A type of property insurance that covers accidental loss or damage to specific movable items from any cause, except those specifically excluded in the policy.

Unlike standard policies that only cover named risks, this covers almost everything unless clearly excluded.

Scope of Cover

• Computers, printers, phones, and other electronics
• Musical instruments
• Sports gear
• Lab equipment
• Staff personal items (optional)
• Furniture

Requirements

• A detailed list of items to be insured with serial numbers.
• The value of each item (receipts or valuation reports are preferred).
• Proof of ownership.