Property all risks reverses the logic of a fire policy: accidental physical damage is covered unless the wording specifically excludes it. It suits businesses whose exposures do not fit neatly into a list of named perils.
- Accidental damage to buildings, plant, contents and stock at declared locations
- Fire, water damage, impact, theft involving entry, and accidental breakage
- Extensions for temporary removal, capital additions and newly acquired locations
- Business interruption written on the same wording and the same values
The standard exclusions remain: wear and tear, gradual deterioration, faulty design, mechanical breakdown, and unexplained inventory shortage.
From enquiry to cover
We map the risk
A short conversation about what you do and what you own, so the cover matches reality.
We go to the market
We compare wording and limits across insurers, not the premium alone.
You choose, we place
We explain the differences in plain terms, then place the policy you pick.
We run the claim
If something happens, the file is ours to follow through to settlement.
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