This insurance policy covers loss or damage to property caused by:

1. Fire,
2. Lightning,
3. Explosion,
4. Earthquake,
5. Bush fire,
6. Riot and strike,
7. Floods and related perils.

The risk may involve:

1. Commercial buildings,
2. Industries,
3. Private dwelling premises,
4. Goods in trade,
5. Domestic or business property.