Miscellaneous Insurance

Cash in a safe, or in transit

This is money insurance for cash, notes, coins, securities, postal orders, stamps, cheques, and similar items. Cash in a safe is covered against burglary while it is locked away. Burglary means someone enters by force. The policy also covers theft and burglary of valuables, including items held in a bank.

• Loss of cash from a locked safe or vault, or while it is being carried
• Theft and burglary
• Force and violence
• Forced entry and exit
• A copied key is not covered

Cash is covered if it is looted, robbed, or stolen during business hours or after them, at gunpoint or by force, on the route named in the policy, such as between the bank and the office.

Product liability

If you sell or make products, you are responsible for their quality and for problems after they are sold. You can be legally responsible if those products harm a customer. This policy covers that risk so the business can keep trading.

• Public liability
• Employers' liability
• Professional indemnity
• Stock
• Business equipment
• Revenue protection
• Business premises

If a product injures a person or damages their property, you may have to pay compensation. This policy pays those costs for you.

Bancassurance

CSIL Bancassurance puts banking and insurance in one place, with a range of products for everyday financial needs.

Other specialty covers

• Disasters and severe weather
• Fidelity guarantee, if a member of staff is dishonest
• Plate glass
• Terrorism (a proposal form is available)
• Performance and mobilization bonds
• Workmen's compensation, if a worker is injured at work
• Third-party liability