All Risks

 

All Risks insurance is often used in houseowners, property and commercial policies. All Risks insurance is a broadening of the cover under the Fire policy. Unfortunately, even though it is called 'All Risks', it does not cover the insured against everything. There are still a number of exclusions and conditions, but it does give an extended range of cover.


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This page / section was last updated on 2007-05-08.
Burglary & Theft

 

Provides cover for loss or damage to property removed or damaged due to the breaking and entering of premises in the course of a theft that must involve forcible entry.


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This page / section was last updated on 2007-05-08.
Computer All Risks

 

 

This provides cover against accidental damage (including mechanical and electrical breakdown) to computers. Unfortunately, even though it is called 'All Risks' it does not cover the insured against everything. There are still a number of exclusions and conditions.

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This page / section was last updated on 2007-05-08.
Contractors All Risks

 

Provides cover for accidental loss of, or damage to the property under construction, including the buildings being built or renovated. The policy also covers infrastructure such as roads, materials on or off site, plant and equipment for which you are responsible, temporary buildings, etc.

 

 

 


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This page / section was last updated on 2007-05-08.
Employers Liability

For Anyone With Employees
Covers the Insured’s legal liability to employees in respect of accidental death, bodily injury or disease arising out of and during the course of their employment. ( Please remember that it does not replace Health or Accident Insurance.)


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This page / section was last updated on 2007-05-08.
Fidelity Guarantee
 

Fidelity Guarantee Insurance offers cover for actual financial loss sustained as a result of the dishonesty / fraudulent act of any one employee, or employees acting in collusion.



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This page / section was last updated on 2006-11-01.
Fire and Allied Perils

 

Fire and Allied Perils policies are generally for business /commercial risks and provide cover against Fire, Lightning, Flood, Hurricane, Earthquake, Riot & Strike, Malicious Damage, Impact, Explosion, etc.

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This page / section was last updated on 2007-05-08.
Goods in Transit

 

Covers property against loss or damage by theft or through an accident or fire whilst in transit from one place to another and whilst being carried on any vehicle owned, hired or operated by the Insured.

 


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This page / section was last updated on 2007-05-08.
Homeowners

Homeowners insurance provides coverage for both buildings and contents against damage from various causes. In addition you are protected against liability for injuries and damage you or members of your household or pets may cause to other persons.


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This page / section was last updated on 2007-05-08.
Loss of Profit/Business Interruption

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This covers the loss of profit your company may suffer as a result of being unable to generate the normal income due to damage covered under your Fire (property) insurance policy. It covers the profits you would have earned plus operating expenses, such as salaries, which may continue even though the business may have been interrupted.

 


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This page / section was last updated on 2007-05-08.
Machinery Breakdown

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Covers losses due to mechanical breakdown. Cover can be extended to include liability for losses to property of others in your care, custody or control, as well as damage to your own surrounding property.

 


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This page / section was last updated on 2007-05-08.
Theft

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