Against loss or damage by fire or lighting or by explosion of gas used for illuminating or domestic purposes. Policy may be extended to cover against :-

  • Aircraft damage
  • Earthquake and volcanic eruption
  • Storm tempest
  • Flood
  • Impact damage
  • Bursting or overflowing of water tanks apparatus or pipes
  • Riot strike and malicious damage
  • Subsidence and landslip

Householder/ House-owner

Covers loss or damage to the Insured’s private dwelling and/or its contents against the perils of :-

  • Fire, lightning, thunderbolt, subterranean fire
  • Explosions
  • Aircraft and other aerial devices and/or articles dropped therefrom
  • Impact damage
  • Theft
  • Hurricane, cyclones, typhoon, windstorm
  • Earthquake, volcanic eruption
  • Flood

Industrial “All Risks”

Against “ALL Risks” of accidental, physical loss or damage to Insured property situated within the premises other than from excluded causes. Loss of profit or other Insured interest resulting from an interruption or interference to the business following loss destruction or damage to any building or property insured under the Material Damage section of the policy.

Growing Trees

Against loss or damage by fire or lightning or by any of the following perils subject to an additional premium :-

  • Animal Damage
  • Flood
  • Windstorm
  • Riot Strike Malicious Damage
  • Aircraft Damage
  • Deliberate burning of undergrowth plants or trees within the estate

Business Interruption (Fire/ Machinery Breakdown)

Against loss of profit or increase in cost of working resulting from and interruption or interference to the business following loss destruction or damage to any insured building or property covered under the Fire Policy or breakdown of machinery covered under Machinery Breakdown policy.