Operational Policy (Property)

Comprehensive protection for factories, offices, warehouses and stock—covering fire, natural perils, burglary and business interruption.

Coverage Details

  • PAR / IAR – Property/Industrial All Risks
  • Fire & Allied Perils (STFI, EQ as opted)
  • Burglary & Theft (contents, stock)
  • Machinery Breakdown / Boiler & Pressure Plant
  • Business Interruption / MLOP (loss of gross profit)
  • Money, Fidelity, Plate Glass (optional)

Frequently Asked Questions

Buildings at reinstatement value; plant at NRC or replacement; stock at cost. Include escalation and declaration clauses where needed.
When loss of profit due to property damage can materially impact revenue—manufacturing, warehousing and service facilities should include it.