Key Benefits

Property All Risks Policy provides coverage against loss of or damage to your tangible assets e.g. Building, Fixtures, Fittings and Furniture, contents including gates, Fences, Car parks within insured premises.

The Policy protects against a various perils which are not specifically excluded by the policy. Examples are:

• Earthquake
• Aircraft/other aerial devices dropped there from.
• Smoke caused by Accidental Fire.
• Storm, Tempest and Flood.
• Bursting/overflowing of water pipes, tanks or apparatus.
• Theft / Burglary Risk following forcible and violent entry or exit from the premises.
• Strike, Riot & Civil Commotion (Subject to limits).
• Malicious Damage.




Note: Adequate care must be undertaken while fixing sum Insured.

Key Exclusions

• Electrical or mechanical breakdown or derangement of plant, machinery or equipment.
• Deterioration of property due to change in temperature or humidity or failure or inadequate operation of an air-conditioning, cooling or heating system.
• Property held in trust or on commission unless specifically covered under the policy.
• Nuclear Clause .
• War and Terrorism.
• All kind of Political risks including but not limited to the Terrorism & Sabotage.
• Asbestos Clause.
• RADIOACTIVE Contamination, Chemical, Biological, Bio-Chemical and Electromagnetic Weapons.
• Normal Wear and Tear .
• Inherent defects .
• Fines/ Penalties on the insured.
• Date Recognition Clause.
• Any direct or indirect loss by infectious disease, outbreak of epidemics & pandemics.
• Consequential loss.




This is not an exhaustive list. Please refer policy wordings for detailed coverage, exclusions and conditions.

Download Section

– Property All Risk Policy
– Property All Risk Proposal Form

Key Benefits

Consequential Loss Policy can benefit with following covers.

• Loss of Profits.
• Loss of Revenue.
• Loss of Rental.
• Standing Charges.
• Wages or Salaries on payroll basis.
• Increase Cost of Working due to business interruption.

Key Exclusions

• Nuclear risks
• War and Terrorism.
• All kind of Political risks including but not limited to the Terrorism & Sabotage.
• Asbestos Clause.
• RADIOACTIVE Contamination, Chemical, Biological, Bio-Chemical and Electromagnetic Weapons.
• Normal Wear and Tear.
• Inherent defects.
• Fines/ Penalties on the insured.
• Date Recognition Clause.
• Any direct or indirect loss by infectious disease, outbreak of epidemics & pandemics.




This is not an exhaustive list. Please refer policy wordings for detailed coverage, exclusions and conditions.

Download Section

– Business Interruption - Wording
– Business Interruption Proposal From (English)