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1. Defense Costs: Additional section detailing coverage for legal defense costs, used when this is offered as a separate coverage element

2. Cross-Liability: Used when multiple insureds are covered, explaining how the policy applies between different insured parties

3. Retroactive Coverage: Include when offering coverage for incidents that occurred before the policy start date

4. Extended Reporting Period: Details conditions for extending claim reporting period beyond policy expiration, included for claims-made policies

5. Risk Management Services: When the insurer provides additional risk assessment or management services

6. Territorial Limits: Required when coverage extends beyond India or needs specific territorial restrictions

7. Subrogation Rights: Detailed section on insurer's rights to recover losses from third parties, used in complex commercial policies

1. Schedule A - Premium Calculation: Detailed breakdown of premium calculation, including any variable factors

2. Schedule B - Covered Locations: List of specific locations covered under the policy, if applicable

3. Schedule C - Claims History: Declaration of previous claims and incidents

4. Schedule D - Risk Assessment: Details of risk assessment and current risk management measures

5. Appendix 1 - Claims Documentation Requirements: Detailed list of documents required for different types of claims

6. Appendix 2 - Emergency Response Procedures: Step-by-step procedures for emergency situations and immediate claim reporting

7. Appendix 3 - Policy Endorsements: Any specific endorsements or modifications to standard coverage