Office contents insurance

• Office contents: Loss of, or damage to, the office contents at your business (as noted on your policy schedule), including landlord’s fixtures and fittings belonging to you or for which you’re responsible, furniture, moveable property and office machinery belonging to you, or for which you’re responsible and all other contents of your office.
• Loss of, or damage to your office contents due to: Fire, lightning, thunderbolt, subterranean fire or explosion; storm, wind, water, hail or snow; aircraft and other aerial devices or articles dropped from them; impact by animals, trees, aerials; satellite dishes or vehicles or property in or on such vehicles; accidental damage or breakage of mirror glass, plate glass tops to furniture, or fixed glass forming part of any item or furniture; and intentional acts.
• Rent and alternative premises.
• Documents that are normally kept at the office premises and are connected with the business: Mortgage bonds, title deeds, films, tapes, addressograph plates, transfer deeds, powers of attorney, tender documents and agreements, deeds, mortgages, certificates, wills, manuscripts, business books, maps, plans, drawings abstracts, specifications, computer programmes and records (as noted on your policy schedule).
• Documents: Legal liability.
• Documents: Increased cost of working (with limitations and conditions as noted on your policy schedule).
• Alterations and misdescription.
• Capital additions.
• Demolition and clearing costs.
• Fire extinguishing charges.
• Load shedding power surges.
• Locks and keys.
• Malicious damage.
• New and additional premises.
• Prevention of access (applicable to rent).
• Property removed temporarily.
• Reinstatements and replacements.
• Skeleton keys.
• Temporary repairs.
• Tenants’ clause.

Loss or damage to property due to or caused by:

• A tsunami or tidal wave because of an earthquake.
• Any process involving the use or application of water.
• The underground workings of a mine.
• Intentional damage by you (or with your knowledge/consent), your principals, partners, members and directors.
• Subsidence or landslip (unless otherwise noted on your policy schedule).
• Removal (or partial removal) or demolition (or partial/attempted demolition) because of an attempted or successful theft at your building.
• The building being unoccupied, vacant, or abandoned for more than 30 consecutive days.
• Of cars or motors, including motorised scooters, LDVs, caravans, trailers, aircraft, trucks and watercraft, and all their accessories.
• Of electronic data processing equipment and related software, hardware and peripherals and the stored information or data (unless otherwise noted on your policy schedule).
• Of stock and materials in trade.
• Of property that’s more specifically insured.
• Of documents: Money, current postage or revenue stamps, cancelled and uncancelled coupons, securities, bearer bonds or cheques.
• Of documents: Any written order to pay a sum in money, or any written evidence of indebtedness or obligation.
• Of documents: Property carried or held as samples of for sale or for delivery after sale.
• Of documents: Costs, charges and expenses for reshooting films, videos and recording audio tapes.
• Of documents: Electric, electronic or magnetic injury, disturbance or erasure of electronic or magnetic recordings (except when it’s caused by lightning).
• Gradual deterioration or wear and tear of documents.
• Of documents: Vermin or inherent defects or the processing/copying of documents.
• Of documents: Dishonesty of any principal, partner, member or director (with exceptions and conditions as noted on your policy schedule).
• Of liability: Liability assumed by agreement (with exceptions as noted on your policy schedule).
• Of liability: Legal liability where your claim under office contents ‘Documents’ cover has been rejected.

• Power surges and lightning strikes.
• Riots and strikes.
• Subsidence and landslip.
• Theft with forcible entry/exit.
• Theft without forcible entry/exit.