Theft  

Fire

Natural hazards  

Loss or damage to insured property caused by a third party acting with malicious intent, including theft or robbery involving the use of force. 

Loss or damage to insured property caused by fire, conflagration, burning, smoldering, explosion, or detonation. 

Loss or damage to insured property caused by natural perils such as rain, snow, hail, storms, floods, wildfires, or lightning. 

Electrical Hazard

Далд гэмтлийн эрсдэл

A negligent or deliberate act of a third party  

Loss or damage to insured property caused by high voltage, abnormal or excessive electrical fluctuations, damage or malfunction of switchboards, fuses, distributors, or insulators, or the indirect effects of electric current. 

Газрын тос, нефть бүтээгдэхүүнийг хадгалах саванд гэнэтийн шинжтэйгээр учирсан далд гэмтэл, хөлдөлт, техникийн доголдол болон газрын тос, нефть бүтээгдэхүүний хэвийн биш буюу хэт өндөр даралтаас үүдэн даатгалын зүйлд учирсан хохирол. 

Loss or damage to insured property caused by errors or actions, whether intentional or unintentional, of a third party.