Buildings includes:
All Risks (Accidental Damage)
Underground Services
Architects & Surveyors Fees
Removal of Debris
Automatic reinstatement of sums
Insured following loss
Settlement on New for Old basis
Subsidence
Business Interruption includes:
24 Months Indemnity period
Automatic cover up to £600,000
Alternative accommodation up to £10,000
Extensions include:
Denial of access
Food poisoning
Infectious or contagious diseases, murder
or suicide
Unspecified suppliers up to £10,000
Money includes:
£3,000 during business hours, transit or
night safe
£1,000 overnight in safe
£250 out of safe
£500 out of business hours at insured’s
private address
Personal Assault:
Includes £10,000 Compensation for death, loss of
sight or limbs
Glass:
Includes Internal and External glass plus boarding
up costs
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Contents includes:
All risk (Accidental damage)
20% seasonal stock increase from
15th November to 15thJanuary
Employees Guests Personal effects
up to £500 each
Theft of garden furniture - £500
Liabilities includes:
Employers Liability – Indemnity limit £10,000,000
Public Liability – Indemnity limit £2,000,000
Cover also provided in respect of:
Defective Premises Act 1972
Consumer protection Act 1987
Health & Safety at Work Act 1974
Damage to rented premises
Loss of Licence:
Limit of Indemnity £100,000
Book Debts:
Cover against accidental damage or
theft of account books, limits £25,000
Goods in Transit:
All risks cover for property in transit by
Own vehicles, including unloading and loading - £3,000
Frozen Foods:
Loss or deterioration of stock due to
breakdown of cabinet or accidental
failure of electricity supply - £2,000
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