To indemnify the Insured against loss of or damage to the subject matter insured caused by FIRE AND / OR LIGHTNING plus other extraneous perils.
FIRE CONSEQUENTIAL LOSS INSURANCE
To indemnify the Insured against loss of Gross Profit due to Reduction in Turnover and Increase in Cost of Working necessarily and reasonably incurred for the sole purpose of avoiding or diminishing the Reduction in Turnover, as a consequence of Fire or the Extraneous perils covered under the Fire policy.
INDUSTRIAL ALL RISKS INSURANCE
To indemnify the Insured against accidental physical loss destruction or damage to the subject matter insured other than by an excluded cause.
To indemnify the Insured against loss of gross profit due to reduction in turnover and increase in cost of working, as a consequence of loss destruction or damage indemnifiable under Section I of the Policy.
HOUSEOWNER / HOUSEHOLDER INSURANCE
Indemnify against loss of or damage caused by fire, lightning and other extraneous perils to the building of the private dwelling house, loss or damage to the contents thereof (household goods and personal effects); loss of rent and liability to the public.
OFFICE ALL RISKS INSURANCE
Indemnify against loss of or damage to the property insured or any part thereof by any accident or misfortune unless specifically excluded.
To cover the property being lost, destroyed or damaged by theft or housebreaking following upon forcible actual and violent entry or exit upon the said premises.
To indemnify the Insured against loss of money by any cause whatsoever, in respect of money-in-transit and by Housebreaking or burglary in respect of money-in-premises.
PLATE GLASS INSURANCE
To indemnify the Insured for any glass broken by fracture extending through the entire thickness of the glass as a result of any accident or misfortune not otherwise excluded.
LATENT DEFECTS INSURANCE
To indemnify the Insured against damage to insured buildings (or civil structures) arising out of latent defects, i.e. Defects in the design, materials or construction of the building which were not discovered until after the building has been completed.