Business Insurance

business-insurance

Commercial Buildings

Provides cover for buildings including all outbuildings thereto (constructed of brick, stone, concrete or metal on metal framework and roofed with slate, tiles, metal, concrete or asbestos unless otherwise stated in the schedule) and sporting and recreational structures, landlord’s fixtures and fittings therein and thereon, walls (except dam walls), gates, posts, fences, and tarred or paved roads, driveways, paths or parking areas.

Office Contents

The office insurance cover provides indemnity against :

  • Fire, lightning, thunderbolt, subterranean fire, or explosion
  • Storm, wind, water, hail, or snow (with certain exceptions)
  • Earthquake
  • Aircraft and aerial devices dropping from them
  • Impact by animals, trees, aerials, satellite dishes, or vehicles
  • Accidental damage of mirrors, plate glass tops of furniture or fixed glass forming Art of furniture.

Electronic Equipment
Provides insurance cover for Partial or Total loss of equipment including restoration or recapturing of data and increased cost of working.

Business InterruptionProvides indemnity for loss of profit following the occurrence of an insured incident such fire and machinery breakdown.

Environmental Pollution
Pollution insurance covers costs related to pollution. This can include the costs of brownfield restoration and cleanup, liability for injuries and deaths caused by pollution. The insurance may also protect against cost overruns or regulatory changes that increase the cost of cleanup.

Liabilities
Provides cover for legal liability arising from accidental death, bodily injury or loss of damage to property. Can be extended to include : Fraudulent use of Credit Cards, Hole in One (Golf) , Wrongful Arrest, Property Owners Liability & Tenants Liability.