General Property Insurance covers items such as laptop computers, tools of trade whether at, or away from the premises. There are principally two covers available under this section:  §       Accidental damage cover covers any sudden, unexpected       or unforeseen occurrence not otherwise excluded. §       A restricted cover to collision, overturning of the conveying        vehicle and flood.  Fire cover is available as an optional cover.

Each insurance company has their own policy wording, this means that coverage can vary    considerably from one insurer to another.  It is important that you compare each policy based on the appropriateness of cover for your individual business needs.