We have detailed the type of insurance available under the Multimark III policy. Please note that this is merely our summarised version of the scope of cover available under each section. Follow the link to view or download the full Policy Wording.


--------------------------------------------------------------------------------------------------------------------

Building Combined
Damage by perils as described in the fire section to buildings, outbuildings, landlords fixtures and fittings, walls, gates, driveways etc. including loss of rent and legal liability.

Office Contents
Loss of or damage to the contents as described in the Fire Section including landlord's fixtures and fittings and property for which the insured is responsible; including property owned by the employees limited to an amount of R2,500 per person whilst contained in the offices.

Business Interruption
Loss of gross profit from interruption of or interference with the business following a claim under the Fire, Office Contents or Building Combined Sections; but only in respect of perils insured under the fire section; at the premises described in the schedule.

Accounts Receivable
Loss or damage to the insured's books of accounts whereby the insured is unable to trace or establish the outstanding debit balances owed to him.

Theft
Loss of or damage to contents at the insured's premises as a result of theft accompanied by forcible and violent entry/exit.

Money
Loss of or damage to money defined as cash, bank/currency notes, cheques, postal orders, money orders, credit card vouchers etc for which the insured is responsible.

Glass
Loss of or damage to internal and external glass, mirrors, signwriting and treatment thereon at the insured premises.

Fidelity
Loss of money and/or other property, or direct financial loss sustained by the insured as a result of fraud or dishonesty by an insured employee which results in dishonest personal financial gain for the employee concerned.

Goods in Transit
Loss of or damage to property for which the insured is responsible in the course of transit by the means of conveyance and caused by any accident or misfortune not otherwise excluded.

Business All Risks
Loss of or damage to specified items described in the schedule while anywhere in the world by any accident or misfortune not otherwise excluded.

Accidental Damage
Accidental physical loss of or damage to any tangible property belonging to the insured or for which they are responsible at the premises.

Public Liability
Legal liability for accidental death, bodily injury, illness or accidental loss/physical damage to tangible property which occurred during the course of the business.
Extensions available: Work Away, Products Liability and Defective Workmanship.

Group Personal Accident
Bodily injury caused by accidental, violent, external and visible means to any principal, partner director or employee of the insured, specified in the schedule

Motor
Loss of or damage to any vehicle described in the schedule and its accessories and spare parts whilst thereon.

Electronic Equipment
Physical loss or material damage to electronic items specified on the policy.

Machinery Breakdown
Any unforeseen and sudden physical damage to machinery described in the schedule.