Description

Standard Cover

• Material damage
  • Fire, explosion and lightning.
  • Smoke damage.
  • Electrical damage.
  • Vehicle impact or fall of aircraft.
  • Sonic bangs.
  • Acts of vandalism.
• Insured Expenses
  • Salvage, demolition and removal of debris.
  • Fire extinguishment expenses.
  • Loss of rental income.
  • Obligatory evacuation or unfitness for habitation.
  • Replacement of files and documents.
• Additional cover
  • Cost of As new reconstruction cost of building.
  • Indexation of sums insured.
  • Extraordinary risks.

Optional Cover

• Material damage
  • Breakage of windows, mirrors, fixed glass and sanitary ware.
  • Water damage with or without trace and access cover.
  • Rain, wind, hail or snow.
  • Flood.
  • Theft, hold-up and larceny.
  • Employee dishonesty.
  • Breakdown of Machinery.
• General legal liability
  • As owner of property.
  • For acts by employees.
  • As employer.
  • Of the governing board.
  • Legal defence expenses and bail bonds.
• Individual civil liability
  • Of co-owners and / or users.
  • Legal defence expenses, and bail bonds.
• Legal Assistance.

Optional Cover

• As new reconstruction cost of building.
• Indexation of sums insured.
• Automatic cover within the sum insured.
• Extraordinary risks.