ASSET RISKS / BUSINESS INTERRUPTION
|Cover for uncollected debts as a result of physical loss or damage to accounting and similar records.
|Loss of or damage to aircraft and related equipment.
|Boiler or Pressure Vessel Explosion
|Damage to registered boilers or pressure vessels by explosion, overheating, or collapse.
|Burglary and/or Theft
|Covers loss or damage to insured property as a result of burglary or theft.
Business Interruption/ Consequential Loss
|Covers loss of income, fixed operating costs of the business and increased working costs incurred to avoid or diminish a reduction in income, following loss or damage to insured property.
|Business/ Commercial Package
|This insurance package is typically designed for small business enterprises and provides coverage for both Assets and Liabilities within the framework of one policy.
Computer/ Electronic Breakdown
|Breakdown, loss or damage to computers and associated equipment. Can include cover for loss of data, additional expenses incurred to maintain normal operations and consequential loss of income.
|Contract Works – Material Damage
|Loss or damage to the project works during construction.
|Contract Works – Advanced Consequential Loss
|Loss of future earnings and increased expenses following delayed completion of a project caused by damage.
|Contractors' Plant & Machinery
|Loss or damage to unregistered mobile plant, drilling rigs and the like.
|Control of Well
|Covers expenses incurred in bringing under control an oil/gas well. Can include expenses such as seepage and pollution clean-up costs, re-drilling expenses, etc.
|Damage to growing crops as a result of defined events (primarily Fire, Hail and if available Frost).
|Policies are available to provide protection for breakdowns and defects that arise after the expiry of a manufacturer’s warranty period.
|Fire and Perils
|Damage to property caused by a range of nominated risks.
|General Property / Special Contingencies
|Loss or damage to property such as tools, equipment, laptops and other portable property while away from the premises.
|Can cover either specified items of glass or more typically all glass (internal/external) on a premises. Cover can be extended to include such items as signwriting and framework.
|Industrial Special Risks
|Covers the cost of repairing or replacing physical assets following loss or damage by an insured risk and typically includes cover for resultant business interruption.
|Loss or damage to stock of precious metals and gems.
|Livestock or Bloodstock
|The insurance of animals against death by accident, sickness or disease.
|Loss of income and increased expenses following breakdown of key plant and equipment.
|Machinery Breakdown Business Interruption
|Covers loss of revenue or profit when the business is interrupted as a result of breakdown or damage to plant and machinery.
|Covers loss of money and negotiable instruments.
|Motor Vehicle and Motor Fleet
|Covers loss or damage to motor vehicles and motor fleet.