Burglary Insurance- Keeping your home safe while you're away

This Policy provides cover to both private and business premises against loss or damage to property by theft.

(Evidence of actual forcible and violent breaking into and/or out of the premises is required).

Fire and Special Perils Insurance

This Policy is issued to cover your private and business premises and their contents against loss or damage by fire and lightning. The Policy also takes care of your stock, plant and machinery, wall/fence, loss of rent, goods held in trust and more. The special perils include storm, flood, riot and strike, malicious damage, bursting and overflowing of pipes, aircraft and impact damage etc.

Consequential Loss (Following Fire & Allied Perils Damage

Scope of Cover

This will cover loss of profit following interruption of business consequent upon fire and special perils, damage to the business. Basically the policy will enable the insured to:

· Pay all the overhead expenses of the business and any other expenses which continue following the damage.

· Retain all essential employees or if desired, all employees, during the period of interruption.

· Cover any increase in cost of working incurred in an endeavor to reduce the interruption to a minimum e.g. the renting of equipment and temporary premises, contracting out, extra labor, special advertising and the like.

Cover auditors’ fees for producing and certifying any particulars or detail required in connection with the claim.

INDEMNITY PERIOD The maximum period commencing with the date of the (“Accident“) during which losses can be paid. The period should be selected taking the maximum possible interruption period into account. Details required for premium quotation are as follows:

· Expected sums insured on each of the interest.

· Detailed description of the interest and location. Expected Rate: As in Fire rate