The basic certificate covers loss or damage caused by or arising from:

Determination of Sum Covered

Building and/or Plant and Machinery

Indemnity is limited to the actual market value at the time of the occurrence of fire

Stock

The indemnity is based on the current market value payable by the Participant

Special perils available for extension:

1. Riot, Strike and Malicious Damage
2. Explosion:
   • Industrial without boilers
   • Industrial with boilers
   • Non-industrial without boilers
   • Non-industrial with boilers
3. Impact Damage
4. Bursting and Overflowing of Water Tanks, Apparatus or Pipes
5. Earthquake and Volcanic Eruption
6. Storm, Tempest
7. Flood
8. Aircraft Damage
9. Bush/Lalang Fire
10. Subsidence and Landslip
11. Spontaneous Combustion
12. Sprinkler Leakage
13. Goods and stock undergoing any heating or drying process