What’s Included
Property All Risk Insurance (LM7)
Elite commercial coverage protecting business assets against all physical loss or damage, unless explicitly excluded.
Fire & Allied Perils
Foundational protection covering property against fire, lightning, explosions, storms, earthquakes, and floods.
Home Insurance
Combines structural protection for your physical house with coverage for the personal belongings inside it.
Valuable Items Cover
Add-on protection providing agreed-value coverage for high-ticket items like jewelry, fine art, watches, and collectibles.
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Frequently Asked Questions
What is "under-insurance" and why does it matter?
Under-insurance happens when your property is insured for less than it would actually cost to rebuild it today. If a disaster strikes, the insurer will only pay a fraction of your claim. We prevent this by doing a thorough upfront valuation so your limits match real-world replacement costs.
Are my home electronics covered if there's a sudden power surge?
Yes, but it requires a specific electrical damage clause. We don't rely on basic, generic templates; we deliberately build power surge, machinery breakdown, and accidental damage protections into your custom asset plan.
If I rent my home or apartment, do I still need property insurance?
Yes. The building owner’s insurance only covers the physical structure itself, not your personal life inside it. You need a tenant's contents insurance policy to protect your furniture, electronics, clothing, and personal valuables from fire, theft, or severe water damage.
How do you handle valuation for rare luxury assets like fine art or high-end jewelry?
We bypass guesswork by working alongside certified, independent appraisers. We catalog your unique luxury items individually with detailed descriptions and professional market evaluations, locking them into custom policy endorsements so their true value is completely guaranteed.
What does "Business Interruption" insurance actually cover?
If a fire or severe leak forces you to close your business doors for repairs, your regular property insurance pays to fix the physical damage. Business Interruption insurance steps in to cover your ongoing operational expenses, including payroll, rent, and your lost net profits during the downtime.
Does standard property insurance cover natural disasters like earthquakes or floods?
Most basic policies exclude major natural catastrophes by default. Because we design comprehensive strategies, we actively verify and secure explicit natural disaster extensions for your properties, ensuring you are never left vulnerable to regional environmental risks.