Your commercial property is covered in the event of damage due to fire, theft and vandalism, your buildings’ replacement value, your merchandise, tools and the material used for construction.

You are covered for damage that may be caused to third parties, including work performed by sub-contractors. For example, you’re covered if during work, you break a pipe which causes significant damage to your client’s property.

Embezzlement resulting directly from any dishonest act committed by an employee is covered.