Other perils such as social disturbances like strikes and riots,and natural disasters like storm damages, floods and earthquakes can also be covered by an extension of the standard scope of the cover.

The items to be insured are usually made up of the following:

• Buildings.
  
• Office Furniture, electrical & electronic equipment.
  
• Plants and machineries.
  
• Stock of raw materials and finished goods.
  
• Loss of annual rent for alternative accommodation.

The policy also contains various other extensions that are granted at minimal extra cost to the policyholder.