Fire

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  • Architects other professional fees.
  • Automatic reinstatement.
  • Capital additions.
  • Demolition clearing costs.
  • Disposal of salvage.
  • Earthquake.
  • Fire extinguishing charges.
  • Labourers/contractors/employees.
  • Limitations.
  • Mortgagee.
  • Municipal plans scrutiny fees.
  • Power surges.
  • Prevention of access.
  • Property removed temporarily.
  • Public authorities' requirements.
  • Public supply connections.
  • Railway other subrogation clause.
  • Rent alternative premises.
  • Reinstatements replacements.
  • Security costs.
  • Tenants' clause.
  • Vehicle loads.
  • Water heating pipes.
  • Weather related perils = storm, wind, water, hail and snow.

Loss or damage to property due to or caused by:

  • Escalation.
  • Goods in the open.
  • Leakage – First loss basis.
  • Leakage – Full value.
  • Malicious damage.
  • Riots strikes.
  • Subsidence landslip.