Bakeries, Confectionery Manufacturers, Fruiterers – Wholesale, Icecream Manufacturers, Smallgoods Factories, Tobacco Factory, Wine Makers
| Risk | Summary Of Cover | |
| Fire & Defined Events | Essential | Covers assets (e.g. building, contents, machinery) against loss or damage caused by fire and defined events (e.g. water damage, storm, malicious damage). Flood cover generally not included |
| Business Interruption | Essential | Provides cover for loss of income, payroll and an increase in costs following a reduction in turnover or revenue caused by fire damage. |
| Burglary | Recommended | Cover is provided for loss or damage following forcible entry to premises |
| Money | Recommended | Cover is for the loss of money or negotiable instruments |
| Glass | Recommended | Where glass is accidentally broken, cover is provided for the cost of replacing or fixing the glass. |
| General Property | Optional | Provides cover for the cost of repairing or replacing specified items that are accidentally lost or damaged. e.g. cameras, mobile phones, tools |
| Electronic Equipment | Optional | Provides cover for electrical, electronic and mechanical items (e.g. computers, faxes, printers, photocopiers) following loss or damage. |
| Machinery Breakdown | Recommended | Covers loss or damage to machinery as a result of breakdown. Spoilage of food following such a breakdown can also be covered. |
| Fidelity Guarantee | Optional | Covers losses sustained as a result of an act of fraud or dishonesty by employees. |
| Public & Products Liability | Essential | Covers legal liability for injury to members of the public and damage to property arising from the business activities. Products liability covers liability for the distribution and/or sale or supply of products and services |
| Professional Indemnity | Not Required | Covers liability for claims arising from breach of professional duty by reason of any negligent act, error or omission committed on the part of any person employed in the conduct of the business activities. |
| Personal Accident/Sickness | Optional | Provides cover following the accidental injury or illness of an insured person. |
| Worker’s Compensation | Compulsary if you employ staff | A compulsory scheme for employers to cover employees injured in the course of their employment |
