The Insured should be able to provide the sum Insured but may seek help of our underwriters to determine how to do so. The Sum Insured is very important and needs to be given due consideration to avoid application of Average in the event of a claim.

The rate chargeable is always applied on "Per Mille" basis (for every thousand units) on the Total Sum Insured and is very dependant to the nature of risk, location and the housekeeping. There is a Deductible for each and every loss in addition to a number of other Conditions.

Professional care taken at the beginning can be very beneficial at the time of a claim. For example, in the event of major damage due to fire would your current policy allow for the new replacement costs of your assets or does it only pay the depreciated written down value? If the policy is worded on a new replacement value basis are you aware of the obligations on your part to ensure that the policy will pay in full ?

In addition to the above coverage one can also include the cover against losses &/or damage due to Burglary.

Here you will be able to seek information and request quotation on line.