Engineering insurance guide

Simply click on the links below to quickly access insurance information for each industry.
Aerospace/Defence industries Automotive industries Bakeries Cement manufacturers Chemical/Pharmaceutical manufacturers Clothing manufacturers Construction industry Docks/Ports Electronics manufacturers Engineering manufacturers Flour mills Food and beverage industries Forestry/Agriculture industries Foundries Garages Glass manufacturers Hospital/Healthcare industries Hotels Housing trusts 3 4 5 6 7 8 9 10 11 12 Retailers 13 School/Colleges/Universities 14 15 16 17 18 19 20 21 Shipbuilding industry Steel manufacturers Telecommunications industry Theatres/Cinemas Tobacco industry Transport/Logistics industries Tyre manufacturers/distributors Utilities (gas/water/electricity) Woodworking industry 35 36 37 38 39 40 41 42 43 34 33 Media/TV Mines/Quarries Ofces Packaging industry Paper manufacturers Petrochemical industries Plastic manufacturers Printing/Publishing Property investors 24 25 26 27 28 29 30 31 32

Leisure industry (pubs/restaurants/clubs) 22 Manufacturing (general) 23

This document is intended to be a guide to the inspection and insurance of the plant and machinery you will typically find in the industries listed. While we take care to ensure the accuracy of this information it is an overview only and for specific guidance we recommend that you contact you Zurich Engineering. The fact that plant inspection and certain lines of Engineering insurance are identified within this guide does not guarantee that Zurich will underwrite any of the given trades or lines of business, as business selection and underwriting requirements may vary from time to time Zurich does not accept any responsibility for loss or damage, howsoever caused, relating to your use of the information contained herein.

Back to Contents

Aerospace/Defence industries
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for production, design, stock control, data processing, payroll, management information, personnel data, document production)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced. (e.g. mobile plant such as accommodation, cranes, fork-lift trucks, generators, mobile elevating work platforms either owned or hired-in).

Machinery movement
Provides a exible operations cover against damage during specified operations such as dismantling, erection, lifting, lowering, transit and re-siting of plant and machinery. (e.g. following the purchase of a new machine or major machine part cover can be required for the unloading and movement into position on site or for a machine which is being moved from one part of the premises to a different area within the same site)

Electronic Equipment
Provides all risks cover, including breakdown, for many types of low and medium power electrical equipment. Cover can apply to static, installed equipment or portable equipment on a UK or Worldwide basis. (e.g. measurement process engineering/research equipment, testing equipment, sound and picture equipment and audiovisual learning systems)

Machinery sudden and unforeseen damage/Machinery loss of profits

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of gross profit as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant cost of lost production are often overlooked. (e.g. Process machinery containing major components which can be extremely costly to repair or replace and may stop production for a a prolonged period)

Contract works machinery

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of a single machine or piece of plant to the complete installation of all plant and machinery within a new building)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)
3

Back to Contents

Automotive industries
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for production, design, stock control, data processing, payroll, management information, personnel data, document production)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced. (e.g. mobile plant such as accommodation, forklift trucks, stacker trucks, generators, cranes and mobile elevating work platforms, pressure washers either owned or hired-in)

Machinery movement
Provides a exible operations cover against damage during specified operations such as dismantling, erection, lifting, lowering, transit and re-siting of plant and machinery. (e.g. following the purchase of a new machine or major machine part cover can be required for the unloading and movement into position on site or for a machine which is being moved from one part of the premises to a different area within the same site)

Electronic Equipment
Provides all risks cover, including breakdown, for many types of low and medium power electrical equipment. Cover can apply to static, installed equipment or portable equipment on a UK or Worldwide basis. (e.g. measurement process engineering/research equipment, testing equipment, communication equipment)

Machinery sudden and unforeseen damage/Machinery loss of profits

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of gross profit as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant cost of lost production are often overlooked. (e.g. Assembly plant and machinery containing major components which can be extremely costly to repair or replace and may stop production for a prolonged period)

Contract works machinery

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of a single machine or piece of plant to the complete installation of a new assembly line)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)
4

Back to Contents

Bakeries
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for data processing, payroll, management information, personnel data, document production) (e.g. mobile plant such as fork-lift trucks, stacker trucks, generators and work platforms either owned or hired-in).

Machinery movement
Provides a exible operations cover against damage during specified operations such as dismantling, erection, lifting, lowering, transit and re-siting of plant and machinery. (e.g. following the purchase of a new piece of plant cover can be required for the unloading and movement into position on site or for a machine which is being moved from one part of the premises to a different area within the same site)

Machinery sudden and unforeseen damage/Machinery loss of profits

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of gross profit as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant cost of lost production are often overlooked. (e.g. Process machinery including baking equipment containing major components which can be extremely costly to repair or replace and may stop production for a prolonged period)

Contract works machinery

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of a large piece of plant or installation of new baking line)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Deterioration of stock
Provides cover for loss of or damage to goods in cold storage due to deterioration or putrefaction following breakdown or accidental damage to refrigeration units or the escape of refrigerant gases. Goods may be frozen, refrigerated or in a controlled atmosphere. (e.g. Ingredients and/or bakery products needing to be stored within a controlled atmosphere)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced.

