Key Benefits & Extensions
Key Benefits
- Cover for cash in transit, credit-card fraud and personal accident assault under the money section
- Public liability inclusive of forecourt negligence cover where employees dispense the incorrect grade of fuel into a customer's vehicle, causing damage to the vehicle
- Car hire for third party affected by incorrect dispensing of fuel - R20,000
- Special defective workmanship for any work that still has to be handed over by insured to his client -RS0,000
- Clients own vehicles up to 5 included under Motor traders section
- Sub-contractors included
- Excellent Road Side Assist with the AASA- Automobile Association of South Africa
- Business Interruption cover as a consequence of environmental impairment problems leading to site being closed down
- ATM cover
- All bullet proof glass covered
- Death in Service cover for cashiers, petrol attendants
- Compatibility cover under Business All Risks
Automatic Extensions under the fire section include
- Fuel leakage - Limited to R150 000
- Contamination of fuel - Limited to R150 000
- Subsidence and Landslip - Limited to R150 000
- Contents of fridges and freezers - Limited to R75 000
- Shade netting - limited to R50 000
- Damage to blinds, signage and canopies - limited to R50 000
- Damage to bollards, perimeter fence- R50 000
- Vehicles on premises - Accumulation limit R300 000
- Refrigerated stock - R75 000
- Fatal injury & Medical Extension - R15 000
- Damage to gardens, landscaping and playgrounds - limited to R15 000
- Claims preparation costs - limited to R50 000
- Claims preparation costs- R100 000
- Debris Removal- R100 000
- Post trauma counselling- R15 000
Automatic Extensions under the Business Interruption section include
- Additional increase in cost of working - limited to R300 000
- Customers - Unspecified
- Suppliers - Specified
- Suppliers Sub Contractors
- Prevention of Access - Extended cover
- Public Utilities - Extended cover
- Public Telecommunications - Extended cover
- Accidental Damage - limited to R100 000
- Claims preparation costs - limited to R100 000
- Franchise and Royalties(must be part of Fixed Expenses)
Automatic Extensions under the Theft section include
- Damage to Buildings - limited to R50 000
- Malicious Damage to contents - limited to R50 000
- Loss of Building Locks and keys - limited to R10 000
- Goods not meant to be in the open- R10 000
- Watchman Extension/ Cost of boarding up - limited to R7 500
- Cellphone Cards/Cigarette Limit- R20 000
Automatic Extensions under the Maney section include
- Clothing and personal effects - limited to R5 000
- Locks and keys - limited to R10 000
- Cash till limits(combined) - limited to R10 000
- Credit card extension, includes customers absconding before payment - limited to R5 000
- Petrol Attendants - limited to R2 500
- Virtual Airtime - limited to R15 000
- Bilking - limited to R5 000
- Personal Accident Assault - limited to a Capital sum of R50 000 - maximum 5 persons
- Receptacle- R25 000
Automatic Extensions under the Public Liability section include
- Wrongful Arrest and defamation - limited to R250 000
- Legal Defence costs - limited to R250 000
- Products liability including food poisoning - Limited to R1 000 000
- Defective Workmanship - R1 000 000
- Special Defective Workmanship Liability- R50 000
- Spread of Fire Liability
- Forecourt Negligence - limited to R1 000 000
- Car Valet - limited to R100 000
- Fire extinguishing costs - limited to R20 000
- Umbrella Liability
- General & Tenants Liability
Automatic Extensions under the Electronic Equipment section include
- Reinstatement of data - limited to R25 000
- Increased cost of working - limited to R25 000
- Telkom Access lines
- Incompatibility Cover
- Transit and away from the premises
- Failure of electricity supply