Section I - Material Damage
This section of the insurance covers the contract works (Buildings, Plant and Machinery) of the Insured against any unforeseen and sudden physical loss or damage from any cause e.g. fire, lightning, collapse, collision, impact, malicious damage, theft/ burglary, flood, windstorm and most form of accidental damage unless specifically excluded.

Section II - Third Party Liability
This section of the insurance covers the liability of the Insured against any liability in respect of third party bodily injury or property damage arising out and in the course of the construction works.

In case of plant and machinery, the policy can be extended to cover testing and expires after the first test operation or test loading is completed, or after taking over or expiry date of the policy whichever shall be earlier.