Are (i) Cessation of work which is similar to the exclusions under RSMTD Clause of Standard Fire and Special Perils Policy i.e., mere inaction by employees in furtherance to demands; (ii) Failure of utilities like water, gas and power supply (iii) Operation of the plant beyond design specification and capacity ratings. (iv) Normal wear and tear (v) Defective design (vi) Leakage of overflow of contents is not considered a direct damage. Hence, excluded. (vii) Seepage and Pollution. However, deliberate damage to insured property in order to prevent or mitigate the pollution hazard or threat resulting directly from a damage to property insured is covered. Excluded property is similar to Industrial All Risks Insurance. Add On covers available. Capital addition to the extent of 5% automatically covered. Shut down and startup costs covered. The policy also covers increase or decrease in value up to 10% without any adjustment in premium. Business interruption and marine covers follow the coverage under the respective policies.