent to the factory building, manufacture and
output of Fire Engines will have to be provided. Additionally, the location/site of
Mobile Fire Engines and hose boxes will have to be furnished.
(c) In the case of Internal Appliances — areas of various compartments, their
occupation, quantities and types of appliances will have to be provided.
3. Application for discounts must be submitted by the insurer on specific forms provided for
the purpose by the Authority and must contain the requisite particulars of the appliances
installed.
4. Application relating to discounts for Hand Appliances only need not be accompanied by a
plan of the premises; but the Authority may, at their discretion, call for a plan to be
submitted.
5. No application for discounts can be entertained until the related appliances are complete
in position, ready for use and fully in operation and order. In the event of the installation
being found incomplete or defective, the discount will be withheld (or withdrawn if already
notified) until the defects have been remedied to the satisfaction of the Authority.
6. No allowance may be made for Fire Extinguishing Appliances until notified by the
Authority either by letter or circular and then with effect only from the date specified in
such notification.
7. Installations conforming to the schedule of requirements laid down by the Authority will
receive the appropriate discount.
8. When it is proposed to install appliances not conforming to the standard rules &
regulations and in respect of which discounts will be applied for, it is advisable to obtain
prior sanction from the Authority.
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9. All applications must be accompanied by a cheque for the requisite amount as per scale
of fees. The fees will not be refunded even if the FEA discount is not sanctioned.
10. The FEA discount shall be given on the net fire rate after taking all addition and discounts
into consideration. The FEA discount must not, however, be deducted from the rates
charged for extraneous perils.
11. At the time of renewal of the policies where FEA discounts are allowed, the underwriting
offices must obtain a certificate in writing from the insured to the effect that they have the
fire extinguishing appliances (type of appliances should be mentioned) in their premises
and those are being maintained in efficient working condition and that necessary spares
are readily available in their stock.
After every 3(three) years application for re-inspection of appliances shall have to be
made by the insured through his insurer for further consideration of FEA discount by
Insurance Development & Regulatory Authority (IDRA).
12. Appropriate Forms (FEA-1, FEA-2 & FEA-3) are to be used whilst applying for FEA
discount.
Scale of Fees
1. Hand Appliances and Mobile Fire Engines

In Taka
(a) First Application 2500.00
(b) Revision and Renewal 1000.00
(c) Change of Insurer 1000.00
2. Special Inspection : 10000.00
3. Sprinkler & Hydrant Installation
(a) Sprinkler installation (Application) 5000.00
(b) Hydrant Installation (Application) 3000.00
4. Annual Fees for Jute Premises :
Each Jute Risk 10000.00
5. Annual Fees for Cinemas :
Each Cinema in Dhaka 2000.00
6. Fire-Proof Doors :
A fee of Tk. 5000.00 is payable by the manufacturers of Fire-Proof Doors on
commercial scale for being placed on approved list.
INSPECTION BY THE AUTHORITY
Having received the application from the insured through the insurer alongwith the requisite fee,
the concerned officers of the Authority will inspect the project. After completion of inspection,
they will submit their report to the Authority by explaining the FEA parameters of the project. The
discount on insurance premium of the concerned project will finally be approved by the Authority
in accordance with the recommendations of the Central Rating Committee (CRC).
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FEA (Fire Extinguishing Appliances) SCALE OF DISCOUNTS ALLOWABLE
Hand Appliances Internal
Sprinkle Mobile Fire
Hydrants. Hydrants with
Risks rs. Engines/Fire Buckets Portable
Water/ Manual Fire small bore hose
Extinguishers
Sand Pumps or hose reel
(a) (b) (c) (d) (e) (f)

1. Cotton Mills 52½% 10% 5% 2½ % 2½ % 2½ %
2. Cotton Mills Godowns:
(a) Finished Goods Godowns 30% ’’ ’’ ’’ ’’ ’’
(b) Cotton, fully pressed bales, stacking not more than 12 bales high 20% ’’ ’’ ’’ ’’ ’’
(c) Cotton, fully pressed bales, no restriction on stacking 15% ’’ ’’ ’’ ’’ ’’
3 Cotton Godowns:
(a) Not more than 12 bales high 20% ’’ ’’ ’’ ’’ ’’
(b) No restrictions 15% ’’ ’’ ’’ ’’ ’’
4. Cotton Presses 35% ’’ ’’ ’’ ’’ ’’
5. Cotton Gins & Presses 35% ’’ ’’ ’’ ’’ ’’
6. Godowns in Cotton
Gins & Presses 15% ’’ ’’ ’’ ’’ ’’
7. Jute Mills 40% ’’ ’’ ’’ ’’ ’’
7. A. Jute Mills: Finished Goods Godowns 25% ’’ ’’ ’’ ’’ ’’
8. Jute Godowns 15% ’’ ’’ ’’ ’’ ’’
9. Jute Press Premises 35% ’’ ’’ ’’ ’’ ’’
10. Rice Mills 35% ’’ ’’ ’’ ’’ ’’
11. Rice Mill Godowns 20% ’’ ’’ ’’ ’’ ’’
12. Paper Mills 35% ’’ ’’ ’’ ’’ ’’
13. Paper Godowns 20% ’’ ’’ ’’ ’’ ’’
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Hand Appliances Internal
Sprinkle Mobile Fire
Hydrants. Hydrants with
Risks rs. Engines/Fire Buckets Portable
Water/ Manual Fire small bore hose
Extinguishers
Sand Pumps or hose reel
(a) (b) (c) (d) (e) (f)

14. Woollen or Silk Mills 35% 10% 5% 2½% 2½% 2½%
15. Woollen Godowns 20% ’’ ’’ ’’ ’’ ’’
16. Saw Mills 35% ’’ ’’ ’’ ’’ ’’
17. Saw Godowns 20% ’’ ’’ ’’ ’’ ’’
18. Flour Mills See Note 4
35%
below
19. Tea Factories 35% ’’ 5% ’’ ’’ ’’
20. Tobacco
Factories 30% ’’ ’’ ’’ ’’ ’’
Process Depts.
21. Tobacco
Factory 20% ’’ ’’ ’’ ’’ ’’
Godowns
22. All other Industrial Risks To be specially
Entertained on
application.
23. Warehouses (General) -do-
Note: (1) The discounts for (d), (e) & (f) are cumulative to a Maximum of 5%.
(2) Where (a) & (b) are installed plus any two of (d), (e) & (f) an additional over-riding discount of 7½% may be added, provided that in no case the total discount
shall exceed 70%. Where (a) & (c) are installed plus any two of (d), (e) & (f) an additional over-riding discount of 5% may be added provided that in no case
the total discount shall exceed 65%. Where (a) is installed plus any two of (d), (e) & (f) an additional over-riding discount of 2½% may be added.
(3) (b) & (c) are not cumulative.
(4) In Jute Godown and Jute Press Premises, risk nos. 8 and 9, the entire 5% discount for Hand Appliances may be sanctioned when Buckets have been
installed according to scale and additional Buckets have been provided in substitution of Extinguishers in accordance with N.B. 2.
Page # 93
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FEA WARRANTY CLAUSES
The following FEA Warranty Clauses must be inserted in all policies under which discounts for
appliances are allowed:
(A) SPRINKLERS & HYDRANTS
Warranted that:
The appliances be always maintained in efficient working order and conform to the
schedule filed with the Authority.
(B) PORTABLE MOBILE FIRE ENGINES/PUMPS
Warranted that:
1. Strainers and nozzles be kept clean.
2. The water container be kept free from rust and corrosion and filled with water.
3. Nozzles and hose connections be kept firmly screwed home.
4. Ball valves be kept in free movement.
5. Pumps be tested by use at least once each month.
(C) FIRE BUCKETS
Warranted that:
1. Buckets be inspected at least once each month.
2. Correct water levels be maintained at all times.
3. Defective buckets be replaced immediately.
(D) WATER-TYPE SODA ACID AND GAS EXTINGUISHERS
Warranted that:
1. Extinguishers be kept properly filled up to but not above filling level, all moving parts
be kept free from corrosion and in proper working order and in the event of
discharge, cleaning and recharging be done in accordance with manufacturer’s
instructions.
2. Extinguishers be subjected at last once a year to a thorough examination in

accordance with the specifications laid down by the Authority to ensure proper
operation in the event of use.
3. Extinguisher be tested by discharge once every five years.
4. Turn-over (Open acid bottle) type extinguisher be recharged at least once every two
years.
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(E) FOAM EXTINGUISHERS
i) Chemical Foam
Warranted that:
1. Contents of inner and outer container be maintained at the correct level at all
times
2. Nozzles be kept free from obstruction and all movable parts in working order.
3. Extinguishers be tested by discharge at least once every two years.
ii) Mechanical Foam
Warranted that:
1. Contents be maintained at the correct level at all times.
2. Extinguishers be inspected and the CO2 container checked by weighing at least

once each year.
3. Nozzles be kept free from obstruction and all movable parts in working order.
4. Extinguishers be tested by discharge at least once every five years.
(F) VAPORIZING LIQUID EXTINGUISHERS
Warranted that :
Extinguishers be inspected at monthly intervals and losses from evaporation be made

good.
(G) CARBON DIOXIDE EXTINGUISHERS
Warranted that :
Contents of sealed extinguishers be weighed at least once a year and in the event of
leakage, they be sent for recharging.
(H) DRY POWDER EXTINGUISHERS
Warranted that:
1. Extinguishers be examined at least once a year to ensure that contents are free
from caking.
2. Gas cartridges be weighed once a year and any showing loss of weight be
replaced.
Page # 95
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Form F.E.A. 1
The chairman
Insurance Development & Regulatory Authority
Sadharan Bima Corporation Tower (8th Floor) Date: __________
37/A, Dilkusha C/A, Dhaka
Subject: Application and Guarantee for Fire appliance Discount (Sprinklers).

Dear sir,
(risk situation)
Please sanction, as from the date of receipt by you of this application, a discount of ………….%
for the sprinkler protection installed in the areas listed as follows: -
(The number or letter of each building must be clearly stated)

I/we enclose plan of the risk
I/we certify that to best of my/our knowledge and belief the installation referred to has been
installed in strict accordance with the rules of the committee and i/we also certify that the plan
submitted is drawn up in accordance with the committee’s rules (as detailed) and is correct up to
date.
I/we also certify that a copy of the plan exact in every detail is available for the committee’s use
at the mill (or premises above referred to).
i/we enclose full particulars of the installation.*
Guarantee regarding Fire Extinguishing appliances
In consideration of your granting a discount for the Fire Extinguishing appliances which we have
installed in the ………………………………………………………………………………….. situated
at ……………………………………………. i/we hereby engage ourselves: -
(1) To maintain and upkeep the said appliances in efficient working order and maintain a
trained Fire Brigade to its full number in an efficient state.
(2) To advice the committee and first obtain permission, (through the leading insurers).
Should at any time it be necessary to close down steam or in any way throw the said
appliance out of operation for repairs, overhaul, etc
(3) Not to extend, alter or demolish existing buildings or to erect new building in the
compound of the premises without supplying the committee (through the leading insurers)
with a revised plan or revising the plan filed with the committee.
(4) To keep at the above described premises a copy, exact in every detail, of the plan
supplied to committee, same to be available to the committee’s inspector during the visits
of inspection.
(5) Not to re-number (or re-letter) Building, compartments etc. as recorded on the plan filed
with the committee without advising the committee (through the leading insurers) of such
revision.
I am (we are)
Your’s faithfully
―This form will be supplied on demand and should be completed by the Sprinkler contractors.
Note: All communications to the committee must be through the leading insurers.
This space for the use of the committee only.
Date from which sanctioned minutes of
Reference number
Remarks
Page # 96
01-10-1997
07-05-2019
REQUIREMENTS REGARDING PLANS
A correctly drawn up-to-date plan must accompany the application for a discount for Fire
Extinguishing Appliances and will be filed by and remain the property of the Committee. Proposed
extensions, etc. must not be shown but Buildings in course of construction should be indicated.
Plans must show the entire compound and all buildings therein and should show the
boundary wall.
Plans must show there on the date completed.
Material— Plans must be on white paper or tracing cloth (Blue Print, except in the case of
Sprinkler Blue Prints supplied by sprinkler Contractors, will not be accepted).
Ferro Gallic prints (black lines on while paper) will be accepted, but in such cases Hydrant
Mains, etc. should drawn by a red pen, so that the requisite colour can be applied when the
print is dry.
Size:— The paper upon which plans are drawn or printed must not exceed 28" x 48" and the
minimum size shall not be less than 20" x 24". A clear margin of least 3" shall be left on the
left hand side (the narrow side) of the plan. (This is necessary for filling purposes). If
possible plans should be drawn to a scale of 20'. 40' or 60 to the inch. In the case of very
large compounds, with more than one Mill it is advisable to submit separate plans of each
Mill, with a key plan (on small scale) showing the situation of the various Mills, etc in the
compound.
plans should not be folded or creased, but rolled.
Signs be used — In the preparations of such plans it will be necessary to show clearly the
following details:-
Pacca walls. — This should be drawn in black ink, to scale, doors and windows being
clearly shown. Iron or other Thin Walls should be shown by a thin line.
Party Walls,—Party Walls complying with Committee's requirements should have the letter
"p" alongside or across them at regular intervals.
Roof.— Building with fire proof roofs— (terraced or arched) should be coloured pink, Buildings
with iron roofs.— grey and Buildings with wooden or thatched roofs—yellow.
Fireproof door should be marked as follows:—
SID — Single iron door.
DID — Double iron door.
SAD — Single armoured door.
DAD — Double armoured door.
Fireproof shutters should be marked I. S. or A. S. (Iron shutter or armoured shutter) as the case
may be.
Skylights should be shown to scale and marked "Skylight" or "S. L.".
Water Tanks on Roof should be drawn to scale in blue and hatched with blue lines. Oil
Tanks on Roof should be drawn to scale in black and marked "oil".
Boiler should be shown by a rectangular figure marked "Boiler" in the center
Hydrant Mains should be shown by a red line, the size of pipes being marked 6". 5". 4". etc.
the place where a reduction is made being marked on the line by a cross.
Hydrant Heads to be shown by a red dot not less 1/8 in diameter, double hydrants being shown by
double dots. The letter "H" might be added, (or "DH" where there is a double head) with
advantage.
Cut of Valves should be shown by a cross within a circle.
Suction Piping should be shown in blue.
Fire Pump should be marked "Fire Pump".
Tanks should be shown to scale and average depth of same marked on plan, as well as the
average quantity of water under normal conditions (a) during the dry season (b) during the
rains.
Peels. — At Mills where certain raw materials are usually peeled during a season of the year any
place reserved for such peels must be clearly shown and marked "Peel Site No. ...............‖
Sprinkler Installations. — In the .case of Sprinkler Installations, additional plans must be provided,
showing details. — These are usually prepared by the Sprinkler Contractors and copies are
usually available.
Page # 97
01-10-1997
07-05-2019
Form F.E.A. 2
The chairman
Subject: Application and Guarantee for Fire appliance Discount (Hand).

Dear sir, Dt. ………………………
(risk situation)
Please sanction, as from the date of receipt by you of this application, a discount of
2½% for buckets
5% for extinguishers/mobile fire engines
2½% for portable manual fire pumps
applying to areas as listed.

I/we certify that to best of my/our knowledge and belief the application referred to have been
submitted is drawn up in accordance with the committee’s rules (as detailed on back hereof) and
is correct and up to date.
I/we also certify that a copy of the plan exact in every detail is available for the committee’s
inspector’s use at the mill (or premises above referred to).
Guarantee regarding Fire Extinguishing appliances (Hand)
In consideration of your granting a discount for the Fire Extinguishing appliances detailed on the
reverse which we have installed in the ………………………………………………………………
situated at …………………………………………….
i/we hereby engage ourselves: -
(1) To maintain and upkeep the said appliances in efficient working order where required.
(2) To keep at the above described premises a copy, exact in every detail, of the plan
supplied to the committee, same to be available to the inspector during the time of
inspection.
revision.
I am (we are)
* Delete items not applicable Your’s faithfully
For use of the committee only.
Date received
Remarks
Inspector
Page # 98
01-10-1997
07-05-2019
PARTICULARS OF HAND APPLIANCES INSTALLED
1. Buckets
(a) How many buckets are there and what is the proportion to each 250sq. yds. (2.25sq.ft.)?
(b) Size of buckets. i.e. capacity.
(c) Whose duty it is to see the buckets are kept ⅔ rd full of water?
2. Extinguishers
(a) How many extinguishers are there and what is the proportion to each 250 sq. yds.
(2.25sq.ft.)?
(b) State capacity in gallons/K.g.
(c) How many spare extinguishes
(d) Makers name Brand name Pressure tested to?
3. Portable Manual Fire pumps/Mobile fire engines

(a) How many to each 250 sq/yds (=2.50 sq. feet.)?
(b) Capacity of each in gallons/K.g.
(c) Is each pump capable of throwing a jet through a nozzle of not less than 1/8‖ diameter at
least 30' when operated by one person?
(d) Is each pump substantially constructed with a plunger fitted with piston rings without
leathers?
(e) Are all other working parts of non-corrosive metal?
(f) Is each pump labelled with the name and year of manufacture?
Details of Buckets and/ or Extinguishers and/ or port manual fire pumps.

Department Area in,sq. feet No. of Bucket's No. of No. of port Manual
Extinguishers Fire Pumps
Fire Brigade
(a) How many persons are instructed in the operation of extinguishers?
(b) Is there a staff of men instructed in the operation of extinguisher who will always be
readily available in the event of fire?
(c) Do you maintain a record of training?
(d) How is the alarm raised in the event of fire?
Telephone
Is there a telephonic communication between the Risk and the Local Fire Brigade?
Form to be signed by the owner of the premises.

Signature ........................
Dated
Page # 99
01-10-1997
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Form F.E.A. 3
The chairman
Subject: Application and Guarantee for Fire appliances Discount (Hydrants External) internal.
Dear sir, Dt. ………………………
(situation)
Please sanction, as from the date of receipt by you of this application, a discount of ………..% for
the following extinguishing appliances: -
applying to buildings: - . … . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
(The number or letter of each building must be clearly stated)

I/we certify that to best of my/our knowledge and belief the application referred to have been
submitted is drawn up in accordance with the committee’s rules and is correct and up to date.
I/we also certify that a copy of the plan exact in every detail is available for the committee’s
inspector’s use at the mill (or premises above referred to).
I/we also enclose full particulars of the appliances available toether with either of Guarantee
signed by the Assured.
Guarantee regarding Fire Extinguishing appliances
In consideration of your granting a discount for the Fire Extinguishing appliances detailed on the
attached/signed form which we have installed in the …………………………………
…………………………… situated at ……………………………………………. ……………………..
I/we hereby engage ourselves: -
(1) To maintain and upkeep the said appliances in efficient working order and maintain a
trained fire Brigade to its full number in an efficient state.
(2) To advice the committee and first obtain permission, (through the leading insurers),
should at any time, it be necessary to close down stream or in any way throw the said
appliance out of operation for repairs, overhaul, etc.
(3) Not to extend, alter or demolish existing buildings or to erect new buildings in the
compound of the premises without supplying the committee (through the leading insurers)
with a revised plan or revising the plan filed with the committee.
(4) To keep at the above described premises a copy, exact in every detail of the plan
supplied to the committee’s inspector during his visits of inspection.
revision.
I am (we are)
* Delete items not applicable Your’s faithfully
Page # 100
01-10-1997
07-05-2019
• NOTE: All communications to the Committee must be (through the Leading insurers).
This space for the use of the committee only.

Date from which sanctioned
Reference number
Remarks Minutes of
DETAILS OF FIRE APPLIANCES AVAILABLE AT THE
WATER SUPPLY
1. From what source is the water obtainable for the Fire
Service?
2. If from tanks, give the quantity always available in each, also
slate how replenished.
3. Can they be replenished at all limes of the year and if from a
river, at all states of the tide?
PUMP
1. Is there a special pump for the Hydrant Service? Where is it
located?
2. Is the pump used for any other purposes? If so, mention
them.
3. Maker's name. Age of pump.
4. Type of pump, i.e. Steam or Electrical Diesel, petrol.
Name ......................... Age ..............
5. Number of Rams? Single or Double Acting?
6. Diameter of Steam Cylinders. Water Cylinders
Length of stroke.
Rams ..................... Acting ..............
7. Maker's guaranteed output.
Steam .... Water ................
8. Maximum Steam pressure at which the Pump will work.
Minimum steam Pressure available when main engine is Stroke .................................
stopped.
9. Diameter of Suction. Diameter of Delivery.
10. Length of suction. Maximum depth water has to be raised.
11. Is the Suction. Pipe fitted with a Foot Valve? Strainer?
Maximum.......... Minimum ..............
12. Is the Pump fitted with an air Chamber? Safely Escape
Suction .............. Delivery................
Value? State type or Safely Value. And to what pressure it is
loaded? Length ................ Depth ..................
13. Is there a pressure Gauge close of the Pump? Foot Valve ......... Safety Valve ..........
14. Can the pump supply at one time four effective Fire Streams Type.................. Pressure .................
3
through /4― Nozzles on to the roof of the highest Building?
ELEVATED TANKS
1. Slate height of base front ground level. Also give height of
highest Building from ground level.
2. State capacity in gallons/K.g. and how replenished? Height of Base ................................
3. What quantity of water is reserved wholly for firefighting Height of building ...........................
purposes?
4. How is this achieved?
Page # 101
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HYDRANT MAINS
1. Internal diameter of mains
Internal diameter branches to Hydrants
2. To what pressure have the pipes been tested?
3. State material pipes are made of And describe method
of jointing
4. Are there cut-off valves? Are these valves worked and
oiled regularly?
HYDRANTS
Number of ……………………………
1. State whether single or double outlets. If both
distinguish on plan, state whether above or below
ground.
2. If below ground, are they properly enclosed in surface
boxes? Are the boxes surrounded by brickwork?
3. Are the tops of the boxes raised above ground level?
4. Are there stand pipes?
5. If so have they single or double outlets? Are outlets
instantaneous or screw?
6. Are all the couplings interchangeable?
HOSE
1. What material? And diameter? Material ……… Diameter ………….
2. What pressure is the Hose tested to stand?
3. Total length available. How many lengths? How many
spare hoses are kept in stock?
4. Is all the Hose pipe capable of sustaining full pressure? Total length ……. no of length …….
Spare ………………………………….
5. Where is the Hose kept?
6. Are there boxes near each Hydrant in which a supply of
Hose and Nozzles is kept ready for immediate use?
State supply in each box and nozzles are there?
7. How many branch pipes and nozzles are there?
Number ………… Diameter …………
8. What means are used for drying the Hose after use?
FIRE ESCAPES
1. Is the risk (if stored one) fitted with outside staircases?
How many? Iron or Masonry?
2. Are Hydrants attached on each landing with Hose
Branch pipe and Nozzle in a box ready for use?
3. If enclosed masonry staircases; do the walls extend to
the roof?
NIGHT WATCHMAN
1. Are means employed to ensure night watchmen going
round the risk at intervals?
Page # 102
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FIRE BRIGADE
1. Is there a staff of men drilled in the use of the

Extinguishing Appliances? State number of men.
2. State the number of Assistants residing on the Premises.
3. How many are told off or fire duty each week.
4. Is there a master book kept for Fire Drills?
5. How is the Fire Alarm given to the Brigade?
TESTING APPLLIANCES
1. Are the Pumps Hydrants and Hose-tested-regularly?
2. Whose duty is it to attend to this?
3. If defects are founds, is there a record kept of same?
TELEPHONE
1. Is there a telephonic communication between die Risk

and Head Office or Exchange?
Signature ..............................................
(Form to be signed by the Owner of the Premises)
Dated ......................
Page # 103
01-10-1997
07-05-2019
REQUIREMENTS REGARDING PLANS
A correctly drawn up-to-date plan must accompany the application for a discount for Fire
Extinguishing Appliances and will be filed by and remain the property of the Committee. Proposed
extensions, etc. must not be shown but Buildings in course of construction should be indicated.
Plans must show the entire compound and all buildings therein and should show the
boundary wall.
Plans must show there on the date completed.
Material— Plans must be on white paper or tracing cloth (Blue Print, except in the case of
Sprinkler Blue Prints supplied by sprinkler Contractors, will not be accepted).
Ferro Gallic prints (black lines on while paper) will be accepted, but in such cases Hydrant
Mains, etc. should drawn by a red pen, so that the requisite colour can be applied when the
print is dry.
Size:— The paper upon which plans are drawn or printed must not exceed 28" x 48" and the
minimum size shall not be less than 20" x 24". A clear margin of least 3" shall be left on the
left hand side (the narrow side) of the plan. (This is necessary for filling purposes). If
possible plans should be drawn to a scale of 20'. 40' or 60 to the inch. In the case of very
large compounds, with more than one Mill it is advisable to submit separate plans of each
Mill, with a key plan (on small scale) showing the situation of the various Mills, etc in the
compound.
plans should not be folded or creased, but rolled.
Signs be used — In the preparations of such plans it will be necessary to show clearly the
following details:-
Pacca walls. — This should be drawn in black ink, to scale, doors and windows being
clearly shown. Iron or other Thin Walls should be shown by a thin line.
Party Walls,—Party Walls complying with Committee's requirements should have the letter
"p" alongside or across them at regular intervals.
Roof.— Building with fire proof roofs— (terraced or arched) should be coloured pink, Buildings
with iron roofs.— grey and Buildings with wooden or thatched roofs—yellow.
Fireproof door should be marked as follows:—
SID — Single iron door.
DID — Double iron door.
SAD — Single armoured door.
DAD — Double armoured door.
Fireproof shutters should be marked I. S. or A. S. (Iron shutter or armoured shutter) as the case
may be.
Skylights should be shown to scale and marked "Skylight" or "S. L.".
Water Tanks on Roof should be drawn to scale in blue and hatched with blue lines. Oil
Tanks on Roof should be drawn to scale in black and marked "oil".
Boiler should be shown by a rectangular figure marked "Boiler" in the center
Hydrant Mains should be shown by a red line, the size of pipes being marked 6". 5". 4". etc.
the place where a reduction is made being marked on the line by a cross.
Hydrant Heads to be shown by a red dot not less 1/8 in diameter, double hydrants being shown by
double dots. The letter "H" might be added, (or "DH" where there is a double head) with
advantage.
Cut of Valves should be shown by a cross within a circle.
Suction Piping should be shown in blue.
Fire Pump should be marked "Fire Pump".
Tanks should be shown to scale and average depth of same marked on plan, as well as the
average quantity of water under normal conditions (a) during the dry season (b) during the
rains.
Peels — At Mills where certain raw materials are usually peeled during a season of the year any
place reserved for such peels must be clearly shown and marked "Peel Site No. ...............‖
Sprinkler Installations — In the .case of Sprinkler Installations, additional plans must be provided,
showing details — These are usually prepared by the Sprinkler Contractors and copies are
usually available.
Page # 104
01-10-1997
07-05-2019
Territorial limit of Dhaka city map
Page # 105
01-10-1997
07-05-2019
GENERAL TARIFF.
Applicable to all buildings and their contents situate anywhere in this Corporation's/Company's
territory excluding those rateable under special tariffs.
The rates in the column headed Mofussil will apply to all such risks situate in Bangladesh
except Dhaka.
C O N S T R U C T I O N & R AT I N G
See Building Regulations.
Class I Pucca Class I rates.
Class II Ordinary Class II rates.
Class III Kutcha-pucca Class III rates.
Class IV Kutcha or Thatched Class III rates plus 100% loading.
TE RRI TO RI AL LI M I T O F DH AK A CI TY
North Konabari/BSCIC Industrial Area/Safipur/Gazipur.
South Jinjira/Keranigonj.
East East Bank of Sitalakya/Kachpur /Taraboo/Norsingdi/Daudkandi bridge.
West Savar/EPZ/Dhamrai/Nabinagar and upto Manikgonj Town.
Page # 106
01-10-1997
07-05-2019
GENERAL TARIFF—(Contd.)
N.B.1. Buildings of Ordinary, Kutcha Pucca,or Kutcha Construction having roofs

