Types of businesses covered by this product:

• Doctors
• Dentists
• Physiotherapists
• Optometrists
• Veterinary surgeons
• Orthodontists
• Chiropractors
• Audiologists
• Psychiatrists

Auto & Practice is our tailor-made product for you, carefully designed around the unique needs of your specific business. It contains exactly the right combination of traditional policy sections to ensure that your business is comprehensively looked after. Clauses and features that have no relevance to the type of business you run and just unnecessarily increase your premiums, have been done away with. You still have the flexibility to include additional cover which will be of true benefit to your business.

The cover sections summarised here are those available for our Auto & Practice offering. Certain sections serve as standard inclusions in your policy and others are optional – all depending on the exact nature of your business.

A dentist, for example, automatically enjoys all cover highlighted below, with the option to add the other sections:



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	Fire	Covers your business property against loss and damage due to a wide scope of perils ranging from fire, lightning, earthquakes, storms and snow to charges for fire extinguishing at your business premises.
	Business Interruption	To place you back in the same position if you lose turnover/sales/revenue/income as a result of loss or damage to your business property.
	Office Contents	Specific cover for the office furniture you keep inside your business premises.
	Theft	Ensures that your business goods will be covered against robberies and burglaries.
	Money	Protects you in the event of loss of or damage to your cash, cheques or even your safe.
	Glass	Specific cover for the fixed glass at your business premises.
	Electronic Equipment	A specialised cover extension for loss and damage to your computers and licensed software used for business purposes.
	Portable Business Possessions	Provides wider cover for business items that are regularly taken away from your insured premises.
	Public Liability	Protects you if you are held legally responsible for injuries, death or damage to a third party.
	Goods in Transit (Optional)	Cover for your business goods when being transported.
	Motor (Optional)	Ensures protection of your vehicle/s against accidents, theft and many other incidents, depending on the type of cover you have selected.
	Accounts Receivable	Compensates you if you cannot trace amounts owed to you because your financial records were lost or destroyed in an incident covered under the fire section of your policy.
	Fidelity Guarantee	Protects you against losses suffered due to fraud by employees.
	Personal Accident	Provides insured owners and shareholders with cover for death, disablement and medical expenses after an accident.
	Employers’ Liability (Optional)	Protects you if you are held legally responsible for injuries, death or illness suffered by an employee.
	Accidental Damage (Optional)	A unique extension to cover your business goods against accidental loss and damage. These incidents are not insurable under any other policy section.

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