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Cover

Property insurance includes a range of covers, which may be needed by businesses to protect their physical property, such as buildings, machinery and stock. Private individuals need property insurance too, but this is typically provided in house owners and householders policies.

Provides cover against loss or damage to property by:

  • Fire, lightning and explosion

The under-noted perils can be given at an additional cost:

  • Earthquake
  • Storm, tempest, flood
  • Aircraft or dropping aerial devices
  • Bursting or over-flowing of water tanks, apparatus or pipes
  • Malicious damage
  • Riot and strike (non-political)
  • Explosion (Limited)
  • Spontaneous Combustion

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.

Provides covers as in (I) above plus:

  • Theft, excluding theft of personal effects of the insured or his employee’s
  • Accidental damage and loss/damage to office equipment and Machinery whilst away from usual premises.
  • Loss of documents cover can also be included.

Provides cover as in (I) above plus:

  • Housebreaking or any attempt thereat
  • Theft or any attempt thereat of landlord’s fixtures and fittings.
  • Loss of rent

Provides cover as in (I) above plus:

  • Theft accompanied by violent and forcible entry into or exit from the building.
  • Accidental damage and loss/damage to contents and effects whilst temporarily away from premises can be covered at an additional Premium.

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.

Provides cover to all civil engineering works against:

  • Fire, lighting and explosion
  • Water damage and windstorm
  • Earthquake
  • Burglary and theft accompanied by violent and visible means of entry/exit (theft by employees not included)
  • Accident damage and impact
  • Third party liability risks if required.

Provides cover to plant against any unforeseen and sudden physical loss or damage from any cause not specifically excluded.

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:-

  • Fire and lightning
  • Water damage and windstorm
  • Earthquake, subsidence and collapse
  • Burglary
  • Impact
  • Electrical and mechanical breakdown
  • Accidental damage and faults in erection

Covers 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 test from causes not specifically excluded.

Provides cover to the insured (client) against financial loss following a claim under machinery breakdown. The coverage is centred on the reduction in turnover resulting from decreased production or other impairment of business operations caused by an accident to machinery.

Provides cover against:

  • Damage other than by 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.

Provides cover against loss or damage to stock caused by deterioration due to any unforeseen and sudden physical loss of or damage to machinery and indemnifiable under the machinery breakdown policy in force or due to failure of the public power supply resulting in a rise or drop in temperature or sudden and unforeseen escaping of refrigerant in the cold storage facilities.

This policy covers loss or damage to property resulting from:

  • Terrorism , sabotage, mutiny, insurrection, rebellion, coup d’état, strike, riot and /or civil commotion and any ensuing fire damage, damage from looting other damage caused by an act of a lawfully constituted authority for the purpose of suppressing or minimizing the consequences of any of these incidents.

This policy is issued to individuals to cover the following up to stated Limits/ sums insured.

  • Comprehensive motor insurance to private vehicles
  • Domestic buildings
  • Domestic contents
  • Personal accident
  • Personal liability
  • Medical Expenses and
  • Dog-bite

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