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Back to Contents

Cement manufacturers
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for data processing, payroll, management information, personnel data, document production) Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced. (e.g. Excavators, loading shovels, fork-lift trucks, generators, cranes and mobile elevating work platforms either owned or hired-in)

Machinery movement
Provides a exible operations cover against damage during specified operations such as dismantling, erection, lifting, lowering, transit and re-siting of plant and machinery. (e.g. following the purchase of a new machine or major machine part cover can be required for the unloading and movement into position on site or for a machine which is being moved from one part of the premises to a different area within the same site)

Contract works machinery

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of a new silo or conveyor system to the complete installation of all plant and machinery within a new building)

Machinery sudden and unforeseen damage/Machinery loss of profits

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of gross profit as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant cost of lost production are often overlooked. (e.g. Process machinery containing major components which can be extremely costly to repair or replace and may stop production for a prolonged period)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule.

Back to Contents

Chemical/Pharmaceutical manufacturers
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for production, development, stock control, data processing, payroll, management information, personnel data, document production) gases. Goods may be frozen, refrigerated or in a controlled atmosphere. (e.g. products such as medicines, drugs & vaccines requiring storage within a controlled atmosphere)

Plant (Owned &/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced. (e.g. mobile plant such as accommodation, forklift trucks, stacker trucks, generators, cranes and mobile elevating work platforms either owned or hired-in).

Electronic Equipment
Provides all risks cover, including breakdown, for many types of low and medium power electrical equipment. Cover can apply to static, installed equipment or portable equipment on a UK or Worldwide basis. (e.g. measurement process engineering/research equipment, testing equipment, sound and picture equipment and audiovisual learning systems)

Machinery movement
Provides a exible operations cover against damage during specified operations such as dismantling, erection, lifting, lowering, transit and re-siting of plant and machinery. (e.g. following the purchase of a new machine or major machine part cover can be required for the unloading and movement into position on site or for a machine which is being moved from one part of the premises to a different area within the same site)

Contract works machinery

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of a new packaging or bottling line to the complete installation of all plant and machinery within a new building)

Machinery sudden and unforeseen damage/Machinery loss of profits

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of gross profit as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant cost of lost production are often overlooked. (e.g. Process machinery, including steam generation containing major components which can be extremely costly to repair or replace and may stop production for a prolonged period)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)
7

Deterioration of stock
Provides cover for loss of or damage to goods in cold storage due to deterioration or putrefaction following breakdown or accidental damage to refrigeration units or the escape of refrigerant

Back to Contents

Clothing manufacturers
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for stock control, data processing, payroll, management information, personnel data, document production) (e.g. mobile plant such as fork-lift trucks, stacker trucks, generators and mobile elevating work platforms either owned or hired-in)

Machinery movement
Provides a exible operations cover against damage during specified operations such as dismantling, erection, lifting, lowering, transit and re-siting of plant and machinery. (e.g. following the purchase of a new machine or major machine part cover can be required for the unloading and movement into position on site or for a machine which is being moved from one part of the premises to a different area within the same site)

Contract works machinery

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of a single machine or piece of plant to the complete installation of all plant and machinery within a new building)

Machinery sudden and unforeseen damage/Machinery loss of profits

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of gross profit as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant cost of lost production are often overlooked. (e.g. Production machinery containing major components which can be extremely costly to repair or replace and may stop production for a prolonged period)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced.

Back to Contents

Construction industry
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for design, data processing, payroll, management information, personnel data, document production)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule on a UK wide basis. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced. (e.g. Excavators, Cranes, fork lift trucks, bulldozers, Loading Shovels, Grabs, accommodation, bowsers, generators , scaffolding, pressure washers which can be owned or hired-in)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects including whilst in transit to or from the contract site. Cover is designed to give comprehensive protection to contractors carrying out building or civil engineering work. The main contracting trades include:

Building Contracts:
Builders, Cladding/Glazing, Electrical, Air conditioning, Flooring

Civil Engineering Contracts:

Cabling, Drainage, Fencing, Foundation/ Groundworks, General Civil Engineers, Landscaping, Piling, Surfacing Cover can be provided by an annual open policy, protecting works within a given description up to an agreed limit, or by a specific policy protecting one project

Back to Contents

Docks/Ports
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for shipping/passenger data, data processing, payroll, management information, personnel data, document production)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced. (e.g. accommodation, cranes, fork-lift trucks, stacker trucks, generators, lighting towers, pressure washers, barriers, fencing and mobile elevating work platforms either owned or hired-in).

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Contract works machinery

Provides all risks protection for plant or machinery during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of new lifting and/or handling plant)

Machinery sudden and unforeseen damage / Machinery loss of revenue

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of revenue, as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant interruption are often overlooked. (e.g. high capacity lifting and handling plant that is costly to repair or replace and may interrupt the business for a prolonged period)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

10

Back to Contents

Electronics manufacturers
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for production, design, stock control, data processing, payroll, management information, personnel data, document production)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced. (e.g. mobile plant such as fork-lift trucks, stacker trucks, generators and mobile elevating work platforms either owned or hired-in)

Machinery movement
Provides a exible operations cover against damage during specified operations such as dismantling, erection, lifting, lowering, transit and re-siting of plant and machinery. (e.g. following the purchase of a new machine or major machine part cover can be required for the unloading and movement into position on site or for a machine which is being moved from one part of the premises to a different area within the same site)

Electronic Equipment
Provides all risks cover, including breakdown, for many types of low and medium power electrical equipment. Cover can apply to static, installed equipment or portable equipment on a UK or Worldwide basis. (e.g. measurement process engineering/research equipment, testing equipment, sound and picture equipment and audiovisual learning systems)

