Property All Risks

Property All Risks

This policy covers all risks of physical loss, destruction or damage to the insured property which occurred during the policy’s period and is subject to certain terms, conditions and exclusions. This policy provides a wider coverage range than the Fire and Allied Perils insurance policy. Noting that the PAR policy can be tailor made depending on the profession clients and their requirements.

The following extensions are available under the Property All Risks Insurance Policy:

  • Loss of profits business interruption
  • Loss of rent
  • Third party legal liability including the landlord's liability towards tenants and the tenants liability towards the landlords
  • Strikes, riots & civil commotions
  • Malicious damage
  • Accidental damage to plate glass fixed to the building
  • Expenses incurred on removing debris following the loss or damage of the insured property
  • Fire brigade charges and extinguishing expenses
  • Architects, surveyors, legal and consulting engineeing fees

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Fire & Allied Perils

Insurance House offers two kinds of policies:

  1. Fire Policy: This covers insurers against the risk of losses or damages due to fire and lightning only.
  2. Fire and Allied perils: Adding to the above mentioned cover, this type of policy covers a number of additional perils which may differ from one policy to another but most usually include the following perils:

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Public & Product Liability

This policy covers insured individuals against the legal liability that may arise out of an act of negligence against the losses or damages to third party properties, bodily injuries or deaths and legal expenses incurred in defending the liability with the consent of the insurer.

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Personal Accident

This policy covers death / disability arising out of an accident. The cover can be given on a 24 hour basis and a worldwide basis as well to employees during their vacation / business trips. Disability cover is also available for permanent total, permanent partial and temporary disabilities. Moreover, the policy can further be extended to cover the following additional benefits:

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