Office contents insurance

• Office contents, including personal effects and tools.
• Alterations and misdescription.
• Capital additions.
• Demolition and clearing costs.
• Fire extinguishing charges.
• Limitations: Money and stamps (up to the maximum stated on your policy schedule), documents, manuscripts, plans, business books, designs, patterns, models and moulds, computer systems records and media.
• Load shedding power surges.
• Locks and keys.
• Malicious damage.
• New and additional premises.
• Prevention of access (applicable to rent).
• Property removed temporarily.
• Reinstatements and replacements.
• Skeleton keys.
• Temporary repairs.
• Tenants’ clause.

Loss or damage to property due to or caused by

• A tsunami or tidal wave because of an earthquake.
• Any process involving the use or application of water.
• The underground workings of a mine.
• Intentional damage by you (or with your knowledge/consent), your principals, partners, members and directors.
• Subsidence or landslip (unless otherwise stated on your policy schedule).
• Removal (or partial removal) or demolition (or partial/attempted demolition) because of an attempted or successful theft at your building.
• The building being unoccupied for more than 30 consecutive days, vacant, or abandoned.
• Of cars or motors, including motorised scooters, LDVs, caravans, trailers, aircraft, trucks and watercraft, and all their accessories.
• Of electronic data processing equipment and related software and hardware and the stored information or data.
• Of stock and materials in trade.
• Of property that’s more specifically insured.
• Of documents, designs, patterns, models or moulds, samples, money, securities, stamps, jewellery or precious stones, which must be insured under ‘Documents’.
• Of documents: Costs for the reshooting of films or videos or recording of audio.
• Of documents: Electric, electronic or magnetic injury, disturbance or erasure of electronic or magnetic recordings (except when it’s caused by lightning).
• Gradual deterioration or wear and tear of documents.
• Of documents: Vermin or inherent defects or the processing/copying of documents.
• Of documents: Dishonesty of any principal, member or director (with exceptions and conditions as stated on your policy schedule).
• Of liability: Liability assumed by agreement (with exceptions as stated on your policy schedule).
• Of liability: Legal liability where your claim under office contents ‘Documents’ cover has been rejected.

• Power surges and lightning strikes.
• Riots and strikes.
• Subsidence and landslip.
• Theft with forcible entry/exit.
• Theft without forcible entry/exit.