- Accounts receivable.
- Architects & other professional fees.
- Capital additions.
- Cross liabilities.
- Crossed cheques.
- Demolition & clearing costs.
- Deterioration of foodstuffs.
- Disposal of salvage.
- Emergency medical expenses.
- Employees' & visitors' property.
- External signs, blinds, building canopies, gate motors, borehole & swimming pool pump machinery & equipment.
- Fire extinguishing charges.
- Gardens, garden furniture & water features.
- Gratuitous advice.
- Load shedding power surges.
- Locks & keys.
- Loss of water.
- Power surges & lightning strikes.
- Prevention of access.
- Property temporarily removed.
- Public authorities' requirements.
- Public supply connections.
- Receptacles & clothing.
- Removal of trees.
- Rent & alternative premises.
- Security costs.
- Skeleton keys.
- Tenant's liability.
- Water heating systems & pressurised pipes.
In a nutshell
In South Africa we have around 7,000 churches and around 26,800 schools, including both public and private. Churches and schools both have resources and assets which are incredibly important to their purpose, like offering child-safe transport or guidance and support to a community. Obviously there is no room for error when it comes to the protection of these types of entities and comprehensive cover which offers the flexibility and freedom of choice is vital.
Target market
All churches & related organisations
All public & private schools.
Churches & schools cover
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- Accidental damage.
- Bursting or overflowing of geysers, water heating systems & pressurised water pipes (cover for wear & tear can be included).
- Business all risk.
- Electronic equipment.
- Employees' & visitors' property.
- Escalation.
- Fidelity cover.
- General liabilities.
- Glass.
- Goods in the open.
- Goods in transit.
- Leakage by sprinklers, drenching systems of fire extinguishing equipment.
- Malicious damage.
- Motor: Passenger liability & unauthorised passenger liability.
- Motor: Specified or fleet basis (deposit premium options).
- Non-forcible & violent entry into vehicle.
- Office contents.
- Personal accident & stated benefits.
- Prevention of access.
- Products liability.
- Riot & strike.
- Security services.
- Spread of fire.
- Subsidence & landslip.
- Theft with & without forcible or violent entry/exit.