Machinery sudden and unforeseen damage/Machinery loss of profits

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of gross profit as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant cost of lost production are often overlooked. (e.g. Production machinery containing major components which can be extremely costly to repair or replace and may stop production for a prolonged period)

Contract works machinery

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of a single machine or piece of plant to the complete installation of a new assembly line)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)
11

Back to Contents

Engineering manufacturers
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for production, design, stock control, data processing, payroll, management information, personnel data, document production) (e.g. mobile plant such as accommodation, cranes, fork-lift trucks, stacker trucks, space heaters, welding kit and mobile elevating work platforms either owned or hired-in)

Machinery movement
Provides a exible operations cover against damage during specified operations such as dismantling, erection, lifting, lowering, transit and re-siting of plant and machinery. (e.g. following the purchase of a new machine or major machine part cover can be required for the unloading and movement into position on site or for a machine which is being moved from one part of the premises to a different area within the same site)

Contract works machinery

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of a single machine or piece of plant to the complete installation of all plant and machinery within a new building)

Machinery sudden and unforeseen damage/Machinery loss of profits

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of gross profit as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant cost of lost production are often overlooked. (e.g. Production machinery containing major components which can be extremely costly to repair or replace and may stop production for a prolonged period)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced.

12

Back to Contents

Flour mills
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for data processing, payroll, management information, personnel data, document production) (e.g. fork-lift trucks, stacker trucks, generators and mobile elevating work platforms either owned or hired-in)

Machinery movement
Provides a exible operations cover against damage during specified operations such as dismantling, erection, lifting, lowering, transit and re-siting of plant and machinery. (e.g. following the purchase of a new machine or major machine part cover can be required for the unloading and movement into position on site or for a machine which is being moved from one part of the premises to a different area within the same site)

Contract works machinery

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of a single machine or piece of plant to the complete installation of all plant and machinery within a new mill).

Machinery sudden and unforeseen damage/Machinery loss of profits

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of gross profit as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant cost of lost production are often overlooked. (e.g. Process machinery containing major components which can be extremely costly to repair or replace and may stop production for a prolonged period)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced.

13

Back to Contents

Food and beverage industries

Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for production, stock control, data processing, payroll, management information, personnel data, document production) (e.g. fork-lift trucks, stacker trucks, generators, chillers and mobile elevating work platforms either owned or hired-in)

Machinery movement
Provides a exible operations cover against damage during specified operations such as dismantling, erection, lifting, lowering, transit and re-siting of plant and machinery. (e.g. following the purchase of a new machine or major machine part cover can be required for the unloading and movement into position on site or for a machine which is being moved from one part of the premises to a different area within the same site)

Contract works machinery

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of a single machine or new bottling or packaging line to the complete installation of all plant and machinery within a new site)

Machinery sudden and unforeseen damage/Machinery loss of profits

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of gross profit as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant cost of lost production are often overlooked. (e.g. Process machinery including steam generation containing major components which can be extremely costly to repair or replace and may stop production for a prolonged period)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Deterioration of stock
Provides cover for loss of or damage to goods in cold storage due to deterioration or putrefaction following breakdown or accidental damage to refrigeration units or the escape of refrigerant gases. Goods may be frozen, refrigerated or in a controlled atmosphere. (e.g. frozen foodstuffs being stored in cold chambers)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced.

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)
14

Back to Contents

Forestry/Agriculture industries
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for data processing, payroll, management information, personnel data, document production)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Electronic Equipment
Provides all risks cover, including breakdown, for many types of low and medium power electrical equipment. Cover can apply to static, installed equipment or portable equipment on a UK or Worldwide basis. (e.g. surveying, testing equipment or communication equipment)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced. (e.g. Harvesters, Chippers, stump grinders, Forwarders, Excavators, Shredders, access platforms either owned or hired-in)

15

Back to Contents

Foundries
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for data processing, payroll, management information, personnel data, document production) (e.g. cranes, fork-lift trucks, stacker trucks, generators and mobile elevating work platforms either owned or hired-in)

Machinery movement
Provides a exible operations cover against damage during specified operations such as dismantling, erection, lifting, lowering, transit and re-siting of plant and machinery. (e.g. following the purchase of a new machine or major machine part cover can be required for the unloading and movement into position on site or for a machine which is being moved from one part of the premises to a different area within the same site)

Contract works machinery

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of a single machine or piece of plant to the complete installation of all plant and machinery within a new building)

Machinery sudden and unforeseen damage/Machinery loss of profits

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of gross profit as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant cost of lost production are often overlooked. (e.g. Production machinery containing major components which can be extremely costly to repair or replace and may stop production for a prolonged period)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced.

16

Back to Contents

Garages
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for parts control, data processing, payroll, management information, personnel data, document production)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced. (e.g. accommodation, fork-lift trucks, cranes, generators, power washers, welding kit, mobile elevating work platforms either owned or hired-in)

Machinery sudden and unforeseen damage/Machinery loss of revenue

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of revenue, as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant interruption are often overlooked. (e.g. rolling roads and high-tech diagnostic equipment that is costly to repair or replace and may interrupt the business for a prolonged period)

Electronic Equipment
Provides all risks cover, including breakdown, for many types of low and medium power electrical equipment. Cover can apply to static, installed equipment or portable equipment on a UK or Worldwide basis. (e.g. measurement ,testing and diagnostic equipment,

Contract works machinery

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of new MOT centre)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

17

Back to Contents

Glass manufacturers
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for production, stock control, data processing, payroll, management information, personnel data, document production) (e.g. mobile plant such as accommodation, fork-lift trucks, stacker trucks, generators and mobile elevating work platforms either owned or hired-in)

Machinery movement
Provides a exible operations cover against damage during specified operations such as dismantling, erection, lifting, lowering, transit and re-siting of plant and machinery. (e.g. following the purchase of a new machine or major machine part cover can be required for the unloading and movement into position on site or for a machine which is being moved from one part of the premises to a different area within the same site)

Contract works machinery

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of a single machine or piece of plant to the complete installation of all plant and machinery within a new building)

Machinery sudden and unforeseen damage/Machinery loss of profits

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of gross profit as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant cost of lost production are often overlooked. (e.g. Production machinery containing major components which can be extremely costly to repair or replace and may stop production for a prolonged period)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced.

