» FIRE INSURANCE - PERSONAL ...

This policy covers private dwelling houses. The risks covered under this insurance are damage to the building, contents and personal effects. Some of the additional perils that could be covered under this policy are: malicious damage, explosion, riots, strikes, civil commotion, terrorism, cyclone, storm, tempest, floods, electrical extra, earthquake, impact damage, aircraft damage, bursting & overflowing of water tanks, apparatus & pipes.

There are also many specially designed policies offered by various insurers for private dwelling houses. Should you require more information on these policies, please send us your details in the attached contact sheet, at which time we would be glad to furnish you with the information you require.

» FIRE INSURANCE - BUSINESS ...

Fire Insurance is one of the most common policies in the market. This policy is issued to cover buildings, machinery, contents and stocks.

Under this policy additional perils such as : malicious damage, explosion, riots, strikes, civil commotion, terrorism, cyclone, storm, tempest, floods, electrical extra, earthquake, impact damage, aircraft damage, bursting & overflowing of water tanks, apparatus & pipes could be covered.

» HOTELIERS COMPREHENSIVE INSURANCE ...

This policy is specially designed for owners of Hotels. The policy provides a wide range of covers such as : fire & allied perils, consequential loss, plate glass, burglary, cash in transit, cash in safe, public liability, workmen's compensation, personal accident, stock in trade etc.

However, such a comprehensive policy will vary from Insurer to Insurer depending on the policy issued.

» STOCK DECLARATION INSURANCE ...

Very often an Insured will find that his stock levels fluctuate considerably during any one period. To avoid the need to adjust the sum insured every time the stock value changes, a stock declaration policy could be obtained.

Under this policy the insured will be charged a provisional premium of 75% of the estimated sum insured. At the end of the period the actual premium will be calculated on the average of all the declarations made during that period. The covers that are granted under this policy are the same that are offered in the fire policy. This policy is not offered for retail stocks.

» CONSEQUENTIAL LOSS (BUSINESS INTERRUPTION/PROTECTION) INSURANCE ...

This is an extension to the fire policy covering the loss of profit, standing charges such as salaries and other expenses, and increased cost of working experienced by an organisation following the interruption of business due to the occurrence of the perils covered under the fire policy. Consequential loss insurance could only be obtained if you have a fire policy.

» LOSS OF RENT INSURANCE ...

Loss of rent covers the loss of rent incurred by a landlord due to the occurrence of the perils covered under the fire policy.
This is an additional peril covered under the fire policy and in order to obtain this cover, you must have a fire policy.
Loss of rent could also be covered under a consequential loss insurance policy.