Property — Other Damage

What this cover does

Class 9 — Other Damage to Property — sits alongside Class 8 in Annex I of the Solvency II Directive. Where Class 8 deals with the catastrophic perils (fire, storm, natural forces), Class 9 covers the broader spread of property loss causes that businesses face every day: theft, accidental damage, hail, frost, and other named or all-risks perils.

Together, Classes 8 and 9 form what the regulatory framework groups as Insurance against Fire and other Damage to Property — the standard combined-property authorisation that most commercial insurers operate under.

Perils typically covered

• Theft — burglary, robbery, hold-up, and employee theft (as defined and scheduled)
• Hail and frost — particularly relevant for agricultural, viticultural, and outdoor-stored risks
• Accidental damage — sudden, unintended, and unforeseen physical damage to insured property
• Water damage — escape of water from tanks, pipes, apparatus, and sprinkler leakage
• Impact damage — vehicles, aircraft, falling trees, and other external impact
• Vandalism and malicious damage — including riot and civil commotion where scheduled
• Glass and signage breakage — fixed glass and external signage as agreed

Who it's for

Canterbury writes Class 9 cover, typically in combination with Class 8, for a range of commercial property risks including:

• Retailers and stock-holding businesses with theft exposure
• Manufacturers and processors with valuable plant, machinery and finished goods
• Property portfolios where accidental damage and water perils are material
• Specialist locations — hotels, restaurants, leisure venues, healthcare facilities
• Outdoor and seasonal businesses exposed to hail and frost

How we structure it

Most commercial property programmes are written on an all-risks basis combining Class 8 and Class 9 perils, with named exclusions rather than named inclusions. We offer both approaches — wider all-risks cover where appropriate, and narrower named-peril structures where they fit the broker's distribution and the client's risk appetite.

Loss prevention partnership

Class 9 perils — particularly theft and water damage — are heavily influenced by housekeeping, security investment, and management discipline. We work with brokers and risk managers on the loss-prevention recommendations that bring premiums down and keep losses out of the book over time.