18

Back to Contents

Hospital/Healthcare industries
Computer
Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced. (e.g. accommodation, air conditioning units, chillers, mobile plant such as fork-lift trucks, stacker trucks, generators, mowing equipment and mobile elevating work platforms either owned or hired-in).

Provides all risks cover for all types of computer equipment The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for patient records, data processing, payroll, management information, personnel data, document production)

Machinery sudden and unforeseen damage

Electronic Equipment

Provides cover for breakdown or accidental damage (cover can be restricted to breakdown only) to installed plant and equipment. Cover can be provided on a total value basis or by a list of specified items with individual sums insured. (e.g. air conditioning plant, heating and ventilation plant, lifts, boilers etc)

Provides all risks cover, including breakdown, for many types of low and medium power electrical equipment. Cover can apply to static, installed equipment or portable equipment on a UK or Worldwide basis. (e.g. laser machines, X-ray equipment, Film developing equipment, diagnostic equipment)

Machinery movement

Contract works machinery

Provides a exible operations cover against damage during specified operations such as dismantling, erection, lifting, lowering, transit and re-siting of plant and machinery. (e.g. following the purchase of a new machine or major machine part cover can be required for the unloading and movement into position on site or for a machine which is being moved from one part of the premises to a different area within the same site)

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of an MRI machine or sophisticated x-ray equipment)

Machinery sudden and unforeseen damage/Machinery loss of revenue

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of revenue, as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant interruption are often overlooked. (e.g. heating, ventilating and diagnostic equipment that is costly to repair or replace and may interrupt the business for a prolonged period)

Deterioration of stock

Plant protection

Provides cover for loss of or damage to goods in cold storage due to deterioration or putrefaction following breakdown or accidental damage to refrigeration units or the escape of refrigerant gases. (e.g. medicines, drugs & vaccines)

Plant (Owned and/or Hired-in)

Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)
19

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule.

Back to Contents

Hotels
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for bookings, data processing, payroll, management information, personnel data, document production)

Machinery sudden and unforeseen damage Should this include MLOP?

Provides cover for breakdown or accidental damage (cover can be restricted to breakdown only) to installed plant and equipment. Cover can be provided on a total value basis or by a list of specified items with individual sums insured. (e.g. air conditioning plant, heating and ventilation plant, lifts, boilers etc)

Deterioration of stock
Provides cover for loss of or damage to goods in cold storage due to deterioration or putrefaction following breakdown or accidental damage to refrigeration units or the escape of refrigerant gases. (e.g. foodstufss in freezers)

Electronic Equipment
Provides all risks cover, including breakdown, for many types of low and medium power electrical equipment. Cover can apply to static, installed equipment or portable equipment on a UK or Worldwide basis. (e.g. communication equipment, sound, lighting equipment and audiovisual learning systems)

Machinery sudden and unforeseen damage/Machinery loss of revenue

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of revenue, as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant interruption are often overlooked. (e.g. catering, heating, ventilating & leisure equipment that is costly to repair or replace and may interrupt the business for a prolonged period)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing hotel or construction of a new building)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks).

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced. (e.g. space heaters, air conditioning, generators, mowing equipment, mobile elevating work platforms either owned or hired-in)

20

Back to Contents

Housing trusts
Computer
Provides all risks cover for all types of computer equipment The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for data processing, payroll, management information, personnel data, document production)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced. (e.g. accommodation, excavators, mini diggers, generators, space heaters and mobile elevating work platforms either owned or hired-in).

21

Back to Contents

Leisure industry (pubs/restaurants/clubs)

Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for bookings, data processing, payroll, management information, personnel data, document production) (e.g. air conditioning plant, heating and ventilation plant, lifts, boilers etc)

Deterioration of stock
Provides cover for loss of or damage to goods in cold storage due to deterioration or putrefaction following breakdown or accidental damage to refrigeration units or the escape of refrigerant gases. (e.g. foodstuffs kept in freezers/cold stores)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Machinery sudden and unforeseen damage/Machinery loss of revenue

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of revenue, as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant interruption are often overlooked. (e.g. catering, heating, ventilating & leisure equipment that is costly to repair or replace and may interrupt the business for a prolonged period)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced. (e.g. mobile plant such as fork-lift trucks, stacker trucks, generators, mowing equipment, space heaters, air conditioning and mobile elevating work platforms either owned or hired-in)

Machinery sudden and unforeseen damage

Provides cover for breakdown or accidental damage (cover can be restricted to breakdown only) to installed plant and equipment. Cover can be provided on a total value basis or by a list of specified items with individual sums insured.

