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1. Force Majeure: Optional section defining circumstances beyond parties' control and their impact on the agreement, particularly relevant for certain types of insurance

2. Subrogation Rights: Include when the insurer may need to pursue third parties for recovery of paid claims

3. Reinsurance Arrangements: Necessary when part of the risk is being reinsured, affecting the structure of coverage

4. Dispute Resolution: Optional detailed procedure for handling disputes, including mediation or arbitration provisions

5. Governing Language: Include when the agreement is prepared in multiple languages to specify which version prevails

6. Compliance with Sharia Principles: Required for Islamic insurance (Takaful) agreements only

1. Schedule A - Coverage Details: Detailed breakdown of insurance coverage, limits, and sub-limits

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

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

4. Appendix 1 - Risk Assessment Report: Initial risk assessment findings and recommendations

5. Appendix 2 - Special Terms and Conditions: Any special conditions or warranties applicable to the specific insurance coverage

6. Appendix 3 - Declaration Forms: Standard forms for periodic declarations or updates required under the agreement