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Afrikaanse weergawe

Fire

Cool things down with our royal cover

In a nutshell

A fire can lay waste to a business of any size. The smoke and flames, and the water and foam that are used to extinguish fires, can damage the assets of your business, as well as the building and its contents. Our fire insurance offers comprehensive cover for the financial loss that your business may suffer after a fire.

'Fire' agri insurance covers you against loss or damage to property due to:

  • The breakage/collapse of aerials and satellite dishes.
  • Wild baboons, monkeys or animals.
  • Malicious damage.
  • Power surges/lightning strikes.
  • The prevention of access.
  • Spontaneous combustion.
  • Subsidence and landslip.
  • The actions of tenants.
  • The cracking and splitting of a water heating system and its parts, and any concealed, pressurised water pipes.
  • Aircraft and other aerial devices, and objects dropped from them.
  • The impact by animals, trees, aerials, satellite dishes and vehicles.
  • Civil commotion, labour disturbance, riot, strike or lockout.

You're also covered for:

  • Professional fees which you necessarily incur (for example, architects fees).
  • Capital additions.
  • The loss of crude fodder, hay, straw, chaff and similar crops in buildings, as well as tobacco in air-curing barns, by fire or lightning.
  • Demolition and clearing costs.
  • Fire extinguishing charges.
  • Municipal plans scrutiny fees.
  • The temporary removal of property.
  • The cost of ensuring that the insured building complies with government/local authority requirements.
  • Rent and alternative premises, if the building you occupy (and own) is uninhabitable.
  • The cost of reinstatements and replacements.
  • Security costs.
  • Temporary repairs and measures taken after a loss.
  • The cost of repairing or replacing a water heating system and its parts, and any concealed, pressurised water pipes.

As well as loss, or damage to:

  • Money and stamps (limited to R7,500).
  • Documents, manuscripts, business books, plans, computer system records, media designs, patterns, models and moulds.
  • Personal property (including bicycles) that belongs to you and your principals, partners, directors and employees (limited to R7,500 per person).
  • Computer system records.
  • Water tanks, apparatus or pipes.
  • Paddock and boundary fences.
  • Poultry.
  • Water, sewerage, gas, electricity and telecommunication connections (as long as it’s accidental).
  • Tobacco.
  • Property which is left loaded on a vehicle within the insured premises.
  • Water heating systems and pressurised water pipes.

Loss or damage to property due to or caused by

  • Heating, drying or water processes.
  • A tsunami or tidal wave originating from an earthquake/volcanic eruption.
  • The underground workings of a mine.
  • Goods being left in the open, other than those designed to be used or to operate in the open, unless stipulated on your policy schedule.
  • Defects in the design or construction of the building, or where the structure wouldn’t have been approved by the relevant local authorities at the time of construction.
  • The act of any lawfully-constituted authority.
  • Fire, lightning or thunderbolt, subterranean fire, explosion or earthquake.
  • Special perils such as storm, wind, water, hail and snow (with exclusions stated on your policy schedule).
  • The use, or application, of water.
  • Wear and tear or gradual deterioration.
  • Leakage or discharge from any sprinkler or drencher system.
  • Subsidence or landslip.
  • Your failure to take all reasonable precautions for the maintenance and safety of the insured property or to minimise any destruction or damage.
  • Costs, charges and expenses which you incur to reshoot films or videos, and record audio tapes.
  • You, your principals, partners, members and directors, intentionally.
  • The removal or partial removal, demolition or attempted or partial demolition, of your building, where there’s an attempted or successful theft.
  • Consequential loss.
  • Stoppage, slowing down or interruption of work or any process.
  • The building being unoccupied, vacant or abandoned for more than 30 consecutive days.
  • Spontaneous combustion.
  • The inability to rebuild or repair the building where it stood prior to the incident.
  • Rates, taxes, duties, developments or other charges or assessments arising from capital appreciation.
  • Insufficient compacting or filling.
  • The removal or weakening of support.
  • Structural alterations, additions or repairs.
  • Surface or subterranean excavations.
  • Normal settlements, shrinkage and expansion.
  • Contraction or expansion of clay and similar soil types due to their moisture or water content.
  • Existing damage.
  • 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, civil war, military uprising, usurped power, martial law, rebellion, terrorism or revolution.
  • Workmen engaged in making any structural alterations, additions or repairs to any building situated at the insured premises.
  • Volume changes in clay-based soil or in rock, caused by changes in the moisture levels.
  • Rise in the water table or pressure caused by it.
  • The additional underpinning of foundations.
  • The confiscation, requisition, destruction or detention of any game and ostriches by order of any statute, government or public authority.
  • The slaughter of game and ostriches without your consent, except in the case of an injury caused by an insured peril which necessitates that an animal be slaughtered without delay in the interests of humaneness.
  • The act of any lawfully-established authority in controlling, preventing, suppressing, or in any other way dealing with, any occurrence referred to above.

As well as loss, or damage to:

  • Property that’s insured by any marine policy.
  • Structures that aren’t completely roofed, unless stated on your policy schedule.
  • Retaining walls, drains or constructed water courses.
  • Irrigation systems on wheels and centre pivots.
  • Computer system records; securities, obligations or cheques; explosives, software and data-carrying media.
  • Livestock, game or ostriches, growing crops, growing tobacco, standing or felled trees, or cotton.
  • Any type of covering that forms part of, or is used in connection with, tunnels.
  • Property left out in the open, unless stated otherwise on your policy schedule.
  • Money, current postage or revenue stamps, cancelled and active coupons, securities, bearer bonds or cheques.
  • Any written order to pay a sum in money, or any written evidence of indebtedness or obligation.
  • All property carried or held as samples.
  • Property that’s stolen or that’s damaged while being stolen.
  • Property that’s damaged while thieves are gaining entrance to, or exit from, the premises.
  • Undamaged property or portions of the property.
  • A building which didn’t comply with regulations, or where a notice was served on you before the incident.
  • Boundary walls, garden walls, screen and retaining walls, gate posts, gates, fences, driveways, paving, swimming pool borders and tennis courts.
  • Game and ostriches that don’t belong to, are held in trust by you.
  • Escalation.
  • Leakage.
  • Riot and strike.
  • Subsidence and landslip.