22

Back to Contents

Manufacturing (general)
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for production, design, stock control, data processing, payroll, management information, personnel data, document production) (e.g. accommodation, mobile plant such as forklift trucks, stacker trucks, cranes, generators, welding kit and mobile elevating work platforms either owned or hired-in)

Machinery movement
Provides a exible operations cover against damage during specified operations such as dismantling, erection, lifting, lowering, transit and re-siting of plant and machinery. (e.g. following the purchase of a new machine or major machine part cover can be required for the unloading and movement into position on site or for a machine which is being moved from one part of the premises to a different area within the same site)

Contract works machinery

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of a single machine or piece of plant to the complete installation of all plant and machinery within a new building)

Machinery sudden and unforeseen damage/Machinery loss of profits

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of gross profit as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant cost of lost production are often overlooked. (e.g. Production machinery containing major components which can be extremely costly to repair or replace and may stop production for a prolonged period)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced.

23

Back to Contents

Media/TV
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for data processing, payroll, management information, personnel data, document production)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Machinery sudden and unforeseen damage Machinery loss of profits

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of gross profit or revenue, as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant cost of lost production are often overlooked.
(e.g. film production and broadcasting equipment that is costly to repair or replace and may interrupt the business for a prolonged period)

Electronic Equipment
Provides all risks cover, including breakdown, for many types of low and medium power electrical equipment. Cover can apply to static, installed equipment or portable equipment on a UK or Worldwide basis. (e.g. cameras, outside broadcasting equipment, transmitting equipment)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced. (e.g. accommodation, film/TV production equipment, generators and mobile elevating work platforms either owned or hired-in)

24

Back to Contents

Mines/Quarries
Computer
Provides all risks cover for all types of computer equipment The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for film / broadcast transmission, data processing, payroll, management information, personnel data, document production)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Contract works machinery

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of new conveyor system, screening plant to the complete installation of all plant and machinery within a new site)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced. (e.g .accommodation, excavators, loading shovels, dump trucks, cranes, generators, fork lift trucks etc either owned or hired-in).

25

Back to Contents

Offices
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for data processing, payroll, management information, personnel data, document production)

Machinery sudden and unforeseen damage

Provides cover for breakdown or accidental damage (cover can be restricted to breakdown only) to installed plant and equipment. Cover can be provided on a total value basis or by a list of specified items with individual sums insured. (e.g. air conditioning plant, heating and ventilation plant, lifts, boilers etc)

Deterioration of stock
Provides cover for loss of or damage to goods in cold storage due to deterioration or putrefaction following breakdown or accidental damage to refrigeration units or the escape of refrigerant gases. (e.g. foodstuffs stored in freezers)

Electronic Equipment
Provides all risks cover, including breakdown, for many types of low and medium power electrical equipment. Cover can apply to static, installed equipment or portable equipment on a UK or Worldwide basis. (e.g. telephone system, security system)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced. (e.g. accommodation, air conditioning, space heaters, generators, mobile elevating work platforms either owned or hired-in)

26

Back to Contents

Packaging industry
Computer
Provides all risks cover for all types of computer equipment The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for production, stock control, data processing, payroll, management information, personnel data, document production) (e.g. mobile plant such as fork-lift trucks, stacker trucks, generators and mobile elevating work platforms either owned or hired-in).

Machinery movement
Provides a exible operations cover against damage during specified operations such as dismantling, erection, lifting, lowering, transit and re-siting of plant and machinery. (e.g. following the purchase of a new machine or major machine part cover can be required for the unloading and movement into position on site or for a machine which is being moved from one part of the premises to a different area within the same site)

Contract works machinery

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of a single machine or new packaging line to the complete installation of all plant and machinery within a new building)

Machinery sudden and unforeseen damage/Machinery loss of profits

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of gross profit as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant cost of lost production are often overlooked. (e.g. Production machinery including steam generation containing major components which can be extremely costly to repair or replace and may stop production for a prolonged period)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced.

27

Back to Contents

Paper manufacturers
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for production, stock control, data processing, payroll, management information, personnel data, document production) (e.g. fork-lift trucks, stacker trucks, generators, cranes and mobile elevating work platforms either owned or hired-in)

Machinery movement
Provides a exible operations cover against damage during specified operations such as dismantling, erection, lifting, lowering, transit and re-siting of plant and machinery. (e.g. following the purchase of a new machine or major machine part cover can be required for the unloading and movement into position on site or for a machine which is being moved from one part of the premises to a different area within the same site)

Contract works machinery

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of a new paper machine or yankee dryer to the complete installation of all plant and machinery within a new building)

Machinery sudden and unforeseen damage/Machinery loss of profits

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of gross profit as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant cost of lost production are often overlooked. (e.g. Production machinery including steam generation containing major components which can be extremely costly to repair or replace and may stop production for a prolonged period)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced.

