Unexpected and unintended accidental damage to the buildings caused by sudden and external means.
Unexpected and unintended accidental damage to the contents caused by sudden and external means.
Unexpected and unintended accidental damage to underground service pipes or cables that provide services to or from the premises and for which you are legally responsible.
Damage to the insured property caused by water that has escaped from a fixed plumbing installation or appliance.
Damage caused to the insured property as a result of fire or smoke.
Damage caused to the insured property because of a flood from a watercourse i.e. stream, river or surface water run-off.
Damage to insured property caused by impact by a vehicle or animal.
Accidental loss of your insured property.
Malicious damage when the loss or damage relates to your insured property.
Damage to the insured property as a result of a one-off storm event.
Damage due to a crack or cracks appearing within your buildings.
Theft andattempted theft of your insured property.
Commercial legal advice and legal costs and expenses should you experience one of the legal problems covered by section 7 of the policy in relation to your business activities.
The legal protection section of your policy is underwritten by DAS Legal expenses insurance Company Limited.
For loss of income or business interruption claims relating to coronavirus, please contact your intermediary or the Congregational church department on 01274 700 700 9am – 5pm Monday to Friday, to discuss.
More information may be found under the ‘loss of income tab’ on our ‘Coronavirus – helping policyholders page’.