All Risks

Cover that travels with your equipment instead of stopping at the door.

What All Risks covers

Your equipment doesn't stay put, so your cover shouldn't either. All Risks protects your business equipment against accidental loss or damage away from your premises, on a client site, in transit or at a venue. You choose the territory for each item you list, United Kingdom or European Union, so the cover matches where that piece of equipment actually goes. If it's lost, stolen or damaged, we put it right so the work carries on. It's the cover you want if you work off-site or across multiple locations.

Territory you choose

United Kingdom or European Union, picked per item.

In transit

On the move and at temporary locations.

New-for-old

Most items replaced new for old.

Hired-in equipment

Optional cover for equipment you hire in.

High-value items

Listed individually for full replacement value.

Reinstated cover

Restored after a claim for the rest of the year.

This is a summary of cover. See the FAQ for what's not covered.

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All Risks in the real world

A few everyday situations where the cover steps in.

A photographer's camera is knocked off a table and smashed on a shoot.

Accidental damage to specified equipment is covered anywhere in the territory you chose for it, so the gear is repaired or replaced and the next booking goes ahead.

A tradesperson's tools are stolen from their van after a break-in.

Theft following forced entry to the vehicle is covered, so the tools are replaced and you're back on the job, provided the van was properly secured.

A box of AV equipment is damaged in transit to an event.

Cover travels with your equipment in transit and at temporary venues, so a mishap on the way doesn't leave you short on site.

Built for businesses like yours

If your equipment leaves the premises for client sites, events, vehicles or other locations, All Risks covers it there, in the territory you choose for each item.

Tradespeople with portable toolsPhotographers & videographersMobile therapists & techniciansEvent & exhibition businessesSurveyors & site engineersAV & production crewsAnyone working across sitesBusinesses shipping equipment in transit

What All Risks gives you

Cover that travels with your equipment

Specified equipment is protected against accidental loss or damage on a client site, in transit or at a venue, within the territory you pick for it.

Beyond the four walls

Where Business Contents stops at your premises, All Risks keeps going, the right cover when your work, and your equipment, won't stay in one place.

Back in action, fast

Most items are replaced new-for-old, with optional cover for hired-in equipment, so a loss off-site doesn't stop the job you're standing on.

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Part of your package

All Risks comes bundled in these packages, or build your own.

Scaler

Established teams with premises

Full liability, property and cyber cover for stock, equipment and high-value assets.

Policies included in this package:

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The words explained

A quick guide to the insurance terms on this page.

Cover for accidental loss or damage to your specified items away from your premises as well as at them, within the territory you choose for each one. It responds to any sudden cause unless it's specifically excluded.

A piece of equipment listed individually on your policy with its own value, so a claim pays out for the right amount.

Where your cover applies. You set it per specified item: your premises only, or away from them across the United Kingdom or the European Union, to match where that equipment actually goes.

Putting a damaged item right by repairing it, or replacing it with one of similar kind and quality, not better than new.

Insuring an item for less than its full value. If you do, a claim on that item is reduced in proportion, and each item is judged separately.

While your equipment is being moved between locations. All Risks covers it on the move, where Business Contents stops at the premises.

Questions, answered

Business Contents covers your equipment and stock at your premises. All Risks covers accidental loss or damage wherever your items are: off-site, in transit or away at a venue. Many businesses hold both.

You choose the territory for each item you list: United Kingdom, or European Union. If your equipment travels, tell us where it goes when you get a quote and we'll set the territory accordingly.

Higher-value items are usually specified individually so they're covered for the right amount, while lower-value equipment can often be covered as an unspecified total. We'll walk through it when you get a quote.

All Risks covers sudden, accidental loss or damage. A few things sit outside it:

Wear and tear or gradual deterioration.
Mechanical or electrical breakdown. Separate cover is available.
Theft from an unattended vehicle between 6am and 9pm, unless someone forced their way in.
Theft between 9pm and 6am, unless the equipment was inside a locked building or with you.
Loss of data or the work on a device. That's Cyber.
Damage to equipment left outdoors by wind, rain or flood.

Get covered before you need it.

One application covers All Risks alongside the other modules you need, and caremate™ returns your package and price in minutes. Sort it now, so the next bad day is a claim you make, not a bill you swallow.

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