{"component": "clause", "props": {"groups": [{"snippet": "This Contract shall not guarantee disabilities arising from:", "samples": [{"hash": "biDqNrJjPqw", "uri": "/contracts/biDqNrJjPqw#excluded-risks", "label": "Insurance Contract", "score": 26.1348391513, "published": true}, {"hash": "kMgrVjCjlV9", "uri": "/contracts/kMgrVjCjlV9#excluded-risks", "label": "Insurance Contract", "score": 24.9958932238, "published": true}, {"hash": "kS67VVLz1UO", "uri": "/contracts/kS67VVLz1UO#excluded-risks", "label": "Life Insurance Contract", "score": 23.4031485284, "published": true}], "size": 4, "snippet_links": [{"key": "this-contract", "type": "clause", "offset": [0, 13]}], "hash": "bdd153cac07aee5fa97f7144a521c833", "id": 1}, {"snippet": "This Contract shall not guarantee situations of Involuntary Unemployment arising from:", "samples": [{"hash": "biDqNrJjPqw", "uri": "/contracts/biDqNrJjPqw#excluded-risks", "label": "Insurance Contract", "score": 26.1348391513, "published": true}, {"hash": "kMgrVjCjlV9", "uri": "/contracts/kMgrVjCjlV9#excluded-risks", "label": "Insurance Contract", "score": 24.9958932238, "published": true}, {"hash": "kS67VVLz1UO", "uri": "/contracts/kS67VVLz1UO#excluded-risks", "label": "Life Insurance Contract", "score": 23.4031485284, "published": true}], "size": 4, "snippet_links": [{"key": "this-contract", "type": "clause", "offset": [0, 13]}, {"key": "involuntary-unemployment", "type": "definition", "offset": [48, 72]}], "hash": "2e9ce408885420d94f7010cee366de6b", "id": 2}, {"snippet": "This Additional Cover shall not guarantee disabilities arising from:", "samples": [{"hash": "biDqNrJjPqw", "uri": "/contracts/biDqNrJjPqw#excluded-risks", "label": "Insurance Contract", "score": 26.1348391513, "published": true}, {"hash": "kMgrVjCjlV9", "uri": "/contracts/kMgrVjCjlV9#excluded-risks", "label": "Insurance Contract", "score": 24.9958932238, "published": true}, {"hash": "kS67VVLz1UO", "uri": "/contracts/kS67VVLz1UO#excluded-risks", "label": "Life Insurance Contract", "score": 23.4031485284, "published": true}], "size": 4, "snippet_links": [{"key": "additional-cover", "type": "definition", "offset": [5, 21]}], "hash": "be97d2d8d9260b9aaea9623215137da9", "id": 3}, {"snippet": "Apart from the situations provided for in article 3 of the General Conditions, this Additional Insurance shall not guarantee as well serious illnesses arising from:\na) Illnesses predating the acceptance of the insurance;\nb) All secondary illnesses or tumours associated to the acquired immunodeficiency syndrome or correlated thereto;\nc) Wounds or injuries caused by acts of hijacking, uprisings, insurrection, riots, brawls, terrorism or sabotage, regardless of the place where these events occur and of their interveners, provided that the Insured/Insured Person takes an active part therein, except in case of legitimate defence;\nd) Illness accompanied of HIV infection;\ne) Any illness and/or surgical procedure not defined in this Additional Cover;\nf) Alcoholism and the use of drugs not medically prescribed;\ng) An accident, if the Insured/Insured Person is responsible therefor and has a blood alcohol level over 0.50 g/l, or if s/he used toxic drugs, narcotics or psychotropic substances not medically prescribed. It is considered that the Insured/Insured Person was under the influence of toxic drugs, narcotics or psychotropic substances whenever the presence of any of them is detected in his/her organism or in any organic fluid for detection tests;\nh) Directly or indirectly from an action of which the Insured/Insured Person is the author or an accomplice, as well as his/her attempted suicide.", "samples": [{"hash": "kMgrVjCjlV9", "uri": "/contracts/kMgrVjCjlV9#excluded-risks", "label": "Insurance Contract", "score": 24.9958932238, "published": true}, {"hash": "kS67VVLz1UO", "uri": "/contracts/kS67VVLz1UO#excluded-risks", "label": "Life