covered with a thin covering of grass, reeds or thatch to be charged Tk 0.03
Percent in addition to the normal rate applicable or the rate for thatched
construction whichever is the less.
Page # 107
01-10-1997
07-05-2019
SPECIAL CONDITIONS
Floating Policies: - Where not inconsistent with General Rule No.24 floating
policies covering not more than three specified risks may be issued at a rate of 25
percent higher than the highest rate applicable to any one of them. If covering
more than three specified risks, then at a rate 50 percent higher rate applicable to
any one of them.
2. The foregoing additional charges are not applicable in the case of Policies covering in
one amount the contents of more than one godown and/or stocks in the open
provided all the risks covered by the policy (ies) are located in the same compound
and are in the sole occupation of the insured and the highest rate applicable to any of
the godowns and/or stocks in the open is charged.
Page # 108
01-10-1997
07-05-2019
GENERAL TARIFF — (Contd.)
W ARRANTIES
Warehouses & Godowns:-
A. Warranted that, during the currency of this policy no goods other than piece
goods, umbrellas, umbrella fitting, yarns and/or twist and all textile fabrics in
bales and/or cases and/or metals in blocks, slabs or otherwise
unmanufactured and/or ores, be stored in the building (s) to which this
insurance applies.
Pieces and parcels of old iron and other metals which can no longer be used
as manufactured goods and are to be melted and worked up again, may be
deemed to be and be rated as "Metals in blocks or slabs." Tin and Terne
Plates and sheets are not to be deemed unmanufactured metals.
B. Warranted that, during the currency of this policy, neither hazardous

goods be stored nor hazardous trade or process be carried on in the
building (s) to which this insurance applies.
C. Warranted that, during the currency of this policy, no cotton and other
vegetable fiber in other than fully pressed bales, jute, coir, celluloid or
celluloid goods or inflammable liquid having a flash point below 150° F.
(Close test) or kerosene, be stored in the building (s) to which this insurance
applies.
Shops & Stores whether whole sales &/or Retail premises
D. Warranted that, during the currency of this policy, no hazardous goods

be contained in the building(s) to which this insurance applies.
The presence of hazardous goods not exceeding 1% of the total value of

the stock (or in the case of a building embracing a number of retail
shops, not exceeding 1 % of the value of the stock in each shop) shall
not be deemed a breach of this warranty provided that the 1% allowance
shall in no instance include more than six gallons of petrol or other
volatile spirit.
E. Warranted that, during the currency of this policy, no inflammable liquid

having a flash point below 150° F. (close test) or kerosene be contained
in the building(s) to which this insurance applies or in any building(s)
communicating therewith. The presence of such inflammable liquid or
kerosene not exceeding 1% of the total value of the stock (or, in the case
of building embracing a number of retail shops, not exceeding 1% of the
value of the stock in each shop) shall not be deemed a breach of this
warranty provided that the 1% allowance shall in no instance exceed six
gallons.
F. Warranted that, during the currency of this policy, no inflammable liquid

having a flash point below 150° F. (close test) or kerosene be stored in
excess of forty gallons which quantity must always be kept in properly closed
tins.
Page # 109
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07-05-2019
GENERAL TARIFF —(Contd.)
W ARRANTIES
Domestic G. Warranted that, during the currency of this policy, no portion of

premises & the premises herein described, be used for the manufacture or the
the like deposit of merchandise.
H. Warranted that, during the currency of this policy, the said stove
and/or fireplace be securely set in masonry or concrete and
protected by a metal fender, the flue or chimney being of pucca or
iron construction and free from contact with wood work
Silent risks I. Warranted that during the currency of this policy, the said
premises are silent, no part of the machinery being used for the
purpose of manufacture, all raw material, st ock-in-process and
finished goods being removed from the premises to which this
insurance applies.
Motor garages, J. Warranted that, during the currency of this policy, no cleaning of
workshops etc. automobile parts by petrol spraying be done on the premises to which
this insurance applies.
K. Warranted that, during the currency of this policy, no repair to vehicle or

vehicle parts or filling and/or emptying of fuel tanks be done and that no
petrol be stored either in the vehicles or on the premises to which this
insurance applies.
L. Warranted that, during the currency of this policy, no repairs to

vehicle or vehicle parts or filling and/or emptying of fuel tanks be done
and that no petrol be stored on the premises to which this insurance
applies except that contained in the fuel tank on each vehicle.
M. Warranted that, during the currency of this policy, no petrol be stored on

the premises to which this insurance applies except that contained in the
fuel tank on each vehicle.
N. Warranted that, during the currency of this policy, not more than
eight gallons of petrol be stored on the premises to which this
insurance applies in addition to that contained in the fuel tank of
each vehicle.
O. Warranted that, during the currency of this policy, not more than
forty gallons of petrol be stored on the premises to which this
insurance applies in addition to that contained in fuel tank of each
vehicle.
Motor dealers P. Warranted that, during the currency of this policy, no repairs to vehicle or
premises vehicle parts or filling and/or emptying of fuel tanks be done and that no
petrol in excess of six gallons in tins be stored on the premises to which
this insurance applies except in an underground tank fitted with an
approved delivery system.
Page # 110
01-10-1997
07-05-2019
Q. Warranted that, during the currency of this policy, no repairs to vehicle or

vehicle parts or filling and/or emptying of fuel tanks be done and that
not more than forty gallons of petrol in tins be stored on the premises
to which this insurance applies.
Plastic goods R. Warranted that, during the currency of this policy, no raw materials other
manufacturers than nylon, phenol formaldehyde, cresol formaldehyde, urea
formaldehyde and melamine. Formaldehyde polyvinyl chloride,
polyvinyl acetate and phenol furfural, be used.
S. Warranted that, during the currency of this policy, no raw materials

other than nylon, phenol formaldehyde, cresol formaldehyde, urea
formaldehyde, melamine formaldehyde polyvinyl chloride, polyvinyl
acetate, phenol furfural polystyrene polythene, methyl methacrylate,
cellulose acetate, cellulose acetate butyrate, polyvinyl butyrate,
ethyl cellulose and cellulose propionate, be used.
T. Warranted that, during the currency of this policy, no plastic materials

having a nitrocellulose base be used.
U. Warranted that, during the currency of this policy, no solvents and/or

accelerators having a flash point below 150°F (Close test), be used or
stored on the premises to which this insurance applies.
The presence of solvent Liquids, having a flash point below 150°F

(Close test) not exceeding 4 gallons shall not be deemed a breach of the
warranty.
V. Warranted that no buffing, grinding, cutting and/or finishing

process(es) involving any of these operations is/are carried on, unless
a dust extraction plant is installed and maintained in an efficient
condition and is in use at all times when the factory is in operation.
I NDUS TRI AL AN D/ O R M AN UF AC TURI N G RI SKS.
Electric light W. Warranted that, during the currency of this policy. no process of
manufacture be carried on by artificial light, other than electric light.
Page # 111
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07-05-2019
WARRANTIES
Petroleum PA It is warranted that no mineral or rock oils or liquid products or

Installations mixtures thereof giving off an inflammable vapour below 150° Farh.
(Close test) shall during the currency of this policy be stored or
deposited in or within 50 feet of any building, tank, barrels, tins or
drums insured or the contents of which are insured hereby
PB It is warranted that no mineral or rock oils or liquid products or mixtures

thereof giving off an inflammable vapour below 73° Farh. (Close test)
shall during the currency of this policy be stored or deposited in any
building or tank insured or the contents of which are insured hereby,
nor shall any quantity exceeding 1,000 gallons of such oils or liquid
products or mixtures thereof be stored or deposited within 50 feet of
any property or stock insured hereby.
Page # 112
01-10-1997
07-05-2019
SECTION 1.
Not less than Tk. percent per annum
Rates for Building and/or their Contents. Dhaka Mofussil
Class Class Class Class Class Class

I II III I II III
1. Private dwelling houses, boarding, houses, 0.06 0.09 0.17 0.08 0.16 0.25
places of worships, schools, colleges,
hospitals, museums, banks, public
buildings used as offices and meeting
rooms, offices, staff canteens, detached
club chambers and hostels used in
connection with churches, schools,
colleges, universities and ,hospitals
warranty G.
N.B.1—See N.B. following item 2
N.B.2— The rates quoted under this item may

also be applied to garages forming part
of or situate in the compounds of the
above risks subject to observance of
Warranty 'M'
2. Clubs, Assembly or Club Rooms, Institutes

and Auxiliary Force Headquarters.
N.B- All risks rateable under items 1 & 2

having wooden stair cases and/or
wooden floors to the upper storeys
but which otherwise conform to the
definition of fireproof or pucca
construction may be rated under
Class 1.
(a) Warranted that no theatrical,

cinematograph or other similar 0.06 0.09 0.17 0.08 0.16 0.25
performances are given.
(b) Warranted that cinematograph

performances are not given on more 0.17 0.21 0.30 0.20 0.30 0.46
than 30 days in a year. Occasional
theatrical performances allowed.
Page # 113
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07-05-2019
SECTION 1.

I II III I II III
(c) Allowing cinematograph

performances on more than 30 days
in a year. Occasional theatrical
performances allowed.
i) With warranty that the rules of the

corporation/company relating to 0.28 0.36 0.53 0.33 0.42 0.59
cinematograph machines are
adhered to.
ii) Without warranty 0.32 0.40 0.57 0.38 0.47 0.64
Note- If cinematograph performances are given

on more than 60 days in a year the risk
must be submitted to the Committee for
rating.
3. Hotels, Restaurants and mess-houses. 0.15 0.17 0.26 0.18 0.26 0.43
4. Warehouses and godowns in private of

public occupation, unless specially rated
under Section 3
(a) With warranty A 0.09 0.11 0.19 0.10 0.19 0.27
(b) With warranty B 0.11 0.13 0.21 0.13 0.21 0.30
(c) With warranty C 0.25 0.34 0.51 0.31 0.39 0.56
(d) Without warranty 0.51 0.60 0.77 0.61 0.70 1.04

If matches are stored in excess of one gross,
the warranty for storage of matches in godowns
appearing under the item "Match godowns" on
sheet 18 of the General Tariff must be applied,
If Fireworks are stored the risk must be rated
at the highest rates applicable i.e. as if without
any warranty. Storage must be in accordance
with the Rules made by the Government under
the Indian Explosives Act as adapted for
Bangladesh.
N.B-Warehouses containing cotton, jute, coir
or other vegetable fiber are rated under separate
tariffs.
Page # 114
01-10-1997
07-05-2019
SECTION 1.

I II III I II III
5. shops and stores, whether wholesale

or retail, i.e. where any article is
exposed for sale unless specially rated
under section 3
(e) With warranty D 0.15 0.17 0.26 0.18 0.26 0.43
(f) With warranty E 0.30 0.38 0.55 0.36 0.44 0.61
(g) With warranty F 0.45 0.53 0.70 0.54 0.62 0.79
(h) Without warranty 0.72 0.81 1.15 0.87 0.95 1.29
If Fireworks are stored the risk must be

rated at the highest rates applicable i.e. as if
without any warranty. Storage must be in
accordance with the Rules made by the
Government under the Indian Explosives Act
as adapted for Bangladesh.
Page # 115
01-10-1997
07-05-2019
SECTION 3.

I II III I II III
Aerated Water Factories 0.13 0.15 0.23 0.15 0.24 0.41

Aircraft Hangers °-
Buildings and/or compartments in single
occupancy used for housing Commercial 0.17 0.21 0.30 0.20 0.29 0.46
Aircraft and/or Aircraft owned by Flying
Club and/or privately owned Aircraft
excluding Aircraft on the ground in the
open (allowing adjustment and running
repairs).
Warranted that all oily or greasy Waste
cloths be kept in metal receptacles and
removed, from the buildings at least once
every 24 hours and all sawdust, shaving
and other refuse to be removed at least
once every 24 hours from the Building or
Buildings in which wood-working is done
and from all Buildings communicating
therewith and that smoking or cooking be
strictly prohibited except in places
specially set apart for such purposes.
N.B.-1 Premises as above described
with metal framework, having roofs
of corrugated iron or asbestos or
tiles and walls of brick or corrugated
iron or asbestos and/or partly or
wholly opensided, may be rated
under Class 1.
N.B.-2 For multiple occupations adds 25
percent after inclusion of additional
rate where applicable.
Additional Rates
(a) If there be Motor Spirit other than in
the reservoirs of Aircraft or in under- 0.13 0.15
ground tanks & if filling or emptying of
tanks of Aircraft be done.
(b) If Flare lights or very pistol cartridges 0.17 0.20
or cellulose solution (other than
quantities required for immediate
consumption) be stored.
Page # 116
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07-05-2019
SECTION 3.

I II III I II III
(c) If lighting by other than electric 0.04 0.05

lights
(d) If Engine testing or any running 0.04 0.05
of Aircraft Engines be done.
Analytical Laboratories, 0.21 0.26 0.43 0.26 0.34 0.51
Atta and cereal grinding premises:-
hand power only, with warranty that no 0.13 0.15 0.23 0.15 0.24 0.41
other process is carried on,
Auctioneer's Store and/or Sale Rooms. 0.21 0.26 0.43 0.26 0.34 0.51
Backeries, 0.17 0.21 0.30 0.20 0.29 0.46
Batteries Service stations:-
(a) Warranted that the charging of all
batteries is carried out in
accordance with the BPDB's rule
(b) Without warranty 0.17 0.21 0.30 0.20 0.29 0.46
Booksellers and stationer's shop 0.32 0.40 0.57 0.38 0.47 0.64
(a) Where printing and/or book 0.13 0.15

0.15 0.23 0.24 0.41
binding is done by hand.
(b) Where no printing or book binding is (Rate as shop section 1)
carried out.
(Rate as printers)
(c) Where printing and/or book binding
is done by power.
Boot, shoe & other Leather
Goods Factories (hand power only)
Camphor Boiling Premises. 0.32 0.40 0.57 0.38
Candle Factories
(a) Hand-power with warranty that no 0.21 0.26 0.43 0.26 0.34 0.51
boiling process carried on.
(b) other than hand power.
0.32 0.40 0.57 0.38 0.47 0.64
Page # 117
01-10-1997
07-05-2019
SECTION 3.

I II III I II III
Carpenter's Workshops and/or Furniture

makers.
(a) Hand-power only (with warranty that 0.21 0.26 0.43 0.26 0.34 0.51
no polishing, varnishing, painting or
upholstering is carried on).
(b) hand-power only (without 0.32 0.40 0.57 0.38 0.47 0.64
warranty)
(c) Other than hand power (with warranty 0.36 0.45 0.62 0.43 0.52 0.69
that no polishing, varnishing, painting
or upholstering is carried on).
(d) ot her t han hand power ( wit hout 0.49 0.57 0.74 0.59 0.67 1.01
warranty).
Carpet Factories (hand power only) 0.19 0.23 0.40 0.23 0.31 0.48
0.11 0.21 -- 0.11 0.21 ----
Cash jewellery and Ornaments in Bank
only- In Safe and Cash on Counter.
0.45 0.53 0.70 0.54 0.62 0.79
Chemist's Shops-
Cinematograph Theatres.
0.66
Warranted subject to the Rules of the 0.34 0.43 0.60 0.41 0.49
govt. regarding the use of Cinematograph
and other similar machines.
NOTE:-If only safety films are exhibited in the
Cinema a reduction of Tk. 1.80 percent
from the basic rate is permissible subject
to the warranty that only safety films
having a cellulose acetate base are
exhibited and/or stored on the premises
being inserted on the face of the policy.
Additional Rates for Warranties not 1(a) 0.04 0.04 0.04 0.05 0.05 0.05
complied with Construction (b) 0.09 0.09 0.09 0.10 0.10 0.10
N.B.- Above additional rates are (c) 0.09 0.09 0.09 0.10 0.10 0.10
cumulative upto a maximum of Tk. 0.26
(Dhaka) and Tk. 0.31 (Mofussil) (d) 0.04 0.04 0.04 0.05 0.05 0.05
3(a) 0.04 0.04 0.04 0.05 0.05 0.05
Page # 118
01-10-1997
07-05-2019
SECTION 3.
Rates for Building and/or their Dhaka Mofussil

Contents.
Class I Class Class Class Class Class
II III I II III
Electrical Installation. 4(a) 0.04 0.04 0.04 0.05 0.05 0.05
(b) 0.04 0.04 0.04 0.05 0.05 0.05
(c) 0.04 0.04 0.04 0.05 0.05 0.05
N.B.- Above additional rates are 5. 0.04 0.04 0.04 0.05 0.05 0.05
cumulative Ventilation and storage
(other than film) 7(g) 0.04 0.04 0.04 0.05 0.05 0.05
N.B.- Above additional rates are NOT

cumulative.
Other-Warranties. 2(a) 0.04 0.04 0.04 0.05 0.05 0.05
(b) 0.09 0.09 0.09 0.10 0.10 0.10
(c) 0.09 0.09 0.09 0.10 0.10 0.10
N.B.- Above additional rates are 6(a) 0.09 0.09 0.09 0.10 0.10 0.10
cumulative upto a maximum of
Tk.0.13 (Dhaka) and Tk.0.15
(Mofussil)
The following warranties are absolute and cannot be

deleted on payment of additional premium-
Warranties 7 a, b, c, d, e, & f.
Warranty 3 b
Page # 119
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07-05-2019
SECTION 3.

I II III I II III
8. A (a) False ceiling of combustible 0.04 0.04 0.04 0.05 0.05 0.05
material (cellotex, compressed paper,
card-board and the like) and/or
presence of timber construction in the
roof.
(b) Wooden stage and/or Flies 0.04 0.04 0.04 0.05 0.05 0.05
(c) Frame work of seating 0.04 0.04 0.04 0.05 0.05 0.05
constructed of wood or other
combustible material (i.e. metal
framed seats would not be penalized
even although the seats upholstery
may be combustible material).
(d) Balconies of inferior construction.

0.04 0.04 0.04 0.05 0.05 0.05
N.B.-Above additional rates are cumulative.
For a continuous period
Additional not exceeding 3 days 0.04 0.04 0.04 0.05 0.05 0.05
charges for
theatrical „ „ 7 days 0.09 0.09 0.09 0.10 0.10 0.10
performances
„ „ 15 days 0.13 0.13 0.13 0.15 0.15 0.15
„ „ 30 days 0.26 0.26 0.26 0.31 0.31 0.31
„ „ 60 days 0.43 0.43 0.43 0.51 0.51 0.51
If Exceeding 60 days in all during the

currency of the policy the full annual
premium for a theatre must be charged.
Cinematograph Film Stores
Allowing storage of cinematograph films with 0.77 0.85 1.19 0.92 1.00 1.34
warranty that no films be projected unless by
means of electric bulb lamp machine, in a
separate compartment.
Page # 120
01-10-1997
07-05-2019
SECTION 3.

I II III I II III
Allowing Storage and projection of films with 1.02 1.11 1.45 1.22 1.31 1.65
warranty that projection of carried on in a
separate room used for such purpose.
NOTE-If only safety films are stored and/or
projected a reduction of Tk, 0.13 percent (Dhaka)
and Tk. 0.15 percent (Mofussil) from the above
rates may be allowed subject to a warranty that
only safety films having a cellulose acetate base
are stored or projected.
Clinical Laboratories- (See Analytical Laboratories)
(To be specially rated by the Committee)
Cloth Markets-
Coach and body builders permises.
(a) hand power only with warranty that no 0.21 0.26 0.43 0.26 0.34 0.51
polishing varnishing and painting or
upholstering, mattress and pillow making is
carried on.
(b) hand power only (without warranty) 0.26 0.34 0.51 0.31 0.39 0.56
(c) other than hand power (without 0.38 0.47 0.64 0.46 0.54 0.71
warranty)
Coal, Charcoal and/or firewood stored in shops or 0.51 0.60 0.77 0.61 0.70 1.02
godowns (including spontaneous combustion).
Cold Storage premises wherein the cooling
system is by the Ammonia process and the
insulating material(s) is are not a combustible
nature :
(a) Buildings and Machinery. 0.17 0.21 0.30 0.20 0.29 0.46
(b) Stocks with Warranty "B" and subject to 0.23 0.32 0.49 0.28 0.37 0.54
the under noted Temperature Clause.
"It is a condition of this insurance that the
Corporation Company shall not be liable for loss or
damage which may be caused by a change of
temperature resulting from the total or partical
destruction or disablement by fire of the
refrigerating plant."
Page # 121
01-10-1997
07-05-2019
SECTION 3.

I II III I II III
If the foregoing Temperature Clause is
omitted and liability thus admitted a
surcharge of 50 percent must be imposed.
N.B. -1 Where the refrigerant used in Cold
Storage premises as Freon Gas or Carbon
Dioxide or Carbone No. 1, the risks may be
rated at the Tariff rates provided the
General Tariff.
N.B. -2 If Methyl/Chloride is used as
refrigerant an additional rate of Tk.0.50
percent for Buildings and Machinery and
stock must be charged.
N.B. -3 If the insulating Material (s) is (are) of
a combustible nature, an additional rate of
Tk,0.09 percent on Buildings and
Machinery and stocks must be charged
except for the following :-
(a) Solid compressed blocks of
corks, saw-dust, rice-husk &I or
wood chips combined with pitch of
other adhesive material, or
(b) Solid compressed blocks of cord without
adhesive material, provided the above
insulating material (s) is (are) entirely
enclosed with brick work, masonry and/ or
cement concrete at least 2 1 " thick on the
floor and up to 4" 2 above ground level
and not less than 1" thick in other parts.
N.B.-4 Storage of edible fats including butter,
margarine, anhydrous milk fat and ghee is
allowed notwithstanding warranty B.
N.B.-5 Detached subsidiary buildings to be
rated as per the Tariff
Confectioners and sweetmeat sellers
(allowing) Bolling or heating of 0.23 0.32 0.49 0.28 0.37 0.54
Sweetmeat).
CNG filling station 0.64 (including Explosion)
Computer Machines with its accessories 0.43 0.43
(Fire) Including Electrical clause "B" but
excluding computerised records.
Diagnostic and Medical Imaging Centre 0.06 0.09 0.17 0.08 0.16 0.25
Page # 122
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07-05-2019
SECTION 3.

I II III I II III
Dyeing and Dry Cleaning Premises (other
Than Dye Works)
1. Trichloroethylene Process. 0.21 0.26 0.43 0.26 0.34 0.51
2. Any other Process.
a) Warranted not more than 10 gallons of 0.36 0.45 0.62 0.43 0.52 0.69
volatile spirit be stored-
b) Warranted not more than 0.51 0.60 0.77 0.61 0.70 1.04
40 gallons of volatile spirit be stored-
c) Without warranty- 0.77 0.85 1.19 0.93 1.00 1.34

3. Receiving depots where no process is
carried on-
Electroplating Works. 0.15 0.17 0.26 0.18 0.26 0.43
Exhibitions, Fetes, Fairs, Melas, Meena Bazars DHAKA/MOFUSSIL

for a period two months
( i ) Stalls of Cement Concrete blocks and 0.21

Corrugated iron sheets.
( i i ) Stalls of Timber and other inferior
construction. 0.64
N.B.-1 For an extension up to four weeks,
beyond two months, 50% of the above rates
should be charged.
2, The rates mentioned will apply so long as
Exhibition runs and any risks which continue
thereafter should be rated as follows
Annual rates in respect of the stalls in site until 0.11 0.19 0.31
such time as preparations commence for another
exhibition
Fishing Net Industries 0.38 0.47 0.64
Page # 123
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07-05-2019
SECTION 3.

I II III I II III
Firewood stored in godowns – 0.51 0.60 0.77 0.61 0.70 1.04
Furniture Makers (see Coach Builders)
Furniture Dealers and Furniture Warehouses 0.21 0.26 0.43 0.26 0.34 0.51
(allowing repairs mattress and pillow making,
upholstering and French polishing) hand-power
only
Furniture, Warehouses and show rooms (with 0.17 0.21 0.30 0.20 0.29 0.46
warranty against repairs upholstering and
French Polishing).
Garages used for housing cars, lorries or 0.09 0.11 0.19 0.11 0.19 0.27
Commercial vehicles with warranty "M".
N.B.- If Warranty "M" cannot be complied with
the risk falls to be rated under the item
"Motor car sale Rooms and/or
Workshops" with appropriate Warranties.
Ghee boiling premises i.e. in connection with 0.32 0.40 0.57 0.38 0.47 0.64
the preparation of genuine ghee.
Hand Loom Factories not forming part of a 0.17 0.21 0.30 0.20 0.29 0.46
Textile Mill.
Hat and Topee Factories 0.23 0.32 0.49 0.28 0.36 0.53
Hay in fully pressed bales, stored in godowns. 0.66 0.74 1.08 0.79 0.86 1.22
Hay loose in godowns. 1.87 1.95 2.29 2.24 2.33 2.67
Ice Factories : Ammonia Process. 0.26 0.34 0.51 0.31 0.39 0.56
Ice Factories : other process. 0.51 0.60 0.77 0.61 0.70 1.04
Kapoc (tree cotton)
Kerosene Oil Stores- 0.51 0.60 0.77 0.61 0.67 1.01
Kerosene oil Depots and Tank Installations- (see petroleum tariff)
Laboratories- (see analytical laboratories)
Lithographic Presses. (Rate as printers).
Page # 124
01-10-1997
07-05-2019
SECTION 3.

I II III I II III
Laundries other than dry Cleaners
(a) Warranted that no drying is done by 0.19 0.23 0.40 0.23 0.31 0.48
team and/or hot air and/or fire heat-
(b) Without warranty- 0.49 0.57 0.74 0.59 0.67 1.01
Manure and/or fertilizer works. 0.62 0.70 1.04 0.74 0.82 1.16
Match Godowns:-
i. Matches in cases only- 0.23 0.32 0.49 0.28 0.36 0.45
ii. Matches in Ocean paper packing- 0.25 0.34 0.51 0.31 0.39 0.56
N.B.- The following warranty must be inserted
on all policies covering match godowns-
Warranted that the storage in the match
godown is in accordance with Government
and/or Municipal Rules and/or Regulations
pertaining in the area.
0.17 0.26 0.43 0.17 0.26 0.43
Mosquito Coil
Motor Car Sales-Rooms and show Rooms
not forming part of or communicating with 0.15 0.17 0.26 0.18 0.26 0.43
Motor Workshops and Garages with
Warranties K & M.
Motor Car workshop (including workshops in
which vulcanising of tubes tyres and/or any
repair works to motor cars or their
accessories is carried on) and/or public
garages and/or compounds thereof:-
With Warranties K and L 0.19 0.23 0.40 0.23 0.31 0.48
With Warranties K and M 0.23 0.32 0.49 0.28 0.37 0.54
With Warranties K and N 0.49 0.57 0.74 0.54 0.62 0.95
With Warranties K and 0 0.51 0.60 0.77 0.61 0.70 1.04
With Warranties K and P 0.57 0.66 1.00 0.69 0.77 1.11
Page # 125
01-10-1997
07-05-2019
SECTION 3.

