All-Risk Property Protection
This policy offers comprehensive coverage against the destruction, physical loss, or damage to the insured property during the coverage period, adhering to specific terms, conditions, and exclusions. It typically provides a broader range of protection compared to standard Fire and Allied insurance.
The policy indemnifies the insured for accidental physical loss or damage occurring on the described premises. Coverage includes loss or damage from fire, lightning, aircraft, explosions, earthquakes, strikes, riots, malicious acts, storms, floods, bursting or overflowing water apparatus (including sprinkler leakage), vehicle impacts, theft or attempted theft (with violent and forcible entry), and other accidental incidents, ensuring robust protection for your valuable assets.
What Does It Cover?
Coverage for Business Interruption
Loss of profits business interruption insurance supports income during operational disruptions caused by unexpected events.
Protection for Rental Income
Loss of rent coverage protects landlords from lost income while properties undergo necessary repairs.
Professional Fees Coverage
Coverage for architects, surveyors, legal, and consulting fees aids recovery efforts after property damage.
Coverage for Malicious Damage
Malicious damage insurance compensates for losses due to vandalism or intentional harm to property.
Emergency Response Coverage
Coverage for fire brigade charges and extinguishing expenses supports costs for emergency services during incidents.
Protection Against Civil Disruption
Coverage for strikes, riots, and civil commotions protects against financial losses from social unrest.
Third Party Liability Coverage
Third-party liability coverage safeguards property owners from tenant or neighbor claims, covering potential legal issues.
Glass Damage Protection
Accidental damage to plate glass coverage assists with repairs or replacements for damaged glass fixtures.
Debris Removal Expenses
Coverage for debris removal expenses helps manage cleanup costs after property loss or damage.
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