Tourism Insurance

Property Combined

Damage to the whole or part of the building owned by the Insured or for which the Insured is responsible including all outbuildings thereto (constructed of brick, stone, concrete or metal on metal framework and roofed with slate, tiles, metal, concrete, thatch or asbestos unless otherwise stated in the Schedule) and sporting and recreational structures and plant and machinery pertaining to and associated therewith, landlord’s fixtures and fittings therein and thereon, walls (excluding dam walls), gates, posts, fences (excluding boundary, game fencing and gates) and concrete, tarred, paved or stone (excluding gravel) covered areas, roads, driveways, paths or parking areas.

Your building will be covered against Fire, lightning, thunderbolt, subterranean fire, explosion, storm, wind, water, hail, and snow.

Impact by animals, rocks or boulders, trees, aerials, satellite dishes or vehicles, but excluding damage to such animals, rocks or boulders, trees, aerials, satellite dishes or vehicles.

Theft or attempted theft in respect of:

Buildings, PROVIDED THAT there is forcible and violent entry or exit, but if the building is left unoccupied or vacant for more than 30 days in any one calendar year theft or attempted theft will not apply unless the Company has given its prior consent in writing to extend cover.

Contents

responsible which are normally used in the course and scope of the Insured’s business PROVIDED THAT:

1. a) it is accompanied by forcible and violent entry and/or exit;
2. b) if the building is left unoccupied or vacant for more than 30 days in any one calendar

year theft or attempted theft will not apply unless the company has given its prior

consent in writing to extend cover;

1. c) the Company will not be liable for more than 25% of the sum insured or NAD 500 000,

whichever is the lesser, or the amount stated in the Schedule for each and every event.

Included Covers, Extensions & Clauses:

• Read in combined with the policy wording.
• Damage to money and stamps N$10 000
• Personal effects principals, members, directors, or employees N$20 000 per individual
• Theft or attempted theft in respect of Contents 25% of the sum insured or N$500 000 whichever is the lesser
• Accidental breakage or collapse of radio or television aerials, arial fittings or masts N$10 000.
• Plant & machinery N$10 000
• Shading netting & canopies N$50 000
• Canvas structures N$50 000
• Loss of Rent 25% of the Sum insured.
• Property owners’ liability N$2500 000
• Alterations and misdescription – included
• Alternative replacement conditions (Design capacity) – included
• Beverage leakage N$25 000
• Clearance, demolition, and erection of hoardings 25% OF THE SUM INSURED MAX N$250 000
• Damage by wild animals(Baboons limited to N$25 000) N$100 000 in the annual aggregate
• Death of guard dogs and tracking dogs – N$20 000
• Deterioration of food stock – N$50 000
• Disposal of salvage – included
• External signs, blinds, external canopies and umbrellas – N$50 000
• Geyser maintenance – N$2 000
• Goods in the open – N$50 000
• Guests’ personal effects – N$50 000
• Landscaped gardens– N$100 000
• Malicious damage theft– N$50 000

And much more….