I II III I II III
(6) With Warranty K. 0.77 0.85 1.19 0.92 1.00 1.34
Note- Premises wholly or mainly engaged in
the work of Body Building must be rated under
the item "Coach and Body Builders' Premises"
appearing on sheet 22 of this Tariff.
The following rulings are applicable to the
warranties for motor car sale-rooms workshops
and public garages:-
(1) The term "repair" does not include
simple adjustments.
(2) "Stored on the Premises" refers to
building forming part of a garage and the
compound in the immediate vicinity used
in connection therewith
(3) An extra of Tk. 0.43 percent should be
charged if the Warranty against cleaning
Automobiles or Automobiles parts by
means of Petrol Spray is deleted from a
policy covering Motor Car Sales Rooms
and/or workshops and/or show Rooms
and/or Public Garages and/or
Compounds there of
(4) Flame Proof Degreasing Plant for use in
Motor Garages and Workshop. The use
of models of the above approved by the
Rating Committee may be allowed
without extra premium
(5) Spray Painting of Motor Vehicles Bodies
Rates notified under "Coach builders and
Furniture makers" of this tariff cover the
process of spray painting.
(6) It is permissible to store petrol in
approved underground tanks (such as the
"Bowser" system of-petrol storage)
whether inside or outside garage or
workshop premises without extra charge
provided that delivery pump and hose are
Page # 126
01-10-1997
07-05-2019
SECTION 3.

I II III I II III
(7) Loss or damage to cars caused by

explosion of petrol therein may be covered by
paying an extra of 10 per cent over and above
the fire rate applicable.
Motor Vehicle accessories suppliers shops:-
(a) With Warranties K,Q and D. 0.15 0.17 0.26 0.18 0.26 0.43
(b) With Warranties K and Q. 0.23 0.32 0.49 0.28 0.37 0.54
(c) With Warranties K and R. 0.45 0.53 0.70 0.54 0.62 0.79
N.B. - (1) The storage of petrol in a fireproof or

pucca built godown or compartment entered
only from the outside and accepted and notified
by the Rating committee as suitable for such
storage, may be considered as "not on the
premises" so far as the above warranties are
concerned. It is also permissible to store petrol
in approved underground tanks inside garage
or workshop premises, without extra charge,
provided that the delivery pump and hose are
N.B. - (2) Kerbside or other petrol delivery

pumps reservoirs and their contents must be
rated at Tk. 0.47 percent..
N.B. - (3) In the case of petrol service stations

"on the premises" means inside any of the
buildings comprising the petrol service station.
Municipal Markets. 0.34 0.43 0.60 0.41 0.49 0.66
N.B - Goods stored in courtyards of Municipal

Markets and those under Union Committees
must pay the same rates as apply to the
Markets to which such countryarde long.
Mineral Water & Bottling Industries. 0.13 0.15 0.23 0.15 0.24 0.41
Page # 127
01-10-1997
07-05-2019
SECTION 3.
PETROLEUM TANK INSTALLATION AND KERBSIDE PETROL PUMPS
This item applies to all premises including oil tank installation (other than ocean tank
installations) used by oil importers, exporters or producers for the wholesale storage or deposit of
petroleum, Kerosene and all mineral and rock oils and their liquid products and/or mixtures
including naphta.
Rates for Building and/or their Contents. With With Without

warranty PA warranty PB warranty
1) Tank installations and/or buildings used for 0.13 0.28 0.47

storage and/or deposit, constructed of brick,
stone or iron, with tile, slate, metal or other
incombustible roofing and their contents
(except tin plates and materials for making
tins).
2) Building used as above of other 0.28 0.55 0.81

constructions and their contents (except tin
plates and materials for making tins).
3) Barrels tins or drums containing oils.etc.as 0.28 0.55 0.81

above, in the open and their contents.
4) Empty barrels tins or drums in the open. 0.21
5) Tin plates and materials for making tins. 0.13
6) Kerbside or other petrol delivery pumps 0.47

reservoirs and their contents.
Page # 128
01-10-1997
07-05-2019
SECTION 3.
PETROLEUM OCEAN TANK INSTALLATIONS
This item applies only to:-
(1) Tank installations to which oil is brought by marine transport in bulk.
(2) Tank installations to which oil is brought by pipe line for transfer in bulk to marine transport
only and premises, as hereinafter provided for, used in connection with such installations.
Rates for Building and/or their Contents. With With Without

warranty PA warranty PB warranty
1. (a) Steel tanks and their contents 0.11 0.30 0.36
(b) Buildings used for storage and/or 0.13 0.27 0.45

deposit, including pump-house and general
stores constructed of brick, tone or iron with
tile, slate, metal or other incombustible
roofing and their contents.
2. Building used as above, of other 0.30 0.45 0.62

construction and their contents including
general stores.
3. Barrels tins or drums containing oils in the 0.17 0.36 0.53

open and their contents
4. Empty barrels, tins or drums in the open 0.17
5. Tin plates and materials for making tins 0.11
LESSORS CLAUSE— In the case of insurance upon tank installations or buildings not actually
occupied by the insured the following clause may be inserted in the
policy:--
―It is hereby declared and agreed that in case of any change in occupation or usage being
made by the lessees or tenants of the within described property, notice of which shall not have
been given to the insured, then in such case this insurance shall not be prejudiced by such
change upon the understanding that when it shall come to the notice of the insured at his (or
their) address as above he (or they) shall forthwith give notice to the Corporation Company and
pay, from the date at which such change took place such additional premium (if any) as may be
necessary under the altered circumstances.‖
Page # 129
01-10-1997
07-05-2019
SECTION 3.

I II III I II III
Photographer's premises- 0.19 0.23 0.40 0.23 0.31 0.48
Picture Frame Makers- See carpenters
Plastic Goods Manufactures:
(a) Hand power only
(i) With Warranties S & V. 0.13 0.15 0.23 0.15 0.24 0.32
(ii) With Warranties T & V. 0.21 0.30 0.43 0.26 0.34 0.51
0.28 0.36 0.53 0.33 0.42 0.59

(iii) With Warranties U & V.
NB. Factories using Plastic Materials having

a base of Nitro Cellulose fall to be rated
under the Item "Celluloid Goods
Manufacturers."
(b) Other than hand power. (see industrial risks tariff)
Photo colour processing laboratory studio. 0.21 0.30 0.47 0.26 0.34 0.51
Page # 130
01-10-1997
07-05-2019
SECTION 3.

Dhaka Mofussil
Rates for Building and/or their Contents.
I II III I II III
Plastic Raw Materials Manufacture (To be specially rated).
Plywood factories. (Rate as Saw Mills).
Plywood Shops (Rate as carpenter’s workshop)
Printing Press Premises -
Hand Power only 0.13 0.15 0.23 0.15 0.24 0.41
Other than hand power. 0.17 0.21 0.30 0.20 0.29 0.46
N.B- Premises used for manufacture of Playing
Cards, Calendars, Labels and such other glazed
materials may be rated under above item subject
to a Warranty that only daily requirement of
inflammable liquids excluding printed ink be
stored in the premises.
If this warranty is deleted an additional rates of
Tk.0.10 percent should be charged
Lithographic Presses:
Other than hand power warranted no type 0.15 0.17 0.26 0.18 0.26 0.43
settings or letter press printing done and no
drying by artificial heat carried on.
Warranted no drying by artificial heat be carried 0.28 0.36 0.53 0.33 0.42 0.59
on.
Without warranty. 0.36 0.45 0.62 0.43 0.52 0.69
Sandalwood, allowing sawing and trimming by 0.21 0.26 0.43 0.26 0.34 0.51
hand only.
Soap Works (not part of an oil Mill and Candle 0.26 0.34 0.51 0.31 0.39 0.56
Works.
Stables (livery and public)- 0.36 0.45 0.62 0.43 0.52 0.69
Strong Rooms 0.06 0.08
Seed Processing Plant
a) Building & Machinery 0.17 0.21 0.30 0.20 0.29 0.46
b) Stock with warranty B' and subject to the 0.23 0.32 0.49 0.28 0.37 0.54
under noted temperature clause "it is condition
of assurance that the corporation/company shall
not be liable for loss or damage which may be
caused by a change of temperature resulting
from the total or partial destruction or
disablement by fire of the refrigerating plant."
Page # 131
01-10-1997
07-05-2019
SECTION 3.

Dhaka Mofussil
I II III I II III
Sugar Boiling and candy making premises. 0.32 0.40 0.57 0.38 0.47 0.64
Tea packing premises, not forming part of a 0.13 0.15 0.23 0.15 0.24 0.41
Tea Factory)-
Note:- The assembling of patent tea chests is
deemed to be included in the process of
packing it being understood that no sawing of
wood other than by hand power or other
carpentry is carried on.
Tents and their Contents (other than those in See section 4(a)
Exhibitions. Fetes and the like)-
Tents making premises, not forming part of a
Cotton Mill:
(1) Warranted that no proofing of material is
carried on
0.17 0.21 0.30 0.20 0.29 0.46
(a) Hand Power.
0.21 0.26 0.43 0.26 0.34 0.51
(b) Other than hand power.
0.64 0.72 1.06 0.77 0.85 1.19
(2) Without Warranty
N.B.:-Tent making carried on within the
premises of a Cotton Mill to be rated as per the
appropriate item in the Cotton Mills Tariff-
Theatres and opera houses- 1.02 1.11 1.45 1.22 1.31 1.65
Tile Works- 0.17 0.21 0.30 0.20 0.29 0.46
Tinsmiths workshops- 0.11 0.13 0.21 0.13 0.21 0.30
Vermicelli factory 0.20 0.29 0.46 0.20 0.29 0.46
Metropolitan city
Washing Plant (with warranty) 0.19 0.23 0.40 0.23 0.31 0.48
(Warranted that no drying is done by steam
and/or hot air and/or fire heat)
0.49 0.57 0.74 0.59 0.67 1.01
(without warranty)
Dhaka
Water treatment plant 0.13 0.15 0.23 0.15 0.24 0.41
Page # 132
01-10-1997
07-05-2019
SECTION 3.

Dhaka Mofussil
I II III I II III
Wood workers and timber dealers (hand power 0.26 0.34 0.51 0.31 0.39 0.56
not being Saw Mills).
Warranted that no. sawing of bulk timber is

carried out except when the process is
employed in connection with the workshop.
Woodworkers and timber dealers (other than 0.40 0.49 0.66 0.48 0.57 0.74
hand power not being Saw Mills).
Warranted that not more than one of the

following Saws be installed to reduce timber
from bulk.
(a) Circular Saw (b) Band Saw.
(c) Jig saw and (d) Frame saw.
N.B.:- If this warranty cannot be complied with,

the risk must be rated as Saw Mill.
Page # 133
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SECTION 4(a)
Rates for wholly or partly open sheds and materials stored therein in the open and buildings
situated in proximity thereto.
(Where goods are stored in open sheds with

thatched roofs they must be rated as if stored in
thatched godowns)
N.B.:-Any of the materials mentioned in items 1 to 13

and 14 (ii) below, stacked or deposited in wholly or
partly open sheds or in the open which are within 50
feet of any building or other materials are to be
charged the highest rate applicable to any such
building and/or materials and vice versa. These
conditions will, however, not apply in cases where:
(a) The building (s) is of Fireproof Pucca or

Ordinary construction in which the walls facing
higher rated risk have no openings whatever or
have opening protected by iron shutters
(b) The building(s) within 50 feet of the material

mentioned in Items 8,9 and 12 carries a lower
rate than that chargeable for such materials.
Dhaka Mofussil
1. Coal (including spontaneous combustion).
(a) With a warranty that no heap shall contain more 0.51 0.61
than 1.000 tons or exceed ten feet in height and
that a clear space of not less than ten feet shall
be maintained around each.
(b) Without Warranty 0.94 1.12
IA. (a) Cotton and/or Cotton Waste and other 0.51 0.61
vegetable fibre in fully pressed bales.
(b) Cotton and/or Cotton Waste and other 0.77 0.92

vegetable fibre in other than fully pressed bales.
(c) Cotton Seeds loose and/or in bags. 0.34 0.41
2. Firewood or other fuel excluding coal, but 0.62 0.74

including coke except coke which is at least 200 feet
from any coal firewood or other fuel.
Page # 134
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SECTION 4(a) (Contd.)
Dhaka Mofussil
3. Coke not less than 200 feet from any coal 0.26 0.31
firewood or other fuel.
4. Hay Straw or fodder in fully pressed bales. 0.94 1.12
5. Hay straw or fodder in stacks other than in fully 1.49 1.79

pressed bales.
6. Vegetables Oils or whale oil in tanks, barrels, 0.38 0.46

drums tins or cases.
7. Hazardous goods not specially provided for 0.51 0.61
N.B.-Jute and Coir are rated under jute Press and

Godowns Tariff.
8. Metals (not including quicksilver) in blocks or 0.04 0.05

slabs or otherwise unmanufactured and/or
ores.
N.B.- Pieces and parcels of old iron and other metals

which can no longer be used as manufactured goods
may be deemed to be and rated as "metal in blocks
or slabs". Tin and terne plates and sheets are not to
be deemed unmanufactured metals.
9. Non-hazardous goods. 0.13 0.15
10. Railway sleeper depots (warranted that no 0.26 0.31

other sawn timber be stored).
11. Timber (sawn) and whole bamboos. 0.49 0.59
12. Timber in bulks unknown logs of not less than 0.17 0.20
6"x6" sq. or 6" diameter.
13. Tents and contents other than exhibitions. 1.02 1.22
14. Sulphur.
(i) If the Regulations contained in subsection 0.19 0.23

10 of the Miscellaneous Regulations are
complied with.
(ii) Otherwise stored in the open. 0.43 0.51
Page # 135
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SECTION 4(b) (Contd.)
Rates for Materials (Except Cinema Films) at Railway Station & Yards.
Including open spaces (and open sheds) within 100 ft. of Railway Sidings, yards.
NOTE: These rates do not apply to materials stored at Railway Sidings in Factory premises.
CLAUSES
The following clause must be inserted in all policies covering goods rateable under this Section:
The risk covered by this policy is that of Fire only for which the Railway Authority is not legally
liable and the risk ceases as soon as the goods have been removed from the Railway Station
and/or yard and/or open storage areas.
FLOATING POLICIES.
Policies may be extended to cover goods in more than one Railway Yard in the same town or
other specified town provided the following extras are charged:-
(a) Two Railway stations or yard 25 per cent.
(b) More than two Railway Stations or Yards 50 per cent.
Dhaka Mofussil
1. Coal (including spontaneous combustion)
(a) With a warranty that no heap shall contain 0.70 0.84

more than 1000 tons or exceed ten feet in height
and that a clear space of not less than ten feet
shall be maintained around each heap.
(b) Without warranty 1.02 1.22
2. Firewood coke or other fuel (Excluding Coal). 0.89 1.07
3. Hay straw or fodder or begasse in fully pressed 1.25 1.50

bales.
4. Hay straw or fodder or begasse in stocks other 1.91 2.30

than in fully pressed bales.
5. Vegetable oils or whale oil in tanks barrels drums 0.51 0.61

tins or cases.
6. Hazardous goods not specially provided for. 0.64 0.77
Page # 136
01-10-1997
07-05-2019
SECTION 4(b) (Contd.)
Dhaka Mofussil
7. Metals (not including quicksilver) in blocks or slabs 0.04 0.05

or otherwise unmanufactured and/or ores.
N.B.:—Pieces and parcels of old iron and other

metals which can no longer be used as
manufactured goods may be deemed to be rated as
"metal in blocks or slabs." Tin and terne plates and
sheets are not to be deemed unmanufactured
metals.
8. Non -hazardous goods. 0.19 0.23
9. Railway Sleepers. 0.38 0.46
10.Timber (Sawn) and whole bamboos. 0.72 0.87
11. Timber in bulk or unknown logs of not less than 0.26 0.31
6"x6" sq. or 6" diameter.
12. (a) Cotton and/or cotton waste in fully pressed 1.59 1.95
iron bound bales.
(b) Cotton and/or cotton waste other than in fully 3.55 3.89
pressed iron bound bales.
(c) Cotton seeds. 0.47 0.65

13. CHATTOGRAM JETTY SHEDS AND KHULNA 1.45
RAILWAY SIDINGS.
All Goods including jute in all or any of the Godowns

and/or Sheds and/or open Compounds.
N.B.- (1) No Extras will be charged for floater policies

under this item.
(2) For jute in locations other than above see jute

Press and Godown Tariff.
Page # 137
01-10-1997
07-05-2019
SECTION 4(c)
TRANSIT RISK BY RAIL AND/OR ROAD CONVEYANCE.
All policies or Covers covering risk against Fire only shall contain the following clause:-
The transit risk covered by this policy is hereby declared to commence with the loading of each
bale into the railway wagon and/or road conveyance at the initial place of loading and to cease
immediately on -the unloading of each bale at the place of final destination named. No risk
whatever to attach to any bale until actually loaded into the railway wagon and/or road
conveyance at the initial place of loading. Warranted that detention at any initial loading station
shall not exceed three days.
RATING SCHEDULE
Item Not less than Tk.

no. percent per annum
Dhaka Mofussil
1. Non-Hazardous 0.05
2. Hazardous goods. 0.11
3. Extra-hazardous goods. 0.16
4. Cotton in fully pressed iron bales. 0.06 2.55
5. Cotton hemp and/or other vegetable fibres other than in 0.21 3.83
fully pressed iron bound bales.
N.B:—Open policies for single transits are permitted on declaration basis in accordance with
General Rules and Regulations 26 and 27, but with the minimum sum insured of Tk.5 lakhs.
Page # 138
01-10-1997
07-05-2019
SECTION 5
ADDITIONAL NETT RATES
1. Night W ork.
No extra premium would be charged to any industry falling either under General Tariff or
Industrial Tariff for Night Work except otherwise provided in Fire Tariff.
2. Artificial Light,(See warranty Y).
The following additional rates apply to manufacturing or processing risks unless warranties
are inserted against use of artificial light.
Not less than Tk. percent per

annum
Class Class Class Class
I II III IV
(a) If any work be carried on by electric light. No extra 0.11
(b) If any work be carried on by gas light, candles or oil 0.11 0.11 0.11 0.21
light other than by mineral oil lights.
0.21 0.21 0.21 0.32
(c) If any work be carried on by mineral oil lights.
When oil is used for lighting purposes the following warranty must be inserted in
policies—
"Warranted that the Lamps are all in properly closed Lanterns and that the same are
filled and trimmed outside the premises insured hereby."
Page # 139
01-10-1997
07-05-2019
SECTION 5
ADDITIONAL NETT RATES—(Contd.)
All policies, covering risks except those rateable under items 1,2,3 and 5 in Section I of this
tariff in which mineral oil is used for lighting purposes must contain the following warranty
unless the appropriate additional rate is charged :—
"Warranted that no mineral oil vapour lamps (the oil in the container attached to the lamps or
fittings being under air pressure) and no alcohol or petroleum spirit vapour lamps (the vapour
being generated in an apparatus forming part of the lamp or fitting) will be used in the building
referred to in this policy".
The following additional rates should be charged when lighting by mineral oil vapour lamps
(the oil in the container attached to the lamp or fitting being under air pressure) and/or alcohol
or petroleum spirit vapour lamps (the vapour being generated in an apparatus forming part of
the lamp or fittings) is allowed:-

Mineral oil Alcohol or
Vapour petroleum spirit
lamps vapour lamps
All risks except manufacturing or processing risks 0.11 0.15

and those rateable under item 1,2,3 and 5 in
Section 1 of this Tariff
The use of these forms of lighting is prohibited in the case of manufacturing and
processing risks.
In all policies allowing lighting as above the following warranty must be inserted:-
"It is warranted that if any spirit vapour lamps are used on the premises, such lamps
shall be filled during day light only, that the spirit shall be kept in a securely stoppered metal
receptacle in a well-ventilated room or in an open verandah, no artificial light being brought
near. The term "Spirit" shall be held to include alcohol, gasoline petrol naphtha, benzine or
any of the volatile products of petroleum by whatever name known."
Electrical Handing Gear (Textile risks only)- When electrical cranes, runways or stackers
are installed in mill premises and/or godowns not in conformity with the Corporation's Rules
(vide Miscellaneous Regulations, sub-section 7A/B) an additional premium of Tk. 0.05 percent
must be charged.
N.B-1 Electrically driven trolleys may be used inside mill premises and/or godown without
extra charge.
N.B-2 Petrol driven cranes and trucks are subject to the rules and rates laid down in
Miscellaneous Regulations sub-section 2(c).
Page # 140
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07-05-2019
INDUSTRIAL TARIFF
Page # 141
01-10-1997
07-05-2019
INDUSTRI AL TARIFF
SPECIAL CONDITIONS
1. SCOPE OF THE TARIFF.
Applicable to all Premises situate anywhere in Bangladesh where any manufacturing
process is carried on with the aid of power but excluding those rateable under special tariffs or
general tariff.
2. CONSTRUCTION & RATING.
See Building Regulations.
Class 1 Pucca Class 1 rates.
Class II Ordinary. Class II rates.
Class Ill Kutcha-Pucca Class III rates
Class IV Kutcha or Thatched Class III rates plus 100% loading.
N. B. 1 Buildings of ordinary, Kutcha-pucca or Kutcha Construction having roofs covered with a
thin covering of grass, reeds or thatch to be charged Tk.0.03 percent in addition to the
normal rate applicable or the rate for thatched construction whichever is the less.
N. B. 2 Should a Boiler House or Firing Place communicate with the Main Manufacturing Block
the Boiler House rate should be added to the rate for the compartment with which it
communicates unless the Boiler House and/or Firing place forms an integral part of the
manufacturing risk in which case the rate for the latter will apply.
1. Coal or oil Fired boiler 0.03 Percent
2. Gas or Electrically heated boiler 0.02 Percent
For purposes of rating under this note the Boiler House and/or Firing Place should be treated
as forming an integral part of the Manufacturing risk in the case of the undernoted risks:-
Analytical Laboratories.
Bakeries and/or Biscuit Factories.
Boiler Digester House in paper Mills
Boiling or Digesting Rooms of a paper Mills
Breweries
Brick Works.
Canvas sheet Manufacturers (Where proofing is done)
Chemical Manufacturers
Clinical Laboratories
Cement Factories' Kiln Houses,Rotary or otherwise
Distillery Still Houses
Dye and Bleach works-drying by fire heat
Electric Generating Stations
Engineering Workshops, Light and Heavy
Fruit Products and Condiment Factories
Ghee Boiling Premises.
Page # 142
01-10-1997
07-05-2019
INDUSTRIAL TARIFF —(Contd.)
SPECIAL CONDITIONS—(Contd.)
Ghee Factories (Vegetable) — Refining rooms.
Glass Factories.
Ink (printers) and Roller Composition Factories sub items (b) and (c).
Laundries (Without Warranty).
Oil Mills (Vegetable) in which heat other than steam heat is used
Paint factories Oil Boiling & Varnish making.
Potteries & Tile Works -Kiln firing.
Soap & Candle works.
Sugar boiling and candy making premises.
Sugar Factories and Refineries.
Tarpaulin and Canvas proofing factory (where oil boiling is done).
Turpentine distilling block.
Tent making premises,(without warranty);
Tin printers (without Warranty).
3. Floating Policies:- Where not inconsistent with General Rule No.24 floating policies
covering not more than three specified risks may be issued at a rate of 25 per cent higher
than the highest rate applicable to any one of them. If covering more than three specified
risks, then at the rate 50 per cent higher than the highest rate applicable to any one of
them.
The foregoing additional charges are not applicable in the case of Policies covering
in one amount the contents of more than one godown and/or stocks in the open provided
all the risks covered by the policy (ies) are located in the same compound and are in the
sole occupation of the Insured and the highest rate applicable to any of the godowns
and/or stocks in the open is charged.
4. All Warranties appearing in the General Tariff must be incorporated where

applicable.
Page # 143
01-10-1997
07-05-2019
INDUSTRIAL TARIFF — (Contd.)
Section 1
Rates for Building and/or their Contents. Class I Class II Class III
Absorbent Cotton Mills
Warranted that no willowing and/or Cop.

