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Optional Cover

The following covers are available upon request:

Property

Buildings including landlords fixtures and fittings, outbuildings, extensions, annexes, adjoining gates and walls, together with other items such as: general contents, street furniture, gates and fences, war memorials, playground equipment, mowers and machinery, sports equipment, natural and other sports surfaces.

The policy covers Commercial "all risks" including physical loss or damage in respect of fire, lightning, aircraft, explosion, riot, civil commotion, malicious damage, storm, tempest, flood, theft following forcible entry to or exit from the building, damage resulting from burst pipes, impact and earthquake (but not in respect of buildings in the course of construction) plus accidental damage.

Business Interruption

Loss of revenue following loss due to damage arising from an insured event under the property damage cover and increased working costs in relation to any additional expense you necessarily and reasonably incur, solely to prevent or limit a reduction in revenue.

Increased working costs following loss due to damage arising from an insured event under the property damage cover; we will pay your additional expenditure to enable you to continue your financial commitments.