Accounts receivable insurance

• Loss of, or damage to, your accounting books, or other business books or records which result in you being unable to trace or determine your outstanding debt balances.
• Reasonable increased collection costs and expenses which you incur as a result of the loss of, or damage to, your books.

Loss or damage to property due to or caused by

• Wear and tear or gradual deterioration.
• Moths or vermin.
• Detention or confiscation by any lawfully constituted authority.
• Electrical, electronic or magnetic damage (unless you have duplicates stored at a different premises).
• Fraud or dishonesty by your principal, director, member, partner or employee.