Property Insurance

This policy provides coverage for:

• The destruction or damage to the insured property (buildings, contents and stock), and

• The loss of gross profit resulting from the interruption of the business.

The insured perils are: Fire, Lightning, Explosion, Aircraft, Riot, Civil Commotion and Malicious Damage, Earthquake, Storm or Flood, Escape of Water, Impact, Subsidence, Burglary. A variety of additional covers is available. Each account is underwritten individually; no classes of business are excluded from consideration.

This policy provides coverage for:

• The destruction or damage to the insured property (buildings, contents and stock), and

• The loss of gross profit resulting from the interruption of the business.

The insurance is against all risks unless excluded by a specific exclusion. Each account is underwritten individually; no classes of business are excluded from consideration.

Our Hotel Product is designed to offer protection to cover the essential property insurance requirements of the modern Hoteliers business, combined with additional cover options beyond. The core cover not only protects the business but also guests and visitors.

Extensions include goods in transit, money, public utilities, unspecified suppliers, notifiable disease, prevention of access. Optional covers include terrorism cover, equipment and computer breakdown, employers & public liability. Engineering inspection service is also available.

This policy provides coverage for:
• The destruction or damage to the Insured Property resulting from terrorism* carried out by an individual or group
• The loss of gross profit resulting from the interruption of the business.

* Terrorism contracts usually define terrorism as an act or series of acts, including the use of force or violence, of any person or group(s) of persons, whether acting alone or on behalf of, or in connection with any organization(s) committed for political, religious or ideological purposes, including the intention to influence any government and/or to put the public in fear for such purposes
Losses associated with war and civil war, biological or chemical agents, or nuclear material will be excluded.

We offer market-leading terrorism insurance solutions to protect businesses from devastating losses to physical assets resulting from acts of terrorism. Coverage can be customized to meet distinct client needs.