Fine Art & Specie
Specialist arrangement
Addresses insured physical loss or damage to artworks, collections and high value portable assets such as precious metals or cash, using asset-specific valuation and security arrangements.
- Illustrative example
- A museum's insured painting suffers accidental damage while being transported to an approved temporary exhibition.
- Check the wording
- Fine art and specie are distinct placements; verify insured property, agreed valuations, transit, security and restoration-related value loss.
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Jewellers Block
Addresses selected physical loss or damage to a jewellery business's stock and entrusted items, potentially covering premises, transit and customer goods within agreed security and handling conditions.
- Illustrative example
- A jewellery retailer suffers a robbery that removes insured stock from secured display cabinets.
- Check the wording
- Observe safe, alarm, stock record and transit requirements; unattended vehicles, customer custody and employee dishonesty may be restricted.
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Bloodstock
Addresses the insured death or necessary humane destruction of valuable horses from specified causes, with additional veterinary, infertility or loss of use benefits requiring separate agreement.
- Illustrative example
- A valuable breeding horse suffers a severe accidental injury and requires urgent veterinary assessment.
- Check the wording
- Check veterinary certificates, immediate notification and consent requirements; reduced performance and routine treatment are not automatically insured.
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Event Cancellation
Addresses agreed financial losses when an event must be cancelled, abandoned, postponed or relocated because of insured circumstances beyond the organiser's control, rather than poor commercial performance.
- Illustrative example
- Severe insured weather makes a festival venue unsafe, forcing the organiser to cancel the event.
- Check the wording
- Check insured causes, unavoidable costs and revenue basis; poor ticket sales, disease and performer absence may be excluded.
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Entertainment Insurance
Specialist arrangement
Combines selected protections for film, television, live entertainment or other productions, potentially addressing equipment damage, production interruption and liability according to the activities and sections insured.
- Illustrative example
- A film production suffers insured camera damage and must rearrange scheduled shooting while replacement equipment arrives.
- Check the wording
- Production budgets, cast availability, locations, stunts and media liability require separate assessment; a package does not include every exposure.
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Sports Insurance
Specialist arrangement
Combines selected accident, liability or property protections for sporting organisations, events and participants, with eligibility and benefits tied to the insured activities and each chosen section.
- Illustrative example
- A sporting club considers participant injury benefits alongside liability protection for claims arising from organised training.
- Check the wording
- Check registered participants, sanctioned activities, professional status and exclusions; accident benefits and liability protection serve different purposes.
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Prize Indemnity
Addresses an organiser's obligation to award a specified prize if a defined promotional or sporting achievement occurs, using pre-agreed rules, verification requirements and financial limits.
- Illustrative example
- A golfer achieves the specified hole in one at an insured promotion offering a major prize.
- Check the wording
- Competition rules, participant eligibility, odds, independent witnesses and prize value must match the insurer's agreed requirements exactly.
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Kidnap & Ransom
Addresses selected financial costs and specialist response needs arising from kidnapping, extortion or related security events affecting insured people, subject to territorial, legal and payment restrictions.
- Illustrative example
- An employee is kidnapped while abroad and the employer needs urgent specialist crisis response assistance.
- Check the wording
- Maintain required confidentiality and contact protocols; sanctions and payment laws can prohibit reimbursement or other assistance for particular events.
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Terrorism
Addresses selected terrorism-related physical damage and associated business interruption through specific cover or applicable scheme arrangements, where the event and insured property meet the required definitions.
- Illustrative example
- An insured terrorist attack damages commercial premises and prevents the business operating while repairs take place.
- Check the wording
- Confirm terrorism definitions, property eligibility and exclusions; public schemes do not make all assets or resulting losses insured.
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Political Violence
Addresses selected damage and interruption from politically motivated violence, potentially including riots, insurrection or war, with each peril and territory expressly defined in the agreed protection.
- Illustrative example
- Civil unrest escalates into an insured violent event that damages a company's overseas warehouse.
- Check the wording
- War is not automatically included; check selected perils, territory exclusions, cancellation provisions and the distinction from government expropriation.
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Aviation Hull
Cover section
Addresses insured physical loss or damage to an aircraft itself during agreed ground or flight operations, protecting the asset rather than liability to passengers or others.
- Illustrative example
- An insured aircraft suffers substantial landing damage to its undercarriage, requiring specialised repairs before further flights.
- Check the wording
- Confirm agreed aircraft value, permitted pilots and uses, operating territories and ground versus flight risks; liability requires separate cover.
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Aviation Liability
Cover section
Addresses an aircraft owner's or operator's liability for insured passenger injuries, third-party injuries and property damage arising from aviation activities, subject to defined operations and limits.
- Illustrative example
- An aircraft accident damages neighbouring property and leads to claims against the aircraft's operator.
- Check the wording
- Passenger, third-party and airport-related liabilities differ; verify insured operations, liability limits, permitted pilots and any contractual requirements.
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Drone / UAV Insurance
Addresses selected physical damage to drones and liability from their operation, with protection tailored to the aircraft, payload, pilot activities and intended commercial or recreational use.
- Illustrative example
- A surveying drone crashes during an approved flight, damaging its camera and a nearby parked vehicle.
- Check the wording
- Confirm hull and liability sections, payload values, approved operations and pilot requirements; privacy and cyber losses need separate assessment.
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Space Insurance
Specialist arrangement
Addresses specified financial exposures involving satellites or other space assets during agreed phases such as launch or orbit, with technical failure and liability risks separately structured.
- Illustrative example
- A communications satellite fails during launch and cannot reach the orbit specified for its mission.
- Check the wording
- Launch, in-orbit and third-party liability are distinct risks; performance thresholds, exclusions, mission stages and declared values determine cover.
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