All risks insurance covers unforeseen physical loss, damage and/or destruction to property insured by any accident or misfortune not specifically excluded by the policy.

All risks insurance covers accidental damage, theft, burglary, fire and smoke damage, water damage, natural disasters, vandalism, impact damage, civil commotion, power surges, falling objects, among other risks.

All risks insurance is suitable for individuals and businesses who want comprehensive protection for their valuable assets, including homeowners, renters, businesses, and property owners.

• Wear, tear and depreciation
• Loss/damage arising out of any process of cleaning, repair, renovation or restoration
• Wilful neglect
• Consequential loss of any kind
• Faults or defects known to the insured or their responsible employees before the loss or damage occurred

Portable items like laptops, phones, and tablets are covered worldwide, while the rest are covered within Uganda.