Property All Risk Insurance & Business Interruption Insurance
Property all risks insurance policies provide cover for financial reimbursements following a loss or damage to your owned or rented property. Whether you own a property and are concerned about any damages that can occur or are a renter and are concerned about damages to your contents, we can structure the right cover for you.
Types of Perils Covered Under a Property All Risks Insurance Policy
- Fire
- Natural disasters (floods, earthquakes, storms, cyclones)
- Malicious damage, riots, and strikes
- Burglary following violent forcible entry or exit.
- Bursting of water pipes and apparatus
- Lighting
- Explosion
- Aircraft or articles dropped therefrom.
- Accidental damage or impact damage

What Types of property can be covered under a Property all Risks Insurance policy?
- All types of buildings (Residential, commercial, schools, hospitals, factories, warehouses etc)
- Office contents and equipment
- Stocks
- Plant and machinery
- Furniture, fixtures, and leasehold improvements
The following items can be insured in connection to the property owned or rent
- Loss of rent (As income or as rent payable)
- Loss of gross profit (Business interruption cover)
- Third party liability towards landlord or tenants
Typical exclusions in a property all risks insurance policy
- Political Risk Insurance (war, terrorism, sabotage)
- Property All Risks Insurance for the Property in course of manufacturing or property being worked upon
- Loss or damage to money, cheques, evidence of debt and securities of all kind
- Machinery breakdown or derangement
- Nuclear risks
- Willful destruction of property
Typical scope of business interruption insurance
- Consequential loss insurance
- Property insurance policy
- Gross profits insurance
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