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Afrikaanse weergawe

Buildings combined

Put your property in the king’s capable hands

In a nutshell

When it comes to insurance, we make your business, our business. So, place your agri insurance needs in our hands and choose our cover for the properties that belong to you, or for which you’re responsible.

King Price’s ‘Buildings combined’ insurance provides cover for these 5 sections:

  • Buildings.
  • Public supply connections.
  • Rent and alternative premises.
  • Legal liability.
  • Malicious damage.

‘Buildings combined’ agri insurance covers you against loss or damage to property due to:

  • Fire, lightning, thunderbolt, subterranean fire, explosion or earthquake.
  • Special perils such as storm, wind, water, hail and snow.
  • Theft or attempted theft.
  • Impact by animals, trees, aerials, satellite dishes or cars.
  • Aircraft and items dropped from them.
  • Accidental breakage of glass or sanitary ware, fixed mirror glass and fixed glass in stoves, windows, doors, fanlights, skylights, green-houses, conservatories and verandas, fixed wash basins, pedestals, sinks, lavatory pans, splash backs and cisterns.
  • Collapse/breakage of TV or radio masts or aerials.
  • Intentional acts by third parties.
  • Water, sewerage, gas, electricity and telephone connections being damaged accidentally.
  • The bursting or overflowing of water heating systems, which are specified separately.

You’re also covered for:

  • Alteration and misdescription.
  • Architects- and other professional fees.
  • Capital additions.
  • Damage by wild baboons, monkeys or animals.
  • Demolition and clearing costs.
  • Deterioration of foodstuff.
  • Dye-lots, colours, patterns and textures.
  • External signs, blinds, canopies, gate motors, borehole and pool pump machinery and equipment.
  • Fire extinguishing charges.
  • Gardens, garden furniture and water features.
  • Money, stamps, documents, manuscripts, plans, business books, designs, patterns, models and moulds, computer system records and media.
  • Locks and keys.
  • Loss of water.
  • The actions of mortgagees.
  • Municipal plan scrutiny fees.
  • Loss or damage to alarms and detection systems, electronic motors, telephonic communication equipment, closed circuit cameras and monitors, security control equipment and any accessories/attachments relating thereto.
  • Prevention of access.
  • Property removed temporarily.
  • Public authorities’ requirements.
  • Railway and other subrogation.
  • Reinstatement and replacement of property.
  • Removal of trees.
  • Security firms and security costs.
  • Subsidence and landslip.
  • Temporary removal.
  • Temporary repairs and measures after a loss.
  • The actions of tenants.

Loss or damage to property due to or caused by

  • Acts of nature during alterations and additions while the structure is unroofed or partially roofed.
  • The accidental damage to sanitary ware, fixed mirror glass and fixed glass doors during alterations and additions.
  • Scorching.
  • Defects in the design or construction of the building, or where the structure wouldn’t have been approved by the relevant local authority at the time of construction.
  • Construction, alteration or repairs, or defective workmanship or materials.
  • A lack of maintenance.
  • A tsunami or tidal wave.
  • Underground mining operations.
  • Legal liability arising from death, bodily injury, illness, damage to property or assumed by agreement.
  • Fines, penalties, punitive or vindictive damages.
  • A foreign court awarding damages to you.
  • Any incident for which cover is provided by any other insurance.
  • Liability where you’re entitled to claim under the cover provided by the ‘public liability’.
  • Heating, drying or water processes.
  • You, your principals, partners, members and directors, intentionally.
  • Additional costs which result from the unavailability of matching materials.
  • The underpinning of foundations.
  • Goods being left in the open, except if they’re designed to be used, or to operate, in the open.
  • Leaking pipes.
  • 2 separate incidents in any 12-month period.
  • A loss of water as a result of leaking taps, water heating apparatus, toilet systems, swimming pool structures, or inlet or outlet pipes.
  • Theft, and the removal, demolition, or attempted or partial demolition, of your building, as a result of theft.
  • Consequential loss.
  • Stoppage, slowing down, or the interruption of work or any process.
  • The building being unoccupied, vacant or abandoned for more than 30 consecutive days. (Or unoccupied for more than 60 days.)
  • The inability to rebuild or repair the building where it stood prior to the incident.
  • Rates, taxes, duties, development or other charges or assessments arising from capital appreciation.
  • Wear and tear, gradual deterioration, rust, decay, cracking, splitting, faulty materials/ workmanship or latent defects of burst and leaking pipes.
  • Incidents which occur within South Africa or Namibia, unless specific ‘Riot and strike’ cover has been obtained.
  • The detention or confiscation of money by any lawfully-constituted authority.
  • War, acts of a foreign enemy, warlike operations, military uprising, usurped power, martial law, rebellion, terrorism or revolution.
  • Volume changes in clay-based soil or in rock, caused by changes in the moisture levels.
  • A rise in the water table or pressure caused by it.
  • Excavations, other than mining activities.
  • The removal or weakening of pillars.
  • Defective design, material and workmanship.
  • Normal settlement, shrinkage or expansion of the soil supporting the structures.
  • The poor compaction of soil.
  • Workmen engaged in making any structural alterations, additions or repairs.
  • Liability for the payment of VAT.
  • You or your trustees being legally liable for remuneration or other monies.
  • Trustees committing any wrongful acts knowing that such acts are illegal, fraudulent or of a malicious nature.
  • The act of any lawful authority in any other way dealing with any occurrence referred to in any of the clauses above.

As well as loss, or damage to

  • Retaining walls, unless they’re designed and built according to structural engineering specifications.
  • Money, current postage or revenue stamps, cancelled and uncancelled coupons, securities, bearer bonds, cheques, written orders, samples, computer software, data-carrying media and the costs of reshooting films or videos.
  • Structures that aren’t completely roofed, unless described on your policy schedule.
  • Property that’s stolen, or damaged while being stolen.
  • A building which didn’t comply with regulations before the incident.
  • Undamaged property or portions of the property.
  • Sewerage pipes.
  • Drains, water courses, boundary walls, garden walls, retaining walls, gates, posts or fences.
  • Bursting or overflowing of geysers and water pipes.
  • Escalation.
  • Fidelity guarantee.
  • Geyser and water pipes: Wear and tear.
  • Guesthouses: Accommodation and lodging.
  • Money.
  • Office contents.
  • Power surges.
  • Prevention of access.
  • Riot and strike.
  • Subsidence and landslip.
  • Trustees’ indemnity.