Property All Risks Insurance
Safeguarding your physical property and protecting your business income during disruptions
General Insurance Broker Asia
What is Property All Risks Insurance?
Property all risks insurance is a comprehensive policy that provides broad coverage for your business assets against a wide range of unexpected losses.
Key Coverages
Physical Damage
This policy covers physical damage to your business property, including buildings, equipment, and inventory.
Business Interruption
Cover losses due to business interruptions caused by covered events.
Additional Coverages
Depending on your specific needs, your policy may also include coverage for other risks such as extra expenses, stock and equipment, and cyber liability.
While property all risks insurance provides broad coverage, there are certain exclusions that may apply. These exclusions typically include:
- War and Acts of Terrorism: Losses caused by war, invasion, or acts of terrorism are generally not covered.
- Intentional Acts: Damage caused by intentional acts of the insured or their employees is not covered.
- Wear and Tear: Normal wear and tear, gradual deterioration, or depreciation of property are not covered.
- Earthquakes (in certain regions): Depending on your location, earthquakes may be excluded or subject to additional limitations.
- Flood (in certain regions): Flood coverage may be optional or subject to additional limitations.
- Other Exclusions: Please refer to your specific policy for a complete list of exclusions.
Who needs Property All Risks Insurance ?
- Business Owners
- Property Investors
- Industries: retail, manufacturing, services, hospitality, etc
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