The policy provides protection to your properties such as building, contents, furniture, fixtures and fittings, plant and office equipment, stock-in-trade, raw materials, semi-finished and finished products against loss or damage caused by:

1. Fire, lightning.
2. Earthquake and volcanic eruption.
3. Storm, tempest, flood and inundation.
4. Damages caused by aircraft and other aerial devices and/or articles dropped there from.
5. Bursting and overflowing of water tanks and apparatus
6. Impact damage by road vehicles.
7. Riot, strike & civil commotion.
8. Malicious damage.

In addition to the above, the following expenses/losses could be included under the policy coverage:

• Burglary/theft
• Loss of rent
• Cost of removal of debris
• Architects’ surveyors’ and consultant engineers’ fees

Usual period coverage is 12 months and the policy is suitable for industry, warehouses, shops, supermarkets, hypermarkets, schools, hospitals, offices, residential villas, apartments, etc.)