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 covered include:

  • Burglary – Sum Insured based on a limit of liability
  • Money – Sum Insured 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