Insurance Contract", "score": 23.4031485284, "published": true}, {"hash": "88XMM5Cnfdm", "uri": "/contracts/88XMM5Cnfdm#excluded-risks", "label": "Individual Life Insurance Contract", "score": 22.9514031485, "published": true}], "size": 3, "snippet_links": [{"key": "article-3", "type": "definition", "offset": [42, 51]}, {"key": "the-general-conditions", "type": "definition", "offset": [55, 77]}, {"key": "additional-insurance", "type": "definition", "offset": [84, 104]}, {"key": "the-insurance", "type": "clause", "offset": [206, 219]}, {"key": "acquired-immunodeficiency-syndrome", "type": "definition", "offset": [277, 311]}, {"key": "caused-by", "type": "clause", "offset": [357, 366]}, {"key": "provided-that", "type": "clause", "offset": [524, 537]}, {"key": "the-insured", "type": "clause", "offset": [538, 549]}, {"key": "insured-person", "type": "clause", "offset": [550, 564]}, {"key": "active-part", "type": "definition", "offset": [574, 585]}, {"key": "in-case-of", "type": "clause", "offset": [602, 612]}, {"key": "hiv-infection", "type": "definition", "offset": [659, 672]}, {"key": "surgical-procedure", "type": "definition", "offset": [696, 714]}, {"key": "not-defined", "type": "definition", "offset": [715, 726]}, {"key": "additional-cover", "type": "definition", "offset": [735, 751]}, {"key": "use-of-drugs", "type": "clause", "offset": [775, 787]}, {"key": "an-accident", "type": "clause", "offset": [817, 828]}, {"key": "psychotropic-substances", "type": "definition", "offset": [971, 994]}, {"key": "under-the-influence", "type": "clause", "offset": [1074, 1093]}, {"key": "directly-or-indirectly", "type": "clause", "offset": [1264, 1286]}, {"key": "the-author", "type": "definition", "offset": [1341, 1351]}, {"key": "attempted-suicide", "type": "clause", "offset": [1389, 1406]}], "hash": "b562513c7a52ef35cc4a878e15ee5c0b", "id": 4}, {"snippet": "3.1 The Death cover provided for under this contract shall take effect regardless of the cause of death, except in the cases where the decease is caused by:\na) Intentional acts of which the Policyholder, the Insured/Insured Person or the Beneficiary are material or moral authors or accomplices, causing the triggering of the underwritten covers;", "samples": [{"hash": "kS67VVLz1UO", "uri": "/contracts/kS67VVLz1UO#excluded-risks", "label": "Life Insurance Contract", "score": 23.4031485284, "published": true}, {"hash": "88XMM5Cnfdm", "uri": "/contracts/88XMM5Cnfdm#excluded-risks", "label": "Individual Life Insurance Contract", "score": 22.9514031485, "published": true}], "size": 3, "snippet_links": [{"key": "cover-provided", "type": "clause", "offset": [14, 28]}, {"key": "under-this-contract", "type": "clause", "offset": [33, 52]}, {"key": "cause-of-death", "type": "clause", "offset": [89, 103]}, {"key": "the-cases", "type": "clause", "offset": [115, 124]}, {"key": "caused-by", "type": "clause", "offset": [146, 155]}, {"key": "intentional-acts", "type": "clause", "offset": [160, 176]}, {"key": "the-policyholder", "type": "definition", "offset": [186, 202]}, {"key": "the-insured", "type": "clause", "offset": [204, 215]}, {"key": "insured-person", "type": "clause", "offset": [216, 230]}, {"key": "the-beneficiary", "type": "clause", "offset": [234, 249]}], "hash": "9dc6acb726a09e44991c16bd7749e0e7", "id": 5}, {"snippet": "Except to the extent of any sums itemized in the Budget therefor and not otherwise excluded from coverage hereunder, Completion Guarantor assumes no obligation, makes no guaranty, and shall have no liability under this Agreement for any stoppage, cancellation, abandonment, postponement, interruption, curtailment, suspension, relocation of or interference with, any material impairment, hindrance or delay to, any increase to the cost of, or any other cost, expense, loss or damage incurred or sustained in connection with, Production and