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Industrial All Risks

Overview

This policy is a comprehensive policy which covers a wide range of risks that a large industry may face in its operations.

Features

Buildings, machinery, furniture, fixtures and fittings and electrical installations will be compensated according to the value that will be required to rebuild it (reinstatement value) and stocks will be compensated according to their market value.

  • In case you under-insure your property, this will be ignored when you make your claim if it is not above 15% of the sum you insured.
  • This policy covers against damages which may be caused to your machinery and equipment when they are sent out for repairs. It is valid for damages which occur within a 60 day period from the date they are sent out for repair.
  • This cover damages which may occur as a result of transit within the compound of the industry.

Benefits

Benefits which accompany this policy include damages caused by:

  • Bursting and overflowing of water tanks
  • Apparatus and pipes
  • Deterioration of stocks due to power failure following damage to premises of public power stations and electric service feeders (for Cold Storages)
  • Forest fire & subterranean fires
  • Leakage and contamination
  • Spoilage material damage
  • Sprinkler leakages
  • Spontaneous and landslide
  • Burglary (other than larceny)
  • Machinery breakdown/boiler explosion/electronic Equipment
  • Business Interruption following a fire
  • Business Interruption following machinery breakdown

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