This policy is intended to cover all material loss or damage for direct physical loss or damage to all your insured property as the result of accidental causes.

Scope of Cover:

Accidental physical loss of or damage to the insured property at or about the premises not otherwise insured or which insurance is available and described.

Indemnity by definition simply means compensation for damage or loss.  Professional indemnity insurance protects you and your business against claims for alleged negligence or breach of duty arising from an act, error or omission in the performance of professional services.

Scope of Cover:

Professional indemnity insurance provides cover for claims brought against the policyholder due to their professional negligence

Types of Professional Indemnity: 
Negligent act, error or omission this indemnifies the policyholder against loss/circumstances incurred only as a result of their negligent act, error or omission in carrying out the policyholder's business. This is the narrowest form of cover

Breach of duty A typical PI policy will provide indemnity to the insured against loss arising from any claim or claims for breach of duty which may be made and reported to the insurers during the policy period by reason of any neglect, error or omissions committed in the conduct of the insured’s professional business. [1]

Civil liability Some PI policies go further than the standard cover and provide indemnity 'for any civil liability'. This covers such areas as breach of contract, libel and slander. (Some standard cover policies may also include libel and slander as extensions to the policy wordings if required.)

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

Scope of Cover:
Damage to the whole or part of property described in the schedule, owned by the insured for which they are responsible by.

Any workman in the employment of the insured and engage in an occupation mentioned in the schedule shall meet with an Accident or shall suffer a scheduled disease which results in such workman’s disability or death whilst engaged in the service of the Insured.

The Company will indemnify the insured against all sums for which the insured shall become liable. A compulsory cover by law.