Breaking and/or waste Breaking and/or
Thread Extracting is used in the
department. 0.76 0.85 1.19
Building/Machinery 1.27 1.36 1.70
Stock
Without Warranty : 1.27 1.36 1.70

Building/Machinery 2.04 2.12 2.46
Stock
Aloe Fibres (as per Gin & Press Factories Tariff)
Artificial Silk Mills (to be rated as Silk Mills)
Alta and cereal grinding premises :- (see General Tariff)
a) Hand power only.
b) Other than hand power with warranty 0.30 0.39 0.56

that no other process is carried on.
N.B. For Flour Mills see Flour Mills Tariff
Batteries & Dry cell Manufacturing and 0.20 0.29 0.46

assembling
Belt and hose factories; -
a) Warranted no Boiler or Firing place 0.20 0.29 0.46

therein or in premises communicating
therewith
b) Without warranty 0.28 0.36 0.53
Beverage industry 0.15 0.24 0.32
Bi-cycle industries 0.11 0.13 0.15
Page # 144
01-10-1997
07-05-2019
Section 1 (contd.)
Biscuits Factories 0.20 0.29 0.46
Boat Builders. 0.38 0.47 0.64
Bobbin Factories 0.59 0.67 1.01
Bone Mills. 0.31 0.39 0.56
Boot, shoe and other leather Goods Factories:- 0.20 0.29 0.46
(other than hand power) warranted no rubber
boots, shoes or rubber parts thereof be
manufactured.
Note: Where rubber boots, shoes or rubber

parts thereof are manufactured. the risk
should be rated as per "Rubber Goods
Factories" sheet 152
Breweries 0.15 0.24 0.41
Brick Works Rate as tiles work under general tariff
Brush Factories 0.31 0.39 0.56
Button Factory 0.38 0.47 0.64
Canvas Sheet Manufacturers (not forming part

of a Cotton Mill Premises) and Canvas and
Webbing Equipment Manufacturers.
Premises for the making up of Canvas sheets

and of haversacks, newer and similar canvas
or webbing equipment, including metal work in
connection therewith
(1) Warranted no proofing of material be 0.25 0.34 0.51

carried on
(1) Without warranty See tarpaulin & Canvas proofing factories.
Cardboard Box Manufacturers 0.23 0.31 0.48
Cardboard Manufacturers excluding Cardboard (See Paper & cardboard mills Tariff)
Box Manufacturing
Page # 145
01-10-1997
07-05-2019
Section 1 (contd.)
Carpet Factories (other than hand power). 0.31 0.39 0.56
Celluloid goods manufacturers and godowns situate 2.91 2.99 3.33

within 20' therefrom
Cement Factories:-
(1) Rotary kiln Houses:

0.08 0.16 0.25
(a) Without coal drying or grinding
(b) With coal drying or grinding 0.10 0.19 0.27
(2) Coal drying or grinding in building not communicating 0.13 0.21 0.30
with Rotary Kiln Houses
(3) Mixing grinding (other than coal) and/or crushing:
(a) If wet grinding only be done 0.08 0.16 0.25
(b) Otherwise 0.10 0.19 0.27
(4) Kilns otherwise than as in (1):
(a) With heating by steam or hot air 0.13 0.21 0.21
(b) With heating by other means 0.25 0.34 0.51
(5) Cement Silos and Godowns for non-hazardous 0.13 0.21 0.30
goods
(6) Godowns for hazardous goods excluding loose 0.25 0.34 0.55
gunnies and explosives
(7) Godowns for gunnies otherwise than in fully pressed 0.59

bales 0.33 0.42
Page # 146
01-10-1997
07-05-2019
Section 1 (contd.)
(8) Godowns for explosives (with warranty that the 0.57 0.67 1.01
explosives are placed in an isolated position
not within 400 yards of any other insured
building)
N.B.1 In the case of risks under items (1) & (2) if

the coal dust elevators, conveyors, feed pipes
and hoppers be not of incombustible material or
if such elevators and conveyors be not entirely
enclosed an extra of tk. 0.13 percent will be
chargeable.
N.B.2 In the case of risks rateable under item 3, if

any disintegrator or other speed machine for
grinding be used an extra of Tk.0.08 percent will
be chargeable.
N.B.3 Packing plant House to be rated as a

godown.
Chemical Manufacturers:
(a) Medicinal and Pharmaceutical preparations only
(i) "With Warranty that during the currency of 0.13 0.21 0.21
the policy no inflammable liquid having a
flash point below 150°F (close test) in
excess of day's requirements shall be stored
in the manufacturing blocks or in any'
buildings communicating therewith or not
separated therefrom by Perfect Party Walls"
(ii) Without Warranty 0.26 0.34 0.51
(b) Others (to be specially rated by the rating committee)
Chipboard, Particle board and Hardboard factories 0.32 0.40 0.57
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Cigar, Cigarette and Tobacco Factories
0.18 0.26 0.43
Cinematograph film production studios (To be specially rated by the Rating Committee)
Clay Mines:
Washing, Refining, Pressing, Drying, 0.15 0.24 0.41

disintegrating and/or Crushing
Cloth Finishing Mills:
Cloth finishing (Warranted no Flannel Raising or 0.15 0.24 0.41

Singeing)
Cloth Finishing (Warranted no Singeing) 0.31 0.39 0.56
Cloth Finishing (Warranted no Singeing other than 0.46 0.54 0.71

by Natural Gas)
Cloth Finishing (Without Warranty) 0.57 0.65 0.99
Clothiers Manufacturing (other than hand Power) 0.25 0.34 0.51
Any tailoring enterprise of factory using more than

12 sewing or other electrical machines.
Note: Any manufacturing process, involving the use

of rubber solution with petroleum or other
inflammable liquids, should be rated under the
item. "Rubber goods Manufacturers"
Detached/Separate
Packing Unit of Readymade garments in Airtight 0.17 0.25 0.42

Polythene bag by reducing the moisture from 7 to
10°C
Cloth printing Premises:
With warranty that no drying by artificial heat is 0.25 0.34 0.42
carried on
0.48 0.57 0.74
Without Warranty
Condiment Factories. (See fruit product and condiment factories)
Cotton Waste Factories:
Building & Machinery. 1.61 1.69 2.03
Stocks. 2.24 2.33 2.67
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Dairy Farms & Milk Pasteurising Plants:
(1) Boiling and/or sterilising done by steam 0.13 0.21 0.30

Warranted no boiler or firing place therein or
in premises communicating therewith.
(2) As above but without the above warranty 0.18 0.26 0.43
(3) Boiling and/or sterilising done by fire heat 0.31 0.39 0.48
N. B. Cold storage rooms should be rated as per

item "Cold Storage Premises" in General Tariff.
Dehydration Factories:
(Forced draft-Tunnel method) 0.20 0.29 0.46
Distilleries: -
(1) still house, with fire heating 0.46 0.54 0.71
(2) still house, steam heating, the boiler 0.38 0.47 0.64
being inside the building.
(3) still house, steam heating, the boiler 0.31 0.39 0.56
being outside the building.
(4) Fermenting house 0.15 0.24 0.41
(5) Spirit storage godowns. 0.31 0.39 0.56
(6) Mohwa storage godowns 0.13 0.21 0.30
Dye-works:-
(a) (Warranted no drying by artificial heat carried 0.25 0.34 0.42
on therein).
(b) buildings in which yarn and/or cotton
and/or printed cloth is dried by steam
and/or hot air with warranty against
drying by fire heat or singeing of cloth.
i) Building 0.69 0.77 1.11
ii) Contents 0.87 0.95 1.29
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N. B. The above rates should be increased by 0.08

percent where "ageing" is carried on with fire
place inside the building.
(c) Building used for drying Buildings 2.09 2.18 2.52
by fire heat Contents 2.75 2.84 3.18
(d) Buildings and/or compartments in which singeing

of cloth is done either by fire heat, gas jets or
electricity. 1.02 1.10 1.44
Electric power stations of the public supply 0.08 0.11 0.19

undertaking.
(See light
Electrical Works (with a warranty that no battery
Engineering
charging be carried on). works).
Embroidery Factory and/or works 0.25 0.34 0.51
Engineering workshops.
(1) Heavy Engineering Works.

Iron, steel, Brass and Copper Smelting and
0.08 0.11 0.13
Extracting Works, Roller, Stamping and Forging.
Mills, Foundries Casting over one ton.
Fabricators and Repairers of Structural Steel
works and Heavy Machinery Tank/Drum and
Galvanising Works.
(2) Light Engineering Works.
Manufacturers of Electrical Equipment and

Accessories, Textile Machinery and Machine 0.11 0.13 0.15
Tools, Tinsmiths and Light Metal Worker,
Foundries casting under one ton. Wire Drawing
Mills, Small Black smiths shops and Light
Machinery Repair Shops.
I. Coal or oil fired boiler ……………… Additional rate to be charged @ 0.03
II. Gas or Electrically heated boiler ……… Additional rate to be charged @ 0.02
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Engine Boiler Houses, Pump Houses, Engine 0.10 0.19 0.27

Rooms, Transformer Houses, Switch Rooms, Meter
Rooms, Generating stations, Power Houses
(private, Turbine Houses (private), Mechanic
Workshops and Black-smith with workshops when
subsidiary to but detached or perfectly separated
form any industrial risk.
Fertilizer Factories and Fish meals 0.25 0.34 0.51
Fruit Drying Factories.
(Cutting, Storing, washing, Airing and sulphuring) 0.20 0.29 0.46
Fruit Products & Condiment factories. 0.23 0.31 0.48
Ghee Factories (Vegetable):
(a) Refining, Hardening and Activator, Cooling, 0.10 0.19 0.27

Filling Packing, Cell Room, Tinsmith's Shop
and Laboratory.
(b) Godowns containing:-
I. Oil Seeds, Ground Nuts, Ghee in sealed 0.13 0.21 0.30

tins not exceeding 35 lbs. in weight
and/or in bottle and non-hazardous
goods.
II. Hazardous goods 0.31 0.39 0.56
(c) Oil Tanks in the open ... 0.18
(d) Gas Holders ... 0.31
Note: All communicating buildings must bead

the highest rate applicable.
(e) Cotton seeds and other oil seeds in

open in the mills compound …. 0.32
Garments industry 0.25 0.33 0.51

Garments accessories 0.11 0.13 0.17
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annum
Rates for Building and/or their Contents. Class II Class III
Class I
Glass Factories 0.20 0.29 0.46
N. B. Subsidiary buildings in the same compound but
detached or separated by a perfect party wall from any
building occupied for any process, to be rated on their
own merits as per the Tariff.
Hosiery and thread Factories 0.28 0.36 0.53
Hatchery and Nursery 0.08 0.17 0.34
Handicraft 0.11 0.13 0.15
Ink Factories (excluding printing inks) 0.28 0.36 0.53
Ink (printer's) and Roller Composition Factories:
a) With warranty that no photo-gravure ink be 0.38 0.47 0.64
manufactured and that no "Stand" Oil or varnish
be prepared or oil boiled
b. With warranty that no photo-gravure ink be 0.59 0.67 1.01
manufactured.
c. Without warranty 0.92 1.00 1.34
Manure and/or fertilizer works 0.74 0.82 1.16
Match Factories 0.92 1.00 1.34
Motor Assembly Plant 0.17 0.23 0.40
Melamine industry 0.20 0.29 0.43
Nylon Industry 0.38 0.47 0.63
Buildings 0.41 0.49 0.66
Oil Mills: ) 0.53 0.61 0.78
Contents
Note:- If heat other than steam heat is used an additional
of Tk.0.23 percent must be charged.
Oil Mills detached Godowns in Mills Compound
(a) Subject to Warranty "B" but allowing storage of 0.14 0.23 0.40
cotton seeds.
0.34 0.42 0.59
(b) Subject to Warranty C.
In the case of Oil Mills where extraction is carried on by
application of petrol or other chemical solvents an extra of
Tk.0.31 percent is chargeable. Such solvents must be
stored in underground tanks approved by the Committee.
Cotton seeds and other oil seeds in open in the mill 0.32
compound. 0.08 0.13 0.30
Oxygen Factory
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annum
Class I
Packing Industry (Readymade garments in airtight polythene 0.17 0.25 0.42

bag only)
Padding Factory 0.25 0.34 0.51
Paint, Colour and Varnish Factories.
(a) Barytes and Dry colour Grinding and Levigating only 0.18 0.26 0.43
(b) Stiff and mixed paint including Enamel 0.31 0.39 0.56
manufacture
0.59 0.67 1.01
(c) Oil Boiling (including stand Oil Plants), varnish
Making and Thinning varnish Storage Tank and varnish
Pump Houses. 0.18 0.26 0.43
(d) Drum and Keg Making 2.91 2.99 2.33
(e) Cellulose paints manufacture 0.59 0.67 1.01
Pen holder and Pencil Factories
Plastic Goods Manufacturers: (See general tariff).
(a) Hand power only.
N.B:- Factories using plastic Materials having a base of Nitro
Cellulose fall to be rated under the item "Celluloid Goods
Manufacturers".
(b) Other than hand power.
i) With Warranties S,V and W 0.20 0.29 0.46
ii) With Warranties T,V and W 0.28 0.36 0.53
iii) With Warranties U,V and W 0.38 0.47 0.64
N.B.1 Factories using Plastic Materials having a base of Nitro
Cellulose fall to be rated under the item "Celluloid Goods
Manufacturers"..
N.B.2 Warranty "W" may be deleted provided an additional
rate of Tk.0.4 percent is charged.
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annum
Class I
Note to Sub-item (b) -Warranty "V" may be deleted of suitably (to be specially rated)
altered on payment of an extra charge of Tk.0.11 percent of
the quantity of solvents used is above 4 gallons but not
exceeding 10 gallons. Tk.0.21 percent If the quantity of
solvents used is above 10 gallons but not exceeding 40
gallons and Tk.0.32 percent for unlimited storage of solvents.
Plastic Raw Materials Manufacture.
Plywood Factories. 0.32 0.40 0.57
Poultry feed Industries 0.25 0.34 0.51
Poultry farm 0.08 0.16 0.25
Polythene Industries 0.20 0.29 0.46
Potteries :-
(1) Grinding, Mixing (Slip Houses), Pressing, 0.15 0.24 0.41

Kneading, Moulding, Glazing and Decorating
(2) Drying and Kiln Firing 0.23 0.31 0.48
(3) Packing 0.31 0.39 0.56
Power Loom Factories not forming part of a Textile Mill 0.25 0.34 0.51
N.B.- A power loom Factory is a risk solely employed in the weaving of

yarn (but not silk or artificial silk yarn) into fabrics with the subsequent
calendaring and, finishing.
Power Loom Factories operating 50 or more power looms must be

rated under the relevant sections of the Cotton Mills Tariff.
Rice Mills and Godowns.
(1) Cargo Mills and other Mills Where husking only is done 0.45 0.53 0.70
(2) White Mills and all Mills other than above 0.60 0.69 0.92
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annum
Class I
(3) Godowns used for the storage only of paddy, 0.31 0.46 0.53
rice, gunny bags and non-hazardous goods.
(4) Godowns used wholly or partly for storage of 0.45 0.53 0.70
hazardous goods.
(5) Paddy stored in the open :- The rate applicable to the most
highly rated buildings within this
(a) Within 50 feet of any building distance but not less than Tk.0.31
Percent.
(b) If over 50 feet from any building or other stock Tk. 0.31 Percent
in the open
(6) Additional rates must be charged (apart from the

additional rates under Section 3) as follows when
applicable:-
(a) Height- If any portion be more than five storey 0.08

including ground floor, basements attic or loft.
(b) Husk House- If the husk house be of timber 0.15

without metal lining or built of any other
combustible material
N.B. (1) A cargo mill is one which dehusks paddy producing

unpolished rice.
(2) a white mill is one which carries out further processes

resulting in the production of polished rice.
(3) Any building in which cleaning or any other process

by machinery worked by power is carried on must be
treated as a rice mill and be rated accordingly.
Cleaning by hand, no steam power being allowed is permitted

in godowns.
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annum
Class I
Rope works 0.49 0.58 0.75
Rexin and/or Artificial Leather Manufacturing Industries 0.22 0.31 0.50
Re-Rolling Mills 0.08 0.11 0.13
Rubber Goods Factories
(a) Warranted no vulcanising and no inflammable solvents 0.16 0.25 0.42

used.
(b) Allowing vulcanising and use of inflammable solvents 0.36 0.44 0.61
but warranted that neither the Solution Room nor
Spreading Shop communicate with the rest of the
Factory and that the quantity of inflammable solvents in
the Factory (other than the Solution Room and/or
Spreading shop) does not exceed 2 gallons at any one
time.
(c) With separation warranty but no restriction on quantity 0.41 0.49 0.66
of inflammable solvents
(d) Without separation warranty and with no restriction on 0.61 0.70 1.04
quantity of inflammable solvents. Salt Crushing Factory
Shellac Factories 0.18 0.26 0.43

Shellac Factories (using a solvent extraction process) 0.20 0.29 0.54
Silk and artificial silk mills. (To be rated under the cotton
mills tariff).
(a) (a) Warranted to contain not less than 50 power driven looms.
(b) (b) Without Warranty

0.23 0.31 0.48
Slate Factories
0.23 0.31 0.48
Sports Goods Manufacturers 0.31 0.39 0.56
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Section 1 (contd.)

annum
Class I
Starch Factories :
(1) Cereal cleaning and/or grinding by dry process 0.20 0.29 0.46
(2) Cereal cleaning and/or grinding by wet process 0.18 0.26 0.43
(3) Drying by steam heat, sifting and bagging 0.20 0.29 0.46
(4) Drying by coal fired ovens 0.38 0.47 0.64
(5) Disintegrators 0.33 0.42 0.59
(6) Sulphur ovens for production of sulphur dioxide 0.33 0.42 0.59
(7) Sulphur and Chemical Godowns (Rateable under general tariff).
(8) Cereal and finished product Godowns ditto
Stone Crushing Factory (Other than hand power) 0.34 0.42 0.59
Sugar factories and Refineries :-
(1) Manufacturing premises-Refineries. 0.06 0.08 0.17
(2) Manufacturing premises-cane Factories
(a) With the following Warranty :
Warranted that during the currency of this Policy :
(i) No Coal and/or Wood and/or other Fuel in excess

of that required for 2 days consumption in the boilers
be stacked or stored in the Factory or Boiler House or
in open sheds within 50 feet of any building to which
the insurance applies:
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annum
Class I
(ii) No bagasse in excess of that required for two 0.06 0.08 0.17
days consumption be stacked or stored in the
Factory or Boiler House or in the open or in open
sheds within 100 feet of any building to which the
insurance applies.
(b) Without the above warranty 0.11 0.13 0.21
( 3) Godowns
Sugar and/or Gur and/or Jaggery loose and/or in bags and/or

Molasses in drums, stored in godowns situate within the
compound of sugar Refineries and/or factories.
(a) With warranty that not more than 75,000 0.08 0.11 0.19
mounds of Sugar and/or Gur and/or jaggery and/or
Molasses be stored in any one godown or
compartment
0.11 0.13 0.21
(b) Without the above warranty
0.11
(4) Molasses in steel tanks in open
0.08 0.11 0.19
(5) Cane Weighment Sheds
Tanneries and their godowns situate in the same compound:-

0.23 0.31 0.48
(a) Buildings used for bark grinding and all process in
connection with the production, treatment and finishing
of leather except those referred to in item (b)
0.10 0.19 0.27
(b) Building which contain only liming bating and tanning
pits and/or are used for unhairing fleshing or other wet
process
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annum
Class I
Godown in the same compound but detached or

separated by a perfect party wall from any building
occupied for any process mentioned above.
(c) Occupied for the storage of hides and/or 0.15 0.24 0.41
skins.
(d) Occupied of the storage of non-hazardous goods. 0.15 0.24 0.41
(e) Occupied for the storage of hazardous 0.31 0.39 0.56

goods.
0.71 0.80 0.88
Tar Factories
Tarpaulin and Canvas proofing factories :-

0.28 0.36 0.53
(a) With warranty that no linseed oil be used or boiled
and no white spirit, petroleum spirit or any spirit
flashing below 90°F. be used
0.38 0.47 0.64
(b) With warranty that no linseed oil be boiled and no
white spirit, petroleum spirit or any spirit flashing
below 90°F. be used
0.64 0.72 1.06
(c) With warranty that no white spirit, petroleum spirit
or any spirit flashing below 90°F. be used.
0.71 0.80 1.14
(d) With warranty that no linssed oil be boiled.
0.76 0.85 1.19
(e) Without warranty
0.11 0.19 0.36
Telecommunication
0.28 0.36 0.53
Thread Factories
Tin Printers (other than hand power)

0.25 0.34 0.51
With a Warranty that no artificial drying is carried on
0.46 0.54 0.71
Without Warranty
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annum
Class I
Turpentine and Rosin Factories:-
(a) Distillery block including Mixing and Hot case Rooms, 0.71 0.80 1.14
allowing steam heat only.
(b) Rosin and/or turpentine storage godowns connected 0.41 0.49 0.66
therewith
(c) Turpentine filling department (in which 0.56 0.65 0.99

soldering is carried on)
Umbrella manufacturing or assembly premises 0.15 0.24 0.41
(Permitting the use of small fire places or stoves and the

storage of hazardous goods not exceeding ½% of the total
value of the stocks).
Varnish Factories. (see Paint, Colour & Varnish

Factories)
Wool Cleaning and/or pressing Factories and their Godowns.
(1) Cleaning and Pressing 0.25 0.34 0.51
(2) Wool in bales and/or loose in detached godowns with 0.15 0.24 0.41
warranty no other goods be stored.
(3) Wool in fully pressed bales in compound but over 20 0.23

feet from the Factory.
(4) Wool loose in Compound over 20 feet from the factory 0.28
with warranty no other goods be stored within 20 feet.
N.B. Under items 3 & 4, if wool is stored within 20 feet of the

Factory, the highest rate applicable to any such risks or risk
shall apply over all.
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annum
Class I
Silent Factory
(a) With Warranty 0.10 0.19 0.27
(b) Without Warranty (Rateable according to storage) 0.10 0.19 0.27
Building under construction, alteration or repair
N.B-1 Reduction to the silent rate during the currency of a

policy may be made only after charging the short period
rate for the period during which the factory has worked.
N.B-2 In case where the working net rate is less than the silent
rate, than the silent rate shall be the same as the working
net rate.
Fire Premium rate for Acetylene Plant & Godown 2.34% with
5% excess of each & every loss subject to the following
precautions :
i) That the calcium carbide (Acetylene Gas) be kept in

strong hermetically sealed metal vessels.
ii) That it be stored only in positions not exposed to

moisture.
iii) The building or compartment in which it is placed

should be well ventilated to open air.
iv) Large quantities should only be stored in

isolated well ventilated places set apart for the purpose
in which no artificial light or heat is used.
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Section 1 (contd.)
1. Night Work.
No extra premium would be charged to any industry falling either under General Tariff or
Industrial Tariff for Night Work except otherwise provided in Fire Tariff.
2. Artificial Light,(See warranty Y).
The following additional rates apply to manufacturing or processing risks unless warranties
are inserted against use of artificial light.

annum
I II III IV
(a) If any work be carried on by electric light. No extra
(b) If any work be carried on by gas light, candles or oil 0.11 0.11 0.11 0.21
light other than by mineral oil lights.
0.21 0.21 0.21 0.32
(c) If any work be carried on by mineral oil lights.
When oil is used for lighting purposes the following warranty must be inserted in
policies—
"Warranted that the Lamps are all in properly closed Lanterns and that the same are
filled and trimmed outside the premises insured hereby."
All policies, covering risks except those rateable under items 1,2,3 and 5 in Section 1 of the
General tariff in which mineral oil is used for lighting purposes must contain the following
warranty unless the appropriate additional rate is charged :-
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Section 1 (contd.)
"warranted that no mineral oil vapour lamps (the oil in the container attached to the lamps
or fitting being under air pressure) and no alcohol or petroleum spirit vapour lamps (the vapour
being generated in an apparatus forming part of the lamp or fitting) will be used in the building
referred to in this policy."
The following additional rates should be charged when lighting by mineral oil vapour lamps (the
oil in the container attached to the lamp or fitting being under air pressure) and/or alcohol or
petroleum spirit vapour lamps (the vapour being generated in an apparatus forming part of the
lamp or fittings) in allowed:-
Mineral oil Alcohol or

Vapour petroleum spirit
lamps vapour lamps
All risks except manufacturing or processing risks 0.11 0.15

and those rateable under item 1,2,3 and 5 in
Section 1 of this Tariff
The use of these forms of lighting is prohibited in the case of manufacturing and processing
risks. In all policies allowing lighting as above the following warranty must be inserted:-
"It is warranted that if any spirit vapour lamps are used on the premises, such lamps shall
be filled during day light only, that the spirit shall be kept in a securely stoppered metal
receptacle in a well-ventilated room or in a open veranda, no artificial light being brought near.
The term "Spirit" shall be held to include alcohol, gasoline, petrol naphtha, benzine or any of
the volatile products of petroleum by whatever name known."
Electrical Handling Gear (Textile risks only), When electrical cranes, runways or stackers are
installed in mill premises and/or godowns not in conformity with the Committee, Rules (vide
Miscellaneous Regulations, sub-section 7A/13) an additional premium of Tk.0.05 percent must be
charged.
N.B.1 Electrically driven trolleys may be used inside mill premises and/or godowns without
extra charge.
N.B-2 Petrol driven cranes and trucks are subject to the rules and rates laid down in
Miscellaneous Regulations, sub-section 2(c).
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MISCELLANEOUS INDUSTRIAL TARIFF
Sl. Factory Not less than Tk. percent

No. per annum
Class I Class II Class III
1. Aluminum foil industry 0.24 0.27 0.30

2. Auto brick factory:
(a) All materials other than coal 0.15 0.20 0.30
(b) Coal contained in factory building 0.50 0.60 0.75
Open space
(c) Coal in open space (including spontaneous combustion) Dhaka Mofussil
0.80 1.00
3. Auto rice mill 0.65 0.75 0.90
4. Ball pen industry 0.20 0.28 0.46
5. Bamboo goods manufacturers 0.36 0.44 0.61

6. Beehive plant 0.25 0.34 0.42
7. Cable factory 0.20 0.25 0.30
8. Ceramic industry 0.15 0.25 0.35
9. Chanachur factory 0.28 0.38 0.58
10. Chemical industry (other than Pharmaceutical) 0.30 0.40 0.60
11. Chips factory 0.28 0.38 0.58
12. Chira/Muri factory 0.28 0.38 0.58
13. Coal & charcoal industry 0.50 0.60 0.75
14. Dye works 0.25 0.34 0.42
15. Embroidery factory and/or works 0.25 0.34 0.51
16. Flour factory 0.20 0.28 0.46
17. Flower production plant 0.25 0.34 0.42
18. Foam industry 0.27 0.35 0.50
19. Garments waste factory 0.80 0.90 1.30
20. Grease manufacturing industry 0.35 0.45 0.55
21. Handicraft industries 0.11 0.13 0.15

22. Hatchery and nursery 0.08 0.17 0.34
23. Herbal industry 0.15 0.25 0.35
24. LPG/LNG industry 0.24 0.27 0.30
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25. Lubricant oil industry 0.35 0.45 0.55
26. Manufacture of rexin and/or artificial leather manufacturing 0.22 0.31 0.50
industries
27. Mobile hand set/phone set:

(a) Contained in office 0.06 0.08 0.17
(b) Stored in shop 0.15 0.17 0.25
28. Mobile phone & its accessories factory 0.11 0.13 0.15
29. Poly printing & packaging industry 0.17 0.25 0.42
30. Polymer industry 0.17 0.25 0.42
31. Polythene industries 0.20 0.29 0.46
32. Shopping mall 0.15 0.17 0.25
33. Spice factory 0.12 0.15 0.23

34. Sunglass manufacturing industry 0.15 0.20 0.25
35. TV/Fridge Assembling Plant 0.10 0.12 0.15

36. Vegetable processing plant 0.10 0.15 0.20
37. Wig manufacturing industry 0.15 0.20 0.25
Dhaka Mofussil

I II III I II III
ATM booth 0.06 0.08 0.17 0.08 0.16 0.25

Electronic Voting Machine (EVM) 0.40 0.40
Diagnostic & medical imaging center 0.06 0.08 0.17 0.08 0.16 0.25
Ship building industry
a) hand power only 0.25 0.35 0.50 0.30 0.40 0.60
b) other than hand power only 0.40 0.45 0.65 0.45 0.50 0.75
SIM card 0.40 0.40
TV Channel/Media:
a) Contents other than electric 0.06 0.08 0.17 0.08 0.16 0.25
equipment
0.40 -- -- 0.40 -- --
b) Electric equipment
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Open space/open shed
General tariff section 4 (a)
Dhaka Mofussil
Dockyard 0.25 0.30
Ship breaking field (including gas works) 0.25 0.30
Solar power plant 0.15 0.25
Bill board/display board 0.10 0.12
Solar panel 0.08 0.10
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Fire tariff rates within EPZ and outside EPZ of 100% export oriented garments industries (BGMEA)
Fire Premium rate 0.15% 0.20% 0.31%
Allied perils: Premium Rate

Earthquake Fire 0.06% 0.11% 0.11%
Shock 0.06% 0.09% 0.11%
Flood (Building/Machinery) 0.12% 0.21% 0.23%

(Contents) 0.18% 0.24% 0.27%
Cyclone (Building/Machinery) 0.09% 0.21% 0.27%
(Contents) 0.12% 0.27% 0.33%
R&SD 0.09% (All Class)
Malicious Damage 20% of R&SD Premium
Other terms and conditions:
1) The present rates are applicable for 100% Export Oriented Garments Industry
irrespective of whether those are within or outside EPZ.
2) All other general terms & conditions of the tariff will apply in so far as they relate thereto.
3) The above rates do not envisage any package rate.
4) The rates will be applied to valid members of BGMEA only
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Fire tariff rates within EPZ and outside EPZ of 100% export oriented knitwear industries (BKMEA)
Earthquake fire 0.05% 0.10% 0.10%
Shock 0.05% 0.08% 0.10%
(Contents) 0.17% 0.22% 0.25%
(Contents) 0.11% 0.25% 0.31%
1. The present rates are applicable to 100% Export Oriented knitwear Industries whether
those are within or outside EPZ.
2. All other general terms & conditions of the tariff will apply in so far as they relate thereto.
3. The above rates do not envisage any package rate.
4. The rates apply to BKMEA members only
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Fire tariff rates within EPZ and outside EPZ for Bangladesh Textile Mills Association (BTMA)
Earthquake fire 0.05% 0.10% 0.10%
Shock 0.05% 0.08% 0.10%
(Contents) 0.17% 0.22% 0.25%
(Contents) 0.11% 0.25% 0.31%
1. The present rates are applicable for Bangladesh Textile Mills Association (BTMA)
irrespective of whether those are within or outside EPZ.
2. All other general terms & conditions of the tariff will apply in so far as they relate thereto.
3. The above rates do not envisage any package rate.
4. All terms & conditions, warranties, Inspection Regulations & Special conditions of cotton
Mills tariff will apply in so far as they relate thereto.
5. The rates will be applied to valid members of BTMA only
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SME Tariff.
As per Circular No. Gen-11/2006 dated 19.12.2006 and Circular No. Gen-12/2007 dated 20.02.2007
the following special premium rates, terms and conditions will apply for both the ADB aided and the
non ADB aided Enterprises:-
Sector/ item Risk Premium rate
1. Electrical & Electronics Fire 1st Class Building = 0.08%

