This is an All Risks Policy which includes cover for Property Damage, Business Interruption including Theft, Money, Goods In Transit, Frozen Food, Employers Liability, Public and Products Liability.

Main exclusions
– The Policy Excess – the first amount of each and every valid claim as stated in the Policy Schedule
– War and civil war
– Radioactive, biological, chemical and/or nuclear Contamination
– Faulty/Defective design materials, gradual deterioration, wear and tear
– Corrosion, rust, change in temperature, dampness, wet or dry rot, shrinkage, vermin, insects, scratching or tearing
– Faulty or defective workmanship
– Unexplained disappearance or inventory shortage, delay or detention by Customs or Government Officials
– Jewellery, precious stones/metals, bullion, furs, rare books or works of art
– Theft by employees
– Theft from UNLOCKED unattended vehicles
– Mechanical and electrical breakdown
– Acts of terrorism – the policy can be extended to include this upon request