What This Covers

This is a flexible Commercial Combined Policy providing a range of covers to suit your specific needs, such as Property Damage, Business Interruption, All Risks, Money, Employers Liability and Public and Products Liability.

Main exclusions
– The Policy Excess – the first amount of each and every valid claim as stated in the Policy Schedule
– War and Civil War
– Radioactive, biological, chemical and/or nuclear contamination
– Faulty/Defective design materials, gradual deterioration, wear and tear
– Corrosion, rust, change in temperature, dampness, wet or dry rot, shrinkage, vermin, insects, scratching or tearing
– Faulty or Defective workmanship
– Unexplained disappearance or inventory shortage, delay or detention by Customs or Government Officials
– Jewellery, precious stones/metals, bullion, furs, rare books or works of art
– Theft by Employees
– Theft from UNLOCKED unattended vehicles
– Mechanical and Electrical Breakdown
– Acts of Terrorism – policy can be extended to include this cover upon request

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