It covers stocks and contents owned by you or for which you are responsible or held in trust and/or commission at the insured premises. It also covers cash, valuables, securities kept in a locked safe or cash box in locked steel cupboard on specific request

The policy covers loss or damage caused due to

  • Actual forcible and violent entry to or exit from that part of the building occupied by you at the premises.
  • Assault or violence or threat of assault or violence to you (or your employees) or any other person lawfully at the premises e.g.; armed hold up
  • Theft of any content/stock from the insured premises where there is no forcible and violent entry or exit from the premises

The policy does not cover the following:

  • Valuables, cash, jewellery, curio, title deeds, business books (unless specifically insured)
  • Loss or damage the premises that involves any of your employees or intermediaries
  • Loss or damage resulting from an act of riot, strike (can be covered by payment of additional premium), malicious damage and terrorism
  • Damage to glass and sign boards
  • Loss or damage to contents or stock when the premises are left unoccupied for more than seven consecutive days unless the same has been reported to us in writing and our written approval obtained
  • Contents from the safe following the use of a key to gain access to the safe, or any duplicate thereof belonging to you unless such key has been obtained by aggressive or violent means
  • Any consequential loss or legal liability