COMMERCIAL AND PRIVATE

Impact damage to your building or property may be caused by collision with the building from an aircraft or aerial device, vehicle, animal, or parts of an aircraft.

Causes of damage typically allowable in an Insurance Policy
Collision by vehicle, aircraft, animal, etc., fire; smoke; explosion; lightning earthquake; storm; flooding; burst pipes;

Building and contents cover in a typical Policy provides for a range of incidents, such as:

• Debris Removal (clearing the site)
• Professional Fees (architects, surveyors, engineers etc.)
• Escape of oil
• Stealing or attempted stealing
• Cost of compliance with government or local authority requirements following the loss
• Fire Brigade charges
• Alternative accommodation
• Liability to the public
• Riot or ‘civil commotion’
• Glass breakage

When an insured loss results in the interruption of your business, your Policy will also cover any increased cost of working, e.g. rent, alternative accommodation, advertising the re-opening of a business, hire of additional equipment, emergency repairs.

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