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Fire

Cool things down with out 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. King Price's fire insurance offers comprehensive cover for the financial loss that your business may suffer after a fire.

Fire Cover

Buy the best cover in town,when you join out royal family

  • Architects and other professional fees.
  • Automatic reinstatement.
  • Capital additions.
  • Demolition and clearing costs.
  • Disposal of salvage.
  • Earthquake.
  • Fire extinguishing charges.
  • Labourers, contractors and employees.
  • Limitations: Money and stamps (up to R5,000), documents, manuscripts, plans, business books, designs, patterns, models and moulds, computer systems records and media.
  • Mortgagees’ interests.
  • Municipal plans scrutiny fees.
  • Power surges and lightning strikes.
  • Prevention of access.
  • Property removed temporarily.
  • Public authorities' requirements.
  • Public supply connections.
  • Railway and other subrogation clause.
  • Rent and alternative premises.
  • Reinstatements and replacements.
  • Security costs.
  • Tenants' clause.
  • Motor loads.
  • Water heating and pipes.

Loss or damage to property due to or caused by

  • Exposure to heating, drying or water processes.
  • A tsunami or tidal wave because of an earthquake.
  • The underground workings of a mine.
  • Goods left in the open (unless the goods are designed for such use).
  • Structures that aren’t completely roofed (unless otherwise stated on your policy schedule).
  • Volume changes in clay-based soil or rock.
  • Defects in design or construction or absence of approval from the relevant local authorities.
  • Retaining walls, drains or a constructed water course.
  • Where demolition cover doesn’t cover the costs or expenses incurred in removing debris.
  • Property insured by any marine policy.
  • Escalation.
  • Leakage: First loss basis.
  • Leakage: Full value.
  • Malicious damage.
  • Riots and strikes.
  • Subsidence and landslip.