What This Covers

This is an All Risks Policy which includes cover for Property Damage, Business Interruption including Theft, Money, Goods In Transit, Frozen Food, Employers Liability, 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 &/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 upon request

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