This policy provides cover for all items (except building) mentioned under Fire & Special Perils policy.

Items Covered

This policy provides cover for;

  • plant & machinery,
  • tools,
  • furniture,
  • fixtures,
  • fittings,
  • stock

Also, any other contents including goods held in trust for which the insured has an insurable interest or for which the insured has accepted responsibility under contract or otherwise.

Perils Covered

Loss or damage to property insured by theft following actual violent and forcible entry or exit from the insured's premises or any attempted threats or hold-ups.

The policy can be insured on First Loss basis. Values for FLSI and TDV at risk are required.



First Loss Sum Insured is the position that absorbs the initial losses arising from damage/destruction.

A cap is set for goods in which the possibility of total loss is extremely unlikely (such as the case of goods in a large store). The insurer agrees to an estimated largest possible loss.

Total Declared Value