Delivery that directly or indirectly, arises or results from any of the following causes, events or matters (\u201cExcluded Risks\u201d) regardless if any other cause, event or matter contributes concurrently or in any sequence thereto:", "samples": [{"hash": "gMiKjjHyQ9n", "uri": "/contracts/gMiKjjHyQ9n#excluded-risks", "label": "Completion Guaranty", "score": 30.0863386996, "published": true}, {"hash": "iFCUXtBPNJW", "uri": "/contracts/iFCUXtBPNJW#excluded-risks", "label": "Completion Guaranty", "score": 30.0699144941, "published": true}], "size": 3, "snippet_links": [{"key": "except-to-the-extent", "type": "clause", "offset": [0, 20]}, {"key": "the-budget", "type": "definition", "offset": [45, 55]}, {"key": "completion-guarantor", "type": "definition", "offset": [117, 137]}, {"key": "no-obligation", "type": "definition", "offset": [146, 159]}, {"key": "no-guaranty", "type": "clause", "offset": [167, 178]}, {"key": "agreement-for", "type": "clause", "offset": [219, 232]}, {"key": "material-impairment", "type": "definition", "offset": [367, 386]}, {"key": "cost-of", "type": "definition", "offset": [431, 438]}, {"key": "other-cost", "type": "clause", "offset": [447, 457]}, {"key": "loss-or-damage", "type": "clause", "offset": [468, 482]}, {"key": "in-connection-with", "type": "clause", "offset": [505, 523]}, {"key": "production-and-delivery", "type": "clause", "offset": [525, 548]}, {"key": "directly-or-indirectly", "type": "clause", "offset": [554, 576]}, {"key": "other-cause", "type": "clause", "offset": [685, 696]}], "hash": "7506ebcfec7b58855792d5795a1c6b46", "id": 6}, {"snippet": "Except to the extent of any sums itemized in the Budget therefor and not otherwise excluded from coverage hereunder, Completion Guarantor assumes no obligation, makes no guaranty, and shall have no liability under this Agreement for any stoppage, cancellation, abandonment, postponement, interruption, curtailment, suspension, or relocation of, any interference with, any material impairment, hindrance, or delay to, any increase to the cost of, or any other loss, damage, cost, or expense incurred or sustained in connection with, Production and Delivery that directly or indirectly arises out of, is contributed to by, or results from any of the following events, matters, or circumstances (\u201cExcluded Risks\u201d) regardless of any other event, matter, or circumstance that in any way contributes concurrently or in any sequence to the loss, damage, cost, or expense:", "samples": [{"hash": "9cAHklainp8", "uri": "/contracts/9cAHklainp8#excluded-risks", "label": "Completion Guaranty", "score": 32.1167817062, "published": true}, {"hash": "2j6dbvMLNM6", "uri": "/contracts/2j6dbvMLNM6#excluded-risks", "label": "Completion Guaranty", "score": 32.0189202112, "published": true}], "size": 2, "snippet_links": [{"key": "except-to-the-extent", "type": "clause", "offset": [0, 20]}, {"key": "the-budget", "type": "definition", "offset": [45, 55]}, {"key": "completion-guarantor", "type": "definition", "offset": [117, 137]}, {"key": "no-obligation", "type": "definition", "offset": [146, 159]}, {"key": "no-guaranty", "type": "clause", "offset": [167, 178]}, {"key": "agreement-for", "type": "clause", "offset": [219, 232]}, {"key": "material-impairment", "type": "definition", "offset": [372, 391]}, {"key": "cost-of", "type": "definition", "offset": [437, 444]}, {"key": "other-loss", "type": "clause", "offset": [453, 463]}, {"key": "expense-incurred", "type": "definition", "offset": [482, 498]}, {"key": "in-connection-with", "type": "clause", "offset": [512, 530]}, {"key": "production-and-delivery", "type": "clause", "offset": [532, 555]}, {"key": "directly-or-indirectly", "type": "clause", "offset": [561, 583]}, {"key": "regardless-of-any", "type": "clause", "offset": [711, 728]}, {"key": "other-event", "type": "definition", "offset": [729, 