2nd Class Building = 0.10%
3rd Class Building = 0.12%
2. Software Development & Fire 1st Class Building = 0.34%
Computer 2nd Class Building = 0.42%
3. Light Engineering & metal - Fire 1st Class Building = 0.08%

working 2nd Class Building = 0.10%
4. Agro-Processing/agri-Plantation Fire (A) Rice Mill
agriculture/Specialist
farming/tissue-culture and related 1st Class Building = 0.36%
business 2nd Class Building = 0.43%
Fire (B) Rice Mills (Godown)

1St Class Building = 0.24%
Fire (c) Flour Mill

Fire (d:)I Premium rate for others

5. Leather making and leather goods Fire (A) Leather Making Goods
1st Class Building = 0.18%
Fire (B) Leather goods (Godown)

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SME Tariff. (Contd.)
6. Knitwear and readymade Fire (A) Knitwear

garments
Fire (B) ( I ) Garments

Fire (B) ( ll ) Tailoring (Not exceeding 12 Machine)

7. Plastics and other synthetics Fire (A) Plastics and other synthetics (Hand Power only)
Dhaka Mofussil
1st Class Building=0.10% 1st Class Building= 0.12%
2nd Class Building =0.12% 2nd Class Building= 0.19%
3rd Class Building = 0.19% 3rd Class Building= 0.26%
Fire (B) Plastics and other synthetics (other than Hand

Power)
8 Healthcare and diagnostics Fire (A) Healthcare and diagnostics

Dhaka. Mofussil
1st Class Building= 0.17% 1st Class Building= 0.20%
nd
2 Class Building= 0.20% 2nd Class Building= 0.27%
3rd Class Building= 0.34% 3rd Class Building= 0.41%
Fire (B) Hospital.
Dhaka Mofussil
1st Class Building= 0.05% 1st Class Building= 0.06%
2nd Class Building= 0.07% 2nd Class Building= 0.13%
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SME Tariff. (Contd.)
9. Education Services Fire (A) Publisher including (Printing Press Premises)
Dhaka Mofussil
st st
1 Class Building= 0.14% 1 Class Building= 0.16%
10 Pharmaceuticals/Cosmetics/ Fire Pharmaceuticals/ cosmetics/ toiletries
toiletries
2nd class Building = 0.17%
11. Fashion-rich personal effect Fire Fashionrich personal effects, wear &
wear & consumption goods consumption goods
Dhaka Mofussil
st
1st Class Building= 0.12% 1 Class Building= 0.14%
Allied perils Premium rate
Earthquake Fire 0.05% 0.11% 0.11%

Shock 0.05% 0.09% 0.11%
Flood Building/Machinery 0.12% 0.21% 0.22%
Contents 0.18% 0.24% 0.27%
Cyclone Building/Machinery 0.09% 0.21% 0.27%
Contents 0.12% 0.27% 0.33%
R&SD 0.09% (For All Classes)
Terms and conditions:-

1) The SME Tariff should be divided into two sections:
a) Section 1- The 11 Booster selectors funded under ADB loan.
b) Section 2- All other bank financed non-ADB, 11 booster SME whose value (sum insured) in
not less than Tk.1.5 Crore but not more than Tk.10 Crore.
2) The rate will be applicable only to manufacturing/ production oriented Industries/ plan covered under
SME Tariff.
3) All other general terms & conditions of the tariff will apply in so far as they relate thereto.
Page # 172
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GIN AND PRESS FACTORIES TARIFF
Applicable to premises occupied wholly or partly for Cotton Ginning and Pressing.
CONSTRUCTION AND RATING

(See Building Regulations)
Class I Pucca Class I rates
Class II Ordinary Class II rates
Class III Kutcha-Pucca Class III rates
Class IV Kutcha or Thatched Class III rates plus 100% loading
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GIN AND PRESS FACTORIES TARIFF-(Contd.)
1. Floating Policies :
Where not inconsistent with General Rule No. 24 floating policies covering not more than
three specified risks may be issued at a rate 25 percent higher than the highest rate applicable
to any one of them ; if covering more than three specified risks, than at a rate 50 percent higher
than the highest rate applicable to any one of them.
The foregoing additional charges are not applicable in the case of policies covering in one
amount the contents of more than one godown and/or stocks in the open provided all the risks
covered by the policy(ies) are located in the same compound and are in the sole occupation of
the insured and the highest rate applicable to any one of the godowns and/or stocks in the open
is charged.
2. Short period rates :
Notwithstanding General Rule and Regulation 13, no insurance on buildings and/or

machinery of a working risk can be issued and/or renewed at less than the short period rate for
6 months.
3. Storage of Hay, Fodder, Grass, Bhoosa
All policies under this Tariff are subject to the following warranty: -
Warranted that no hay, fodder, grass, bhoosa, (chaff) or other similar stocks be stored in
the building hereby insured (herein referred to) or in any building communicating therewith
or in the open within 50 feet thereof.
If the above warranty is deleted, then an additional 25% of the Tariff rates become
applicable to hay, grass, bhoosa (chaff)
4. Exclusively other use in Off-Season :
When Cotton Ginning and Cotton Press Factories and used during the off season
exclusively for any other purpose the rates laid down in this Tariff for the insurance of buildings
and machinery will continue to apply.
5. Additional rate for artificial Light :
Item 2, Section 6, General Tariff applies to risks rateable under the Tariff.
6. Rates for silent Factories, also for Buildings under construction or undergoing
alterations or repair :
Section 5. General tariff applies to risks rateable under this Tariff.
N.B.— Engine & Boiler Houses : The rates prescribed in the General Tariff to be applied.
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SECTION 1
GINNING AND PRESSING PREMISES
Not less than Tk. percent

RATES FOR BUILDINGS AND/OR THEIR CONTENTS. per annum
1. Buildings occupied for opening of kappas, ginning 0.32 0.40 0.97

and/or pressing of cotton and machinery therein.
2. Cotton in process or otherwise in press houses. 0.81 0.81 1.29
3. Cotton and/or kappas and/or cotton seeds in process 0.97 0.97 1.29
or otherwise, in Ginning and/or Opener Rooms.
Note :— All policies in respect of stocks under item 2 & 3 are subject to a deductible excess
claim of Tk. 500/- for each and every claim.
SECTION 2
GODOWNS IN GIN AND/OR PRESS FACTORY COMPOUND
Not less than Tk. Percent

RATES FOR BUILDINGS AND/OR THEIR CONTENTS. per annum
1. (i) Cotton Seeds
(ii) Hazardous goods with Warranty B of the General 0.16 0.28 0.78
Tariff.
2. Cotton in fully pressed iron bound bales. 0.32 0.58 1.16
3. Cotton and/or kappas and/or other hazardous goods 0.65 0.97 1.75
(warranted no mineral oil stored).
N.B.—If the warranty is deleted double rates must

be charged.
4. Mineral oils with warranty C of the General Tariff. 0.48 0.73 1.46
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SECTION 3
STOCKS IN COMPOUNDS OR IN WHOLLY OR PARTLY OPEN SHEDS
RATES FOR BUILDINGS AND/OR THEIR CONTENTS. Not less than Tk. percent
per annum
1. Cotton in fully pressed iron bound bales 0.78
2. Loose cotton and/or kappas and other Hazardous Goods 1.16
3. Cotton Seeds 0.39
4. Non-hazardous goods not specially provided for 0.24
5. Mineral oils in drums and/or barrels 0.73
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COTTON MILLS TARIFF
NOTE: 1. To qualify for rating under this Tariff a risk must either: —
(a) Carry out by power the treatment of raw cotton with subsequent processing to the spun
yarn.
OR
(b) If no spinning is done, must contain a minimum of 50 power driven looms.
NOTE : 2. Applicable to godowns and/ or sheds and/or cotton in the open

within the Cotton Mills Compound.

Class III Kutcha-Pucca Class III rates plus 25% loading.
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COTTON MILLS TARIFF —(Contd.)
INSPECTION REGULATIONS
All risks rateable under this Tariff are Subject to Inspections by the inspectors
of the Fire Rating Committee
PROCEDURE
The following procedure must be complied with:
1. The Fire Rating Committee shall be notified immediately by the Offices concerned of all
the above mentioned Tariffs in which they are interested.
2. One copy of the Schedule of such policies shall be submitted to the Fire Rating
Committee, within 21 days of the issue of the policy, but in no case later than three
months from the commencement of risk or renewal date, as the case may be.
3. Schedules must contain the following information:
(a) Full description of each building, compartment or process which is rated separately
together with the warranties applicable to the particular items.
(b) The constructional classification of each item as defined in the Building Regulations.
(c) The section and item number of the appropriate Tariff under which each item has
been rated together with the rate charged showing all Tariff discounts and
additionals.
(d) All Tariff Warranties applicable to the policy.
(e) Each item of the Schedule shall be clearly designated with the plan reference, letter
or number, by which the item has been designated on the plan.
One copy of the plan shall be submitted with the Schedule showing all buildings
insured under the policy and also any other buildings adjacent to, adjoining or
communicating with the insured buildings.
5. No sectional rating benefit be given to any client, without obtaining clearance from the fire
rating committee.
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I NSPEC TI O N REG U L ATI O N S —( Cont d)
PROCEDURE—(Contd)
6. The plans must contain the following information:-
(a) The name, address and occupation of the premises indicated thereon.
(b) The scale of the plan (in no case may this be less than 100' to 1",1/1200).
(c) The Cardinal points showing the North point in accordance with the description in
the Schedule.
(d) The buildings must be clearly designated with the description or plan reference
shown in the Schedule.
(e) All external walls of buildings must be clearly defined.
(f) All Perfect party Walls must be clearly defined and indicated as such.
(g) Fireproof compartments within the mill must be clearly indicated.
7. In the case of storied risks, in addition to the above, elevation drawing and plans of each
floor must be submitted.
8. All alterations to the Schedule and/or plans lodged with the Fire Rating Committee
affecting construction, occupancy or rates must be advised immediately.
9. The Offices shall supply such other information relevant to the foregoing as the Fire
Rating Committee may call for from time to time either on a special form provided for
this purpose or otherwise.
10. The Inspections will normally be carried annually.
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Inspection Regulations—(Contd)
PROFORMA
Sl. No. Details
1. Name of the Risk
2. Description and full Address of the

Risk
3. Name and full Address of the Insured
4. Name of the Office insuring the Risk
5. Period of Insurance From to
6. Total sum insured
Date Signature
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SPECIAL CONDITIONS
1. Floating Policies— Where not inconsistent with General Rule No. 24, floating policies
covering NOT MORE than three specified risks may be issued at a rate of 25 per cent.
higher than the highest rate applicable to any one of them ; if covering MORE than three
specified risks, then at a rate of 50 per cent. higher than the highest rate applicable to
any one of them.
The foregoing additional charges are not applicable in the case of policies covering in
one amount the contents of more than one godown AND/OR STOCKS IN THE OPEN
provided all the risks covered by the policy (ies) are located in the same compound and
are in the sole occupation of the insured and the highest rate applicable to any one of
the godowns AND/OR STOCKS IN THE OPEN is charged.
2. Discount for no night work.— The rates shown in this tariff are inclusive of night work.
Where no night work is carried on, then a discount of 30% of the tariff rates may be
allowed subject to the following warranty being placed on the policy:-
"Warranted that no process of manufacture be carried on between the hours of 10 P.M.

and 6 A.M."(BST)
The discount may be given prorata, but no discount is permissible for casual cessation
of night work as explained in General Rule and Regulation 15.
The discount for no night work is applicable only to Sections 1 and II of this Tariff.
RULINGS
1. Cotton in Open Sheds.- Where cotton is stored in an open shed within 50 feet of both
the blow room and the main building, the higher rate, being that for the blow room, will
apply to both the open shed and the Mill.
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SPECIAL CONDITIONS
MILLS
(To be inserted on all policies issued under this Tariff.)
It is warranted, during the currency of this policy, that:-
A. All Sweepings be removed outside the mill and from all buildings communicating
there-with daily.
B. Smoking or cooking be strictly prohibited except in places specially set apart for such
purposes.
C. No mineral oil be allowed to be used except for the purpose of lubricating and
cleaning machinery.
D. No kutcha built or thatched building be situate within 50 feet or any of the mill
buildings.
E. No cotton and/or waste and/or gunnies and /or hazardous goods be deposited in
open sheds or in the open within 50 feet of any of the mill buildings.
F. No fire-wood be stored within 50 feet of the property insured.
G. No process of manufacture be carried on by artificial light other than electric light.
H. No domestic heating be used inside the mills.
I. There be no wooden flooring over the whole or part of any building or compartment.
Al. Warranted that no process of Cotton raising, flannelette finishing, singeing, dressing,
varnishing or drying of healds or gassing of yarn be carried on.
Note:—When additional rates are charged as per Section ll, the warranty may
be amended by deleting reference to the process concerned.
In the case of throttle or Ring Spinning Mills:-
K. There be not more than two pairs of mules frames used for spinning weft yarn only
therein.
In the case of boiler houses:-
L. No yarn and/or Cotton be dried and/or deposited in the Boiler House.

In the case of Drying Chambers or drying Machine :-
M. No Cotton and/or Yarn is stacked or hung within 10 feet of the Machine or Machines.
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COTTON MILLS TARIFF—(Contd.)
WARRANTIES
Godowns
AA. Warranted that no goods other than cloth and/or yarn and/or finished goods in pressed
bales or cases be deposited.
BB. Warranted that, during the currency of this policy, no cotton except in fully-pressed iron
bound bales or other hazardous goods be deposited in the godown(s) to which this
insurance applies.
CC. Warranted that, during the currency of this policy, no cotton except in fully-pressed bales
or other hazardous goods be deposited in the godown(s) to which this insurance
applies.
DD. Warranted that, during the currency of this policy, no dyeing and/or bleaching
substances including dyes, metals, oxides, acids and salts be stored or deposited.
EE. Warranted that, during the currency of this policy, no hazardous goods other than cotton
and that no oily and/or greasy waste be stored or deposited.
FF. Warranted that, no cotton loose and/or in bales or other hazardous goods be stored or
deposited in the buildings to which this insurance relates or in any building
communicating therewith.
GG. Warranted that, during the currency of this policy, no yarn be deposited for drying
purposes in the godown(s) to which this insurance refers.
HH. Warranted that, during the currency of this policy, no drying of cotton and/or yarn be
done by artificial heat in the godown(s) to which this insurance refers.
JJ. Warranted that, during the currency of this policy, no bales be opened in the godown(s) or
compartment(s) to which this insurance refers.
OPEN
KK. Warranted that, during the currency of this policy, no cotton loose and and/or in bales or
other hazardous goods be stored or deposited within 50 feet of the property and/or goods
insured.
LL. Warranted that, during the currency of this policy, no fire wood or other fuel be stored or
deposited within 50 feet of the property and/or goods.
MM. Warranted that, during the currency of this policy, no cotton except in fully-pressed iron
bound bales or other hazardous goods be deposited within 50 feet of the property
hereby insured.
NN. Warranted that, during the currency of this policy, no cotton except in fully-pressed bales
or other hazardous goods be deposited within 50 feet of the property hereby insured.
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Section 1

Class I Class II
Machinery
Machinery
Building
Building
Stock
Stock
MIXING ROOM:
1. Cotton Mixing and/or storage or deposit of 0.55 0.55 1.50 0.59 0.59 1.67
cotton mixing (i.e. cotton which has been made
into heaps preparatory to being conveyed to the
Blow Room)
BLOW ROOM:
2. Opening, Secutching Blowing and Lint 0.65 1.06 2.08 0.69 1.15 2.26
Recovering subject to warranty that :-
(a) No willowing and/or Cop Breaking and/or

Waste Breaking and/or Thread Extracting
and/or Ginning Machine is used in the
department.
(b) The cotton is fed from the Mixing Room

through an incombustible tube direct into
machines in the Scutching room and or is
fed direct from bales lying on the floor in
close proximity to the machine.
(c) No loose cotton in process is delivered or

allowed to remain on the floor of the
scutching Room except the finishing lap and
the daily requirements for the Feeder and/or
Opener Machines, when they are installed
within the Scutching Room.
WASTE OPENING :
3. Opening, Mixing by Machinery, Scutching, 1.06 1.42 2.48 1.15 1.60 2.66
Blowing, Cop Breaking, Thread Extracting or
VVil lowing.
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Section 1

Class I Class II
Machinery
Machinery
Building
Building
Stock
Stock
Carding :
4. Carding 0.21 0.28 0.28 0.23 0.30 0.30
Spinning :
5. Drawing, Simplex, Combing, Slubbing 0.14 0.19 0.19 0.16 0.21 0.21
Intermediate, Roving, Throttle and/or Ring Spinning
and other processes subsequent to Carding but
previous to Spinning.
Weaving Preparatory, Weaving & Finishing :
6. Doubling, Reeling, Bundling, Baling, Winding,

Warping, Sizing, Weaving, Dyeing, Bleaching, 0.14 0.18 0.18 0.16 0.20 0.20
Printing, Finishing, Calendaring, making and/or any
other process or processes subsequent to Spinning
or connected with Weaving except the processes
referred to in Section 2.
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Section II
Rates for Building and/or their Contents. Not less than Tk. percent
per annum
Class I Class II
1. Artificial Drying of Cotton and/or Yarn
(a) Drying by steam Heat of Beams and/or cheeses 0.23 0.25

only. Warranted the Drying Machines are entirely
enclosed in incombustible material, Subject to
Warranty M
(b) Drying by Steam Heat of Yarn in Machines. Warranted 0.26 0.28

no combustible material used in the construction of the
Machine and that temperature in the Machine not to
exceed 180°F Subject to Warranty M
(c) Drying by Steam Heat of Yarn in Machines. Warranted 0.31 0.35

no combustible material used in the construction of the
Machine but deleting warranty as to temperature.
Subject to Warranty M
(d) Drying to Cotton in Simplex Patent Drying Machines or 0.40 0.44

other similar machine erected on sealed concrete
bases. Subject to Warranty M
(e) Drying of Beams, Cheeses, Yarn and/or Cotton by 0.55 0.59

steam Heat otherwise than in (a) to (d) supra. Subject
to Warranty M
(f) Additional for deletion of Warranty M in risks rateable 0.08 0.10

under items (a) to (e) above.
2. Cotton raising and flannelette finishing. 0.49 0.53
3. Singeing of Cloth -
By Petrol Gas. 0.88 0.97

By Natural Gas. 0.70 0.78
By Electricity. 0.55 0.59
4. Dressing, Varnishing or drying of healds. 0.70 0.78
5. Gassing of yarn by gas jets. 0.95 1.03
6. Tent and/or Durrie making. 0.20 0.22
7. Any process not provided for under this or any other Tariff. To be rated specially on
application.
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Section III
per annum
Class I Class II
1. Height— If any part of a mill be of greater height than Nil 0.06

ground floor, for each additional storey of Class
2 construction.
N.B.—(1) A mezzanine floor or loft should be treated as an

additional storey when calculating this extra.
N.B.—(2) Every storey, whether extending over the whole

or only over part of the area on which the building
stands, the ceiling of which is more than three feet
above the lowest point of the land level or ground line of
the site on which the building stands, is to be
computed in the number of stores.
2. Artificial Heat— If any electric radiators or steam be 0.02 0.04

used for domestic heating inside the mill
amending warranty H as follows:-
Warranted no domestic heating except electric radiators

or steam be used inside the Mills.
Note:— The radiators, whether portable or fixed must in every

instance be protected by a suitable• wire gauze covering.
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Section IV
Godowns and/or sheds
per annum
Class I Class II
1. Cloth, yarn and/or finished goods in pressed bales or cases 0.09 0.15
with warranties AA & LL
2. 2. Allowing the storage of baled cotton, with warranties BB, 0.25 0.32
DD, GG, JJ & LL
3. Allowing the storage of baled Cotton, with warranties CC, 0.37 0.43
DO, GG, JJ & LL
4. Allowing the storage of cotton, with warranties DD, EE, HH, 0.57 0.64
& LL
5. Dyeing and bleaching substances:-
(a) When no cotton stored 0.47 0.53
(b) Allowing storage of cotton 0.74 0.80
6. Non-hazardous goods not provided for in item 1, with 0.25 0.32

warranties FF & JJ
7. Hazardous goods not otherwise provided for with warranty 0.85 0.92
HH
NB — (1) When cotton and/or waste and/or gunnies, (other than in original pressed bales)
and/or other hazardous goods are deposited in open sheds or in the open within 50
feet of any building and/or stack of cotton and/or any other material rateable under
this Tariff, the highest rate applicable to any such risk or risks shall in all cases apply
over all.
NB — (2) Cotton lying in cotton mill compounds in transit to the godowns and/or sheds may be
deemed to be covered by insurance on cotton in the godowns and/or sheds for a
period of 48 hours after the time of its initial arrival in the compounds.
Page # 188
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Section IV
Godowns and/or sheds
Rates for Building and/or their Contents. Not less than Tk.
percent per annum
1. Cotton in fully pressed iron bound bales in the open, with 0.25
warranties LL & MM
2. Cotton in fully pressed bales other than iron bound in the open 0.34
with warranties LL & NN
3. Cotton and/or Gunnies (other than in original pressed bales), 0.50

with warranties DD.EE & LL
4. Cotton in the open, with warranty LL 0.75
5. Piece goods and/or yarn in bales and/or non-hazardous goods 0.14

(except item 6) in the open, with warranty KK
6. Machinery 0.11
N.B.— (1) When cotton and/or waste and/or gunnies,(other than in original pressed bales)
and/or other hazardous goods are deposited in open sheds or in the open within 50
feet of any building and/or stack of cotton and/or any other material rateable under
this Tariff, the highest rate applicable to any such risk or risks shall in all cases
apply over all.
N.B.— (2) Cotton lying in cotton mill compounds in transit to godowns and/or sheds may be
deemed to be covered by insurance on cotton in the godowns and/or sheds for a
period of 48 hours after the time of its initial arrival in the compounds.
Page # 189
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CRITERIA FOR RATING OF COTTON MILLS
Note: - (1) The Criteria shall applicable only to those Mills which have been rated on or
before 31st December 1962.
(2) Mills submitted for rating on or after 1st January, 1963 to be rated strictly as per
Tariff.
(3) In the event the application of the revised Cotton Mills Tariff rated results in an
increased premium for any particular Mill. then it may be submitted to the
Committee for special rating and consideration
(4) Any Mills which get unusually large reductions in the premiums after
implementation of the revised Tariff and Criteria will be specially rated so as to
ensure that the final premium is not less than 75% of the old premium.
(1) For rating under this criteria, the basis of separation will be as follows:
Process Departments:-
Perfect, Substantial or Communicating.
Non-Process Departments:-
Perfect or communicating.
Requirement for Perfect Separation:-
That the dividing wall(s) between the
two adjoining sections must be a perfect party wall (PPW), as defined in the Building
Regulations. Further, any opening(s) provided in the wall, should be protected by approved
Double Fireproof Doors.
Requirements for Substantial Separation:-
The following will be considered as providing substantial separation:-
(i) A solid wall of concrete or stone or burnt brick properly bonded in lime or mortar not
less than 9" in thickness carried upto and flush with the roof. In the event any openings
are provided, then these should be restricted to 3 in number, each having an area not
more than 56 sq. ft. Further, the size of the openings should be limited to 9' in height
and 8' in width and must be provided with close fitting doors on each side of the
opening, preferably of the sliding type and of specifications not less than the
following:—
(a) Doors of non- resinous timber not less than ½" in thickness; or
(b) Doors of galvanized corrugated iron not less than 18 guage on steel framework;
or
(c) Iron or steel doors not less than in thickness; or
(d) Iron or steel doors of sheet metal not less thany thickness on a framework of iron
or steel.
Where no openings are provided in the wall described above, then communication
between 2 adjoining departments may be provided by means of an external corridor
which may or may not be roofed and which should not be more than 6" wide and 9"
high. The doors entering the passage must be at least 15" apart and both entrances
must be protected by at least one door as specified in (a),(b),(c) or (d) above. No
storage of any kind must be permitted in the corridor.
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CRITERIA FOR RATING OF COTTON MILLS —(Contd.)
(2) Main Sections :
For the purpose of criteria,the following items will be considered as constituting "Main
Sections" in a Cotton Mills:—
i) Waste Opening including Roving, Willowing and Thread Extracting.
ii) Blow Room.
iii) Hand Mixing.
iv) Carding.
v) Spinning,Drawing,Simplex and Combing.
vi) (a) Weaving preparatory, (b) Weaving and (c) Finishing.
(3) Perfect Separation Discount:
A discount of 10% will be allowed from Tariff rates where the following lower-rated
sections are perfectly separated from an adjoining higher-rated section (s) as shown:—
(a) If Carding is perfectly separated form all higher-rated departments as shown under (i)
to (iii) of the "Main sections" above.
(b) If Spinning is perfectly separated from all of the higher-rated departments as shown
under (i) to (iv) of the "Main sections" above.
(c) If Weaving preparatory and/or Weaving and/or Finishing are perfectly separated from
all of the higher-rated departments as shown under (i) to (v) of the "Main sections"
above.
N.B.:—For the departments listed under item (vi) of the Main Sections, to qualify for a 10%
perfect separation discount, any one of these departments need be perfectly
separated from adjacent department.
Note:—Perfect separation from singeing and/or Raising Section, will not entitle the insured to
the perfect separation discount, as these are not Main Sections.
(4) Substantial Separation:
Where perfect separation is not provided between different Main Sections, then for the
purpose of rating differential rates as given in Tariff will be permissible to those Main Sections
which are at least "substantially" separated.
(5) Communication:
Where separation between "Main Sections" falls below the criteria for "substantial)
separation i.e. when two departments are said to be "communicating" then the rate to be
applied for the Main Section with the lower book rate. will be the neat rate or book rate
chargeable for the adjoining section, whichever is lower, subject to the following provision.
In the event if either of the first three Main Sections viz., Waste Opening, Blow Room or
Mixing communicate with any of the Main Sections from (iv) to (vi),then the rates for the latter
sections will be loaded by 100%.
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J UTE MI LL S T ARI F F .
APPLICABLE TO THE BUILDINGS AND CONTENTS OF JUTE MILLS.
Note:- The term jute wherever used in this Tariff is to be understood to include
hemp, flax and/or other similar vegetable fiber.

