This cover protects the physical capital represented by buildings, plant & machinery, contents, stock in trade, etc.

The policy may be extended to cover loss or damage caused by the following perils:-

• Explosion
• Earthquake, fire and/or shock
• Riot, strike and malicious damage
• Storm tempest
• Flood
• Bursting or overflowing of water tanks apparatus and/or pipes
• Aircraft or other aerial devices and/or articles dropped there from
• Impact by road vehicles, horses or cattle
• Subterranean fire
• Bush fire

Requirements to place cover:

• Completed proposal form
• Breakdown of the schedule of items to be covered with latest values
• Payment of premium
• Pre insurance survey on selected risks

Documents required to register a claim:

• Completed claim form
• Invoices
• Police abstract (where applicable)