Property All Risks Insurance

Provides an umbrella solution to all the property insurance requirements of an organization.

Standard Fire and Special Perils covers loss or damage resulting from fire, lightning, explosion / implosion, impact damage, aircraft impact, bursting / overflowing of water tanks / pipes / apparatus, sprinkler leakage, storm, cyclone, typhoon, hurricane, tempest, tornado, flood, inundation, subsidence, landslide (including rock slide), riots, strikes, malicious damage, missile testing operations. Add on options include Earthquake and Terrorism risks and a host of extensions including insurance of rent.

Business Interruption insurance covers loss of profits of a business due to reduction in the turnover caused by a loss or damage that is covered in the Standard Fire Policy. This insurance includes cover for Increased Cost of Working following a loss, as well as the Standing Charges of the business.

Burglary Covers loss or damage from burglary, i.e. theft following upon actual forcible and violent entry or exit from the insured premises.

Money Insurance is against loss of money whilst contained in a locked safe or cash box within the insured premises. The coverage can be extended to include loss of money whilst in transit.

Fidelity insurance covers the employer against direct financial loss to the business caused by any act of fraud on the part of any employee. This insurance covers loss of money as well as business assets entrusted to employees.

Electronic Equipment Insurance is an All-Risks cover for electronic equipment such as computers, servers, printers, photocopiers, scanners etc.

All Risks (portable equipment) Insures the risk of accidental damage to portable equipment such as laptops and other electronic devices, test and measuring instruments, etc. at any location and including whilst in transit in the personal custody of the employees.

Plate Glass insurance covers the risk of accidental damage to plate glass installed in the business premises.

Travel Baggage covers accompanied baggage of employees on travel for business purposes.