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J U T E M I L L S T AR I F F — ( C o n t d . )
SPECIAL CONDITIONS
1 . Floating Policies: Where not inconsistent with General Rule No. 24 floating policies
covering not more than three specified risks may be issued at a rate of 25 per cent.
Higher than the highest rate applicable to any one of them. lf covering more than three
specified risks, then at a rate 50 per cent higher than the highest rate applicable to any
one of them.
amount the contents of more than one godown and/or stocks in the open provided all the
risks covered by the policy (ies) are located in the same compound and are in the sole
occupation of the insured and the highest rate applicable to any one of the godowns
2. Engine and Boiler Houses, Mechanic, Smithy and Carpenter's Shops :
To be rated as per Industrial Risks Tariff, Section 1, sheet 10.
3. Silent Risks and Buildings in course of construction, alteration or repair :
Section 2, Industrial Risks Tariff applies to risk rateable under this Tariff.
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Warranties
The following warranties, excepting those for cancellation of which an additional

premium shall have been paid, must be inserted in all policies covering buildings and/or
contents of the respective portions of Jute Mill Premises.
MANUFACTURING PREMISES.
It is hereby warranted,
1. No work be carried on between the hours of 10 p.m. and 6 a.m. and all doors and
windows of the buildings be kept closed at night.
N.B.— If this warranty be cancelled, then an additional 50% over normal rates must be
charged.
2. No process by machinery other than a root opener be carried on prior to softening.
3. No pressing of jute cuttings or waste be done.
4. No batching, softening by machinery, carding or any other process by machinery

previous to spinning be carried on.
5. No sack sewing be carried on.
6. No singeing of cloth by gas or electricity be carried on.
7. No more raw material than is required for two day's consumption be deposited within
the Manufacturing Premises at any one time.
N.B.—This warranty does not apply to material bonafide under process of batching.
8. All waste and sweepings from every process and all greasy waste or cloths used for
cleaning machinery be removed daily from the manufacturing premises.
9. No jute or other fibres be deposited in the open compound within 50 feet of the mill
buildings.
N.B.—The presence of jute left over night in trolleys within 50' of any building will not be
considered a breach of this warranty,
10. No kutcha built building be situate within 50 feet of the mill building.
11. No smoking or cooking be carried on in the premises except in buildings specially

set apart for such purposes.
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JUTE MILLS TARIFF—(Contd.)
WARRANTIES—(Contd.)
GODOWNS FOR RAW MATERIALS
12. The godown contains jute in bales only.
N.B.—When this warranty is excepted, the form in which jute is stored must be stated. 13.
not more than 50,000 mounds of jute will be stored in the godown at any one time.
N.B.—When this warranty is excepted, the quantity of jute to be stored must be stated.
And an additional rate of Tk. 0.09 percent shall be charged for each additional
30,000 mounds of storage or part thereof.
14. No work of any kind be carried on except storage or removal of jute.

151 No work be carried on between the hours of 10 p.m. and 6 a.m.
N.B.—Taking in or delivering jute only is not to be deemed night work for the purpose of
this warranty.
16. No artificial light permitted except electric light installed in accordance with the rules
for Electric light installations in Raw jute Godowns situated within the compounds of
jute Mills to be found under 'Miscellaneous Regulation' headed 'Artificial Lighting',para
5 (b).
17. No jute be deposited in the open compound within 50 feet of the godown.
18. There be no kutcha building within 50 feet of the godown.
19. No smoking or cooking be allowed on the premises except in buildings specially set
apart for such purposes.
20. All doors and windows be kept closed at night.
N.B.—However, taking in or delivering jute only during night is permitted.
21. No dunnage of caddis or any other material of a similar inflammable nature be used
within the godown.
Godowns for stores and/or finished goods (as applicable)
22. No goods other than cloth or yarn in pressed bales only or baling hoops be stored or
deposited in the building to which this insurance relates or in any building
communicating therewith.
23. No jute, loose and/or in bales or other hazardous goods be stored or deposited in the
buildings to which this insurance relates or in any building communicating therewith.
24. No jute, loose and/or in bales, be stored or deposited in the building to which this
insurance relates or in any building communicating therewith.
25. No dunnage of caddis or any other material of a similar inflammable nature be used
within the godown.
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SECTION 1
Mill Premises

annum
Class I
(a) Any process by machinery previous to softening. 0.59 0.85 1.19
(b) Any process by machinery for baling jute, cuttings, 0.51 0.76 1.10
waste, etc. for mill purposes, if in compartments or
buildings not communicating with the mill
(c) Any process by machinery for baling jute, cuttings, 0.85 1.27 1.87
waste etc. for mill purposes if in or communicating
with the mill building
(d) Batching softening by machinery, carding or any other 0.17 0.38 0.68
process by machinery previous to Spinning.
(e) Spinning, Winding, Warping, Weaving, Calendaring, 0.13 0.30 0.51

Pressing, Finishing, Dyeing, or making up
(f) Sacksewing (hand or machine) 0.17 0.38 0.59
(g) Singeing by Gas or Electricity 0.68 1.19 1.70
(h) Selecting and/or Assorting of jute by hand and/or 0.93 1.36 2.04
machinery including dust shaking
N.B.— An excess of 5% of the assessed loss with a minimum of Tk.2(two) lakh in respect of
each and every loss.
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SECTION 1
Mill Premises

annum
Class I
Jute Godowns:
(a) Containing only baled jute 0.51 0.68 1.87
(b) Containing baled and/or loose jute and/or jute in 0.68 0.85 1.87
drums
Note:—In either case, warranted to contain not over 50,000

mounds, as per Warranty No.13. An additional rate of
Tk.0.08 percent per annum shall be charged for each
additional 30,000 mounds of storage or part thereof.
2. Finished Goods Godowns :
(a) Containing cloth or yarn in pressed bales only with 0.08 0.21 0.85
warranty 22
(b) Containing cloth or yarn, other than in pressed bales, 0.17 0.25 0.85
with Warranty 23
3. Store Godowns :
(a) Containing only non-hazardous goods, with warranty 0.17 0.25 1.02
23
(b) Otherwise, but with warranty 24 0.34 0.51 1.53
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SECTION 3
Jute peels in Compound owned or rented by Mills situate within 300 feet of the
Mill compound boundary and buildings situate in proximity thereto.
Rates for Building and/or their Contents. Not less than Tk.
percent per annum
1. Peels:
Peels containing not more than 25,000 mounds situated not less 1.36
than 50' from any other peel properly protected on top and sides.
2. Excess Storage :
Peels containing over 25,000 mounds either singly or, where within 0.34
50' of each other, in the aggregate-- for each additional 10,000
mounds or part thereof
3. Protection of Peels :
A peel is properly protected when completely covered by mats or 0.68

tarpaulins laid on the peel without intermediate air space. Peels not
so protected to pay the additional rate of
1. N.B.—(1) Building within 50 feet of peels - All buildings (and their contents) rateable under
this tariff and situate within 50 feet of a peel must carry the same rate as that
applicable to such peel.
N.B.—(2) Jute peels in compound not owned or rented by the Mills or beyond 300 feet of the
compound boundary should be rated under Jute press and jute Godowns Tariff.
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J U TE M I L L S T AR I F F — ( C o n t d. )
SECTION 4
Additional rates
To be charged when applicable
1. Night Work.-- If any process of manufacture be carried on between the hours of 10

p.m.& 6 a.m (cancelling Warranty 1.)
50% over normal rates.
2. Excess Storage.---See relevant items:
(i) Note under item 1, Section 2

and N.B.under Warranty 13,
(ii) Item 2, Section 3.
3. Peels not properly protected.-----See item 3, Section 3.
Page # 199
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JUTE PRESS AND JUTE GODOWN TARIFF
Applicable to all premises used for the assorting, pressing and storing of jute
other than those rateable under the Jute Mills Tariff.
NOTE:—The term jute whenever used in this Tariff is to be understood to include hemp, flax
and/or other similar vegetable fibre not specifically provided for under any other
Tariff.
Class IV Kutcha or Thatched Class IV rates
Offices should comply with Rule 12, General Rules and Regulations.
Special Rating Applications for jute Risks must, in addition to the requirements set out in
Rule 12 of the General Rules and Regulations be accompanied by the following information:-
1. Capacity of individual Godowns, (Length, width and height upto truss-level or upto the
roof level in case of terraced roof buildings should be given).
2. Type of jute stored therein.
3. The owner of the buildings if other than insured.
4. Whether in the sole occupation of the insured or otherwise.
5. The plan to show the occupancy of all buildings within 50' of each godown and
full constructional details of each building indicating the openings, if any, in all walls,
This is to apply to all buildings whether or not forming part of the risk in question.
6. Details of losses sustained in the previous three years.
Page # 200
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JUTE PRESS AND JUTE GODO WN TARIFF—(Contd.)
SPECIAL CONDITIONS
1. Floating Policies: Where not inconsistent with General Rule No. 24 floating policies
covering not more than three specified risks may be issued at a rate of 25 per cent.
Higher than the highest rate applicable to any one of them. lf covering more than three
specified risks, then at a rate 50 per cent higher than the highest rate applicable to any
one of them.
occupation of the insured and the highest rate applicable to any one of the godowns
2. Rates for Silent .and Empty premises and Buildings under Construction: Section 2,
Industrial Risks Tariff applies to risks rateable under this Tariff.
RULINGS
1. Covered Ways: Covered ways consisting of an iron roof on iron frame with no sides of any
description are permitted between press houses and storing godowns over 50 feet away.
2. Jute in open compound: Policies covering jute (except baled goods only) the property of
the insured only, in buildings rateable under Section 1 of this Tariff may extended to cover
such goods lying or in course of being assorted in the compound between sunrise and
sunset without extra charge. It is essential in all cases where policies are so extended to
insert therein warranty A applicable to this section of the Tariff.
3. Night Work: Taking in or delivering jute only is not to be deemed night work within the
meaning of Tariff.
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JUTE PRESS AND JUTE GODOWN TARIFF—(Contd.)
WARRANTIES.
It is warranted, during the currency of this policy, that: —
A. No jute be stacked in peels or in open sheds or be allowed to remain in the open

within 50 feet of any of the insured premises between sunset and sunrise.
B. No jute be allowed on the roofs of the insured premises.
C. No Night Work be carried on between the hours of 10 p.m. and 6 a.m.
D. No artificial lighting by gas, candles, or vegetable oil be allowed between the hours of
10 p.m. and 6 a.m.
E. No artificial lighting by mineral oil or means other than those provided for be allowed
between the hours of 10 p.m. and 6 a.m.
N.B. Notwithstanding the prohibition of night work, lamps in properly enclosed

lanterns may be used by watchman at night or in case of working premises for
necessary repairs to machinery without penalty.
F. No drying by artificial heat be allowed in any of the insured premises or in the open
compound.
G. All doors and windows of the premises be kept closed at night.
H. The compound be swept clean every evening at dusk.
I. Smoking and' cooking be strictly prohibited in or about the premises except in

buildings specially set apart for such purposes.
J. The jute in peels and/or open sheds be properly protected by mats or tarpaulins laid
thereon without intermediate air space.
K. No power other than hand power be used upon the said premises.
L. No Jute other than in pressed bales be stored.
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J UT E PR ESS AN D J UT E GO D OW N AB SO L UT E W AR R AN T I ES.
ATTACHED TO POLICY NO.
It is hereby declared that notwithstanding anything contained to the contrary, the following Warranties are
deemed to be absolute warranties and breach of one or more of them will render this policy void whether
or not such breach is the prime cause of any loss arising under the policy:—
It is warranted, during the currency of this policy, that:-
1. No jute shall be allowed on the roof of the premises used for storage of jute.
2. No drying by artificial heat shall be allowed in any of the premises used for the storage of jute or in open compound.
3. The compound shall be swept clean every evening at dusk.
4. No artificial lighting shall be allowed except when properly protected and closed.
5. All doors and windows of enclosed godowns used for jute storage shall be kept locked at night except when night
work is being carried on.
6. Each godown shall be numbered.
7. The jute in peels and/or open sheds, if stored, shall be properly protected by means of mats or tarpaulins laid
thereon without intermediate space.
8. Smoking and cooking shall be strictly prohibited in or about the premises except in buildings specially set apart for
such purposes.
9. (a) The volume of all new godowns to be constructed shall not exceed 70,000 cubic feet nor shall such godown
contain more than 4,000 pucca bales or 20,000 mounds of jute.
(b) The volume of all new assorting sheds to be constructed shall not exceed 1,00,000 cubic feet, nor shall such a shed
contain more than 20,000 mounds of jute.
10. In the case of all godowns with maximum storage capacity of 4,000 pucca bales or 20,000 mounds of jute, the same
shall be stored in stacks in such a way so that no one stack shall contain more than 2,500 pucca bales or 12,500
mounds of jute.
11. As from 1st October 1969 all existing godowns shall be subject to the following:-
(a) In case an existing godown is larger than 1,30,000 cubic feet, it may be so reduced in size by means of perfect
party-walls that the volume of individual compartment shall not be more than 1,30,000 cubic feet, thus allowing not
more than the maximum storage of 7,000 pucca bales or 35,000 mounds of jute in any one compartment. ln case
the size is not so reduced the maximum storate in the godown shall be limited to 7,000 pucca bales or 35,000
mounds of jute. (A perfact party-wall is a solid wall of concrete or stone or burnt bricks properly bonded in cement,
lime or mortar not less than 13 inches in thickness at any part and carried through and at least 18 inches above the
roof).
(b) While jute is stored no other goods or commodity, other than jute, will be stored.
12. In the case of existing godowns. jute shall be so stored that in any individual compartment, no one stack shall
contain more than 4,500 pucca bales or 22,500 mounds of jute.
13. Stacks of jute in all godowns shall also be subject to the following regulations:-
(a) The fire lane between two stacks shall not be less than 6 feet and shall be permanently marked in colour.
(b) Distance of stacks from the end wall shall not be less than 2 feet. The side lane of 2 feet 2 feet from the end wall
shall be permanently marked in colour.
(c) The distance between the top of stacks and roof trusses or girders shall not be less than 2 feet.
14. (a) All godowns storing upto 4,000 pucca bales or 20,000 mounds of jute shall have a minimum of 6 buckets and
two 2-gallon capacity fire extinguishers, the extinguishers to be always in good working order and buckets filled with
water.
(b) All existing godowns/individual compartments storing in excess of 4,000 pucca bales or 20,000 mounds upto 7,000
pucca bales or 35,000 mounds of jute shall have a minimum of 9 buckets and three 2-gallon capacity fire
extinguishers, the extinguishers to be always in good working order and buckets filled with water.
N.B. Extinguishers may be substituted by buckets in the ratio of 3 buckets to one extinguisher.
15. Adequate firefighting instructions will be given to staff and labour to enable them to prevent and control the spread of fire in addition the
prescribed drills as required under the rules of the Committee will also be carried out.
16. Separate stock registers shall be maintained for each godown or individual compartment. The stock registers shall
be stored in fire proof safes or away from the godown.
17. As from 1st October,1969 all wiring in electrified godowns shall be in screwed metal conduits, the switches being
metal clad and located outside the godown
18. As from 1st May,1970 all godowns shall either have an approach road with a minimum width of 12 feet to allow the
fire brigade to reach the godown or alternatively there shall be storage facilities for adequate water on the premises
in such quantity as is determined by the local Fire Brigade Authorities for which a certificate shall be obtained from
them.
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JUTE PRESS AND JUTE GODOWN TARIFF —(Contd.)
SECTION 1
Jute pressing and assorting premises and godowns.

annum
I II III IV
1. Buildings containing engines and/or boiler and/or 1.27 2.12 2.23 3.57
machinery, also those in which selecting, assorting
and/or pressing of jute and/or rope making and/or
any other process is carried on, subject to warranties
A to I.
0.85 1.53 2.12 3.06
2. Godowns used for storage of jute in pressed
bales, no process of any kind being carried on
therein, subject to warranties A to I & L.
1.02 2.12 3.19 4.04
3. Godowns used for storage of jute loose and/or in
drums, no process of any kind being carried on
therein, subject to warranties A to I.
Peels and
sheds
4. Jute in bales in peels and/or sheds used only for 4.04

storage, subject to all warranties except G,D. & A.
5. Jute loose and/or in peels and/or in sheds, subject

4.46
to all warranties except G.L. & A.
N.B.—Weighing and/ or drumming and/or bundling of jute in import godowns will not be
deemed a process within the meaning of the Tariff but if assorting or any other process
be carried on, the risk must be rated under item I above.
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JUTE PRESS AND JUTE GODOWN TARIFF—(Contd.)
SECTION II - Additional rates.
Rates for Building and/or their Contents. Not less than

Tk. percent
per annum
1. Protection of jute in peels and/or open sheds:- Any stocks not protected 0.34
by mats or tarpaulins laid thereon without inter-mediate space, canceling
warranty J.
2 . Night Work.- If work be carried on therein between the hours 10 p.m. and 0.34
6 a.m. canceling Warranties C & G
N.B.--When an extra premium becomes chargeable for night work, the

additional premium for the period required shall be calculated pro-rata on the
basis of the policy in accordance with General Regulation 15, but the minimum
charge shall be not less than Tk. 0.03 percent.
3. Artificial Lighting:- Item 2, Section 5, General Tariff applies to risks rateable

under this Tariff.
4. Jute in Railway station Premises (Except in jetty Sheds).— In the

event of jute being stored in railway godowns and/or shed and/or in the open
compound in railway premises, an additional charge of 25 percent. must be
made on the rates under items 4 and 5 of section I of this Tariff
N.B—Godowns in railway premises rented and in the sole occupation of one firm will not be
subject to the above extra.
Page # 205
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WOOLLEN MILLS TARIFF
Applicable to the Buildings and Contents of Woolen Mills, Worsted Mills and their Godowns.

Class IV Thatched Class III rates plus 100% loading
SPECIAL CONDITIONS
covering not more than three specified risks may be issued at a rate of 25 percent higher than
the highest rate applicable to any one of them. If covering more than three specified risks, then
at a rate 50 per cent higher than the highest rate applicable to any one of them.
covered by the policy (ies) are located in the same compound and are in the sole occupation of
the insured and the highest rate applicable to any one of the godowns and/or stocks in the
open is charged.
2. Adjoining Risks: When Wool and/or Waste and/or Gunnies other than in original
pressed bales and/or other hazardous goods is/are deposited in open sheds or in the open
within 50 feet of any building or stack of Wool rateable under the Mill Section or the Godown
Section, the highest rate applicable to any such risk or risks shall in all cases apply over all.
3. Engine and Boiler liouses, Workshops and Carpenter's Shops: To be rated as

per General Tariff, Section 3, sheet 25.
4. Silent Mills and Buildings in Course of Construction: Section 5, Sheet

47, General Tariff applies to risks rateable under this Tariff.
Page # 206
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WOOLLEN MILLS TARIFF —(Contd.)
WARRANTIES.
The following warranties, excepting those for cancellation of which an additional premium
shall have been paid, are to be inserted in all policies covering buildings and/or contents of the
respective portions.of Woolen Mill premises.
It is warranted during the currency of this policy that:
A. All sweepings be removed outside the Mill and from all buildings communicating
therewith daily.
B. Smoking or cooking be strictly prohibited except in places specially set apart for such
purposes.
C. No mineral oil be used, except for lubricating and cleaning machinery and for power
provided that vegetable oil with a small mineral oil content are allowed.
D. No kutcha built or thatched building be situated nor firewood be stored within 50 feet
of any of the Mill Buildings.
E. No process in oiled wool by willeying shall be performed except in buildings properly

isolated from the Main Mills.
F. No hazardous goods be stored and no hazardous trade or process be carried

on in the buildings insured under items Nos …………. of this schedule.
G. No wool and/or yarn be dried and/or deposited in the boiler house.
H. No wool and/or yarn be stocked or hung within 10 feet of the machine or machines.
I. No oily or greasy waste be stored in the premises herein mentioned except in

buildings Nos.
J. No process of Manufacture be carried on by artificial light, other than electric light.
K. For heating purposes, no heat other than low pressure steam heat shall be used
inside the Mill.
L. No process of manufacture be carried on between the hours of 10 p.m. and 6 a.m.

Bangladesh Standard time.
M. No singeing be carried on.
Page # 207
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WOOLLEN MILLS TARIFF -(Contd.)
WOOLLEN MILLS, WORSTED MILLS & THEIR GODOWNS.
Rates for Building and/or their Contents. Not less than Tk. percent per
annum
A. WOOLLEN MILLS & WORSTED MILLS

1 Willowing Blending, Mixing, Garneting & Rag Grinding 0.16 0.25 0.42
2. Scribbling, Carding and Condensing: 0.12 0.20 0.29
3. Spinning & all processes subsequent to it: 0.08 0.16 0.25
B. WOOLLEN MILLS GODOWNS:
(situated beyond 20 feet from the Mill premises)
1. Godowns for the storage of Finished Woolen Goods & 0.05 0.14 0.22
Yarn.
2. Godowns for the storage of wool in bales and/or loose & 0.07 0.15 0.24
other non-hazardous goods.
3. Godowns for the storage of clean wool waste, but not 0.14 0.23 0.40
oily & greasy waste:
4. Godowns allowing the storage of hazardous goods: 0.29 0.37 0.54
ADDITIONAL RATES

annum
1. ARTIFICIAL HEAT--If any heating appliances are used 0.21 0.25 0.42
other than steam heated appliances, or if any drying or
heating processes are carried on other than by steam
heat
2. SINGEING (Canceling Warranty M)
By Petrol : 0.44 0.53 0.70
By Gas 0.35 0.43 0.60
By Electricity 0.28 0.36 0.53
3 . N I G H T W O R K - - If any process of manufacture be 50% over normal rates

carried on between the hours of 10.00 p.m. and 6.00
a.m. (B.S.T.) canceling Warranty 'L'
4. ARTIFICIAL LIGHT: As per Section 5, item 2, If any process of manufacture be carried on by

artificial light, other Sheets 135 of the General than electric light, cancelling Warranty J
……….. the tariff.
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FLOUR MILLS TARIFF.
Applicable to the building and contents, as well as goods in the compounds fo Flour Mills.
THESE RATES ARE STRICTLY NETT.

All premises and/or goods rateable under this Tariff are Subject to the General Rules,
Regulations and Conditions laid down by the Rating Committee as well as to the Special
Conditions and Warranties appearing on Sheet 2 of this Tariff.
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FLOUR MILLS TARIFF—(Contd.)
SPECIAL CONDITIONS
1. Policy wording: - not withstanding what is stated in General Rules No. 18, all policies
used under this Tariff must contain the following additional items of description:
(a) The number of storeys in height. Any basement, or ground floor or attic or loft to be
regarded separately as a storey.
(b) The number of pairs of stones discs and/or rollers contained in the mill.
(c) Particulars of the Cleansing machinery, where situate and construction thereof.
2. Explosion risk: explosion risk may be covered at an additional charge of Tk.0.05 percent
where only electric light is used and Tk. 0.11 percent where buildings are lighted artificially
otherwise than by electric light.
3. Whenever reference is made to the words 'Mill rate' it refers to the basic Mill rate plus all
appropriate additional on Sheet 6 et sec.
4. Engine and Boiler Houses: To be rated as per Industrial Risks Tariff, Section 1, Sheet 10.
5. Silent risk and buildings in course of construction, alteration or repair: section 2, Industrial
Risks Tariff applies to risk rateable under this Tariff.
6. Mills having pneumatic separators and dust collectors may be allowed 15% special reduction
in the Mill rate.
WARRANTIES.
To be inserted in all policies covering building and/or contents of a mill where applicable,
according to the rate charged:-
It is hereby warranted, during the currency of this policy that:-
A. The boiler and firing place is situated completely detached from the mill, or in a separate
fireproof compartment or in an adjoining building, any communication with the mill being
protected by approved double iron doors.
B. Not more than three sets of stones or discs, or six sets of rollers be contained in the
premises.
C. No machinery for scouring brushing or cleansing grain to be used in the mill or in any building
or fire proof compartment communicating therewith, unless such communication be protected
by double iron doors.
D. No stive, dust exhaust room be contained within the mill and that no apparatus for collecting
stive or dust from machines other than rollers, purifiers and/or centrifugal be used except
automatic cyclone dust collectors and/or whirl dust collectors strongly constructed of metal.
E. No kilning or other process of drying other than by steam be carried on in the mill or in any
building communicating therewith.
F. No work be done in the mill between the hours of 10 p.m. and 6 a.m.
G. No artificial light except electric light be used in the premises.
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Section 1
Mill premises

I II III I II III
1. Milling Section.
Milling premises and buildings or 0.21 0.25 0.42 0.25 0.34 0.51
compartments communicating
therewith
2. Cl eansi ng Sect i on.
smut or screen rooms used for 0.30 0.38 0.55 0.36 0.44 0.61
scouring, brushing or cleansing
grain vide N.B.2 below -
N.B. 1—The additional rates on Sheet 6 are to be charged when applicable.
N.B. 2—The smut or Screen room may be separately rated under item 2 above provided the
following conditions are complied with--otherwise the mill rate will apply unless the mill
rate is lower than the rate for the smut or screen room under item 2 above:-
(a) If a detached building not communicating with the mill except by a fireproof gangway
with an approved iron door at each end and having no window or opening within 20
feet of any window or opening of the mill.
(b) If a building adjoining the mill but separated therefrom by perfect party wall, and
communicating with the mill only by a fireproof passes not less than 10 feet long with
an approved iron door at each end.
(c) If a fireproof compartment within the mill, and not communicating herewith except by a
fireproof passage not less than 10 feet long with an approved iron door at each end. If
separated from the mill by double iron doors only i.e. without the fireproof passage, the
mill rate must be applied.
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Section II
Granaries and Godowns for the storage of wheat, Flour & Breadstuff
Rates for Building and/or their Dhaka Mofussil

Contents.
I II III I II III
1. Adjoining godowns with the mill and/or

Cleansing Section.
a) Communicating with the mill 0.21 0.25 0.42 0.25 0.34 0.51
and/or Screening Room.
b) Adjoining but separated therefrom by

0.16 0.19 0.28 0.19 0.28 0.45
a Perfect Party Wall and openings
protected by Double iron Doors.
c) Adjoining but separated therefrom by 0.11 0.13 0.21 0.13 0.21 0.30
a Perfect Party Wall with no
openings and/or openings protected
by Double Fireproof Doors.
2. Godowns within 20' of the Mill and/or 0.21 0.30 0.42 0.25 0.34 0.51
smut room.
3. Godowns beyond 20' of the Mill and/or To be rated as per tariff according to occupation
smut room.
N.B.-(1) The additional rates on sheet 6 for height, boilers, drying, night work and lighting are to be
charged on item 1 (a) of this Section when applicable to the Main Mill.
N.B.-(2) Machinery for separating, sifting or riddling grain or for flour dressing may be used in a granary
godown without extra charge.
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Section III
Goods in the open compound
Dhaka Mofussil
Not less than 50' from the Non-Hazardous 0.23 0.27
Mill and/or Smut Room Hazardous 0.51 0.61
Not less than 20' from the Non-Hazardous 0.31 0.36
Mill and/or Smut Room Hazardous 0.61 0.74
Within 20' of the Non-Hazardous Mill rate but not less
Mill and/or Smut Room Hazardous Than 0.61
N.B.—(1) Goods lying in the compound in transit to a godown may be covered under the
insurance on stock in such godown for a period of 48 hours from the time of first
arrival in the compound.
N.B.---(2) Any material stocked or deposited in the open within 20 feet of any building or
buildings or other materials are to be charged the highest rate applicable to any such
building or buildings or other materials and vice versa the highest rate applicable to
any risk within the prescribed distance being in all cases charged.
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Section IV
Additional rates
To be charged when applicable Not less than Tk. percent per annum
Dhaka Mofussil
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Section IV
Additional rates
To be charged when applicable Not less than Tk.
percent per annum
Dhaka Mofussil
1 . Height-If any portion of the mill be over four storeys in height 0.04 0.05
(see Special Condition 1 (a),of this tariff) for each storey above
four
2 . M a c h i n e r y: -
(a) If the mill contains more than three pairs of stones or discs or 0.04 0.05
six sets of rollers canceling warranty B for each additional pair
of stones or discs above
three For each additional set of rollers above six 0.02 0.02
N.B.—Where stones, discs and rollers are in the same mill the
charges to be cumulative, one pair of stones or discs being
deemed as the equivalent of two sets of rollers.
The term "set of rollers" means any number of rollers not
exceeding four, contained in any one box or frame. Where
more than four are so contained the excess above that
number are to be considered as an additional set and charged
for accordingly.
The full number of stones and/or rollers capable of being worked
are to be charged for and not merely those in use at any one
time.
The extra is to be charged in the case of discs and machines which
reduce by means of vertical metal stone or composition discs
without beaters, bosses, studs, ribs, pins or other projections
and which do not reduce by force of percussion.
If the discs do not exceed 12 inches in diameter only half the extra
should be charged.
(b) If any machinery for scouring, brushing or cleansing grains is 0.13 0.15
within the mill or in a building or fireproof compartment
communicating therewith otherwise than by double iron
doors, canceling warranty C.
N.B.—The additional rate under this item is not applicable to
brushing machines used solely for the purpose of dusting or
finishing groats. nor of brush polishing machines working
only on grain which has been previously washed, or
otherwise cleaned on the premises and feeding
automatically and directly the reducing machinery.
(c) If there be within the mill machines which include rollers and 0.04 0.05
discs set in one frame and machines, not provided for in item (a)
but none of which work by force of percussion, for each such
machine.
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Section IV
Additional rates
To be charged when applicable Not less than Tk.
percent per annum
Dhaka Mofussil
3. Stive Rooms:-
(a) If there be within the mill any stive, dust or exhaust room or 0.25 0.31
apparatus for collecting stive or dust in the construction of which
canvas, gunny cloth or other textile material is used. canceling
warranty D
(b) If there be within the mill any stive, dust or exhaust room, or apparatus 0.08 0.10
for collecting stive or dust in the construction of which no textile material
is used, the said apparatus not being an automatic cyclone dust
collector or whirl dust collector strongly constructed of metal, canceling
warranty D
N.B.—The rates under (a) and (b) are not chargeable provided the stive or
dust be collected only from rollers, purifiers and/or centrifugal.
4. Drying:— If kilning or other process of drying other than by steam is 0.17 0.20
carried on in the mill or in any building communicating therewith
canceling warranty E
5. Night work:— If work be done therein between the hours of 10 p.m. 0.17 0.20
and 6 a.m. canceling warranty F
6. Lighting:— If the mill be lighted otherwise than by electric light
canceling warranty G
(a) When lighted by vegetable oil or gas 0.08 0.10
(b) When lighted by mineral oil 0.25 0.31
N.B. (1)— Where oil is used for lighting purposes the following
warranty must be inserted
Warranted that during the currency of this policy the lamps are all in
properly enclosed lanterns, and that the same are filled and trimmed in a
building outside the mill and detached therefrom and that the oil is kept in a
detached pucca godown.
N.B. (2)—Where GAS is used the following warranty must be inserted :-
Warranted that during the currency of this policy all the gas brackets are
fixed without swinging joints and that the lights are protected by wire
guards.
N.B. (3)—When an extra premium becomes chargeable for the use of
artificial light the additional premium for the period required shall be
calculated prorata, on the basis of the policy, but the minimum charge shall
be not less than Tk. 0.02 percent.
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PAPER AND CARDBOARD MILLS TARIFF
Applicable to the Buildings and contents of paper and Cardboard mill.

