| Asset Category | What It Includes |
|---|---|
| Buildings | Structures, fixtures/fittings, extensions, walls, gates, fences, and structural improvements. |
| Contents | Household goods, personal effects, business furniture, and custom leased-building improvements. |
| Stock & Merchandise | Raw materials, semi-finished/finished goods, and customer goods held in trust. |
| Equipment & Machinery | Mechanical, electrical, or electronic equipment located within the insured premises. |
| POLICY | WHAT IS COVERED | SUM INSURED | DEDUCTIBLE |
|---|---|---|---|
| Material Damage | Physical property destruction or damage caused by:
| As stated in Policy Schedule (Covers the actual value of Buildings, Contents, Stock, or Machinery at the time of loss) | As stated in Policy Schedule (The fixed amount payable by You on each and every claim arising from one event) |
| Extinguishing Expenses & Rescue Costs | Emergency costs necessarily incurred during a fire:
| Up to USD 5,000 Per any one loss | No separate deductible applies (Subject to the standard terms and conditions of the main policy occurrence) |
