A standard property policy only pays for the physical damage to your buildings or machinery. It does not address the revenue lost while your business is shut down for repairs. A Consequential Loss or Business Interruption cover step in to replace your lost net profits during the recovery period, while funding critical ongoing expenses like staff salaries, utility bills, and bank loan payments.

Traders, wholesalers, and manufacturers often move raw materials and finished items between multiple warehouses, causing inventory values at individual locations to change constantly. A Floating Policy covers your aggregate stock volume across all declared storage locations under a single policy with a single sum insured, eliminating the need to maintain separate policies for each warehouse.

Standard Fire and Special Perils policies only cover machinery damage caused by external forces, such as fires, explosions, floods, or lightning strikes. They explicitly exclude internal issues like mechanical failures, operator errors, structural tears, and internal electrical short-circuits. A dedicated Machinery Breakdown policy is essential to secure your equipment against these common internal operational risks.

EEI sections are engineered to provide specialized protection for high-value digital and micro-processing equipment. This includes corporate servers, local network setups, software development systems, central telecommunications frameworks, diagnostic computers, and medical systems, covering both physical damage and sudden electrical failures.