Common use of General Exclusions and Limitations Clause in Contracts

General Exclusions and Limitations. Unless otherwise stated in these Terms and Conditions, the insurance does not apply to any losses caused by, or as a result of, contributed to or arising from, whether direct or indirectly: (a) Force majeure Including war (whether declared or not), acts of war, cyber warfare, violation of neutrality, civil war, riots or civil unrest, insurrection or revolution, strikes, lock-outs, government intervention, natural disasters, epidemics and pandemics. (b) Nuclear Risks Including the intentional or unintentional release of nuclear energy, as well as the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component thereof. (c) Terrorism Including cyber terrorism as well as the intentional or unintentional consequence of the spreading of biological, chemical, biochemical or nuclear agents or materials in connection with terrorist acts. Whether an act is deemed to be terrorism, is decided solely by the relevant authorities. (d) Intentional, gross negligence and/or criminal acts Your intentional or grossly negligent acts or omissions, including criminal acts.