Additional Optional benefits You can get on a commercial property insurance


Fire and special perils

A number of additional perils, known as special perils or specified contingencies, can be selected by the insured to be added to the basic cover. These are:

  • Explosion
  • Aircraft
  • Riot and civil commotion
  • Malicious damage
  • Earthquake
  • Subterranean fire
  • Spontaneous fermentation or heating
  • Storm
  • Flood
  • Escape of water
  • Impact
  • Sprinkler leakage
  • Subsidence, ground heave and landslip

Each peril is subject to individual limitations and exclusions.

Commercial All Risks

There are no optional extensions, as cover is automatically provided on an all risks basis.


A number of optional extensions to the cover provided under a theft policy are available:

  • Collusion. This involves plotting and agreement between thief and employee(s) on how to gain entrance and/or go quickly to the ‘target’ of the theft
  • Extended or full theft. This removes the requirement for there to be force and violence getting into or out of the premises
  • Robbery and aggravated burglary. Robbery involves the use of force, or the fear of force, against the person. Aggravated burglary involves the possession or use of firearms (or imitations) or explosives.


The following optional extensions to a glass policy are available:

  • damage to shop front contents as a result of broken glazing
  • damage to washbasins and sanitary fittings in hairdressing salons


Typical extensions to a money policy are:

  • Personal accident assault. This extension provides monetary compensation to an employee who is the subject of robbery or attempted robbery whilst carrying money belonging to the insured. It also often includes cover for damage to items of clothing and personal effects
  • Credit cards. Cover is provided for the fraudulent use of a company credit card by an unauthorised person.

Goods in Transit

Cover under a goods in transit policy can be extended to include goods whilst at short term exhibitions.


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