Damage

•  Alternative premises - Business contents ($10,000)
• Architects, surveyor & legal fees
• Automatic reinstatement of Cover
• Building materials & supplies ($100,000)
• Claims preparation expenses ($10,000)
• Customers goods ($5,000)
• Discharge of mortgage fees ($5,000)
• Equipment on hire - Business contents ($1,000)
• Exploratory costs ($5,000)
• Fire extinguishment costs ($10,000)
• Flood (20% of the replacement cost)
• Goods on consignment ($10,000)
• Government fees - buildings ($10,000)
• Landscaping ($5,000)
• Open air Cover - Business contents ($1,000)
• Personal effects ($5,000 per person)
• Temporary protection ($10,000)
• Temporary removal ($10,000)
• Undamaged business contents

Business Interruption

Automatic reinstatement of Cover

Accounts Receivable & Business Documents

Automatic reinstatement of Cover

 Burglary of Business Contents

•  Alternative premises - Business contents ($10,000)
• Automatic reinstatement of Cover
• Customer goods ($5,000)
• Damage to business premises
• Equipment on hire ($1,000)
• Goods on consignment ($10,000)
• Personal effects ($1,000)
• Replacement of locks & keys ($2,000)
• Restoration of security system
• Theft ($1,000 any one claim or $2,500 any one period of Cover)
• Temporary protection and security ($2,000)
• Temporary removal ($10,000)
• Temporary repairs & removal of debris

Money

• Automatic reinstatement of Cover
• Employee(s) or voluntary worker(s) money ($150 any one employee or voluntary worker)
• Moeny on business premises ($750) 

Employee Dishonesty

• Claims preparation expenses ($2,000)
• Unidentifiable employees

Equipment Breakdown

Automatic reinstatement of Cover

Glass

Internal and external glass

General Property

Automatic reinstatement of Cover

Voluntary Workers Personal Accident

• Lifestyle modification ($10,000)
• Injury resulting in fractured bones
• Injury resulting in surgery
• Disappearance
• Exposure to the elements of the weather
• Funeral expenses ($5,000 per voluntary worker and $20,000 in total)

Public Liability & Products Liability

• Documents
• Estates & legal representatives
• Unregistered vehicles 

Professional Indemnity

Automatic reinstatement of Cover

Directors’ and Officers’ Liability, Company or Association Reimbursement and Entity Cover

• Acquired interests
• Advancement of defence costs
• Automatic reinstatement of Cover
• Estates and legal representatives
• Indemnifiable fines and penalties
• Insured vs Insured
• Run off Cover
• Spousal liability

Employment Practices Liability

• Acquired interests - Organisation
• Advancement of defence costs
• Automatic reinstatement of Cover

Inquiries and proceedings

Legal costs and expenses ($50,000)

• Emergency repairs aned travelling costs ($200 any one claim)
• Personal items ($50 per item)
• Vehicle hire expenses following theft of your vehicle ($1,500 any one claim)
• Towing charges and protection costs
• Automatic Cover for replacement vehicle
• Uninsured third parties ($1,500)
• Employee and voluntary workers vehicles ($2,000)