This policy is intended to cover all material loss or damage for direct physical loss or damage to your insured physical contents at premises occupied as business premises caused by or arising from the insured perils described in the policy.

Scope of Cover:
Loss of or damage to the above contents, other than documents caused by the under noted perils. Fire, lightning, explosion, riot and strike, malicious damage, earthquake, hailstorm, wind, floods and related perils, damage as a result of bursting water pipes, theft or any attempt thereat, accidental breakage.
Note, theft is restricted to contents whilst in insured’s premises and up to 10% of the sum insured: theft accompanied by forcible and violent entry into or exit from the premises.