The Basics

This section includes the covers that form the basis of a typical comprehensive insurance policy. Click on any link from the lists below to find out more:

 

Material Damage (damage caused by a sudden, unforeseen event)

Fire
Earthquake
Explosion
Aircraft (aerial devices)
Riot, Civil Commotion
Malicious Damage
Storm and Tempest
Flood
Terrorism
Burst Pipe
Impact
Subsidence

 

Liabilities (where you may be faced with paying a third party as a result of something you did or didn’t do)

Employers’ Liability
Products Liability
Public Liability

 

Other Basic Covers (these address risks faced by the majority of businesses)

Accidental Damage
All Risks
Business Interruption
Computer
Goods in Transit – by others
Goods in Transit – own goods
Money
Motor
Theft

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