Property Insurance

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Property Insurance

Property All Risks Insurance policies provide cover for financial reimbursements following a loss or damage to your owned or rented property. Whether you own a property and are concerned about any damages that can occur or you are a renter and are concerned about damages

Types of perils covered under a Property All Risks insurance policy:

  1. Fire
  2. Explosion
  3. Lightning
  4. Fire
  5. Natural Disasters (Floods, Earthquakes, Storms, Cyclones)
  6. Burglary following violent forcible entry or exit
  7. Bursting of water pipes and apparatus
  8. Malicious Damage, Riots and Strikes
  9. Aircraft or articles dropped therefrom
  10. Accidental Damage or Impact Damage

What types of property can be covered under a Property All Risks insurance policy:

  1. All types of buildings (Residential, Commercial, Schools, Hospitals, factories, Warehouses etc)
  2. Office contents and equipment
  3. Stocks
  4. Plant and Machinery
  5. Furniture, Fixtures and Leasehold Improvements

Additionally, the following items can be insured in connection to the property owned or rented:

  1. Loss of Rent (as income or as rent payable)
  2. Loss of Gross Profit (Business Interruption cover)
  3. Third Party Liability, Liability towards Landlord or Tenants

Typical exclusions in a Property All Risks Insurance policy:

  1. Political Risks (War, Terrorism, Sabotage)
  2. Nuclear Risks
  3. Property in the course of manufacturing or property being worked upon
  4. Wilful destruction of property
  5. Machinery Breakdown or Derangement
  6. Mysterious Disappearance
  7. Loss or damage to Money, Cheques, evidence of debt and securities of all kind

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If you would like further information about any of the services we offer or would like to discuss in detail a particular service or quote, please use the form on the right. We’re always delighted to hear from you. Do leave us comments, suggestions or queries, and we can arrange a time to call you.

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