This form of insurance designed to cover insured properties whilst at specified locations and is essential for all types of properties whether personal or commercial.

All fixed properties, which are broadly categorized as follows whilst at specified locations, can be covered under the above Policy:

• Buildings
• Plant & Machinery, Equipments & Accessories
• Stock in trade
• Other Contents such as Furniture, Fixtures, Fittings, Office Equipments

This insurance policy basically covers Fire and Lightning. However, it is not customary to be extended to include a host of Allied Perils such as:

1. Storm, Tempest and Flood
2. Earthquakes
3. Bursting of Water Tanks, Apparatus or Pipes
4. Aircraft Damage
5. Impact Damage
6. Explosion
7. Strikes, Riots and Civil Commotion (SRCC)
8. Malicious Damage following (SRCC)
9. Burglary by forcible entry