28

Back to Contents

Petrochemical industries
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for production, stock control, data processing, payroll, management information, personnel data, document production)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced. (e.g. fork-lift trucks, stacker trucks, cranes, generators, tanks, bowsers and mobile elevating work platforms either owned or hired-in)

Machinery sudden and unforeseen damage/Machinery loss of profits

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of gross profit as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant cost of lost production are often overlooked. (e.g. Process machinery including steam generation containing major components which can be extremely costly to repair or replace and may stop production for a prolonged period)

Electronic Equipment
Provides all risks cover, including breakdown, for many types of low and medium power electrical equipment. Cover can apply to static, installed equipment or portable equipment on a UK or Worldwide basis. (e.g. measurement process engineering/research equipment, testing and surveying equipment)

Contract works machinery

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of a single machine or piece of plant to the complete installation of all plant and machinery within a new building)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

29

Back to Contents

Plastic manufacturers
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for stock control, data processing, payroll, management information, personnel data, document production) (e.g. fork-lift trucks, stacker trucks, cranes, generators and mobile elevating work platforms either owned or hired-in)

Machinery movement
Provides a exible operations cover against damage during specified operations such as dismantling, erection, lifting, lowering, transit and re-siting of plant and machinery. (e.g. following the purchase of a new machine or major machine part cover can be required for the unloading and movement into position on site or for a machine which is being moved from one part of the premises to a different area within the same site)

Contract works machinery

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of injection moulding machine(s) or new conveyor system to the complete installation of all plant and machinery within a new building)

Machinery sudden and unforeseen damage/Machinery loss of profits

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of gross profit as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant cost of lost production are often overlooked. (e.g. Production machinery containing major components which can be extremely costly to repair or replace and may stop production for a prolonged period)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced.
30

Back to Contents

Printing/Publishing
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for publishing, stock control, data processing, payroll, management information, personnel data, document production) (e.g. fork-lift trucks, stacker trucks, generators and mobile elevating work platforms either owned or hired-in)

Machinery movement
Provides a exible operations cover against damage during specified operations such as dismantling, erection, lifting, lowering, transit and re-siting of plant and machinery. (e.g. following the purchase of a new machine or major machine part cover can be required for the unloading and movement into position on site or for a machine which is being moved from one part of the premises to a different area within the same site)

Contract works machinery

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of a new printing press to the complete installation of all plant and machinery within a new building)

Machinery sudden and unforeseen damage/Machinery loss of profits

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of gross profit as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant cost of lost production are often overlooked. (e.g. Printing machinery containing major components which can be costly to repair or replace and may stop production for a prolonged period)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced.

31

Back to Contents

Property investors
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for property/tenant control, data processing, payroll, management information, personnel data, document production)

Machinery sudden and unforeseen damage

Provides cover for breakdown or accidental damage (cover can be restricted to breakdown only) to installed plant and equipment. Cover can be provided on a total value basis or by a list of specified items with individual sums insured. (e.g. air conditioning plant, heating and ventilation plant, lifts, boilers etc)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Machinery sudden and unforeseen damage/Machinery loss of revenue

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of revenue, as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant interruption are often overlooked. (e.g. heating, ventilating and lifts / lifting equipment that is costly to repair or replace and may interrupt the business for a prolonged period)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced. (e.g. accommodation, excavators, mini diggers, generators, lighting air conditioning, space heaters and mobile elevating work platforms either owned or hired-in)

32

Back to Contents

Retailers
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for stock control, data processing, payroll, management information, personnel data, document production)

Deterioration of stock
Provides cover for loss of or damage to goods in cold storage due to deterioration or putrefaction following breakdown or accidental damage to refrigeration units or the escape of refrigerant gases. Goods may be frozen, refrigerated or in a controlled atmosphere. (e.g. foodstuffs and other products requiring storage within a controlled atmosphere)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Electronic Equipment
Provides all risks cover, including breakdown, for many types of low and medium power electrical equipment. Cover can apply to static, installed equipment or portable equipment on a UK or Worldwide basis. (e.g. shop equipment such as electronic tills)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced. (e.g. fork-lift trucks, stacker trucks, generators and mobile elevating work platforms either owned or hired-in)

33

Back to Contents

School/Colleges/Universities
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for design, pupil records, data processing, payroll, management information, personnel data, document production)

Machinery sudden and unforeseen damage

Provides cover for breakdown or accidental damage (cover can be restricted to breakdown only) to installed plant and equipment. Cover can be provided on a total value basis or by a list of specified items with individual sums insured. (e.g. air conditioning plant, heating and ventilation plant, lifts, boilers etc)

Deterioration of stock
Provides cover for loss of or damage to goods in cold storage due to deterioration or putrefaction following breakdown or accidental damage to refrigeration units or the escape of refrigerant gases. Goods may be frozen, refrigerated or in a controlled atmosphere. (e.g. foodstuffs and other products requiring storage within a controlled atmosphere)

Electronic Equipment
Provides all risks cover, including breakdown, for many types of low and medium power electrical equipment. Cover can apply to static, installed equipment or portable equipment on a UK or Worldwide basis. (e.g. measurement process equipment for engineering and research, sound and picture equipment and audiovisual learning systems)

Machinery sudden and unforeseen damage/Machinery loss of profits

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of gross profit or revenue, as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant interruption are often overlooked. (e.g. catering, heating, ventilating and high-tech electronic or diagnostic equipment that is costly to repair or replace and may interrupt the business for a prolonged period)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced. (e.g. accommodation, mini diggers, fork-lift trucks, generators, cranes, mowing equipment and mobile elevating work platforms either owned or hired-in)

34

Back to Contents

Shipbuilding industry
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for design, stock control, data processing, payroll, management information, personnel data, document production) (e.g. accommodation, cranes, fork-lift trucks, stacker trucks, generators, lighting towers and mobile elevating work platforms either owned or hired-in)

Machinery movement
Provides a exible operations cover against damage during specified operations such as dismantling, erection, lifting, lowering, transit and re-siting of plant and machinery. (e.g. following the purchase of a new machine or major machine part cover can be required for the unloading and movement into position on site or for a machine which is being moved from one part of the premises to a different area within the same site)

Contract works machinery

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of new lifting and handling plant)

Machinery sudden and unforeseen damage/Machinery loss of profits

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of gross profit as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant cost of lost production are often overlooked. (e.g. Production machinery containing major components which can be extremely costly to repair or replace and may stop production for a prolonged period)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced.

