Elmo Insurance Ltd offers insurance for all types of retail outlets as well as public houses and restaurants. No matter what your line of business, there is a possibility of an accident happening on your premises and having the appropriate insurance cover offers peace of mind if the worst happens.

Buildings and Rent Cover
The policy will provide cover for any loss damage or destruction to your business buildings as a result of fire, lightning, explosion, riot, strike and malicious damage, earthquake, subterranean fire, storm, tempest and flood, escape of water, impact by motor vehicles as well as damage caused by aircraft. The policy will also cover any rent payable in the event damage to the buildings.

Contents Cover
The policy will provide cover for any loss damage or destruction to your business contents including but not limited to stocks in trade, furniture, fixtures and fittings and equipment as a result of fire, lightning, explosion, theft following forcible entry or exit from the premises, riot, strike and malicious damage, earthquake, subterranean fire, storm, tempest and flood, escape of water, impact by motor vehicles as well as damage caused by aircraft.

Business Interruption Cover
The policy aims to provide indemnity for loss of profits or income that you might sustain following an interruption of the business or interference therewith as a consequence of a loss which is covered under the Buildings & Rent Cover or the Contents Cover .

Electronic Equipment Cover
The policy covers your electronic equipment and/or any external data media against accidental loss damage or destruction including fluctuations of the power supply caused by lightning or electrical surges. The policy can also provide cover for reasonable costs that you might incur in order to reinstate lost data.

Money Cover
The policy will provide cover for loss of money from your premises, whether open or closed for business, or while in direct transit from your business premises to the bank. Cover is also available for any money whilst held in an approved safe, or while it is being held in a bank night safe.

Public Liability Cover
The policy will provide cover against legal liability arising from the business and which you may become liable to pay in respect of accidental bodily injury or accidental property damage sustained by third parties.

Employers' Liability Cover
The policy will provide cover against legal liability which you may become liable to pay in respect of bodily injury sustained by your employees and arising out of and during the course of their employment.

Glass Cover
The Glass Policy will provide cover for accidental damage to the plate glass fixed at your premises due to accidental damage.

Goods in Transit Cover
The Goods in Transit Policy will provide cover for loss or damage to the property insured whilst in transit from the time of lifting until the time they are in position at their destination, including any loading and unloading.

Machinery Breakdown Cover
The policy is aimed at providing cover for a number of different types of machinery and plant whilst these are at work or at rest or whilst being dismantled for the purpose of cleaning or overhauling against sudden and unforeseen loss or damage in a manner necessitating their repair or replacement. The Machinery Breakdown Policy supplements the cover already granted under the Contents Cover .

Loss of Profits Following Machinery Breakdown Cover
The policy aims to provide indemnity for loss of profits or income that you might sustain following an interruption of the business or interference therewith as a consequence of a loss which is covered under the Machinery Breakdown Cover.

Deterioration of Stocks Cover
The policy is designed as a cover against deterioration of stock in cold storage due to a breakdown of the refrigerating plant / machinery or accidental failure of electrical supply which under certain conditions can cause the rise or fall in temperature or allow unforeseen escape of refrigerant gas. This policy requires that a Machinery Breakdown Cover is in force at all times.

Personal Accident (Group & Individual) Covers
The policy provides the insured person/s with specific benefits in the event of accidental death or disability (both permanent and temporary) following an accident. The policy will also cover medical expenses following a valid claim under the policy.