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PAPER AND CARDBOARD MILLS TARIFF
SPECIAL CONDITIONS
covering not more than three specified risks may be issued at a rate of 25 percent, higher
than the highest rate applicable to any one of them, if covering more than three specified
risks, then at a rate 50 percent higher than the highest rate applicable to any one of them.
covered by the policy (ies) are located in the same compound and are in the sole occupation of
the insured and the highest rate applicable to any one of the godowns and/or stocks in the open
is charged.
2. Stock in the Open: - In the event of any building or stocks in the open and/or in open
sheds being situate within 75 feet of any stock of grass or fiber and/or bamboos defined in
the tariff, the highest rate applicable to any such risk or risks must be applied.
WARRANTIES
It is warranted, during the currency of this policy, that:—
A. No more raw material than is required for one day's consumption be brought into the mill
or deposited therein at any one time.
B. no grass, vegetable fiber, rags, waste of any kind or other hazardous goods be stored in
the building to which this insurance applies or in any building communicating therewith.
C. No rags or waste of any kind be stored in the building to which this insurance applies or in
any building communicating therewith.
D. No goods or materials of any kind except finished paper and cardboard products be stored in
the building to which this insurance applies or in any building communicating therewith.
E. No hazardous goods of any kind or description be stored or deposited in the building to

which this insurance applies or in any building communicating therewith.
F. No split bamboo, vegetable fiber, grass, rags, waste of any kind or other hazardous goods be stored
in the building to which this insurance applies or any building communicating therewith.
G. No vegetable fiber, grass, rags, waste or any kind be stored in the building to which this
insurance applies or in any building communicating therewith.
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PAPER AND CARDBOARD MILLS TARIFF (Contd.)
Section I
Mill Premises
annum
Buildings and/or Compartments used for :-
1. Rag and/or Waste Paper Picking and/or sorting 0.42 0.50 0.67
2. Grass chopping, dusting, willowing,- picking or 0.55 0.64 0.81

other preparatory processes of a like nature.
3. Bamboo and/or wood Crushing 0.20 0.29 0.46
4. Boiling Raw Material, Digesting, Breaking, 0.14 0.22 0.39

Bleaching, Beating, Straining, Potching, Press
Pate, Pulping, Washing and/or any other process
or processes subsequent to Digesting but previous
to paper making and Cardboard Manufacturing
5. Chemical mixing 0.14 0.22 0.39
6. Paper making or paper machining, calendaring, 0.20 0.29 0.46

Finishing, Reeling, Cutting, Packing, Envelope
making and/or any other process or processes
subsequent to paper making and Cardboard
Manufacturing
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Section II
Mill Premises
annum
Buildings used for storage of :-
1. Wood pulp or other non-hazardous material with 0.14 0.22 0.39

Warranty B.
2. Whole Bamboos with Warranty F 0.20 0.29 0.39

3. Split Bamboos with Warranty g 0.42 0.50 0.67
4. Grass or other vegetable fiber not otherwise 0.55 0.64 0.81
mentioned with Warranty C
5. Rags and/or waste of any kind 0.69 0.22 0.39
6. Non-hazardous Mill stores including chemicals wholly 0.14 0.22 0.39

non-hazardous in character with Warranty E
7. Hazardous Mill stores and/or Chemicals and/or other 0.42 0.50 0.67
hazardous goods with Warranty G
8. Finished Goods only with Warranty D 0.14 0.22 0.39
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Section III
Special risks
annum
1. Sodium Sulphate, Caustic, Liquor and Smelt 0.14 0.22 0.39

Recovery and Causticising plants.
2. Electrolysis or Electrolytic Bleach Plants. 0.20 0.29 0.46
3. Bleach Powder Mixing plant (some-times called 0.10 0.19 0.27

Chlorine Dissolution Plant).
0.26 0.35 0.52
4. Lime Slaking Plant.
ADDITIONAL RATES

annum
1. Height: - If any portion of the structure be more than 0.03

two stories (including ground floor, basement and
attic or loft) for each storey above two.
2. Lighting: - As per General Tariff.
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Section IV
Rates for bamboos or stacks grass or fiber in the open and/or open sheds.
Not less than Tk.

percent per annum
1. Whole bamboos situate not less than 75 feet from any other 0.30
building or other goods in the open.
2. Split bamboos; situate not less than 75 feet from any other 0.85
building or other goods in the open.
3. Stack containing not more than 25,000 mounds of grass or fiber, 1.78
situate not less than 75 feet from any other stack and properly
protected.
4. Stacks as (3) above, but not properly protected (vide N.B.2 2.72
below.)
5. Stack containing not more than 25,000 mounds of rags and/or 0.85
waste of any kind situate not less than 75 feet from any other
stack and properly protected.
6. Stacks as in (5) above, if not properly protected (vide N.B. 2

below).
N.B.1. A Loading of 20% should be charged for each additional 10,000 mounds of storage in
excess of 25,000 mounds in a stack. or a combination of stacks within 75 feet of each
other.
In connection with the limitation of 25,000 mounds in items 3, 4, 5 and 6 above, all stacks
that may be within 75 feet of each other shall be regarded, for the purpose of the
additional rate for excess storage (vide note above), as constituting one stack and be
rated accordingly.
N.B.2. A stack is properly protected when completely covered by mats or tarpaulins laid on the
stack without intermediate air space. Stacks not so protected to be rated under item 4 or
item 6 as the case may be.
N.B.3. When a stack or stacks, properly protected is/are within 75 feet of a stack or stacks not so
protected, the whole must be rated as if unprotected.
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Section V
Silent Mills and Buildings in course of construction, alteration or repair
annum
1. Silent Mills 0.10 0.19 0.27
(a) With Warranty J (as per Industrial Tariff)
(b) Without Warranty Rateable according to

Storage
N.B.—Reduction to the silent rate during the currency of a
rate for the period during which the Mill has worked.
2. Buildings in course of construction, alteration or repair (no 0.10 0.19 0.27

process of any kind being carried on therein)
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SAW MILLS TARIFF
Applicable to the Buildings and contents of saw mill premises including
godowns used in connection therewith.

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SAW MILLS TARIFF – (Contd.)
SPECIAL CONDITIONS
Floating Policies 7.— Where not inconsistent with General Rule No. 24 floating policies
covering not more than three specified risks may be issued at a rate of 25 percent higher
than the highest rate applicable to any one of them, if covering more than three specified
risks, then at a rate 50 percent higher than the highest rate applicable to any one or them.
occupation of the insured and the highest rate applicable to any one of the godowns and/or
stocks in the open is charged.
WARRANTY
The following warranty must be inserted in all policies issued under this Tariff (subject to N.B.
below).
Warranted that during the currency of this policy no heap of shavings or refuse be deposited
within one hundred feet of any building insured hereby except that where shavings or refuse are
to be burnt in the boiler firing-place such deposit is allowed but it is further warranted that such
deposit will not exceed one day's consumption.
N.B. :— When the above warranty is not inserted, an additional 50% on the normal Tariff rates
must be charged.
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SECTION I
Mills Premises
annum

Saw Mill Premises, other than godowns rateable under 0.76 0.85 1.19
section II
SECTION II
annum
Godowns beyond 100 feet of a Saw Mill used for the storage of timber or Mill
Stores.
Buildings of one storey in height detached beyond 100 feet 0.34 0.42 0.59
from any Saw Mill and occupied for the storage of timber or
mill stores.
N.B. : Godowns situate within 100 feet of a Saw Mill must be charged the Mill rate.
ADDITIONAL RATES
To be charged in respect of risks rateable under Section 1 and 2, when applicable.
Rates for Building and/or their Contents. Not less than Tk. percent per annum
1. Height. If having any upper storeys. 0.30

The rates prescribed in the General
Tariff to be applied and the prescribed
2. Engine & Boiler Houses. extras to be applied when the Boiler or
Engine House is within 100' of the Saw
Mill building.
The extras prescribed in the General
3. Lighting
Tariff to be applied.
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SECTION III
Timber in the open and in open sheds.
Not less than Tk. percent

per annum
1. Timber in bulk or unhewn logs of not less then 6" x 6" sq. 0.34
or 6" diameter beyond 100 feet of any Saw Mill or of any
stacks of cut timber.
2. Timber other than as above beyond 100 feet of any Saw

0.59
Mill.
N.B.—Timber deposited within 100 feet of a Saw Mill must be charged the mill rate.
SECTION IV
Silent mills and buildings in course of construction, alteration or repair.
Rates for Building Not less than Tk. percent per

annum
0.10 0.19 0.27

1. Silent Mills
(a) With Warranty J (as per General Tariff)
Without Warranty Rateable according to
N.B.—Reduction to the silent rate during the currency of a storage
rate for the period during which the Mill has worked.
2. Buildings in course of construction, alteration or repair 0.10 0.19 0.27
(no process of any kind being carried on therein)
Page # 227
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TEA FACTORIES TARIFF
Note :— All rates mentioned in this Tariff, unless specifically stated otherwise are nett.
CONSTRUCTION.
(as defined in the Tariff Classification except where otherwise described.)
Class I Fireproof or Pucca
Class II Ordinary (including buildings with walls of iron or asbestos

sheeting over wood or iron frame.)
Class III Pucca or iron walls with shingled roof, Kutcha walls with
iron, slated or tiled roof.
Class IV Kutcha walls with wood or shingled roof or Thatched.
N.B.1— Sheds—Shed buildings with one or more sides open are to be rated under Classes II, Ill
or IV according to the construction of the roof and/or the closed in sides.
N.B. 2—An open sided withering house of steel frame with corrugated iron roof is rateable as of
class II construction. If having wooden frame, the building must be rated as of class III
construction.
N.B. 3—Bunglows constructed as below may be regarded as of class III construction under this
tariff and may be rated accordingly, without any special loading under section I of the
tariff :—
Pucca or iron walls with roofs corrugated iron, roofs covered with split bamboos, the
bamboos being laid longitudinally and laterally and woven together.
All premises and/or goods rateable under this tariff are, subject to the General Rules,
Regulations and Conditions laid down by the Rating Committee as well as to the Special
Conditions and Rulings appearing on sheet 2 of this Tariff.
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TEA FACTORIES TARIFF – (Contd.)
SPECIAL CONDITIONS
1. Adjacent Buildings: Two or more buildings within twenty feet of each other of pucca or iron
construction shall be charged the highest rate applicable to any such buildings, except in
the case of building, the walls of which within the prescribed distance are blank or openings
therein protected by iron doors or shutters. All buildings within fifty feet of any Kutcha,
timber built or thatched building to be charged the highest rate applicable in any such
building.
WARRANTIES
A. Warranted that during the currency of this policy:-

1. No coal in excess of 1,000 mounds, wood in excess of 50 mounds or other fuel be
stacked or deposited in the open compound or in open sheds within 50 feet of any
building insured hereby.
2. No hay, straw, grass or other fodder or sun grass be stacked or deposited in the open
compound or in open sheds within 100 feet of any such building.
3. No jungle or growing sun grass be allowed within three hundred feet of any such building.
B. Warranted that during the currency of this policy, the coal and/or coke insured hereby shall
not be stacked in any heap containing more than 1,000 tons or exceeding 10 feet in height
and that a clear space of not less than 10 feet shall be maintained around each heap.
C. It is warranted that no mineral or rock oils or liquid products or mixtures thereof giving off an
inflammable vapour below 159° Fahrenheit (close test) shall during the currency of this
policy be stored or deposited in or within 50 feet of any building, tank, barrels, tines or
drums insured, or the contents of which are insured hereby.
D. Warranted that during the currency of this policy the materials insured hereby not deposited
within 50 feet of any higher rated building.
E. Warranted that during the currency of this policy no hewn firewood be deposited in the open
compound or in open sheds within 50 feet of the properly insured hereby.
F. Warranted that during the currency of this policy no hay, straw, grass or other fodder or sun
grass, be deposited in the open compound or in open sheds within 100 feet of the properly,
insured hereby.
G. Warranted that during the currency of this policy no jungle or growing sun grass, be allowed
within 300 feet of the properly insured hereby.
H. Warranted that during the currency of this policy no coal, or coke be deposited in the open
compound or in open sheds within 50 feet of the properly insured hereby.
I. Warranted that during the currency of this policy no mineral or rock oils or liquid products or
mixtures thereof giving off an inflammable vapour below 150° Fahrenheit (close test) shall
be stored or deposited in the open or in open sheds within 50 feet the properly insured
hereby.
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SECTION I
Estate buildings
annum
I II III IV
Factory used only for fermenting, rolling, firing, sorting, and 0.11 0.14 0.29 0.87
packing.
Note-The assembling of patent tea chest is deemed to be
included in the term "packing" it being understood that no
sawing or other wood working done.
2. Factory used as (1) above, in which withering is also carried on-
(a) When withering is done on racks of incombustible
material (with or without fans) 0.10 0.14 0.29 0.87
(b) When withering is done on racks partly or wholly of
combustible material but no section or pressure fan used for 0.18 0.21 0.36 0.93
withering
(c) Otherwise 0.23 0.29 0.43 1.01
3. Fermenting house, detached 0.11 0.14 0.29 0.87
4. Withering houses, detached, (vide N.B.2 sheet I)--
(a) When racks are of incombustible material (with or without
fans) 0.11 0.14 0.29 0.87
(b) When racks are partly or wholly of combustible material but no
fans used for withering 0.17 0.21 0.36 1.16
(c) Otherwise
0.23 0.29 0.43 1.22
5. Engine. Pump, Boiler, Transformer, Power and Turbine Houses
and Generating Stations, detached. 0.11 0.14 0.21 0.87
6. Carpenter's shops
0.29 0.36 0.58 1.16
7. Blacksmith's shops
0.14 0.21 0.36 1.16
8. Store godowns-
(a) Tea in chest, tea shooks and/or non-hazardous goods
0.14 0.21 0.43 0.87
(b) Oil, fuel or hazardous goods
0.29 0.36 0.58 1.16
9. Garages-
(a) In which no volatile spirit is stored except that contained in the
reservoirs of vehicles stored and in which no filling or 0.14 0.21 0.29 0.72
emptying is done
(b) Otherwise
0.29 0.43 0.58 1.16
10. Bunglows, offices, domestic out-buildings and cooly lines
0.14 0.21 0.29 0.72
NOTE 1.-Bunglows of Class II or III construction if covered or lined
with a thin layer of thatch are rateable at Tk. 0.58 percent.
NOTE 2.-Bunglows of Class III construction with kutcha walls and
corrugated iron roofs covered with bamboo tiles are rateable at Tk.
0.43 percent.
N.B.1-The additional rates on Sheet 4 to be charged is in addition to the above rates, when applicable.
N.B.2-Warranty "A" must be inserted in all policies issued under this Section unless fuel, fodder or jungle be within
the distances laid down in the warranty in which case the appropriate higher rate as provided under
Section 2 must be applied and the warranty modified accordingly.
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ADDITIONAL RATES
Not less than Tk.

percent per annum
1. Height.— If any portion of the factory building be more than two 0.03
storeys in height (i.e. ground floor and one story) for each
additional story or loft
2 . Fi r i n g pl a c e
(a) Where a boiler or drier stove is in a separate structure of No extra charge
brick-stone or concrete with incombustible roof without
opening to the factory except by a single door of hard non-
resinous, wood and having only the minimum openings
necessary for pipes and shafting
(b) Where a boiler furnace is inside or is in a building 0.03
communicating with the factory.
3. Tea shooks or boxes in factory—Tea boxes or shooks stored in 0.03
factory in excess of twenty five percent of the annual
requirements of the estate
Section 2
Fuel and fodder in the open and/or open sheds
Not less than Tk.

percent per annum
1. Coal or coke.
(a) With warranties B, D, E, F & G 0.58
(b) With warranties D, E, F & G 0.87
2. Firewood.
(a) In unhewn Iogs, with warranties D, E, F, G, H & I 0.21
(b) Otherwise with warranties D, F & G 1.16
3. Oil fuel in tanks, drums or barrels
( a ) With warranties C, D, E, F, G & H 0.21
( b ) With warranties D, E, F & G 0.58
4. Hay, straw, grass or other fodder or sun grass. With Warranty G 1.73
5. Jungle. When jungle or growing sun grass is within 2.02
300 feet of any building or of materials stored in the
open, such building or materials, to be rated at.
N.B.—(1) A plantation of trees, shrubs or bamboos from which the under growth is kept clear is not to be
deemed jungle.
N.B.—(2) If any of the prescribed warranties are omitted, the rate to be applied is the highest rate provided
for any of the buildings or materials which come within the minimum distance laid down in the
warranty or warranties. This condition does not apply in the case of buildings of class I or class II
construction in which the walls facing the higher rated risk have no openings whatever, or have such
opening protected by iron shutters.
N.B.—(3) The storage of 1,000 mounds of coal or coke and/or 50 mounds of firewood and/or 10 drums of
diesel oil for current needs iS permitted within a radius of 50 feet without penalty.
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SECTION 3
Silent factories and empty godowns, also buildings in course of construction,

alteration or repair

annum
I II III IV
A. Silent factories (i.e. while the machinery is standing and 0.07 0.11 0.17 0.58
not being worked for manufacturing purposes either
during the non-working or working season) also empty
godowns.
B. Building in course of construction, alteration or repair (no 0.07 0.16 0.17 0.87
process being carried on therein)

N.B.-1. No allowance or return of premium is to be made on a factory becoming silent

except on cancelment of an insurance and after charging the short period rate for the
portion of the year during which it has been in force.
N.B.-2. Warranty "A" must be inserted in all policies issued under this Section unless fuel
fodder jungle be within the distances laid down in the warranty, in which case the
appropriate higher rate as provided under Section 2 must be applied, and the warranty
modified accordingly.
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Regulations for Storage and/or use of Liquid fuel in connection with
TEA DRYING MACHINES :—(Contd.)
1. The fuel must not have a flash point below 150° F. (closed test).
2. All fuel pipes of the installation must be of hard metal and be securely fixed. Galvanised metal
and cast iron pipes must not be used. A short metallic, flexible pipe may be fitted direct to
each burner.
N.B.— Galvanised metal piping may be installed as a temporary measure until such time as solid
drawn or steam or wrought iron piping is available.
3. The bulk storage tank (s) must be situated not less than 50 feet away from any insured
property and must also Comply with the following:—
(a) The tank(s) including manhole(s) or inspection cover(s) must be substantially constructed of
wrought iron or mild steel ungalvanised. The tank(s) must be completely oil tight and tested by
water with a pressure head of 12ft.as from the top of the tank. Any manhole(s) or inspection
cover(s) must be securely fixed by bolts or studs with nuts and made oil tight. A reinforcing
steel or iron ring or stap around the opening must be welded or riveted to the tank and made
oil tight.
(b) The filling pipe must be fitted with a screwed cap and must extend into the tank and be
arranged so as to discharge the fuel horizontally along the side of the tank.lt must be carried
down not less than ⅔ rds of the depth of the tank.
(c) The center line of the outlet pipe must not be within 3 inches of the tank bottom. A sludge
cock or other means of removing sludge must be provided at the lowest point of the tank.
Only solid bottom gland packed plug cocks or gate or sluice type valves may be used.
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Regulations and/or use of Liquid fuel in connection with
(d) Each tank must have a vent pipe of cross sectional area not smaller than the filling pipe
and not less than 2 feet high. The lower end of the vent pipe must be fixed at the top of
tank and the upper end in the open air at least 10 feet above ground Ievel. The upper
end must also be turned down and fitted with a wire cage for protective purposes
(e) The outlet, suction or gravity pipe for filling the service tank(s) must be fitted with a stop
valve, except in the case of a service tank being filled only by a hand pump and such
pump not being gravity fed. The stop valve must be placed as close as possible to the
tank.
(f) An anti-syphon valve must be fitted near the tank on any supply pipe in which fuel could
continue to flow by syphonic action if the valve were absent.
(g) Hydrostatic gauges are recommended as fuel level indicators, Dip rods may only be used in
the case of tanks in the open. If a float gauge is used the cord should pass through a small
hole fitted with a close fitting gland. Gauge glasses must not be used.
4. Daily service tank(s) must be installed and must not be of greater capacity than is required
to hold sufficient fuel for 12 hours working of the drying Machines installed and must also
comply with the following:-
(a) The tank(s) should be outside the building, but may be located inside provided it is not
placed in such a position that any leakage of fuel can reach any heated surface.
(b) The tank(s) must only be filled by a fixed pipe(s) from the storage tank and if filled by a
gravity without a hand pump a stop valve must be fitted as close as possible t o the
tank(s) within easy reach of ground level.
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(c) Each tank must have a vent pipe complying with the requirements of Rule 3(d)
and its upper end must not be within 3 feet of any window or doorway, nor within
10 feet of any chimney opening.
(d) An overflow pipe of cross sectional area not less than 50% greater than that of the
inflow pipe must be fitted and be capable of returning all surplus fuel to the storage
tank. No stop valve must be fitted on the overflow pipe.
N.B.—In case where the storage tank is situated at a considerable distance from the service tank
the overflow piping may be led to a closed oil drum, situated at a safe distance outside the
building, of not less than 40 gallons capacity.
(e) The outlet pipe must comply with Rule 3(c) and be fitted with a stop valve placed as
close to the tank as possible but in a readily accessible position.
(f) The fuel level indicator must comply with Rule 3 (g).
(g) An anti-syphon valve must be fitted complying with Rule 3 (f).
5. In cases where the Drying Machines are situated at opposite sides of the factory
building no fuel pipe(s) must be installed across the factory, but instead, separate
service tanks must be provided for the machines with the supply piping for the same
installed from outside the building. The fuel supply piping to the burners must not be
fitted at ground level or below ground level.
N.B.—Where it is impracticable to have this arrangement piping may be installed across the
factory providing it is securely supported away from any exhaust hot air from the
dryers and so arranged that any leakage of fuel will not reach a heated surface. Such
piping must be insulated with asbestos rope or other non-inflammable medium.
6. Where it is necessary to pre-heat the fuel only one or more of the following systems is
permitted but the system(s) adopted should be so designed that the fuel cannot be heated
above a temperature which is 25°F below its flash point.
(a) Electric oil fuel heater complete with Thermostatic Control and Switch.
Page # 235
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(b) A steam heater jacket fitted to the fuel pipe line.
(c) Steam heating coil(s) fitted inside the Daily service Tank(s).
(d) By radiation from the front of the Stove with all pipes securely fixed. The section of
piping subject to heat must be of the solid drawn seamless steel type having a cut-off
valve or cock at each end of it.
(e) By radiation with a short length of solid drawn seamless steel piping fitted close to the
furnace front inside the furnace and protected by firebricks. A shut-off valve or cock at
each end of the section subject to heat must be fitted.
7. The fuel supply to the burners must pass through an efficient filter on its passage to the
burner.
8. The burner(s) installed must be of an approved type and design and manufactured by a
recognised well-known firm of Oil Burning Specialists their Sole Agents or Agents under
licence.
9. Arrangements must be provide whereby the supply of fuel to the burners automatically cut
off when there is any stoppage of air flow to the burners. Provision must also be made that
the supply of fuel remains cut off, even after the air flow is resumed, until the burners are to
be re-lighted.
10. The air flow pipe to the burners must be bent upwards from the burners in order to prevent
any flow of fuel down the air pipe.
11 No Tea Dryer furnace must be fired after having been shut down without the furnace having
first been thoroughly purged with fresh air by means of a blowing or induced draft fan.
12. Fuel drip trays containing sand, must be fitted immediately below the burners outside the
Drying Machine and these must be thoroughly cleaned daily.
13. The drier must be separated from the heater by enclosing walls of incombustible material to
ensure that the polluted dust from the drier exhaust shall not again be drawn into the air
passages, thereby causing an accumulation of calcined materials at the fan blades and at
the base of the drier.
In cases where it is impracticable with the present layout, to separate the drier as herein
stipulated, arrangements must be made whereby the polluted dust will be exhausted into
the open.
14. An opening must be provided in a suitable position to enable the back of the furnace to be
cleaned in an efficient manner.
15. If there are other fuels in the building in connection with apparatus heated by other fuels,
these must be independent of those used in connection with oil heated furnaces.
16. For each Drying Machine, two buckets of sand and one 2 gallon foam extinguisher must be
installed near the Machine In a conveniently accessible position. The total number of foam
extinguishers available on the premises must not be less than six.
Page # 236
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CYCLONE TARIFF
Applicable to all risks throughout Bangladesh in respect of Hail, Storm, Tempest, Cyclone,
Hurricane, Typhoon and Tornado.
Cyclone Cover may be given as an adjunct to fire policy.
All insurances on premises and/or goods rateable under this Tariff are subject to the General
Rules and Regulations of the Fire Tariff, in so far as they may be applicable.
Page # 237
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CYCLONE TARIFF – (Contd.)
SPECIAL CONDITIONS
1. Subject to the Special Conditions prescribed herein, the General Rules and Regulations
and all other Tariff stipulations and conditions which would apply in connection with the
ordinary fire risk in respect of each Tariff concerned, shall apply in the case of the perils
covered by this Tariff.
2 It is not permissible to cover loss or damage by Hail, Storm, Tempest, Cyclone, Hurricane,
Typhoon and Tornado except by incorporation, or endorsement upon, the policy covering
the ordinary Fire risk. The sum insured must in no case exceed the sum insured on the
identical property by the ordinary fire cover.
3. The following warranty is obligatory on cover granted under this tariff on stocks :
Warranted that the stocks insured hereby are stored and/or stacker on a platform of
concrete or metal or timber or bamboo of a height of not less than 9" (Nine inches) on plinth
level. However, the loss or damage over water level of 9" inches is payable if there is no
dunnage or height of dunnage is less than 9" inches.
Dunnage provision is applicable to godown(s) only.
4. It is not permissible to grant cover against Hail, Storm, Tempest, Cyclone, Hurricane,
Typhoon, Tornado in respect of any building of an inferior construction than class E or in
respect of stocks and/or contents therein or in the open or open sheds.
5. Compulsory excess clause
It is understood and agreed that the Insurer shall only be liable under this clause for the
excess amount of loss or damage directly caused by the perils of Cyclone if the assessed
loss or damage arising out of this peril during any one period of 72 (seventy two)
consecutive hours exceeds 2% of the total sum insured under all Policies in the name of the
insured covering the risk of Cyclone as regards any individual building or any floor therein
including its contents and rents subject to a maximum of Tk. 5,00,000.00 (Taka five lac)
only.
Voluntary excess
25% of the Cyclone losses borne by by the insured. 15% reduction..
50% of the Cyclone losses borne by by the insured. 25% reduction.
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SPECIAL CONDITIONS
6. No Rain water damage is covered unless the insured building is damaged by the direct
force of wind/cyclone
7. No short term cover be allowed.
8. Midterm Cyclone cover may be allowed under Fire Policy as per Cyclone Clause subject to
the mid-term inclusion being made applicable for the whole of the current period of cover and
premium charged for the full year. Such inclusion is, however, subject to no cyclone losses
occurring during the current period up to the date of inclusion of Cyclone risks.
9. No fresh cover be issued during the apprehensive period.
10. Notwithstanding what is stated in condition No. 10 of this policy it is hereby agreed and
declared that in respect of the insurance included by virtue of this endorsement the Insurer
shall not repay the premium or any part thereon chargeable for such insurance if the later
be terminated at the request of the insured before its expiry except under the following
circumstances
"When the fire policy is cancelled and replaced by a new policy including the additional
extraneous peril for an identical or increased amount."
Page # 239
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CYCLONE ENDORSEMENT
ENDORSEMENT ATTACHING TO POLICY NO ………………………………………….. in the
name of …………………………………………………………………………………………………
……………………………………………………………………………………… and declared to
form part thereof, as if written or printed thereon.
In consideration of the payment of an additional premium which is included in the premium

