to buildings including all the fixtures and fittings by fire & all associated
perils such as floods, earthquake, riot/strike & explosion.
to your household property in case of fire & associated perils.
effects for fire, theft, and all risk with and out of your premises.
servants in case of Death or injury in the course of their work (as per the
liabilities to third parties in case of death or injury while at your premises
and you are found negligent as the owner or occupier of the premises.