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:
8.Commercial buildings,
9.Industries,
10.Private dwelling premises,
11.Goods in trade,
12.Domestic or business property.