shown on the face of the policy (or in Endorsement No. ), the Insurer agrees that
notwithstanding anything stated to the contrary on condition No. 6 (b) of the policy this insurance
covers loss or damage (including loss or damage by fire) to the property described in the
schedule (subject to the excess clauses & special conditions incorporated hereto) directly
caused by :
A. Hail, Storm, Tempest, Hurricane, Cyclone, Tornado or Typhoon and Tidal bore.
B. Rain, provided the building(s) in respect of which the claim is made or containing the
property in respect of which the claim is made is so damaged by any of the perils
specified in a Supra as to admit rain water to the interior of the said building.
1. PROVIDED ALWAYS :
That all the conditions of this policy shall apply (except in so far as they may be hereby
expressly varied) and that any reference therein to loss or damage by fire shall be deemed
to apply also to loss or damage directly caused by any of the perils which this insurance
extends to include by virtue of this endorsement.
2. The Insurer shall not be liable for any loss or damage caused by rain water whether driven
by wind or not unless the building insured or containing the property insured shall first
sustain an actual damage to the roof or walls of the same by the direct forces of Hail,
Storm, Tempest, Cyclone, Hurricane, Typhoon, Tornado and shall then be liable only for
such damage to the interior of the building or the insured property therein as may be
caused by rain water entering in the building through openings in the roof or walls made by
the direct action of the said perils.
3. EXCLUSIONS :
consequence directly or indirectly of or aggravated by any of the following occurrences,
namely:-
i) Dampness
ii) Earthquake, Tsunami or seaquake and/or volcanic eruption ; or
iii) Clogging and backing up of the sewers and drains impeding outflow of water or any
other substance;
iv) Flood which shall mean :-
a. The over flowing or deviation (erosion included) from their normal channels of either
natural or artificial watercourses.
b. Any flow or accumulation of water on the ground except when such flow or
accumulation be of water emitted from any water supply main, tap, pipe, valve or
the like.
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CYCLONE ENDORSEMENT
v) Consequential loss of any kind.
vi) Metal smoke stacks, awnings, blind signs or other outdoor fixtures of any description
unless specifically mentioned in the policy.
vii) Building in course of construction, reconstruction or repairs unless all out side doors,
windows and other openings are completed and protected against Hail, Storm, Cyclone,
Hurricane, Typhoon and Tornado.
viii) Theft during or after the occurrence of cyclone.
4. In the event of the insured making any claims for loss or damage under this policy in
respect of Cyclone the insured must prove by submitting a certificate, on the occurrence of
Cyclone in the concerned areas from any of the following sources as may be available :-
i) Local Meteorological Office, ii) Gazetted Officer-1, iii) Union Council Chairman.
5. DUNNAGE PROVISION IN RESPECT OF STOCK(s)
Warranted that the stocks insured hereby are stored and/or stacked on a platform of
concrete or metal or timber or bamboo of a height of not less than 9" (Nine inches) on
plinth level. However, the loss or damage over water level of 9" inches is payable if there is
no dunnage or height of dunnage is less than 9" inches.
6. EXCESS CLAUSE :
excess amount of loss or damage directly caused by the perils of Cyclone if the assessed
loss or damage arising out of this peril during any one period of 72 (seventy two)
consecutive hours exceeds 2% of the total sum insured under all policies in the name of
the insured covering the risk of Cyclone as regards any individual building or any floor
therein including its contents and rents subject to a maximum of Tk. 5,00,000.00 (Taka five
lac) only.
7. SPECIAL CONDITION :
Notwithstanding what is stated in condition No. 10 of this policy it is hereby agreed and
circumstances:
"When, the fire policy itself is cancelled and replaced by a new policy including the
additional extraneous peril for an identical or increased amount."
Page # 241
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FLOOD TARIFF
Applicable to all risks throughout Bangladesh in respect of flood.
Flood Cover may be given as an adjunct to Fire Policy.
Rules and Regulations of the Fire Tariff, in so far as they may be applicable.
Page # 242
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FLOOD TARIFF (Contd.)
SPECIAL CONDITIONS
1. Subject to the Special Conditions prescribed herein, the General Rules and Regulations and
all other Tariff stipulations and conditions which would apply in connection with the ordinary
fire risk in respect of each Tariff concerned, shall apply in the case of the perils covered by
this Tariff.
2. It is not permissible to cover loss or damage Flood except by incorporation, or endorsement

upon, the policy covering the ordinary Fire risk. The sum insured must in no case exceed the
sum insured on the identical property by the ordinary fire cover.
3. The following warranty is obligatory on cover granted under this tariff on stocks :
Warranted that the stocks insured hereby are stored and/or stacked on a plafform of
concrete or metal or timber or bamboo of a height of not less than 9" (Nine inches) on plinth
level. However, the loss or damage over water level of 9" inches is payable if there is no
dunnage or height of dunnage is less than 9), inches.
4. It is not permissible to grant cover against Flood in the open or open sheds.
5. Compulsory excess clause
excess amount of loss or damage directly caused by the perils of Flood (as defined under
serial No-2 of this clause) if the assessed loss or damage arising out of these perils exceed
2% of the total sum insured under all policies in the name of the insured covering the risk of
Flood as regards any
individual building or any floor therein including its contents and rents subject to a maximum
of Tk. 5,00,000.00 (Taka five lac) only.
Voluntary excess
25% of the Cyclone losses borne by by the insured. 15% reduction..
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FLOOD TARIFF (Contd.)
SPECIAL CONDITIONS
6. No short term cover be allowed.
7. No fresh cover be issued during the apprehensive period.
8. Midterm Flood cover may be allowed under Fire Policy as per Flood Clause subject to the
mid-term inclusion being made applicable for the whole of the current period of cover and
premium charged for the full year. Such inclusion is, however, subject to no Flood losses
occurring during the current period up to the date of inclusion of Flood risks and also no
apprehensive period being in force in respect of Flood.
9. Notwithstanding what is stated in condition No. 10 of this policy it is hereby agreed and
declared that in respect of the insurance included by virtue of this endorsement the
Insurer shall not repay the premium or any part thereon chargeable for such insurance if
the later be terminated at the request of the insured before its expiry except under the
following circumstances :
'When the fire policy itself is cancelled and replaced by a new policy including the additional
extraneous peril for an identical or increased amount."
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FLOOD ENDORSEMENT
ENDORSEMENT ATTACHING TO POLICY NO. ……………………………………… in the
name of ……………………………………………………………………………………………….
…………………………………………………………………………………………………… and
declared to form part thereof, as if written or printed thereon.
In consideration of the payment of an additional premium which is included in the premium

shown on the face of the policy (or in Endorsement No.), the Insurer agrees that notwithstanding
anything stated to the contrary this insurance covers loss or damage to the property described in
the schedule (subject to the excess clauses & special conditions incorporated hereto) directly
caused by Flood, which shall mean:
i) The overflowing or deviation (erosion included) from their normal channels of either
natural or artificial watercourses.
ii) Any flow or accumulation of water on the ground except when such flow or
accumulation be of water emitted from any water supply, main tap, pipe, valve or the
like.
1. PROVIDED ALWAYS: That all the conditions of this policy shall apply (except in so far as
they may be hereby expressly varied) and that any reference therein to loss or damage by
fire shall be deemed to apply also to loss or damage directly caused by any of the perils
which this insurance extends to include by virtue of this endorsement.
2. DEFINITIONS — Loss occurrence : The word loss occurrence shall mean all individual
losses or damage directly arising out of or occasioned through one event. The duration and
extent of any loss occurrence shall be limited to :
`Any flood or floods that extend beyond 168 hours amy still be considered as one event
UNLESS an intervening period of at least 72 hours elapses during which non-flood
conditions exist. Non-flood conditions are defined as conditions where water levels are
within normal high water marks.'
3. Loss or damage by flooding/inundation caused directly by or as a consequence of

Earthquake is not covered.
4. EXCLUSIONS :
consequence directly or indirectly of or aggravated by any of the following occurrences,
namely:-
i) Hail,Storm, Tempest, Cyclone, Hurricane, Typhoon or Tornado.
ii) Clogging and backing up of the sewers and drains impending outflow of water.
iii) Seepage or leakage from the sewers and drains.
iv) Earthquake, Tsunami or seaquake or volcanic eruption ; or
v) Dampness
vi) Theft during or after the occurrence of flood.
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5. DUNNAGE PROVISION IN RESPECT OF STOCK(s)
Warranted that the stocks insured hereby are stored and/or stacked on a platform of
concrete or metal or timber or bamboo of a height of not less than 9" (Nine inches) on
plinth level. However, the loss or damage over water level of 9t" inches is payable if there
is no dunnage or height of dunnage is less then 9" inches.
6. EXCESS CLAUSE
excess amount of loss or damage directly caused by the perils of Flood (as defined under
serial No-2 of this clause) if the assessed loss or damage arising out of these perils exceed
2% of the total sum insured under all policies in the name of the insured covering the risk of
Flood as regards any individual building or any floor therein including its contents and rents
subject to a maximum of Tk 5,00,000.000 (Taka five lac) only.
7. SPECIAL CONDITIONS
Notwithstanding what is stated in condition No. 10 of this policy it is hereby agreed and
circumstances.
"When the fire policy itself is cancelled and replaced by a new policy including the additional
extraneous peril for an identical or increased amount"
Page # 246
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CYCLONE AND FLOOD TARIFF:—(Contd.)
CLASSIFICATION OF BUILDING CONSTRUCTION.
Walls: Roofs:
Class A
(a) Burnt, Silica or sand lime bricks or stone (a) Reinforced concrete flat terraced type not
set in lime and/or mortar and/or less than 4½‖ thickness.
concrete not less than 9" thick.
(b) Reinforced concrete:
(b) Reinforced concrete (excluding Hollow
Concrete Blocks) not less than 6" thick. (I) Conoidal shell-half elliptic glass face,
(wired glass)
(c) Reinforced concrete frame with
concrete, cement, concrete, cement and (ii) Shell North light rectangular glass
sand, stone or burnt brick panels not face, (wired glass)
less than 6" thick.
(iii) Shell Barrel type minimum
(d) Burnt, Silica or sand lime bricks set in thickness.
lime and/or mortar and/or concrete.
(c) Soorkey, chunam or concrete over tiles
(e) Stone set in lime and/or mortar and/or on beams and/or rafters of iron, steel,
concrete. teak or other hard non-resinous wood.
(f) Reinforced concrete frame with (d) Masonry or brick work, etc. (in which the
concrete, cement concrete, cement and main tie beams only may be of non-
sand stone or burnt brick panels not less resinous timber).
than 4" thick.
(e) Concrete.
N.B.— Hollow clay or Concrete Blocks not less than 4" in thickness are permissible in the
wall of a building having a framework of reinforced concrete or steel encased in
concrete.
Page # 247
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CYCLONE AND FLOOD TARIFF:—(Contd.)

CLASSIFICATION OF BUILDING CONSTRUCTION (contd.)
Walls: Roofs:
Class B
(a) Burnt Silica or sand lime bricks or stone. Corrugated iron and/or corrugated aluminum
and/or corrugated asbestos on steel purlins
(b) Burnt Bricks not less than 9" in thickness and trusses and supported on steel
and an outside bracing of timber filled in framework or RCC framework.
with brick (earthquake protection).
(c) Reinforced concrete, frames with

concrete, cement concrete, cement and
sand, stone or burnt brick panels not less
than 4" thick.
N.B. Hollow clay or Concrete Block not less

than 4" in thickness are permissible in the
walls of building having frame work of
reinforced concrete or steel encased in
concrete.
CLASS C Corrugated iron/aluminum/asbestos on steel

purlins and trusses and supported on steel
Corrugated iron, Corrugated aluminum framework or RCC framework.
corrugated asbestos over iron frame.
CLASS D
Corrugated iron/ aluminum/ asbestos on
Burnt Bricks walls wooden Purlins and truses.
CLASS E
Corrugated iron, Corrugated asbestos, Corrugated iron/aluminum/asbestos on wood

Corrugated aluminum on wooden frame. purlins and trusses
Page # 248
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CYCLONE AND FLOOD PREMIUM RATES
Premium chart for cyclone and flood

Class of Premium on item Chittagong Div Dhaka Div. Khulna Divn. & Rajshahi Syihet Division
constructi Excluding qtr. Including Barisal Divn. Division
on Comilla & greater greater Comilla
Noakhali & greater
Noakhali
Cyclone Flood Cyclone Flood Cyclone Flood Cyclone Flood Cyclone Flood
B/M 0.25 0.08 0.13 0.17 0.17 0.08 0.06 0.17 0.06 0.13
A
Stock except Salt. 0.30 0.13 0.17 0.25 0.25 0.13 0.08 0.25 0.13 0.17
Sugar, Chemical
fertilizer and cement
B/M 0.34 0.13 0.30 0.30 0.30 0.17 0.15 0.34 0.21 0.21
B
Stock except Salt. 0.42 0.17 0.38 0.34 0.38 0.25 0.23 0.38 0.30 0.30
Sugar, Chemical
B/M 0.42 0.17 0.38 0.32 0.38 0.32 0.25 0.34 0.38 0.25
C
Stock except Salt.
0.55 0.19 0.47 0.38 0.47 0.34 0.34 0.38 0.47 0.38
Sugar, Chemical
B/M 0.68 0.21 0.64 0.34 0.64 0.34 0.42 0.42 0.64 0.42
D Stock except Salt. 1.02 0.30 0.89 0.42 0.89 0.42 0.59 0.47 0.89 0.47
Sugar, Chemical
B/M 0.85 0.51 0.72 0.51 0.72 0.51 0.72 0.51 0.72 0.51
E
Stock except Salt.
1.27 0.64 1.06 0.64 1.06 0.64 1.06 0.64 1.06 0.64
Sugar, Chemical
N.B.- The rates in respect of the following stocks should be loaded by 100% :-
CEMENT
CHEMICAL FERTILIZERS
SALT
SUGAR
N.B. for Bangladesh Sugar & Food Industries Corporation 75% loading on stock of
Sugar instead of 100%.
Page # 249
01-10-1997
07-05-2019
EARTHQUAKE TARIFF
Applicable to all risks throughout Bangladesh

in respect of Fire Damage caused by Earthquake
and Fire and Shock Damage caused by Earthquake
Note: It is only permissible to cover:
(i) Fire Damage caused by Earthquake in conjunction with an equivalent insurance against
Ordinary Fire; and
(ii) Damage caused by Earthquake Shock in conjunction with an equivalent insurance

against Ordinary Fire and Earthquake Fire risks.
(See Special Condition)
Rules, & Regulations of the fire Tariff, in so far as they may be applicable, as well as to the
Special Conditions, Clauses and Endorsements on sheets 2 and 3 of this Tariff.
Page # 250
01-10-1997
07-05-2019
Bangladesh Earthquake Map
Page # 251
01-10-1997
07-05-2019
EARTHQUAKE TARIFF (Contd.)
SPECIAL CONDITIONS
1. Subject to the Special Conditions prescribed herein. the General Rules and Regulations
and all other Tariff stipulations and conditions which would apply in connection with the
ordinary fire risk in respect of each Tariff concerned, shall apply in the case of
earthquake risk.
2. It is not permissible to cover loss or damage by fire occasioned by or through or in

consequence of Earthquake, except by incorporation, or endorsement upon, the policy
covering the ordinary Fire risk except as provided for in special condition No.3. The sum
insured must in no case exceed the sum insured on the identical property by the ordinary
fire cover.
3. Loss or damage by fire and shock occasioned by or through or in consequence of

Earthquake may be covered under a separate policy issued in conjunction with the policy
covering the ordinary fire risk, or by incorporation in, or by endorsement upon, the policy
covering the ordinary fire risk. The sum insured must in no case exceed the sum insured
on the identical property by the ordinary fire cover.
4. Except as specially provided for hereunder it is not permissible to cover loss or damage
by shock occasioned by or through or in consequence of Earthquake except in
conjunction with an equivalent insurance against Earthquake Fire risk and in conjunction
with an insurance against Ordinary Fire risk for an amount at least as great as the
Earthquake Fire and Shock cover.
SPECIAL PROVISION. Foundations may be covered against only Earthquake Shock or

Earthquake fire and Shock risks. lf the foundations are included in the Earthquake Fire and
Shock risks and not in the Ordinary Fire risk. the sum insured on a building covering the
Earthquake risks may exceed the sum insured on the Ordinary Fire risk, with the stipulation
that the sum insured against Earthquake risks on that portion of the building above the
ground level should be the. Same as the sum insured against Ordinary Fire risk and that the
foundations must be insured under a separate item.
Page # 252
01-10-1997
07-05-2019
CLAUSES
The following clauses shall be inserted in all policies covering contingencies to which this
Tariff refers:-
1. Excess Clause.
It is understood & agreed that the insurer shall only be liable under this clause for loss or
damage caused by Earthquake (other than loss or damage by fire so caused) if the ascertained
loss or damage sustained by the insured in respect of property hereby insured exceeds 2% of
the sum insured as regards any individual building including its contents & rents subject to a
maximum of Tk. 5,00,000/. (Taka Five Lac) only on each & every loss.
N.B.- This clause is not applicable to goods and/or materials stored or lying in the open.
ENDORSEMENTS.
The following endorsement wordings shall be obligatory in all cases where earthquake
risks are included by means of the endorsement of an ordinary fire policy:-
1. Where Earthquake Fire Cover is Granted
"In consideration of the payment by the Insured to the Corporation of the sum of additional
premium, the Corporation/Company agrees notwithstanding what is stated in the printed
conditions of this policy to the contrary, that this insurance covers loss or damage by fire to any of
the property insured by this policy occasioned by or through or in consequence of earthquake."
2. Where Earthquake Shock risk is also included.
"In consideration of the payment by the Insured to the Corporation/Company of the sum of
additional premium, the Corporation/Company agrees notwithstanding what is stated in the
printed conditions of this policy to the contrary, that this insurance covers loss or damage
(including loss or damage by fire) to any of the property insured by this policy occasioned by or
through or in consequence of earthquake.
Provided always that all the conditions of this policy shall apply (except in so far as they may be
hereby expressly varied), and that any reference therein to loss or damage by fire shall be
deemed to apply also to loss or damage directly caused by any of the perils which this insurance
extends to include by virtue of this endorsement."
Page # 253
01-10-1997
07-05-2019
Classification of Buildings, Construction.

CLASS "A"- Buildings with walls constructed of reinforced concrete, or having a
reinforced concrete frame with brick and/or stone and/or concrete panel
walls, also buildings with walls of brick and/or stone and/or concrete
having a structural Steel frame throughout and buildings having walls of
hollow concrete blocks with steel frame (see also definition of Class 'C'
below).
CLASS "B"- Buildings with walls constructed entirely of burnt bricks not less than 9" in
thickness and with an outside bracing of timber filled in with brick
(earthquake protection) and buildings with walls of putcha bondi, ekra,
dudjie, brick nogging, wood and/or metal and/or open sheds. Also buildings
of steel framework with corrugated asbestos cement sheeting walls and
roofs. Also buildings with walls of 'Reedboard' (Treated).
CLASS "C"- Buildings with walls of fireproof and/or pucca construction having no structural
steel framework and buildings having wall of hollow concrete blocks without
steel framework.
CLASS "D"- Buildings with walls of unburnt brick and/or mud, and buildings other than as
provided for above
Materials in Open.
Goods and/or materials stored or lying in the open to be rated under Class "A".
Earthquake Zones.
ZONE I — Green
ZONE II — Yellow Shaded areas in the Earthquake Map.
ZONE Ill — Pink
RATES
Rates for buildings and/or open sheds including contents thereof.
NOT LESS THAN TAKA PERCENT PER ANNUM
Zone I Zone II Zone III
Fire Shock Fire Shock Fire Shock
Class "A" Risks 0.15 0.15 0.08 0.08 0.03 0.03
Class "B" Risks 0.21 0.21 0.15 0.13 0.08 0.06
Class "C" Risks 0.15 0.21 0.08 0.15 0.03 0.08
Class "D" Risks 0.21 0.26 0.15 0.24 0.08 0.12

N.B.1. Buildings having roof of thatch are rateable under their respective classes according to the
construction of the walls but are subject to an additional loading of 0.11 percent for the
Earthquake Fire risk.
N.B.2. No discount for F.E.A. is allowable.
Page # 254

Bangladesh Fire Tarrif Effective From 07.05.19

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Bangladesh Fire Tarrif Effective From 07.05.19

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Insurance Development & Regulatory Authority, Bangladesh 01-06-1975

1. Tariffs Binding upon all the non-life insurers

10. Rating of Risk in Multiple Occupation

13. Short Period Insurances and Short Period scale.

14. Insurance for Broken Periods:

4. All insurance under this Policy

23. Reinstatement Policy.

4. This Memorandum shall be without force or effect if :-

24. Floating Policies.

27. Special Conditions for Declaration Policies.

GENERAL RULES AND REGULATIONS — (Contd)

(c) The highest value at risk during the month.

GENERAL RULES AND REGULATIONS — (Contd.)

28. Electrical Installation.

32. Agreed Mortgage Clause, Fire section.

Attaching to & forming part of the policy no.

1.a. It is hereby declared and agreed:

33. Improvement or enhancement of Risk.

(1) EXPLOSION COVER

The following endorsement must be used:-

STANDARD EXPLOSION ENDORSEMENT

ENDORSEMENT NO. ………………. EXTENDING THE INSURANCE under policy No ………

Loss of or damage to the property insured by fire or otherwise directly caused by

hereof any loss or damage by explosion as aforesaid shall be deemed to be loss or

In any action, suit or other proceeding where the Corporation/Company alleges

(2) AIRCRAFT DAMAGE

(1) ARCHITECTS' FEES CLAUSE

2. As an alternative to the adoption of the full "Other Contents" Clause.

3. Otherwise than by means of an "other Contents" Clause.

40. STOCKS IN THE OPEN.

GOODS IN OPEN OR IN OPEN SHEDS:

42. TARIFF REDUCTION.

There shall be no Tariff reduction for all clients.

43. ENDORSEMENT WORDINGS.

IMPACT DAMAGE COVER:-

In consideration of the payment of an additional premium Tk………………., it is hereby agreed

BURSTING OF PIPES COVER:-

In consideration of the payment of an additional premium Tk……………….., it is hereby agreed

In consideration of the payment of an additional premium Tk……………………….., it is hereby

In consideration of the payment of an additional premium Tk…………………….., it is hereby

―Loss or damage resulting from Earthquake, Natural Landslip, Volcanic, Eruption,

44. Premium Rates for Additional Perils:-

45. ABOUT EXCESS IN SOME CASES.

Attaching to and forming part of policy no ………………………………………………………………

46. RATES, TERMS AND CONDITIONS APPLICABLE TO RISK EXCEEDING COUNTRY

(See "Building Regulations" Section of Tariff.)

(a) Petroleum products storage.

(b) Furnaces and/or internal Combustion Engines.

(c) Mobile Goods Handling Appliances Powered by Petrol or Diesel or

(d) Storage of Petrol where Singeing is carried on the finishing Section of a

4. CINEMATOGRAPH and similar machines.

6. STORAGE and/or USE OF CALCIUM CARBIDE (Acetylene Gas).

7. ELECTRICAL HANDLING GEAR.

(a) Overhead Travelling Cranes and Runways ;

8. MOTOR CAR and CYCLES.

9. BATTERY SERVICE STATIONS.

10. SULPHUR STORAGE IN THE OPEN.

2 (a) Petroleum Products Storage.

REGULATIONS APPLICABLE ONLY TO KERBSIDE OR OTHER

REGULATIONS APPLICABLE TO STORAGE OTHER THAN

2 (b) Furnaces and/or Internal Combustion Engines.

2 (b) Furnaces and/or Internal Combustion Engines (contd.)

Storage Tanks, Service Tanks and engine Feed Tanks.

(a) It must not be placed on or over the roof of any building.