Damage to whole or part of the property described in the schedule, owned by the insured or for which they are responsible, including alterations by the insured as tenants to the buildings and structure, by fire, flooding, storm, lightning or thunderbolt, explosion and such perils as stated in the schedule.
04.
Office Contents
Cover loss or damage to general office furniture and fittings including the landlord`s fittings.
07.
Public Liability
Covers damages which the insured shall become legally liable to pay or accidental death of bodily injury or illness of any person(s) or accidental loss of or physical damage to tangible property which occurred in the course or in connection with the business within the territorial limits.
10.
Money
Cover loss of or damage to money at the premises including hold ups in transit heists to and from the bank. Money stolen in unattended vehicles is not covered.
13.
Accidental Damage
Covers loss or damage to insured property as a result of a sudden, unintended, and unforeseen occurrence.
16.
Motor
Damage to whole or part of the vehicles owned by the insured or for which they are responsible by fire, flooding, storm, lightning or thunderbolt, explosion, theft, third party damage and such perils as stated in the schedule.
02.
Business Interruption
Covers loss following interruption of or interference with the business in consequence of a fire damage occurring during the period of insurance of which payment has been done or liability admitted under the fire section.
05.
Electronic Equipment
Cover against loss or damage to the whole or part of the property while in the insured’s business premises or at any other short term temporary premises through accidental means.
08.
Workers Compensation
Covers against accidental death or bodily injury or illness to employees arising out of and in the scope of their employment.
11.
Theft/Burglary
Covers loss or damage to insured property as a result of forcible or violent entry or exit.
14.
Fidelity Guarantee
Covers loss of money or property sustained as direct result of acts of fraud, theft or dishonesty by employee in the cause of employment.
17.
Motor Traders
Also referred to as Road Risk Insurance, this is taken out by someone who runs a business involving anything to do with cars, motorbikes and vans such as buying and selling cars, repairing and servicing, valeting, running a garage or MOT centre etc.
03.
Buildings Combined
Covers damage caused by fire, lightning, explosions, storm, wind, water, hail, snow and other hazards to buildings including all outbuildings, landlord fixtures and fittings, walls, gates, paved road and parking areas. Commercial Buildings such as offices and malls, Community Infrastructure such as churches and schools.
06.
Business All Risks
Cover loss or damage including theft to the whole or part of the property through accidental means whilst anywhere in the world.
09.
Group Personal Accident
Covers against accidental death or bodily injury or illness to Directors on a 24Hr Basis.
12.
Goods In Transit
Covers goods against loss or damage while in your vehicle or when sent by a third party carrier. The sum insured may be a limit for each package, each vehicle or any one consignment.
15.
Glass
Cover against loss or damage to all external and internal glass.
18.
Motor Fleet Comprehensive
Covers loss or damage to any vehicle described in the schedule and its accessories and spares including third party liabilities.
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