Fire and Allied Perils: Physical Loss or Damage to insured Buildings, Plant, Machinery, Fixtures, Fittings and Stock; arising from Fire, Lightning, Explosion, Storm, Wind, Water, Hail or Snow and Impact Damage.

Business Interruption: Loss following the interruption of business as a result of physical loss or damage insured under a material damage policy e.g. Fire and Allied Perils.

Office Contents: Physical Loss or Damage to contents of offices and consulting rooms.

Accounts Receivable: Uncollectable debit balances as a result of destruction of records and cost for reinstating records; arising from loss or damage as a result of accident or misfortune.

Money: Loss or Damage to money at the insured business premises or whilst in transit.

Burglary: Loss or damage to contents within the building of the insured business premises, accompanied by forcible and violent entry into or exit from such building as a result of theft or attempt thereat following violence or threat of violence.

Glass: Loss or Damage to internal and external glass at the insured business premises.

Goods in Transit: Loss or Damage whilst in transit to goods incidental to the insured business during the course of collection and or delivery.

Accidental Damage: Accidental Physical Loss or Damage to property at the insured premises arising from losses not otherwise insured.

Business All Risks: Loss or Damage to specified property (usually portable property e.g. laptops, tools, etc.).

Buildings Combined: Physical Loss or Damage to Building/s (usually less hazardous buildings e.g. Flats, Offices, Schools, etc.) arising from those perils mentioned under the Fire and Allied Perils policy; also including cover for Loss of Rent and Property Owners Liability.