All Risks

 Provides cover against accidental loss or damage to specified items including theft that is not forceful.  This covers items that are prone to accidental damage and items that are portable e.g. laptop computers, mobile phones and fixed phones.  This cover provides additional cover to that provided under fire and burglary sections.

Underwriting Guidelines

A schedule of all items must be provided including serial numbers and replacement values.

Exclusions

  • Loss or damage to money or securities
  • Loss due to theft by employee
  • Loss or damage arising from tear and wear.

Claim Conditions

  • To notify APA Insurance immediately in case of a loss
  • To report the occurrence to police
  • To take reasonable precautions to avoid loss
  • If fraud is suspected, all benefits under the policy are forfeited
  • Claims are subject to contribution, average and subrogation.

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APA Insurance | All Risks

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