Private Dwelling House
We protect your building, furniture, fixtures and fittings and other contents. We also protect you against liability to third parties and accidental injuries occurring within the premises, either to the insured and his/her spouse and contents by covering you against the following perils.
- Fire, lightning
- Cyclone, storm and tempest
- Earthquake, Volcanic Eruption
- Natural perils (Hurricane, Typhoon, Tornado, Windstorm, Tsunami, Tidal wave)
- Bursting or overflowing of water tanks, apparatus and pipes
- Aircraft damage
- Accidental leakage of oils/water
- Electrical Extra
- Malicious damage (will only be valid in the event of a riot or strike that has taken place)
- Additional perils at extra premium
- Riot & Strike
Commercial Properties/ Shop insurance/ Business Premises
This covers all fixed and movable assets of an organization against various eventualities and perils. The standard Fire and Allied Perils Policy will cover Malicious Damage, Lightning, Explosion, Natural Perils like Tsunami, Tidal Wave, Earthquake, Hurricane, Tornados etc., while Strikes, Riots, Civil Commotion and Terrorism will be covered by theLocal Government Fund. This Policy can be combined with the Business Interruption Cover.
Loss of profits and/or additional expenditure following accidental physical loss of / or damage to insured property from the list of perils covered.