Property & Business

Section 1 - Material Damage

Accidental Physical Loss, Destruction or Damage from causes not excluded under the policy

Section 2 - Business Interruption

Loss of Profit due to interruption or interference with in consequence or damages indemnifiable under Section 1

To indemnify the Insured against loss of or damage to property insured as specifically described in the policy caused by :-

- Fire, Lightning and Domestic Explosion and other selected extraneous perils (if any)

• Aircraft Damage
• Burst of Water Tanks / Apparatus etc.
• Earthquake & Volcanic Eruption
• Explosion
• Flood
• Storm, Tempest
• Impact Damage
• Riot, Strike & Malicious Damage
• Substance & Landslip
• Bush / Lalang Fire
• Damage by Fallen Trees
• Spontaneous Combustion
• Electrical Installation Clause B
• Sprinkler Leakage
• Smoke Damage
• Undergoing Heating Processes

Loss of Profit due to interruption or interference with in consequence or damages indemnifiable under Fire Policy

Extensions:

• Prevention of Access
• Public Utilities
• Infectious Disease
• Specified Suppliers
• Unspecified Suppliers
• Specified Customers

Against any loss of or damage howsoever caused to the property insured or any part thereof except as excluded

To cover the property being lost and / or destroyed and/or damaged by theft and / or housebreaking following upon forcible actual and violent entry or exit upon the said premises

Loss, Destruction or Damage to Money from whatever cause subject to policy exclusions

Reimbursement for direct pecuniary loss due to all acts of fraud or dishonesty committed by any of the Insured's employees in connection with his / her occupation during the uninterrupted continuance of employment

Unforeseen and sudden physical loss of or damage to the property insured from any accidental cause unless specifically excluded by the policy:

• While work or at rest
• While being dismantled for cleaning inspection or overhauling or during such operations themselves or subsequent re-erection but in any case only after successful commission