Q. What other advantages does the SME policy offer?

A. 

• It is a combined insurance policy which offers different levels of protection for your physical assets and potential liabilities.
• Since it is a combined policy it entails one expiry date with one premium.

Q. Is accidental damage cover available under the SME policy?

A. Cover under Section A – Property is offered on an accidental damage basis.

Q. Can this policy be adapted to cater for different commercial activities and the changing circumstances of the insured?

A. The SME policy is flexible enough to meet the requirements of clients engaged in   different commercial activities and can be amended at any time during the period of insurance to reflect changing circumstances.

Q. In addition to the property aspect what other main exposures are covered under the policy?

A. Apart from property which is covered on accidental damage basis, the SME policy also covers:

• Loss of Income
• Money
• Public Liability
• Employers Liability
• Refrigerated Stock
• Good In Transit

Q. Are any discounts available under the SME policy?

A. Yes, it is possible to enter into a Long Term Agreement whereby discounts will be allowed depending on the duration chosen.