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Our Contractor's All Risk cover offers comprehensive and adequate protection against loss or damage in respect of construction works.
We offer a wide variety of insurance solutions to protect your property.
There are two categories of cover under this product in which one can insure property.
The basic policy covers against the losses &/or damages due to Fire and lightning
only. The additional cover is against losses &/or damages due to Fire, lightning
and Allied Perils.
Both categories have similar terms but however for the additional cover of Allied
perils each one differs from the other in terms of ratings. In addition to the above
coverage one can also include the cover against losses and /or damage due to Burglary.
The Sum Insured may be either on the basis of the actual value or the new replacement
value of the property but should be adequate to cover the total exposure. The Insured
should be able to provide the sum Insured but may seek help of our underwriters
to determine how to do so. The Sum Insured is very important and needs to be given
due consideration to avoid application of Average in the event of a claim.
The rate chargeable is always applied on a "Per Mille" basis (for every thousand
units) on the Total Sum Insured and is dependant to the nature of risk, location
and the housekeeping. There is a Deductible for each and every loss in addition
to a number of other Conditions
Under the Property All Risks Insurance the Policy indemnifies the Insured for accidental
physical loss of or damage to the Property Insured whilst situated at the premises
described in the policy.
This will include loss or damage by Fire, Lightning, Aircraft, Explosion, Earthquake,
Strike, Riot, Malicious Damage, Storm, Tempest, Flood, Bursting or Overflowing of
Water Apparatus (including Sprinkler Leakage), Impact by Own Vehicles, Theft or
Attempted Theft (by violent and forcible entry to or exit from the premises) and
other Accidental Loss or Damage.
The coverage is usually provided for a period of one year. The Sum Insured may be
either on the basis of the actual value or the new replacement value of the property
but should be adequate to cover the total exposure. The Insured should be able to
provide the sum Insured but may seek help of our underwriters to determine how to
do so. The Sum Insured is very important and needs to be given due consideration
to avoid application of Average in the event of a claim.
The rate chargeable is always applied on "Per Mille" basis (for every thousand units)
on the Total Sum Insured and is very dependant to the nature of risk, location and
the housekeeping. There is a Deductible for each and every loss in addition to a
number of other conditions.
Dealing with any loss due to a fire is stressful, however coping with one’s business
loss after such a catastrophe can often be more stressful due to the loss of revenue
and certain standing charges that continue irrespective of the situation that the
insured is placed in; bank interests, employee's salaries, rent, electricity etc.
This ultimately results in a loss of gross profits due to reduction in turn over
and increased cost of working during the period of interruption.
For Business Interruption cover to operate, it is compulsory that there be in place
a Property All Risks or Fire Insurance Policy. This cover takes into consideration
the following aspects, which should be addressed when opting for this cover, as
There are two types of Deductibles (Monetary and Time) applicable under the BI insurance
for each and every loss in addition to a number of other Conditions.
The amount by which sum of the value of the turnover and the value of the closing
stock exceed the sum of the value of the opening stock and the amount of the specified
working expenses. The values of the opening and closing stocks shall be arrived
at in accordance with the Insured's normal accountancy methods, due provision being
made for depreciation.
The Net Trading Profit (exclusive of all Capital receipts and accretions and all
outlay properly chargeable to Capital) resulting from the business of the Insured
at the premises after due provision has been made for all standing and other charges
Interest, Rent, Bank Charges, Insurance Premium, Advertising, Printing, Stationery,
Electricity, Traveling Expenses, Maintenance of Plant and Machinery, Depreciation
of Building, Plant and Motor Vehicles etc.
The Money paid or payable to the Insured for goods sold and delivered and for services
rendered in course of the business at the premises
Whilst the period of insurance is 12 months, the indemnity period differs. This
would depend on the period the insured would feel necessary to prepare to come back
to the position they were before the loss in terms of both property and trading.
Reasonably the periods would be anything between six and eighteen months. However,
it would basically be worked out based on the Indemnity amount payable by the insurers
which will be in respect of:
The rate chargeable is always applied on the Total Sum Insured (Gross Profit) and
is very dependant to the period of indemnity, nature of risk, location and alternatives
available to continue with the business.
Livestock is the most important asset for farmers and agricultural entrepreneurs,
making it necessary to protect against their loss – e.g. the death of animals resulting
from accident, illness or disease.
Under our Livestock Insurance, the Insured can specify the type of cover required.
The insurance will indemnify the Insured for the actual value of the animals at
the time of occurrence of such insured perils (or manifestation of the disease or
illness) causing death. (Please refer to the policy document for applicable exclusions.)
The rate chargeable is applied on the Total Sum Insured and is dependent on the
type of animals, farm security, periodical veterinary check-ups and exposure to
calamities, arrangements and seasons. There are various conditions applicable to
Like any other trader, Gold Merchants are aware of the risk involved in the commodity
that they trade in. Gold and Jewellery in general attracts a lot of attention. The
risk of loss and damage involved demands extra security. However, no matter what
securities are exercised the risk of loss is not totally eliminated and insurance
becomes a solution for providing coverage.
At Oman Insurance Company we offer the Jeweller's Block Insurance. As the name suggests,
this insurance provides wider coverage against loss and /or damage to stock, furniture,
fitting and fixtures etc.
Under this policy there are specific meaning to the word "Stock" which shall mean
goods consisting of gold, jewellery, platinum goods, bullion, precious stones and
The rate chargeable is always applied on the Total Sum Insured and is very dependent
on the scope and extent of cover opted for, security measures in place amongst others.
There is a Deductible and Conditions to the policy.
For detailed information, please:
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