740]}], "hash": "fda5d0b70b2447e932ace867c7984e6c", "id": 7}, {"snippet": "Apart from the situations provided for in article 3 of the General Conditions, applicable mutatis mutandis to this cover, this cover shall not guarantee as well claims arising:\na) directly or indirectly from an action of which the Insured/Insured Person is the author or an accomplice, as well as his/her attempted suicide.", "samples": [{"hash": "kS67VVLz1UO", "uri": "/contracts/kS67VVLz1UO#excluded-risks", "label": "Life Insurance Contract", "score": 23.4031485284, "published": true}, {"hash": "88XMM5Cnfdm", "uri": "/contracts/88XMM5Cnfdm#excluded-risks", "label": "Individual Life Insurance Contract", "score": 22.9514031485, "published": true}], "size": 2, "snippet_links": [{"key": "article-3", "type": "definition", "offset": [42, 51]}, {"key": "the-general-conditions", "type": "definition", "offset": [55, 77]}, {"key": "directly-or-indirectly", "type": "clause", "offset": [180, 202]}, {"key": "the-insured", "type": "clause", "offset": [227, 238]}, {"key": "insured-person", "type": "clause", "offset": [239, 253]}, {"key": "the-author", "type": "definition", "offset": [257, 267]}, {"key": "attempted-suicide", "type": "clause", "offset": [305, 322]}], "hash": "46e53e545d25d087e567ee7518f49fab", "id": 8}, {"snippet": "Apart from the situations provided for in article 3 of the General Conditions, applicable mutatis mutandis to this cover, this cover shall not guarantee as well claims arising:\na) Directly or indirectly from actions and the consequences of an illness or accident intentionally caused by the Insured/Insured Person or performed with their assistance, as well as his/her attempted suicide;\nb) From an accident, if the Insured/Insured Person is responsible therefor and has a blood alcohol level over 0.50 g/l, or if s/he used toxic drugs, narcotics or psychotropic substances not medically prescribed. It is considered that the Insured/Insured Person was under the influence of toxic drugs, narcotics or psychotropic substances whenever the presence of any of them is detected in his/her organism or in any organic fluid for detection tests.", "samples": [{"hash": "kS67VVLz1UO", "uri": "/contracts/kS67VVLz1UO#excluded-risks", "label": "Life Insurance Contract", "score": 23.4031485284, "published": true}, {"hash": "88XMM5Cnfdm", "uri": "/contracts/88XMM5Cnfdm#excluded-risks", "label": "Individual Life Insurance Contract", "score": 22.9514031485, "published": true}], "size": 2, "snippet_links": [{"key": "article-3", "type": "definition", "offset": [42, 51]}, {"key": "the-general-conditions", "type": "definition", "offset": [55, 77]}, {"key": "directly-or-indirectly", "type": "clause", "offset": [180, 202]}, {"key": "consequences-of", "type": "definition", "offset": [224, 239]}, {"key": "illness-or-accident", "type": "clause", "offset": [243, 262]}, {"key": "by-the-insured", "type": "clause", "offset": [284, 298]}, {"key": "insured-person", "type": "clause", "offset": [299, 313]}, {"key": "attempted-suicide", "type": "clause", "offset": [369, 386]}, {"key": "an-accident", "type": "clause", "offset": [396, 407]}, {"key": "psychotropic-substances", "type": "definition", "offset": [550, 573]}, {"key": "under-the-influence", "type": "clause", "offset": [653, 672]}], "hash": "fdfb3aa1c73932b6c315d673f7ded05c", "id": 9}, {"snippet": "Apart from the situations provided for in article 3 of the General Conditions, applicable\na) Directly or indirectly from actions and the consequences of an illness or accident intentionally caused by the Insured/Insured Person or performed with their assistance, as well as his/her attempted suicide;\nb) From an accident, if the Insured/Insured Person is responsible therefor and has a blood alcohol level over 0.50 g/l, or if s/he used toxic drugs, narcotics or psychotropic substances not medically prescribed. It is