Not all losses occur at one’s premises; therefore, insurance cover is needed for when one is away from office or home for example, cell phone, golf clubs and laptops, camera, bags and other movable items and gadgets would fall under this section of insurance cover.

Unspecified All Risk – This section covers a variety of items taken out of or away from the business premises that might change from day to day. Therefore, it would be impractical to list them each time cover is required like make up items, items in the tool box and other.

Specified All Risk – Each item insured under this section is specifically listed like valuable gadgets, luxurious spectacles.