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Multi-risk insurance

Protection for properties and business activities.

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Multi-risk insurance
ALPE · INSURANCE ADVICE

Coverages and options to consider

These topics come from ALPE’s original insurance pages. We can review them with you; availability, limits, exclusions and prices depend on the insurer and the specific policy.

Fire and related risks

For material damage, distinguish the assets insured, their rebuilding or replacement value, accepted causes of loss and any additional expenses. What is being assessed? This section concerns “Fire and related risks”. When comparing quotations, identify the events that would activate the benefit and the supporting documents that may be required. What varies between policies? Check whether it is included, optional or excluded, and review applicable limits, sublimits, excesses, waiting periods and exclusions. What should you ask ALPE? Explain your circumstances and request a written comparison of the scope, conditions of use, insured amounts and claims procedure. Only the actual policy wording defines the cover.

When reviewing this insurance, start with Fire and related risks, Water damage and leak detection and Electrical damage. Considering these points helps compare alternatives and select the protection that fits your circumstances.

Information adapted from ALPE’s historical product pages; subject to review and current policy terms.
Water damage and leak detection

For material damage, distinguish the assets insured, their rebuilding or replacement value, accepted causes of loss and any additional expenses. What is being assessed? This section concerns “Water damage and leak detection”. When comparing quotations, identify the events that would activate the benefit and the supporting documents that may be required. What varies between policies? Check whether it is included, optional or excluded, and review applicable limits, sublimits, excesses, waiting periods and exclusions. What should you ask ALPE? Explain your circumstances and request a written comparison of the scope, conditions of use, insured amounts and claims procedure. Only the actual policy wording defines the cover.

When reviewing this insurance, start with Fire and related risks, Water damage and leak detection and Electrical damage. Considering these points helps compare alternatives and select the protection that fits your circumstances.

Information adapted from ALPE’s historical product pages; subject to review and current policy terms.
Electrical damage

For material damage, distinguish the assets insured, their rebuilding or replacement value, accepted causes of loss and any additional expenses. What is being assessed? This section concerns “Electrical damage”. When comparing quotations, identify the events that would activate the benefit and the supporting documents that may be required. What varies between policies? Check whether it is included, optional or excluded, and review applicable limits, sublimits, excesses, waiting periods and exclusions. What should you ask ALPE? Explain your circumstances and request a written comparison of the scope, conditions of use, insured amounts and claims procedure. Only the actual policy wording defines the cover.

When reviewing this insurance, start with Fire and related risks, Water damage and leak detection and Electrical damage. Considering these points helps compare alternatives and select the protection that fits your circumstances.

Information adapted from ALPE’s historical product pages; subject to review and current policy terms.
Theft and related damage

For material damage, distinguish the assets insured, their rebuilding or replacement value, accepted causes of loss and any additional expenses. What is being assessed? This section concerns “Theft and related damage”. When comparing quotations, identify the events that would activate the benefit and the supporting documents that may be required. What varies between policies? Check whether it is included, optional or excluded, and review applicable limits, sublimits, excesses, waiting periods and exclusions. What should you ask ALPE? Explain your circumstances and request a written comparison of the scope, conditions of use, insured amounts and claims procedure. Only the actual policy wording defines the cover.

When reviewing this insurance, start with Fire and related risks, Water damage and leak detection and Electrical damage. Considering these points helps compare alternatives and select the protection that fits your circumstances.

Information adapted from ALPE’s historical product pages; subject to review and current policy terms.
Machinery and equipment breakdown

For material damage, distinguish the assets insured, their rebuilding or replacement value, accepted causes of loss and any additional expenses. What is being assessed? This section concerns “Machinery and equipment breakdown”. When comparing quotations, identify the events that would activate the benefit and the supporting documents that may be required. What varies between policies? Check whether it is included, optional or excluded, and review applicable limits, sublimits, excesses, waiting periods and exclusions. What should you ask ALPE? Explain your circumstances and request a written comparison of the scope, conditions of use, insured amounts and claims procedure. Only the actual policy wording defines the cover.

When reviewing this insurance, start with Fire and related risks, Water damage and leak detection and Electrical damage. Considering these points helps compare alternatives and select the protection that fits your circumstances.

Information adapted from ALPE’s historical product pages; subject to review and current policy terms.
Third-party liability

For liability insurance, examine who may claim, for what loss, the insured activity, limits per occurrence and legal defence costs. What is being assessed? This section concerns “Third-party liability”. When comparing quotations, identify the events that would activate the benefit and the supporting documents that may be required. What varies between policies? Check whether it is included, optional or excluded, and review applicable limits, sublimits, excesses, waiting periods and exclusions. What should you ask ALPE? Explain your circumstances and request a written comparison of the scope, conditions of use, insured amounts and claims procedure. Only the actual policy wording defines the cover.

When reviewing this insurance, start with Fire and related risks, Water damage and leak detection and Electrical damage. Considering these points helps compare alternatives and select the protection that fits your circumstances.

Information adapted from ALPE’s historical product pages; subject to review and current policy terms.
ALPE · INSURANCE ADVICE

How we find the right protection

  1. We listen to your needs
  2. We compare options and terms
  3. We help you choose and arrange cover

Are all these benefits included?

Not necessarily. Coverage, insured amounts, excesses and exclusions depend on your policy terms. Ask for a personalised review before deciding.

Information adapted from ALPE’s historical product pages; subject to review and current policy terms.

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