Property All Risk.

Yes. Theft and burglary are typically covered, subject to policy conditions, security requirements and any applicable sub-limits.

Yes, if Deterioration of Stock cover is included. This protects against spoilage caused by equipment breakdown or temperature control failure.

Flood cover is generally included under Property All Risk policies, subject to underwriting terms, location risk and risk mitigation measures.

Debris removal covers the cost of clearing damaged property following an insured event. These costs can be substantial and are often overlooked without adequate cover.

Yes. Business Interruption can be added to protect loss of income and ongoing expenses following insured property damage.

Policies should be reviewed annually, or when there are changes to property values, equipment, stock levels, risk location, occupancy or operations.

We structure property programmes that are aligned to your asset profile and operational needs, and provide hands-on claims support to help you recover quickly after a loss.