Essential Property Owners

COVER INCLUDES:

• Contract Works up to £100k contract limit
• Diminution in Value up to £100k
• Reinstatement to Match
• Trace and Access cover up to £25k
• Frustrated Legal Costs up to £10k
• Loss of keys up to £15k
• Loss of Metered Water, Electric and Gas up to £25k
• Engineering Breakdown cover as Standard Including
• Computer Equipment £250k
• Reinstatement of Data up to £25k
• Increased cost of working up to £30k
• Frozen foods up to £15k
• Expediting Expences up to £20k
• Hired in Plant up to £25k
• Extensions available include Legal Expenses, Financial Loss, and Legionellosis

Buildings

• ‘’All Risks - Specified Perils’’ cover
• Cover available on: Re-instatement, Indemnity or Loss of
• Market Value
• Adjacent Property Damage up to £150,000
• Contract Works up to £100,000
• Frustrated Legal Costs up to £10,000
• Loss of keys up to £15,000
• Metered Water, Electricity & Gas charges up to £25,000
• Removal of Tenant’s Debris of up to £25,000
• Trace & access up to £25,000

Loss of Rent

• Cost of re-letting
• Additional expenditure to avoid Loss of Rent
• Business rates payable by the insured as a result of damage
• PR expenditure
• Accelerated re-instatement expenditure
• Accountants fees
• Additional Increased Cost of Working (Optional)
• Advanced Rent (Optional)
• Contingency rent up to £500,000
• Loss of attraction £500,000

Property Owners Liability

• £5M/10M Limit Of Indemnity (LOI) options
• Optional Covers available for:
• Legionellosis (£1,000,000 Limit)
• Financial Loss (£1,000,000 Limit)

Employer’s Liability

• Legal liability for damages and legal costs up to
• £10M/£25M LOI options

Engineering Breakdown

• Computer Equipment up to £250,000
• Reinstatement of Data up to £25,000
• Increased costs of working £25,000

This is a summary of the cover available. Please refer to the Policy Booklet for full terms and conditions.