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Indemnity to the Insured's Office in respect of loss or damage caused by fire, lightning, thunderbolt, earthquake, volcanic eruption, subterranean fire, explosion, riots and strikes, malicious damage and special perils as per policy. 

The sums insured should reflect the current replacement or market values of the property. The policy provides cover in the following headings:
 

Section 1 (Fire & Perils) :

These are the Office Premises where the Insured is an owner as well as the occupant of the office.
 

Section 2 (Contents/All Risks):

The Contents of the Office Premises usually mean furniture, equipment (telephones, faxes, printers, computers, cameras etc) of every description belonging to, or being the responsibility of, the Insured whilst in the Office Premises. 


Section 3 (Public Liability): 

Under this Section, he is insured against legal liability to third parties against death or injury arising out of his operations. 


Section 4 (Work Injury Benefits - WIBA):

Under this section, the insured may insure his employees for death or injury arising out of and in the course of Employment. It is governed by the Work Injury Benefits Act 2007.