Fire and Lightning George Lee, Vorteil Assurance the claim consultant and risk management consultant services in klang valley

To cover the property be destroyed or damaged by FIRE or LIGHTNING.

Aircraft Damage

To cover the property insured directly caused by aircraft and other aerial devices and/ or article dropped therefrom.

Earthquake & Volcanic

To cover loss or damage directly caused by fire or otherwise occasioned by or through or in consequence of earthquake and volcanic eruption.

Storm Tempest

To cover loss or damage directly or occasioned by or through or in consequence of Hurricane, Cyclone, Typhoon and Windstorm

Flood

To cover loss or damage by Flood. Note: Flood,shall mean the overflowing or deviation from their normal channels of either natural or artificial water courses, bursting or overflowing of public water mains and any other flow or accumulation of water originating from outside the building insured or containing the property insured, but excluding loss or damage caused by subsidence or landslip.

Explosion

To cover Loss of or damage to the property insured by fire or otherwise directly caused by explosion.

Impact Damage

To cover loss or damage to the property, walls, gates and fences around and pertaining thereto directly resulting from impact by any road vehicles, animals including any road vehicles, animals belonging to or under the control of the insured, or any member of his family, or any person in and upon the insured's service.

Bursting or Overflowing of Water Tanks Apparatus or Pipes

To cover Subsequent loss or damage to the property insured caused by the bursting or overflowing of water tanks, apparatus or pipes installed in or on the buildings insured or containing the property insured.

Bush/Lalang Fire

To cover loss or damage caused by bush/lalang fire (provided that during the currency of this Policy every reasonable effort shall be made to keep the Insured's ground free from lalang and undergrowth).

Subsidence and Landslip (Standard Cover)

To cover loss or damage to the property insured caused by subsidence and/or heave of the site on which the buildings stand or land belonging thereto, or landslip.

Subsidence and Landslip (Deletion of Exclusion A)

To cover loss or damage to the property insured (fences, patio, walkway and wall) caused by subsidence and/or heave of the site on which the buildings stand or land belonging thereto, or landslip.

Riot Strike And Malicious Damage

To cover Loss or damage to property insured directly caused by Riot and Strike Damage.

Damage By Falling Trees Or Branches And Objects Therefrom

To cover loss or damage to the property , walls, gates and fences around the pertaining thereto directly resulting from damage by falling trees or branches and objects therefrom.

Money

To indemnity the insured against Loss of Money i.e Cash, Bank Notes, Currency Notes, Cheques, Postal Orders or Money Orders or Money Orders by any cause whatsoever in the Circumstances or Situation described in the Schedule actually occurring during the Period of Insurance.

Sprinkler Leakage

Burglary / Theft

To indemnify the insured the loss or damage to the property insured in the event of/by theft consequent upon actual forcible and violent entry or armed robbery or robbery with violence.

Glass

To indemnify the Insured to the extent of the market value of the glass broken.

Fidelity Guarantee

To make good and reimburse to the Employer all such direct pecuniary loss as the Employer shall sustain by any act of fraud or dishonesty committed by the said Employee.

Machinery Breakdown

To compensate the insured, on the insured property, which suffer any unforeseen and sudden physical loss or damage from causes such as defects in casting and material, faulty design , faulty at workshop or in erection, bad workmanship, lack of skill , carelessness, shortage of water in boilers, physical explosion ,tearing apart on account of centrifugal force, short circuit, storm, or from any other cause not specifically excluded hereinafter, in a manner necessitating repair or replacement.

All Risk

To indemnify the loss or damage by any accident or misfortune of the insured property.

Public Liability

To indemnify the Insured against all sums which the Insured shall become legally liable to pay for compensation in respect of

'(1) bodily injury to or illness shall become legally liable to pay for compensation in respect of

'(2) loss of or damage to property

Professional Indemnity / Error & Omission / Libel, Slander & Defamation

Provide coverage to property management company, JMB/MC, accountant, solicitor, architect and engineer against his legal liability to pay damages to persons who have sustained financial loss arising from his own professional negligence in the conduct of the business.

Loss of Rent

As an owner, you are covered for loss of rent in the event Your property is no longer habitable, as a result of an insured event for the necessary period for reinstatement.

As an Occupier, you are covered with the reasonable additional expenses incurred at a hotel, lodging house or boarding house as a result of an insured event, for the necessary period of reinstatement.

Loss of Documents

To cover insured the reasonable and necessary costs, charges and expenses in replacing or restoring Documents for which the insured is legally responsible in the conduct of Business

Dishonesty of Employees

To cover any claims against insured for civil liability arising from dishonest and fraudulent of Employee of the Firm in the conduct of the Business

Terrorism And Sabotage

To cover the insured property against physical loss or physical damage caused by an Act of Terrorism or Sabotage.