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1. Subrogation Rights: Used when the insurer wishes to reserve the right to pursue third parties who may be responsible for losses

2. Reinsurance Provisions: Included when the primary insurer transfers part of the risk to reinsurers

3. Group Coverage Extensions: Used when coverage extends to subsidiaries or affiliated companies

4. Defense and Settlement: Included when the indemnity includes obligation to defend claims and control settlements

5. Currency Provisions: Required when dealings involve multiple currencies

6. Sanctions Clause: Needed when there's potential for international business affecting sanctioned countries

7. Broker Provisions: Required when insurance is arranged through a broker

8. Data Protection Clause: Detailed section needed when significant personal data processing is involved

1. Schedule A - Coverage Details: Detailed breakdown of specific risks covered and associated limits

2. Schedule B - Premium Calculation: Detailed premium calculation methodology and factors

3. Schedule C - Claims Documentation Requirements: List of required documents and evidence for claims

4. Schedule D - Excluded Territories: List of geographical areas where coverage doesn't apply

5. Schedule E - Prior Claims History: Declaration of previous claims relevant to the coverage

6. Appendix 1 - Risk Assessment Report: Initial risk assessment forming basis of coverage

7. Appendix 2 - Claims Forms: Standard forms for claims submission

8. Appendix 3 - Policy Endorsements: Any modifications or additions to standard coverage