Comprehensive Protection for Your Valuable Assets
Property Insurance
Property All Risks (PAR)
Property All Risks insurance provides broad protection for business assets against sudden and unexpected physical loss or damage. It brings buildings, contents, machinery and stock under one policy so businesses can recover quickly after major incidents.
Who this cover is designed for
- Owners and tenants of commercial premises
- Manufacturers and processors
- Hospitals, hotels, malls and offices
What this cover typically includes
- Buildings and permanent structures
- Business contents, machinery and equipment
- Stock and materials
- Accidental loss or damage
Why this cover matters
- Wide protection with fewer coverage gaps than named perils
- Single policy simplifies asset protection across multiple sites
- Supports faster claims and reinstatement planning
Typical situations where this cover helps
- Fire or water damage to premises
- Accidental damage to machinery
- Storm impact on roofs and fit-outs
Fire (Perils)
Fire insurance provides focused protection against damage caused by specific insured events such as fire, lightning and explosion. It delivers essential property cover at a clear, cost‑effective level.
Who this cover is designed for
- Small–medium businesses
- Single‑location premises
- Low‑to‑moderate property risk operations
What this cover typically includes
- Fire damage
- Lightning and explosion
- Selected extended perils if included
Why this cover matters
- Clear, named triggers make coverage easy to understand
- Affordable base protection for assets
- Easy to pair with Business Interruption
Typical situations where this cover helps
- Fire in storage area
- Explosion in utility room
Business Interruption
Business Interruption insurance protects income and fixed expenses when operations are disrupted following insured property damage. It helps maintain payroll and cash flow while repairs are underway.
Who this cover is designed for
- Revenue‑dependent businesses
- Manufacturers and processors
- Retail, hospitality and healthcare operators
What this cover typically includes
- Loss of gross profit or revenue
- Fixed operating expenses
- Increased cost of working to reduce downtime
Why this cover matters
- Stabilises cash flow during recovery
- Helps retain staff and customers
- Customisable indemnity periods
Typical situations where this cover helps
- Production halt after fire
- Loss of revenue during major repairs
