Commercial All Risks

What cover does this policy provide?: This policy covers loss or damage to insured property as may be caused by fire, theft and or accident/misfortune as long as the cause is not excluded specifically by policy terms.
Would this policy cover property of any kind?: No ? the policy is designed to cover office equipment of any kind and other portable items.
What factors do you consider to arrive at applicable premium?: They include but not limited to; The sum insured The nature of equipment The territorial limit Whether cover is standard or non-standard.