• Material damage insurance - covers buildings; glass houses; business equipment and electronic equipment; internal general stock; external general stock; underground services and replacement of locks and includes fire, lightning or explosion; accidental damage; specified perils, theft or attempted theft

• Business interruption insurance - includes loss of gross profit;  suppliers customers; computer records; denial of access; public utilities; food or drink poisoning

• Insurance for increased cost of working (additional expenses only) and outstanding debit balances - includes increased cost of working as a consequence of insured damage to computers or loss of information from computers

• Legal liability insurance - includes employers liability; public liability; product liability; Defective Premises Act 1975; Motor contingent liability; hired or rented premises; Consumer Protection Act 1987; Health and Safety at Work

• Money (including assault) insurance - covers business money and pays compensation if there is injury during a theft of money or insured property

• All risks – specified equipment insurance - business equipment: office machinery; mobile phones; laptop computers and valuables

• All risks – deterioration of refrigerated stock insurance

• Goods in transit insurance  - includes trade contents and stock in transit; containers; ropes and tarpaulins; debris removal; personal effects

• Personal accident and sickness insurance (individual cover or group cover) - covers personal accident causing death; loss of limbs or disablement; sickness;  hospital cash; legal expenses

• Engineering insurance - includes inspection and fragmentation; boiler and pressure plant; all fixed plant cover, owned mobile and hired plant

• Computer insurance - damage to computers at the premises; breakdown of computers; increased cost of working; reinstatement of data

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