The basic cover responds to loss or damage to property caused by fire, lightning and explosion and is extended to include riots, strikes, malicious damages, storms, earthquakes, floods, and water damages due to bursting or overflowing water tanks apparatus and pipes. Property covered includes: buildings, furniture, fixtures and fittings, plant and machinery etc.

The policy responds to consequential losses arising from risks covered under fire and allied perils section. Examples of such consequential losses include Loss of profit, rent, wages or increase or additional expenses in the cost of working within a given period. ??

This is a special policy designed to cover an industrial entity against all risks that may affect the operations of the entity such as fire, theft and loss of profits. ?

Covers against, riots, strikes and civil commotion for political reasons, acts of terrorism, sabotage, malicious damage for political reasons, insurrection, revolution or rebellion mutiny and civil war.