Property Insurance

Industrial Special Risks

Cover for property damage and consequential loss for medium to larger organisations with diverse operations. This policy is designed to protect physical assets including buildings, contents, stock, plant and machinery and other property, which can be tailored to your specific business needs including:

  • Cover for reinstatement or replacement (including extra costs).
  • Cover for consequential loss.
  • Cover for theft, money, glass, general property, landscaping, employees property, customers goods etc.


Business Package:


Provides protection for your buildings, contents and stock against Fire and other Perils such as explosion, earthquake, storm and tempest, impact, vandalism, riots and strikes, aircraft, water leakage and flood upon request.


A sum insured is required for each building, contents, customer goods, stock and specified items. You should enlist the services of an accredited property valuer to supply you with an accurate sum insured for your building.


Business Interruption:

The interruption to trading that follows a fire or some other insured event can often have more serious financial implications for your business than the actual damage itself.


You may choose to insure either gross income or an elected weekly income.


Other items that may be covered are payroll, increased cost of working, book debts, gross rentals and accountants fees.


For a calculation sheet to calculate your possible interruption exposure, either yourself or in conjunction with your accountant please contact your T&G Account Manager.


Public and Products Liability:
Your business can be covered against liability to pay compensation for personal injury to third parties or damage to property of third parties, including liability arising from ownership of buildings or land used in connection with your business.


You can also be covered for liability arising from unknown defects in your products and product recall costs if any products need recalling.


Other Covers available under a Business Package Policy:

  • Theft/Burglary
  • Money
  • Glass
  • General Property



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