Commercial Insurance

Under this section you may claim for:

• buildings

• other property kept inside your business premises, including:

• machinery, tools and equipment
• fixtures and fittings
• stock and materials
• miscellaneous items

We will indemnify the insured if they lose turnover/sales/revenue/income as a result of any damage caused by any of the fire perils in their policy and that lead to the interruption of their business. We will place the insured in the same position as they were before the damage, so that their business can continue to operate.

For loss of or damage to commercial buildings, sporting and recreational structures, and outbuildings, including the landlord’s fixtures and fittings as well as boundary walls, gates, tarred and paved roads, driveways, paths or parking areas for which the insured is legally responsible.

For physical loss of or damage to the contents of the insured’s office at the insured business premises.

If the insured experiences a financial loss because they are unable to trace or establish the outstanding debit balances owed to them after the accidental physical loss of or damage to their business books of account and records.

For physical loss of or damage to the insured’s property, including stock, as a result of anyone breaking into their business premises using visible, forcible and violent entry into or exit from such premises and removing or attempting to remove their property without the intention of returning it.

For physical loss of or damage to legally tendered cash, crossed ‘not transferable’ cheques, credit card vouchers, postal or revenue stamps.

For financial loss if the insured’s property is stolen by an employee or by anyone else acting in collusion with an employee, including any members, partners, directors or principals.

For accidental breakage of all fixed window, door, mirror, furniture and other fixed glass for which the insured is responsible at their business premises.

For loss of or damage to the electronic equipment at the insured’s business premises. 

For accidental physical loss of or damage to the items that the insured, a member, director, partner, principal or employee normally carry around for business purposes while away from the business premises. Cover is worldwide.

For accidental loss of or damage to the goods owned by the insured or for which they are responsible, when being loaded onto, conveyed by or unloaded from any vehicle or railway carriage. Cover for the ropes, canvas and tarpaulins used to transport the goods is included. The goods are also covered for up to 96 hours while in storage during the transport process.

For accidental physical loss of or damage to the insured’s goods, or goods in their custody at their business premises.

If the insured is held legally liable for damages resulting from accidental death, bodily injury or illness of any person, or accidental loss or physical damage to any tangible property not belonging to them, occurring in the course of or in connection with their business while they are insured with us.

If the insured are held liable for damages resulting from an employee’s accidental death, bodily injury or illness, occurring in connection with their business, and suffered while the employee was carrying out their duties.

For any accident damage to the insured vehicle, or if it is stolen. The insured may also claim for the damage they caused to other parties’ property.

For certain specified fire damages to the insured vehicle, or if it is stolen. The insured may also claim for the damage they caused to other parties’ property. The insured may not claim for accident damage to their own vehicle.

The insured may only claim for the damage they caused to other parties’ property.

The insured can claim if their motorcycle is damaged or stolen, as well as for the damage they caused to other parties’ property.

The Insured can claim if their trailer is damaged or stolen. The insured may also claim for the damage they caused to other parties’ property.

They insured can claim if their golf cart is damaged or stolen and for the damage they caused to other parties’ property.