This policy will indemnify the insured against the loss of or damage to the property insured arising from fire as well as from allied perils such as earthquake, explosion, riot and strike, malicious damage, Special perils A-H, etc.

Loss destruction or damage to the property described in the schedule or any part thereof directly by any of the undermentioned perils:-

• FIRE, LIGHTNING, EXPLOSION but excluding loss or damage to boilers, economizer or other vessels, machinery or apparatus in which pressure is used, or their contents resulting from their explosion.
• EARTHQUAKE
• STORM AND TEMPEST, FLOOD, BURSTING OR OVERFLOWING OF WATER TANKS, APPARATUS OR PIPES ( excluding the first Kshs. 500/- of each claim).
• AIRCRAFT AND OTHER AERIAL DEVICES AND/OR ARTICLES DROPPED THEREFROM.
• IMPACT with any of the said building insured under this Policy and/or any walls, gates and fences around and pertaining thereto by any road vehicles, horses or cattle not belonging to or under the control of the Insured, his agent or servant thereto by any road vehicles, horses or cattle not belonging to or under the control of the Insured, his agent or servant.
• SUBTERRANEAN FIRE.
• RIOT AND STRIKE which for this insurance shall mean: –

The Act of any person taking part together with others in any disturbances of the public peace (whether in connection with a strike or lock-out or not) not being directly or indirectly connected with any of the following occurrences, namely: –

War, invasion, an act of foreign enemy, hostilities or warlike operations (whether war be declared or not), civil war, Mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, insurrection, rebellion, revolution, military or usurped power, or any act of any person acting on behalf of or in connection with any organization with activities directed towards the overthrow by force of government de jure or de facto to the influencing of it by terrorism or violence.