- Alterations and misdescription.
- Architects and other professional fees.
- Capital additions.
- Demolition and clearing costs.
- Deterioration of foodstuffs.
- Dye-lots, colours, patterns and textures.
- External signs, blinds, canopies, gate motors, borehole and pool pump machinery and equipment.
- Fire extinguishing charges.
- Gardens, garden furniture and water features.
- Limitations: Money and stamps (up to the maximum stated on your policy schedule), documents, manuscripts, plans, business books, designs, patterns, models and moulds, computer systems records and media.
- Loss of water.
- Malicious damage.
- Mortgagee clause.
- Municipal plans scrutiny fees.
- Obsolete items.
- Prevention of access (only applicable to rent).
- Property removed temporarily.
- Public authorities' requirements.
- Railway and other subrogation clause.
- Reinstatements and replacements.
- Removal of fallen trees.
- Security firms (only applicable to legal liability).
- Security costs.
- Tenants' clause.
Buildings combined insurance
The king's got your properties covered
In a nutshell
- Bursting or overflowing of geysers and water pipes.
- Documents connected to your business or for which you're responsible.
- Escalation.
- Fidelity guarantee.
- Geyser and water pipes wear and tear.
- Locks and keys.
- Money.
- Office contents.
- Power surges.
- Riots and strikes.
- Subsidence and landslip.
- Trustees' indemnity.
