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Accidental damage insurance

Accidents happen… We can't stop them, but we can insure your business against them

In a nutshell

Running a business is risky business and, sadly, accidents are part of everyday life. The king's accidental damage insurance protects your business from unexpected mishaps. By ‘accidental damage' we mean the accidental, physical loss of, or damage to, any tangible property that belongs to you or for which you're responsible.

  • The accidental, physical loss of, or damage to, the insured property on your premises.
  • Fees for the examination of municipal or other plans.
  • Costs incurred in the necessary demolition, removal of debris and the erection and maintenance of hoardings during demolition and rebuilding.
  • Architects' and other professional fees.
  • Fire brigade charges.
  • Any costs incurred due to the necessity to comply with building or other regulations of any public authority.

Loss or damage to property due to or caused by

  • Any insured incident that's excluded, or property more specifically insured elsewhere or for which the king offers cover.
  • Detention, confiscation or requisition by customs or other officials or authorities.
  • Unexplained disappearance, loss or shortage only revealed during or after an inventory of errors, or omissions (in receipts, payments or accounting) or misplacing or misfiling of information.
  • Normal settlement, heave, weakening or removal of the ground supporting a building.
  • The cracking of any structure.
  • Failure of, deliberate withholding or lack of supply of water, steam, gas, electricity, fuel or refrigerant.
  • The collapse of plant and machinery or buildings and structures (except for shelving and storage platforms).
  • Chemicals, oils, liquids, gases or fumes leaked or discharged from containers (unless otherwise stated on your policy schedule).
  • Fraudulent activities or dishonesty (where you are the victim, or by your principal, employee or agent).
  • Overheating, implosion, cracking, fracturing, weld failure, nipple leakage, or other failure of vessels, pipes, tubes, etc.
  • Breakdown, electrical, electronic and/or mechanical derangement.
  • Altering, bleaching, cleaning, dyeing, manufacture, repair, restoring, servicing, renovating, testing or other work done to or on it.
  • Fault or defect in design, formula, specification, drawing, plan, materials, workmanship or professional advice, normal maintenance, gradual deterioration, depreciation, corrosion or rust.
  • Oxidation, chemical action or reaction, frost, change in temperature, expansion or humidity, fermentation or germination, dampness, dryness, wet or rot, shrinkage, evaporation, loss of weight, contamination, pollution, change in colour, flavour, texture or finish, or own wear and tear.
  • Denting, chipping, scratching or cracking (that doesn't affect operation of the item).
  • Termites, moths, insects, vermin, inherent vice, fumes, flaws, latent defect, fluctuations in atmospheric/ climatic conditions or the action of light.
  • Of coins, bank and currency notes, traveller's and other cheques, money and postal orders, postage and revenue stamps, credit card vouchers and other certificates, documents or negotiable instruments.
  • Of furs, jewellery, bullion, precious and semi-precious metals and stones, curiosities, rare books and works of art.
  • Of property in transit by air, inland waterway or sea.
  • Of railway locomotives, rolling stock or other railway property, aircraft, watercraft, mechanically or electronically propelled cars, motorcycles, mobile plants, caravans and trailers.
  • Of trees, crops, animals, land, driveways, pavements, roads, runways, dams, reservoirs, canals, pipelines (external), tunnels, cables (external), cableways, bridges, docks, jetties, wharves, piers, excavations, property below the ground and explosives.
  • Of electronic data processing equipment and external data media (and their information).
  • Of property (and related materials or supplies) in the course of construction, erection or dismantling.
  • Of property in possession of your clients under lease, rental, credit or suspensive sale agreements.
  • Of glass, china, earthenware, marble and other fragile brittle things (unless otherwise stated on your policy schedule).
  • Removal of debris (with exceptions as stated on your policy schedule).
  • Anything for which notice had been served on you prior to the event.
  • Costs where the building can't be built or repaired where it stood prior to the event.
  • Rates, taxes, duties, development and other charges payable.
  • Leakage.
  • Specifically exclude property you don't want to cover.

Why choose King Price

Best for your business and best for brokers

Proactive claims service

We have a team of claims specialists at your disposal, every step of the way. Our teams for underwriting, new business and claims are dedicated to delivering royal service to give you peace of mind cover. We keep you up to date and in the loop during the entire process.

Competitive premiums

Price is king, bottom line. And in business we understand that this is extra important. We also understand that your company is unique. You deserve the best possible premium with absolutely no compromise on the cover given... Same insurance cover, just cheaper.


Your business isn’t just a number. That's why our royal family aims to build a personal relationship with you. We do this by staying focused and showing real passion and enthusiasm in our business with you, your clients and the industry. This allows us to build a culture of promise, royal service and affordable cover.

Strong relationships

Your business is our business, and that's why we offer more than just insurance. We take your side and our partnerships very seriously. We believe in building an open, clear and honest relationship that enables the development of successful collaboration with our kingly clients.


As 1 of the fastest growing independent insurers, King Price has all the right connections to keep you connected to success. We're supported by the big guys, in the form of incredible investors and a staunch reinsurer. And, we always aim to deliver the best service to everyone… The big guys, the little guys, and you.

Rapid response

Time is money, and making money is your business. That's why King Price offers royal service in the blink of an eye. We service your needs with the right team, expertise and understanding… Without compromising on quality or value. As part of our family, you'll have royal service at your beck-and-call.

Get the cover your business deserves. Leave your name and number at the top of the page and 1 of our kingsmen will call you back as soon as you're available. You can also talk to your broker about getting cover that suits your business best.