The risk may involve commercial buildings, industries, private dwelling premises, good’s in trade, domestic or business property, plant and machinery, stock insurance, furniture fixtures and fittings and office equipment. 

– Special perils like hail, snow, typhoon, flood, bursting or overflowing of water tanks, subterranean fire, etc.
– Earthquake, fire, and shock                             
– Standard explosion
– Riot and strike
– Malicious damage
– Bush fire
– Hazardous goods clause

-Loss or damage to property occasioned by its own fermentation, natural heating, or spontaneous combustion
-Loss by theft during or after the occurrence of fire
– Loss or damage to property by order of any authority
-Unless stated in the policy loss or damage to:
      a) Goods held in trust or  commission,
      b) Bullion or unset precious stones
      c) Manuscripts, plans, drawings or designs
      d) Securities, obligations or documents of any kind, stamps, coined or Paper money, cheque books of accounts or any other business books
      e) Building insured becoming unoccupied and remaining so for a period more than 30 days.