Insurance policies offered by Leigh Group

By: Leigh Group  11-11-2011
Keywords: Insurance, Theft, Insurance Cover

Our services cover:


  • Covers your buildings and contents against perils such as fire, lightning, explosion, storm, wind, water, hail, snow, aircraft, and impact by trees, animals, and motor vehicles.
  • The main items NOT covered by this insurance, are losses resulting from wear, tear or gradual deterioration and to retaining walls caused by wind, water and storm and failure to take all reasonable precautions for the maintenance and safety of property insured. 
  • The sum insured is based on the current cost to rebuild, repair or replace the buildings or contents insured and should include fixtures & fittings, goods held in trust and those for which you are responsible. Unless recently professionally valued, most buildings and contents are inadequately insured and the claim settlement is proportionately reduced.
  • Provides insurance cover for your buildings and contents against loss or damage following a wide range of perils such as fire, lightning, earthquake, storm, wind, water, hail or snow, aircraft and impact by trees, animals or motor vehicles and theft.

  • The main items NOT covered by this insurance, are losses resulting from wear, tear or gradual deterioration and to retaining walls caused by wind, water & storm and failure to take all reasonable precautions for the maintenance and safety of property insured.

  • The sum insured is based on the current cost to rebuild, repair or replace the buildings or contents insured and should include fixtures & fittings, goods held in trust and those for which you are responsible. Unless recently professionally valued, most buildings and contents are inadequately insured and the claim settlement is proportionately reduced.
  • Covers contents specific to an office and, in addition to perils such as fire, lightning, explosion, storm, wind, water, hail, snow, earthquake, aircraft, impact by trees, animal or motor vehicles, includes protection against accidental breakage of mirror, glass, plate glass, tops to furniture and against theft.
  • The main items NOT covered by this insurance, are losses resulting from wear, tear or gradual deterioration and loss or damage to computer equipment caused by lightning or theft.
  • This cover places you back in the same position if you lose turnover/sales/revenue/income as a result of loss of or damage to your organisation/association and follows the perils covered by the CMEC Building & Contents Combined, CMEC Office Contents or CMEC Fire sections.
  • The main items NOT covered by this insurance include purchases, less discounts received, bad debts, delivery and packaging and discounts allowed.
  •  The sum insured is based on the annual gross profit/gross fees/gross revenue or gross income and can be insured for indemnity periods of 3, 6, 9, 12 or 18 months. Inadequate sums insured will result in the claim settlement being reduced proportionately.
  • Covers your contents in the event of burglaries.

  • The main items NOT covered by this insurance, are losses resulting from a dishonest employee or a person lawfully on the premises.
  • The sum insured under a Theft policy is referred to as a “First Loss” and is selected to suit your maximum exposure. It is not subject to underinsurance adjustments.
  • Covers loss of cash, cheques and card vouchers.

  • The main items NOT covered by this insurance are losses arising from the dishonesty of an employee, from shortages due to error or omission, or use of keys left on the premises.
  • Covers loss of or damage to internal and external glass and mirrors, and includes sign writing.

  • The main items NOT covered by this insurance are losses resulting from glass cracked or damaged prior to the inception of this policy.
  • The sum insured must represent the present replacement cost in terms of current safety glass regulations and the glass area insured, must be clearly described. 
  • Covers loss of money and other property, stolen by an insured employee.
  • The main items NOT covered by this insurance are direct financial losses which occur more than 24 months prior to the discovery, losses resulting from or contributed to by any partner, principal or any employee from the time that you are aware of fraud or dishonesty, nor resulting from dishonest manipulation, input, destruction, suppression or alteration of any computer program, system, data or software.
  • The sum insured is selected to suit your maximum exposure and is not subject to underinsurance.
  • Covers accidental loss or damage to items insured, anywhere in the world. 
  • The main items NOT covered by this insurance, are losses resulting from wear, tear or gradual deterioration, mechanical, electrical or electronic breakdown, failure or derangement, cash & currency notes and loss or damage by theft from unattended motor vehicles, unless securely locked or, the vehicle itself is housed in a securely locked building, is subject to Forcible and Violent entry.
  • Cover is provided for damages that you become legally liable to pay, consequent upon accidental death of or bodily injury to or illness of any person, or accidental loss of or damage to their property, occurring within the territorial limits, during the period of insurance, in the course of, or in connection with the business of your organisation/association.
  • The main items NOT covered by this insurance are liability for injury to any person employed by you, or under contract of service or apprenticeship, and arising from and in the course of such employment, damage to property belonging to the insured or in the custody or control of the Insured, or any employee liability consequent upon injury or damage caused by or through the ownership possession or use by or on behalf of the insured of any mechanically propelled vehicle or trailer.
  • The sum insured under a Public Liability policy is referred to as a “Limit of Indemnity” and is selected on a maximum exposure requirement.
  • Covers death or injury caused by accidental, violent, external and visible means.
  • The main items NOT covered by this insurance are persons while travelling by air, other than as a passenger, suicide or intentional injury as a result of alcohol, drugs or narcotics, pregnancy childbirth, abortion, miscarriage, or whilst a person is engaging in motor cycling, racing of any kind, mountaineering, winter sports, hang gliding and professional football.
  • The sum insured is based either on the annual income of those insured by this section or on a selected cover requirement.
  • Covers death or injury caused by accidental, violent, external and visible means.
  • The main items NOT covered by this insurance are persons while travelling by air, other than as a passenger, suicide or intentional injury as a result of alcohol, drugs or narcotics, pregnancy childbirth, abortion, miscarriage, or whilst a person is engaging in motor cycling, racing of any kind, mountaineering, winter sports, hang gliding and professional football.
  • Covers computers and licensed software in the event of loss or damage.
  • The main items NOT covered by this insurance are loss or damage recoverable in terms of a maintenance agreement, wear, tear and gradual deterioration, scratching, consequential loss, theft, unless by Forcible & Violent entry into or exit from the premises, theft from a motor vehicle unless the vehicle is in a securely locked garage, or the items are contained in a locked boot, or concealed compartment of a vehicle.
  • The sum insured is based on the current replacement cost of the hardware, software & accessories.
  • COMPREHENSIVE insurance covers loss or damage to your vehicle as a result of accident, fire, theft and hijack and includes third party liability, passenger liability and medical expenses.
  • THIRD PARTY FIRE & THEFT insurance covers fire, theft and hijack and third party liability, passenger liability and medical expenses.
  • THIRD PARTY ONLY insurance covers only third party liability, passenger liability and medical expenses.
  • The main items NOT covered by this insurance are consequential losses, damage to tyres by application of brakes or by road punctures, cuts or bursts, damage to springs/shock absorbers due to inequalities in the road surface, drivers under the influence of alcohol or drugs, a driver not legally licensed to drive, or the use of a vehicle that is not in accordance with the description of use.  
  • The sum insured is based on the present retail value of the vehicle, inclusive of all accessories and VAT.
  • Provides compensation if you cannot trace amounts owed because your financial records are lost or destroyed following an incident covered under your CMEC Buildings & Contents, CMEC Office Contents or CMEC Fire section of the policy.
  • The main items NOT covered by this insurance, are losses resulting from records lost or damaged as a result of wear, tear, gradual deterioration, moths, vermin, electrical or electronic disturbance, or erasure, or caused by fraud or dishonesty of an employee.
  • Covers your organisation's goods while being transported.
  • The main items NOT covered by this insurance, are losses resulting from wear, tear or gradual deterioration, inherent vice or defect, vermin, insects, damp, mildew or rust.
  • The sum insured is selected to suit your maximum exposure and is not subject to underinsurance.


