| Cover |
Description |
| Fire and Other Damage insurance |
Cover for your building and business contents & stock for certain specified events such as fire, storm (but not flood), graffiti on your building, impact, lightning, explosion, and earthquake. Also included is the cost of removing debris.
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| Accidental Damage insurance |
Covers you for accidental loss or damage to the property insured at your business premises. |
| Burglary insurance |
Cover for theft of stock, electronic equipment and other business contents contained within your building, following forced & violent entry.
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| Optional covers |
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| Business Interruption insurance |
Covers loss of income for your business as a result of insured damage that happens at the insured premises for which you are insured under either Fire and other damage, Accidental damage and Burglary sections.
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| Glass Breakage insurance |
Covers the replacement value of broken glass. Also includes the cost of temporary shuttering, replacement of sign writing, repairing plastic signs up to $1000, and the cost value of stock spoiled by the broken glass.
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| Public and Products Liability insurance |
Covers your legal liability for personal injury or damage to property caused by an occurrence connected with your business.
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| General Property insurance |
Cover for items of your choice such as mobile phones and laptop computers, whether in the office or out. |
| Fraud and Dishonesty insurance |
Covers you for loss of money or goods as a result of any act of fraud or dishonesty committed by any of your employees.
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| Goods in Transit insurance |
Covers you for loss or damage to goods in transit caused by specified events such as collision, overturning, derailment, fire, explosion, or theft following forcible and violent entry to the vehicle. The damage to goods during loading and unloading can be added to the cover.
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| Money insurance |
Covers you for loss of or damage to money which is kept in your building, in transit or at your private residence.
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| Equipment Breakdown insurance |
Covers you for the cost of repairing electrical or mechanical equipment for sudden or accidental breakdown. |
| Tax Audit insurance |
Covers you for professional fees that occur in connection with a tax audit. |