i) Fire and Allied Perils
Provides cover against loss or damage to property by:
ii) Business interruption
Provides cover against loss of profit due to reduction in turnover and increase in cost of working arising from an interruption of or interference with the business carried on by the insured at the premises following loss/destruction or damage covered under the fire policy (material damage), to the property used by the insured.
A) Electronic Equipment
Provides cover to computer equipment against any unforeseen and sudden physical loss or damage from any cause other than those specifically excluded on the policy.
B) Contractors All Risks
Provides cover to all civil engineering works against:
iii) Plant All Risks
Provides cover to plant against any unforeseen and sudden physical loss or damage from any cause not specifically excluded.
iv) Erection All Risks
Provides cover to individual machines, complete manufacturing complexes and steel structures which are being erected against unforeseen and sudden physical loss or damage resulting from:
V) Machinery Breakdown
Cover any sudden and unforeseen physical loss or damage other than fire damage to machinery whilst on the premises, whether they are at work or at rest from causes not specifically excluded.
Vi) Loss of Profits Following Machinery Breakdown
Provides cover to the insured (client) against financial loss following a claim under machinery breakdown. The coverage is centered on the reduction in turnover resulting from decreased production or other impairment of business operations caused by an accident to machinery fire to any boiler or pressure vessel and to other property of the insured Damage to property not belonging to the insured
Fatal or non-fatal injuries to any persons other than the insured’s own employees.