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PROPERTY INSURANCE

PROPERTY INSURANCE Property insurance provides protection against most risks to property, such as fire, theft and some weather damage. This includes specialized forms of insurance such as fire, hurricane, flood, earthquake, home insurance or boiler insurance.

This is the most comprehensive property insurance available for homeowners. The policy covers theft, burglary, all risks, your legal liability to third parties along with the standard perils shown below. With a General Accident Homeowners policy you can rest well knowing your most valuable investment is protected.

Coverage for your house, contents and valuable property against:

  • Fire & Lightning
  • Hurricane, Cyclone, Tornado or Windstorm
  • Flood
  • Earthquake & Volcanic Eruption
  • Riot & Strike
  • Malicious Damage
  • Explosion
  • Impact from Aircraft & other Aerial Devices
  • Impact by Road Vehicles, Horses or Cattle
  • Bursting or Overflowing of Water Tanks, Apparatus or Pipes
  • Theft
  • All Risks cover for certain items
  • Burglary
  • Legal liability to third parties

OUR HOMEOWNERS DISCOUNTS

  • CREDIT UNION DISCOUNT – Members of credit unions are given a 10% discount
  • BARP DISCOUNT – Members of BARP receive a 10% discount
  • GROUP EMPLOYEES DISCOUNT – Staff of Musson group receive a 10% discount
  • BURGLAR ALARMS – If you have a burglar alarm, whether monitored by a security company or not, you may be eligible for a discount of up to 10%
  • Hurricane shutters – If your home is fitted with hurricane shutters you may receive a 10% discount

In addition to the perils covered under the Fire and Allied Perils policy Commercial All Risks policy extends to cover your property against accidental damage and burglary.

A Commercial All Risks Policy excludes only risks that have been specifically outlined in the contract. "All risks" means that any risk that the contract does not specifically omit is automatically covered.

What is Commercial All Risk Policy?

In addition to the perils covered under the Fire and Allied Perils policy this policy extends to cover your property against accidental damage and burglary.

Consequential Loss/Business Interruption Insurance covers the temporary loss of income that a business suffers after a disaster leads to its operations being shut down. The disaster has to be one such as fire, explosion, hurricane and earthquake, that must be covered by a material damage policy for the same business.

What does Consequential Loss/Business Interruption Policy cover?

This policy covers financial loss, consequent on the interruption of business by an unforeseen event such as a hurricane, fire or breakdown of machinery, covered by a material damage policy.

Fires are unforeseen events that can cause devastation, allow General Accident to protect your business, shops, contents, machinery and stock against fire and other perils.

Perils covered by the policy:

  • Fire & Lightning
  • Hurricane, Cyclone, Tornado or Windstorm
  • Flood
  • Earthquake & Volcanic Eruption
  • Riot & Strike
  • Malicious Damage
  • Explosion
  • Impact from Aircraft & other Aerial Devices
  • Impact by Road Vehicles, Horses or Cattle
  • Bursting or Overflowing of Water Tanks, Apparatus or Pipes

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