considered that the Insured/Insured Person was under the influence of toxic drugs, narcotics or psychotropic substances whenever the presence of any of them is detected in his/her organism or in any organic fluid for detection tests.", "samples": [{"hash": "kMgrVjCjlV9", "uri": "/contracts/kMgrVjCjlV9#excluded-risks", "label": "Insurance Contract", "score": 24.9958932238, "published": true}], "size": 1, "snippet_links": [{"key": "article-3", "type": "definition", "offset": [42, 51]}, {"key": "the-general-conditions", "type": "definition", "offset": [55, 77]}, {"key": "directly-or-indirectly", "type": "clause", "offset": [93, 115]}, {"key": "consequences-of", "type": "definition", "offset": [137, 152]}, {"key": "illness-or-accident", "type": "clause", "offset": [156, 175]}, {"key": "by-the-insured", "type": "clause", "offset": [197, 211]}, {"key": "insured-person", "type": "clause", "offset": [212, 226]}, {"key": "attempted-suicide", "type": "clause", "offset": [282, 299]}, {"key": "an-accident", "type": "clause", "offset": [309, 320]}, {"key": "psychotropic-substances", "type": "definition", "offset": [463, 486]}, {"key": "under-the-influence", "type": "clause", "offset": [566, 585]}], "hash": "0938ebed359731d05bfe756ea0e8b03a", "id": 10}], "next_curs": "ClcSUWoVc35sYXdpbnNpZGVyY29udHJhY3RzcjMLEhZDbGF1c2VTbmlwcGV0R3JvdXBfdjU2IhdleGNsdWRlZC1yaXNrcyMwMDAwMDAwYQyiAQJlbhgAIAA=", "clause": {"size": 14, "children": [["rating-and-censorship", "Rating and Censorship"], ["war-and-military-action", "War and Military Action"], ["political-authority", "Political Authority"], ["failure-to-distribute", "Failure to Distribute"], ["currency-loss", "Currency Loss"]], "parents": [["assignment-of-rights", "Assignment of Rights"], ["termination-of-the-cover", "TERMINATION OF THE COVER"], ["production-elements", "Production Elements"], ["complaint-management", "COMPLAINT MANAGEMENT"], ["non-compliance-by-the-beneficiary", "Non-compliance by the Beneficiary"]], "title": "Excluded Risks", "id": "excluded-risks", "related": [["country-risk", "Country Risk", "Country Risk"], ["property-inventory-and-protection-of-assets", "Property Inventory and Protection of Assets", "Property Inventory and Protection of Assets"], ["delivery-risk-of-loss", "Delivery; Risk of Loss", "Delivery; Risk of Loss"], ["insurance-risk-of-loss", "Insurance; Risk of Loss", "Insurance; Risk of Loss"], ["liability-and-risk-of-loss", "LIABILITY AND RISK OF LOSS", "LIABILITY AND RISK OF LOSS"]], "related_snippets": [], "updated": "2025-07-07T12:35:11+00:00", "also_ask": ["What risks should never be excluded to avoid unenforceability or public policy violations?", "How can the scope of excluded risks be strategically narrowed or broadened during negotiations?", "What drafting language best ensures clarity and minimizes ambiguity in defining excluded risks?", "How do courts typically interpret ambiguous or broadly worded excluded risks clauses?", "How do excluded risks provisions in this contract compare to industry standards or statutory requirements?"], "drafting_tip": "List excluded risks exhaustively to prevent coverage disputes, use precise language to avoid ambiguity, and align exclusions with applicable law to ensure enforceability.", "explanation": "The \"Excluded Risks\" clause defines specific types of risks, events, or circumstances that are not covered under the agreement or policy. In practice, this clause lists situations such as natural disasters, acts of war, or intentional misconduct that the parties agree will not trigger obligations like payment, indemnification, or liability. By clearly outlining what is not covered, the clause helps prevent disputes and ensures that both parties understand the boundaries of their responsibilities, thereby allocating risk and promoting clarity in the contractual relationship."}, "json": true, "cursor": ""}}