This policy covers large businesses with sizeable asset bases against perils of : fire including storm, burst pipes, floods, impact (by any road vehicles, horses or cattle), explosion, earthquake, aircraft, non political riot and malicious damage.
- Buildings -Re-building costs including quantity surveyor, architects and consulting engineer’s fees
- Contents – Replacement value subject to depreciation
- Stock – Cost value of total stock
- Machinery – Total replacement value of plant and machinery.
Accident Classes included:
- Burglary – SI based on a limit of liability
- Money – SI based on maximum amount held
- Goods in transit – Based on annual carry and limit any one load
- Damage to glass and office equipment and
- Employees Personal effects