Standard Fire Policy

Insurance for Property such as buildings, contents, machinery and stock.  The property is insured against loss, destruction or damage as a result of fire, lightning and explosion (of boilers/gas used for domestic purposes).  A list of additional can be added to the policy such as earthquake, storm, flood, impact of vehicles, sprinkler leakage and more. 

All Risks Policy

An All Risks Policy provides cover on "All Risks" basis for all causes of claims of an accidental physical loss, destruction or damage nature with the exception of those (causes) expressly excluded in the policy wording.  

Loss of Profits

Insurance for business interruption following a property loss covered by the Standard Fire Policy or All Risks Policy.  The policy promises to pay the loss of net profits and unavoidable expenditure which must continue in a business even when the turnover (income) is reduced due to a property loss.

Household Policy

A Standard Fire Policy covering building structure and contents of homeowners or tenants, against loss, destruction or damage.  The Policy can be extended to cover loss of rent following a property damage loss as well as the policyholders legal liability to neighbors or other third party liability.  The Policy may covers among others the furniture, fixtures, fittings and decorations of the property insured. Cover may also be extended to include deterioration of the contents of deep freezers as a result of breakdown or accidental damage to the machine. Insurance may also be covered under the Household Policy at an additional premium.