All Risks Insurance

Business Insurance

Comprehensive cover that protects your business assets against unforeseen losses and unexpected events.

What’s protected

Your reputation and professional obligations with Professional Indemnity Insurance

Each of these insurance products can be taken on its own or bundled together for a more comprehensive “all risks” solution tailored to your business.

What’s covered

All Risks	Losses caused by flooding, fire, theft, or accidental damage Third-party liability claims Property damage to buildings, stock, or contents Losses arising from natural disasters and unforeseen events
Business Interruption	Loss of income following an insured event Additional operating expenses to keep the business running Cover for temporary relocation costs Protection against disruption to supply chains
Group Personal Accident	Accidental death or injury of employees Medical expenses and hospitalisation cover Weekly benefits for temporary disability Lump-sum payments for permanent disability Compensation to dependents in case of fatal accidents
Machinery Breakdown	Repair or replacement costs for machinery and equipment Cover for sudden and unforeseen mechanical or electrical breakdowns Losses due to production stoppages Protection for boilers, pressure vessels, and critical industrial equipment
Professional Indemnity	Claims arising from professional negligence, errors, or omissions Cover for breach of professional duty Defence costs in legal proceedings Compensation for financial loss suffered by clients due to your advice or services

Key things to know

All Risks Insurance applies only to sudden and unforeseen events — normal wear and tear or gradual deterioration are not included

Business Interruption Insurance applies only if the underlying cause of loss is insured under the policy

Group Personal Accident Insurance applies only to accidental injury, disability, or death, and not to illness or disease

Machinery Breakdown Insurance applies only to sudden and unforeseen failures — proper maintenance and compliance with safety requirements are essential

Professional Indemnity Insurance excludes fraudulent, dishonest, or intentional acts; only negligence or unintentional errors are covered