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Key Benefits - covers Material Damage and Business Interruption

This is a Package Policy providing cover against Material Damage and Business Interruption. This policy provides cover against all risks/ perils other than those which are excluded in the Policy.

Section I - Material Damage

  • Architects', Surveyors and Consulting Engineers' Fee clause
  • Designation of Property Clause
  • Escalation Clause
  • Omission to insure additions, alterations or extensions clause
  • Temporary Removal of Stocks clause

Section II - Business Interruption

  • Suppliers' and Customers' Premises extension
  • Failure of Utility services at the terminal ends
,
  • Main exclusions

    Material Damage

    The Policy will not cover any claim due to:

  • Faulty or defective design materials or workmanship
  • Interruption of the water supply, gas, electricity or fuel systems or failure of the effluent disposal systems
  • Collapse or cracking of buildings
  • Larceny
  • Coastal or river erosion
  • Wilful act or gross negligence of the insured
  • Cessation of work, delay
  • War,warlike operations
  • Nuclear risks
  • The destruction of property by order of any public authority
  • Business interruption

    The policy does not cover loss resulting from interruption of or interference with the business, directly or indirectly, attributable to

  • Any restriction or reconstruction or operation imposed by any public authority
  • The insured's lack of sufficient capital for timely restoration or replacement of property lost, destroyed or damaged
  • Electronic installation, computer and data-processing equipment
  • Deliberate erasure loss, distortion or corruption of information
  • Deductible stated in the schedule
  • Wilful act or gross negligence of the insured
  • Cessation of work, delay
  • War, warlike operations
  • Nuclear risks
  • The destruction of property by order of any public authority
  • This is not an exhaustive list.

    For further details and quotation, talk to us today at 1800-103-2292 (Toll free) or visit one of branches

Policy's Coverage
  • Main exclusions

    Material Damage

    The Policy will not cover any claim due to:

  • Faulty or defective design materials or workmanship
  • Interruption of the water supply, gas, electricity or fuel systems or failure of the effluent disposal systems
  • Collapse or cracking of buildings
  • Larceny
  • Coastal or river erosion
  • Wilful act or gross negligence of the insured
  • Cessation of work, delay
  • War,warlike operations
  • Nuclear risks
  • The destruction of property by order of any public authority
  • Business interruption

    The policy does not cover loss resulting from interruption of or interference with the business, directly or indirectly, attributable to

  • Any restriction or reconstruction or operation imposed by any public authority
  • The insured's lack of sufficient capital for timely restoration or replacement of property lost, destroyed or damaged
  • Electronic installation, computer and data-processing equipment
  • Deliberate erasure loss, distortion or corruption of information
  • Deductible stated in the schedule
  • Wilful act or gross negligence of the insured
  • Cessation of work, delay
  • War, warlike operations
  • Nuclear risks
  • The destruction of property by order of any public authority
  • This is not an exhaustive list.

    For further details and quotation, talk to us today at 1800-103-2292 (Toll free) or visit one of branches