Coverage:

• Fire
• Lightning
• Explosion/ implosion
• Aircraft damage
• Impact damage
• Riots, strike and malicious damage
• Storm, Cyclone, Tempest, Hurricane, Tornado, Flood & Inundation
• Subsidence and Landslide/ Rockslide
• Missile testing operations
• Leakage from automatic sprinkler installations
• Bush Fire

Exclusions:

• Kutcha constructions
• Money and valuables unless specifically mentioned
• Consequential losses of any kind
• War, invasion, act of foreign enemies, hostilities, civil war etc.
• Liability more specifically insured elsewhere
• Ionizing radiation or contamination by radioactivity from any nuclear fuel

Coverage:

• Loss or damage:
  • To the contents caused by actual or attempted burglary/ robbery (excluding valuables unless specifically declared and insured)
  • To the insured premises including the cost incurred for changing locks at the insured premises resulting from burglary and/ or robbery but limited to 10% of the total sum insured under this section
• Loss of money, by actual or attempted burglary, if it is kept in a safe or strong room when the insured premises are unoccupied.
• Loss of money from the cashier's till and/ or counter caused by robbery in the insured premises

Exclusions:

• Any consequential loss
• Where any member of the Insured's family is involved
• Items covered in other sections
• Burglary from any Safe or Strong Room following the use of a key or any duplicate key unless such key has been obtained by Robbery

Coverage:

• This section will indemnify the Insured for the loss of money in transit to the specified destinations against robbery, theft or any other fortuitous event. Transit for the purpose of this Policy commences with the taking over of the money for the purpose of transit and ends as soon as the money reaches the place of delivery

Exclusions:

• Consequential losses of any kind
• Loss of money carried by anyone other than the Insured or an employee
• Loss of money where the Insured or his employee is or is alleged to be involved
• Money carried under contract of affreightment
• Loss of money from an unattended vehicle
• Loss of money in transit being transported other than as stated in the proposal form or as agreed in writing by the Company
• Any loss not discovered within a period of 72 hours from its occurrence

Coverage:

• Fixed plate glass in the interior of the business premises or the display windows is expensive and is prone to accidental damage
• The Company will indemnify the Insured for:
  • Accidental loss or damage to the Plate Glass at the Insured Premises
  • Reasonable cost of repairing/ reinstating damaged frames and/ or frameworks but subject to a maximum of Rs. 5000 for each and every claim

Coverage:

• The Company will indemnify the Insured for :
  • Loss or damage to Neon Sign / Glow Sign due to Accidental Means, Fire, Lightning, Storm, Tempest, Typhoon, Hurricane, Tornado, Cyclone, Flood, Inundation, External Explosion, Theft, Riots, Strikes and Malicious Damage

Coverage:

• This is an ALL RISK COVER
• Loss or damage due to any cause other than those specifically excluded are covered
• Damage to External Data Media and the cost of reproduction of lost data stored therein is covered
• Sum insured to be on reinstatement basis
• Basis of Indemnity
• The cover is subject to Excess as follows:
  • The first 10% of the claim amount subject to a minimum of Rs. 2500/- for each and every claim involving computers
  • 5% of the claim amount subject to a minimum of Rs. 1000/- for other equipments
• In case of partial loss, no deduction shall be made for depreciation in respect of parts replaced except those with limited life but the value of salvage will be taken into account
• In case of total loss, the settlement will be subject to depreciation from the replacement value of the insured item

Exclusions:

• Loss or damage for which manufacturer or supplier is responsible
• Normal wear and tear
• Loss or damage caused by willful act or gross negligence of the Insured
• Loss or damage to mobile phone or other similar communication devices
• Pre-existing faults

Coverage:

• This section will indemnify the Insured against his legal liability to pay damages for third party civil claims arising out of bodily injury or property damage caused in the course of the Business by an Accident in the Insured Premises during the Policy Period