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Covers loss of business-related assets within your work premises which includes:

• Stock-in-trade
• Furniture
• Fittings and fixtures
• Machinery, tool and moulds
• Office equipment
• Goods held in trust or on commission

Standard Coverage

• Protects vital business assets including:
  • Stock-in trade
  • Office equipment
  • Plant and machinery
  • Any other business-related goods
• Covers theft with forcible and violent entry and the following unlawful acts:
  • Attempted theft by a person hiding in the insured premises
  • Hold-up
  • Armed robbery
• Damage to the building
  This should fall as a result of theft or an attempt to break-in.
• Sum insured will either be issued on a:
  • Full Value Basis: The maximum value of your property will be insured.
  • First Loss Basis: You will be insured for the maximum amount a thief could possibly steal from your property. 

Note:
The property must be in the premises described in the Policy and not in the yard or outbuilding. Property temporarily removed from the premises is not covered.

This list is non-exhaustive. Please refer to our policy contract for the full list of exclusions under this policy.

✖ Strikes, riots and civil commotion.

✖ Premises unoccupied for over 30 consecutive days.

✖  Confiscation by order of any Government or public authority.

✖  The accusation of theft directed at a person lawfully allowed in the premises or a member of your business.

✖  Radioactive and nuclear energy risks.

✖  Terrorism, war or related risks.

✖  Loss or damage caused by pollution or contamination