Fire & Allied Perils

Fire and Allied Perils Insurance is a type of insurance that protects property owners against losses caused by fire and other related risks, such as explosions, storms, floods, and earthquakes.

Buildings Combined

Combined Insurance offers specialized coverage for buildings, including commercial property insurance and general liability insurance, which are essential for protecting against risks like damage and tenant injuries.

Office Contents

Office contents insurance protects your business's physical assets, such as equipment, furniture, and important documents, from risks like theft, fire, and water damage.

Business Interruption

Business interruption insurance is a type of insurance that covers lost income when a business cannot operate due to a disaster, such as fire or flooding.

Accounts Receivable

Accounts receivable insurance, also known as trade credit insurance, protects businesses from losses due to customer non-payment, such as insolvency or bankruptcy. 

Burglary and theft

Burglary and theft insurance protects individuals and businesses from financial losses due to theft, robbery, or larceny. This type of coverage is typically included in standard homeowners and business insurance policies.

Money

Money insurance protects businesses from financial loss due to theft or damage of physical money and assets. It typically covers cash, checks, and other negotiable instruments, and may be included in broader commercial insurance policies.

Glass

Glass insurance typically refers to coverage for repairing or replacing auto glass, such as windshields, under comprehensive car insurance policies.

Business All Risks

Business All Risks insurance is a type of property insurance that covers loss arising from any fortuitous cause, except those specifically excluded in the policy. It provides broad coverage for various risks, including accidental damages, burglary, fire, and natural disasters, ensuring that businesses are protected against unexpected events.

Accidental Damage

Accidental damage insurance is a type of coverage that protects against unintentional damage to property, such as spills or breakages, which may not be covered by standard home insurance. It can be added as an optional extra to home and contents insurance policies to provide broader protection for everyday mishaps.

Electronic Equipment

Electronic equipment insurance provides coverage for various types of electronic devices, including studio television, medical equipment, and office equipment, protecting against risks like theft, damage, and breakdown.

Liability – Public, Products, Employers

Public liability insurance covers claims made by third parties for bodily injury or property damage due to your business operations. Employers liability insurance protects against claims made by employees for work-related injuries or illnesses. Product liability insurance covers claims related to injuries or damages caused by products sold or supplied by your business.

Stated Benefits

Stated Benefits insurance is a type of supplemental insurance that provides a fixed cash benefit for specific injuries or accidents, allowing policyholders to use the funds for medical expenses or personal costs. It is not a replacement for traditional health insurance but serves as additional financial support during recovery.

Group Personal Accident

Group personal accident insurance provides financial protection to employees in the event of an accidental injury. It pays a lump-sum cash benefit directly to the insured, which can be used for various expenses, helping to cover costs not fully addressed by health insurance.

Breakdown – Machinery & Electronic

Equipment breakdown insurance covers the repair or replacement of machinery and electronic equipment that fails due to mechanical or electrical issues, such as power surges or motor burnout. This type of insurance is essential for businesses that rely on operational equipment to prevent financial losses from unexpected breakdowns.

Motor

Vehicle insurance is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. 

Business Interruption following breakdown

Business interruption insurance covers the loss of income a business suffers when it is forced to close due to a covered event, such as equipment breakdown. This type of insurance helps maintain revenue and pay ongoing expenses during the period of restoration.

Deterioration of Stock

Deterioration of stock insurance is a specialized commercial insurance that protects businesses from financial losses due to the spoilage or degradation of perishable inventory. This coverage is essential for industries like food, pharmaceuticals, and floristry, where products are sensitive to temperature and storage conditions.