 

  • Covers accidental physical loss or damage which and are not insurable under any other policy section.
  • The main items NOT covered by this insurance, are losses resulting from denting, chipping, cracking, altering, cleaning, repair, breakdown, electrical, electronic or mechanical derangement.
  • The sum insured is selected to suit your maximum exposure and is not subject to underinsurance.
  • Covers your organisation/association if you are held legally liable for injuries death or illness, suffered by an employee in the course of their employment.
  • The main items NOT covered by this insurance are liability assumed under contract, undertaking or agreement, fines, penalties, punitive or vindictive or from judgments delivered.
  • Covers perils such as fire, lightning, explosion, malicious damage, storm, flood,  earthquake, aircraft and other aerial device or articles dropped there from, bursting or overflowing of water tanks, apparatus, pipes, impact by any road or rail vehicle, horse, cattle or falling trees, damage resulting from housebreaking and theft.
  • The main items NOT covered by this insurance are loss or damage to gates and fences caused by storm or flood, or as a result of wear and tear and maintenance related damage.
  • The sum insured is based on the current cost to rebuild, repair or replace the buildings.
  • Covers loss or damage to the contents caused by fire, lightning, explosion, earthquake, malicious damage, storm, flood, aircraft and other aerial device or articles dropped there from,  bursting or overflowing of water tanks, apparatus or pipes, theft or any attempt thereat but theft from outbuildings and/or unoccupied buildings is subject to forcible and violent entry or exit from such buildings, impact by any road or rail vehicle or articles dropped there from, horses, cattle and falling trees.
  • The main items NOT covered by this insurance are theft of money, theft from the dwelling while let, lent or sub-let, unless there is violent and forcible entry to the building, loss or damage to motor vehicles, caravans, trailers, air and water craft or any amount in excess of one third of the household goods sum insured for the total value of precious metals and stones, jewellery, furs, rugs and carpets.
  • The sum insured is based on the current cost to repair or replace the entire contents of all buildings.
  • Covers wearing apparel and personal effects normally carried or worn by you and items specifically insured.
  • The main items NOT covered by this insurance are as a result of wear, tear or gradual deterioration, mechanical, electrical or electronic breakdown not accompanied by other damage, loss or damage caused by vermin, moths, or gradually operating causes, property insured lost from unattended motor vehicles, unless the vehicle is securely locked or the vehicle itself is housed in a securely locked building and the loss is subject to forcible and violent entry.
  • Covers death or injury caused by accidental, violent, external and visible means.
  • The main items NOT covered by this insurance are persons whilst travelling by air, other than as a passenger, suicide or intentional injury as a result of alcohol, drugs or narcotics, pregnancy childbirth, abortion, miscarriage, or whilst a person is engaging in motor cycling, racing of any kind, mountaineering, winter sports, hang gliding and professional football.
  • The sum insured is based on a selected cover requirement.
  • Covers you in the event of legal liability to pay compensation in respect of death of or bodily injury to or illness of any person. loss of or damage to property, occurring anywhere in the world during the period of your policy.
  • The main items NOT covered by this insurance are liability for death or bodily injury to any person employed by you, or a member of your household, liability assumed under contract or agreement and from the use of aircraft or watercraft and from any profession or business.
  • The sum insured under a Public Liability policy is referred to as a “Limit of Indemnity” and is selected on a maximum exposure requirement.

For further assistance or queries, please contact one of our Team at:

Leigh Group
No 6 Abrey Road, Kloof 3610
PO Box 1051, Kloof, 3640
Telephone – 031 746 5867
Facsimile – 031 764 6533
E-mail –

Keywords: Insurance, Insurance Cover, Theft