35

Back to Contents

Steel manufacturers
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for production, stock control, data processing, payroll, management information, personnel data, document production) (e.g. fork-lift trucks, stacker trucks, generators, cranes and mobile elevating work platforms either owned or hired-in)

Machinery movement
Provides a exible operations cover against damage during specified operations such as dismantling, erection, lifting, lowering, transit and re-siting of plant and machinery. (e.g. following the purchase of a new machine or major machine part cover can be required for the unloading and movement into position on site or for a machine which is being moved from one part of the premises to a different area within the same site)

Contract works machinery

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of a single machine or piece of plant to the complete installation of all plant and machinery within a new building)

Machinery sudden and unforeseen damage/Machinery loss of profits

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of gross profit as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant cost of lost production are often overlooked. (e.g. Production machinery containing major components which can be extremely costly to repair or replace and may stop production for a prolonged period)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced.

36

Back to Contents

Telecommunications industry
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for design, communication control, billing, data processing, payroll, management information, personnel data, document production)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced. (e.g. mobile plant such as fork-lift trucks, stacker trucks, generators and mobile elevating work platforms either owned or hired-in)

Machinery movement
Provides a exible operations cover against damage during specified operations such as dismantling, erection, lifting, lowering, transit and re-siting of plant and machinery. (e.g. following the purchase of a new machine or major machine part cover can be required for the unloading and movement into position on site or for a machine which is being moved from one part of the premises to a different area within the same site)

Electronic Equipment
Provides all risks cover, including breakdown, for many types of low and medium power electrical equipment. Cover can apply to static, installed equipment or portable equipment on a UK or Worldwide basis. (e.g. electronic communication equipment, measurement process engineering/research equipment, sound and picture equipment and audiovisual learning systems)

Machinery sudden and unforeseen damage/Machinery loss of profits

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of gross profit as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant cost of lost production are often overlooked. (e.g. Production machinery and telecommunications equipment containing major components which can be extremely costly to repair or replace and may stop production for a prolonged period)

Contract works machinery

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of a single machine or piece of plant to the complete installation of a new assembly line)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)
37

Back to Contents

Theatres/Cinemas
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for bookings, data processing, payroll, management information, personnel data, document production)

Machinery sudden and unforeseen damage

Provides cover for breakdown or accidental damage (cover can be restricted to breakdown only) to installed plant and equipment. Cover can be provided on a total value basis or by a list of specified items with individual sums insured. (e.g. air conditioning plant, heating and ventilation plant, lifts, boilers etc)

Deterioration of stock
Provides cover for loss of or damage to goods in cold storage due to deterioration or putrefaction following breakdown or accidental damage to refrigeration units or the escape of refrigerant gases. (e.g. foodstuffs in freezers)

Electronic Equipment
Provides all risks cover, including breakdown, for many types of low and medium power electrical equipment. Cover can apply to static, installed equipment or portable equipment on a UK or Worldwide basis. (e.g. electronic tills, automated ticket and cash machines)

Machinery sudden and unforeseen damage/Machinery loss of revenue

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of revenue, as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant interruption are often overlooked. (e.g. catering, heating, ventilating, projection equipment and stage machinery that is costly to repair or replace and may interrupt the business for a prolonged period)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced. (e.g. generators and mobile elevating work platforms either owned or hired-in)

38

Back to Contents

Tobacco industry
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for production, stock control, data processing, payroll, management information, personnel data, document production) (e.g. fork-lift trucks, stacker trucks, cranes, generators and mobile elevating work platforms either owned or hired-in)

Machinery movement
Provides a exible operations cover against damage during specified operations such as dismantling, erection, lifting, lowering, transit and re-siting of plant and machinery. (e.g. following the purchase of a new machine or major machine part cover can be required for the unloading and movement into position on site or for a machine which is being moved from one part of the premises to a different area within the same site)

Contract works machinery

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of a single machine or piece of plant to the complete installation of all plant and machinery within a new building)

Machinery sudden and unforeseen damage/Machinery loss of profits

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of gross profit as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant cost of lost production are often overlooked. (e.g. Production machinery containing major components which can be extremely costly to repair or replace and may stop production for a prolonged period)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced.

39

Back to Contents

Transport/Logistics industries
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for storage/delivery records, data processing, payroll, management information, personnel data, document production)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced. (e.g. accommodation, fork-lift trucks, stacker trucks, cranes, generators lighting and mobile elevating work platforms either owned or hired-in)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Electronic Equipment
Provides all risks cover, including breakdown, for many types of low and medium power electrical equipment. Cover can apply to static, installed equipment or portable equipment on a UK or Worldwide basis. (e.g. communication equipment, stock control equipment)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

40

Back to Contents

Tyre manufacturers/distributors
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for production, design, stock control, data processing, payroll, management information, personnel data, document production) Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced. (e.g. fork-lift trucks, stacker trucks, generators and mobile elevating work platforms either owned or hired-in)

Machinery movement
Provides a exible operations cover against damage during specified operations such as dismantling, erection, lifting, lowering, transit and re-siting of plant and machinery. (e.g. following the purchase of a new machine or major machine part cover can be required for the unloading and movement into position on site or for a machine which is being moved from one part of the premises to a different area within the same site)

Contract works machinery

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of a single machine or piece of plant to the complete installation of all plant and machinery within a new building)

Machinery sudden and unforeseen damage/Machinery loss of profits

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of gross profit as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant cost of lost production are often overlooked. (e.g. Production machinery including steam generation containing major components which can be extremely costly to repair or replace and may stop production for a prolonged period)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule.

