Agreements whereby liability insurers agree to pay and the owners or insurers of fixed property agree to accept, a state proportion of damage to the property caused by an insured vehicle, without regard to legal liability. Impact Damage due to Insured’s own Rail/Road Vehicles, Fork Lifts, Cranes, Stackers and the like and articles dropped therefrom, Add On peril under Standard Fire and Special Perils Policy (Material Damage) : On payment of additional premium the Policy is extended to cover loss and or damage caused to insured’s property by insured’s own rail/road vehicles, fork lifts, cranes, stackers and the like and articles dropped therefrom.