41

Back to Contents

Utilities (gas/water/electricity)
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for production, design, billing, data processing, payroll, management information, personnel data, document production)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced. (e.g. accommodation, excavators, mini-diggers, cranes, fork-lift trucks, stacker trucks, generators, lighting equipment, fencing, barriers and mobile elevating work platforms either owned or hired-in)

Machinery movement
Provides a exible operations cover against damage during specified operations such as dismantling, erection, lifting, lowering, transit and re-siting of plant and machinery. (e.g. following the purchase of a new machine or major machine part cover can be required for the unloading and movement into position on site or for a machine which is being moved from one part of the premises to a different area within the same site)

Electronic Equipment
Provides all risks cover, including breakdown, for many types of low and medium power electrical equipment. Cover can apply to static, installed equipment or portable equipment on a UK or Worldwide basis. (e.g. measurement process engineering/research equipment, testing equipment, sound and picture equipment and audiovisual learning systems)

Contract works machinery

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of a single machine or piece of plant to the complete installation of all plant and machinery within a new building)

Machinery sudden and unforeseen damage/Machinery loss of profits

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of gross profit as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant cost of lost production are often overlooked. (e.g. Production machinery including steam generation containing major components which can be extremely costly to repair or replace and may stop production for a prolonged period)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)
42

Back to Contents

Woodworking industry
Computer
Provides all risks cover for all types of computer equipment. The policy may be extended to include increased cost of working incurred to minimise disruption to the work normally carried out by the computers and the cost of reinstating lost data. Costs incurred following failure of electricity or telecommunications and data loss caused by a breakdown, virus attack or hacking are included in the wording. Portable computer equipment may be included on a worldwide basis. (e.g. Computers used for production, design, data processing, payroll, management information, personnel data, document production) (e.g. fork-lift trucks, stacker trucks, generators, sanding & planning equipment and mobile elevating work platforms either owned or hired-in)

Machinery movement
Provides a exible operations cover against damage during specified operations such as dismantling, erection, lifting, lowering, transit and re-siting of plant and machinery. (e.g. following the purchase of a new machine or major machine part cover can be required for the unloading and movement into position on site or for a machine which is being moved from one part of the premises to a different area within the same site)

Contract works machinery

Provides all risks protection for machinery or production lines during their installation including transit to or from the contract site (other than by sea or air). Cover extends to include breakdown of new machinery during and up to 28 days testing and commissioning. Cover can be arranged on an annual or project specific basis. (e.g. installation of a single machine or piece of plant to the complete installation of all plant and machinery within a new building)

Machinery sudden and unforeseen damage/Machinery loss of profits

These policies provide cover for breakdown or accidental damage (cover can be restricted to breakdown only) to machinery and loss of gross profit as a result of the stoppage. These policies usually apply to installed plant and machinery and are designed to dovetail with the property program. Whilst property perils such as fire and storm are always prevalent when considering insurance requirements, breakdown and the resultant cost of lost production are often overlooked. (e.g. Production machinery containing major components which can be extremely costly to repair or replace and may stop production for a prolonged period)

Contract works construction

Provides all risks cover for contract works and materials for building or infrastructure projects. Contract conditions can be drawn up with obligations to insure imposed upon the principal/ employer not the contractor. Cover for principals is normally linked to a single project, but some larger businesses may take out annual insurance to protect all building works being carried out. (e.g. extension or refurbishment to an existing building or construction of a new building)

Plant protection
Provides insurance for plant inspected under a Zurich inspection contract, where cover may include breakdown, accidental damage, explosion & collapse. Optional extensions include reinstatement, lifted goods, own surrounding property and loss of storage tanks contents including the cost of cleaning up. (e.g. boilers, air receivers, lifts, cranes, fork lift trucks)

Plant (Owned and/or Hired-in)

Owned Plant provides all risks cover on all types of plant owned by the insured either on a specified item basis or on a blanket schedule. Hired-in Plant provides cover for a clients legal liability under the hire agreement to compensate the hiring company for loss or damage to the hired plant plus continuing hire charges until the item is repaired or replaced.

43

Zurich Insurance plc A public limited company incorporated in Ireland. Registration No. 13460. Registered Office: Zurich House, Ballsbridge Park, Dublin 4, Ireland. UK Branch registered in England and Wales Registration No. BR7985. UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ. Authorised by the Irish Financial Regulator and subject to limited regulation by the Financial Services Authority. Details about the extent of our regulation by the Financial Services Authority are available from us on request. FSA registration number 203093. These details can be checked on the FSAs register by visiting their website www.fsa.gov.uk/register or by contacting them on 0845 606 1234. Communications may be monitored or recorded to improve our service and for security and regulatory purposes.
710587001 (04/10) RRD

Copyright Zurich Insurance plc 2010. All rights reserved. Reproduction, adaptation, or translation without prior written permission is prohibited except as allowed under copyright laws. The pulp used in the manufacture of this paper is from renewable timber produced on a fully sustainable basis. The pulp used in the manufacture of this paper is bleached without the use of chlorine gas (ECF Elemental Chlorine Free). The paper is suitable for recycling.