Overview 
 
Shop in today's world is most important point of sale open round the clock to keep ahead of competition, win customers, handle staff & manage the business. We also know you have little time to think about managing the risks involved. Nevertheless, your business does carry risks. That is why we have tailor made an insurance solution to carter to most of shops' insurance requirements.

Who can buy? 
 
This policy provides insurance for all kinds of shops:

• Mom-and-pop shop
• Convenience stores
• Shopping Malls

Cover Includes 
 
Standard Cover

Standard Fire & Special Perils, Earthquake, and Burglary

• Additional in built covers: (At no cost to you)
 - Expense incurred on debris removal up to 1% of claim amount
 - Expense incurred on Architects surveyors and consulting engineers fees up to 3% of claim amount
• Add ons:
 - Terrorism cover
 - Expense incurred on debris removal in excess of 1% of claim amount
 - Expense incurred on Architects surveyors and consulting engineers fees in excess of 3% of claim amount
 - Additional expense of rent for an alternative accommodation
 - Loss of rent

Optional Covers

• Money
 - Money in Safe
 - Money in Transit
 - Money in till / at counter
 - ATM Withdrawal Protection
• Plate Glass & Neon Signboard
• Electronic Equipment
• Machinery Breakdown
• Portable Equipment
• Baggage
• Personal Accident
• Fidelity Guarantee of employees
• Public Liability
• Workmen's compensation
• Tenant's Legal Liability
• Purchase Protection
• Business Interruption

Exclusions 
 
Some Exclusion besides the deductible for respective sections

Standard fire & Special peril
Loss destruction or damage caused by:
• War or war like operations
• Ionizing radiations, contaminations by radioactive, nuclear fuels & waste
• Pollution or contaminations losses
• Losses of earnings or loss of Market

Burglary
Loss, Destruction or damage caused by:

• Fire, explosions
• Inmates or member of the insured households or business staff

Money
Loss caused by:

• Collusion by any employee or agent of the Insured
• Use of Keys or duplicate keys
• Use of counterfeit money

Plate Glass & Neon Signboard
Loss, destruction, or damage caused by:

• Scratches & Cracks
• Whilst removing, replacing or in course of alteration

Electronic Equipment
Loss, destruction, or damage caused by:

• Wear & Tear
• Faults or detects existing at the time of commencement of insurance within the knowledge of insured or his representative

Machinery Breakdown
Loss, destruction or damage caused by:

• Willful act or neglect or gross negligence
• Deterioration or wearing away / out by normal use

Portable Equipment
Loss, destruction or damage caused by:

• Theft
• Cracking, scratching
• Mechanical or electrical derangement/ breakdown
• Theft from any motor vehicle unless such is a fully enclosed vehicle

Baggage
Loss, destruction or damage caused by:

• Mechanical or electrical derangement / breakdown
• Loss of money, travel ticket, traveler's cheque
• Theft of baggage from any motor vehicle unless such is a fully enclosed vehicle

Personal Accident
Liability arising out of:

• Intentional self-injury
• Suicide
• Injury accident under influence of alcoholic beverage

Public Liability
Liability arising out of:

• Willful or intentional non-compliance of any statutory provision
• Fines, penalties, punitive and / or exemplary damages

Workmen's compensation
Liability arising out of or related to

• Employees of the contractor to the insured
• Occupational disease
• Medical expense

In today's world business owners work around the clock to keep ahead of competition, win businesses, handle staff and manage administration. They have little time to think about managing all the risks involved. This policy offers risk solutions suitable to most of business owners "Office" insurance requirements.

Who can buy? 
 
This policy provides insurance for offices. It may include,

• Commercial offices
• Government offices
• ITES and BPO Call Center Offices
• Software Development Office
• Office premises (Outside industrial, manufacturing, warehouse premises)

Insurance Covers Offered:
• Standard Fire and Special Perils Policy
• Fire

Add on Covers
• Earthquake
• Terrorism
• Removal of Debris (in excess of 1% of TSI)
• Architect, Surveyors and consulting engineers fees (in excess of 3% of TSI)
• Loss of Rent (For owner occupied building)
• Insurance of additional expenses of rent for an alternative accommodation

Other Covers
• Burglary
• Money in safe
• Money in Transit (First Loss / Total Loss)
• Public Liability
• Workmen Compensation
• Portable Equipment
• Electronic Equipment
• Machinery Breakdown
• Plate Glass / Neon SignBoard
• Baggage
• Employee Fidelity

For More Details

What is excluded? 
 
Standard Fire and Special Perils Policy
Loss, destruction or damage caused by:

• War or war like operations;
• Ionising radiation, contamination by radioactivity, nuclear fuels or waste;
• Pollution or contamination losses;
• Loss of earnings or loss of market

Burglary
Loss, destruction or damage caused by:

• Fire or explosions;
• Inmates or member of the insured's household or business staff;

Electronic Equipments
Loss, destruction or damage caused by:

• Wear and Tear
• Faults or defects existing at the time of commencement of insurance within the knowledge of insured or his representative

Portable Equipments
Loss, destruction or damage caused by / through:

• Process of cleaning, restoring, repairing or deterioration arising from wear and tear, moth vermin, insects or any other gradually occurring cause;
• Detention or confiscation by customs or other authorities;
• Consequential losses or legal liability of any kind.

Machinery Breakdown
Loss, destruction or damage caused by / through:

• Willful act or neglect or gross negligence
• Deterioration or wearing away / out by normal use.

Money
Loss, destruction or damage caused by

• Collusion by any employee or agent of the insured
• Use of keys or duplicate keys.
• Use of counterfeit money;

Plate Glass & Neon Signs
Loss, destruction or damage caused by:

• Scratches and cracks;
• Whilst removing, replacing or in course of alteration.

Workmen's Compensation
Liability arising out of:

• Willful or intentional non compliance of any statutory provision;
• Fines, penalties, punitive and / or exemplary damages

Owing a hotel or restaurant has its unique risks. Your equipment and stock are exposed & concentrated in a small space, and with little security. As one of India's leading private sector general insurance company, we understand these unique needs of coverage. That is why we have tailor made a range of insurance solution to carter to most of hotel & restaurant insurance requirements.

Who can buy? 
 
This policy provides insurance for all kinds of Hotel & Restaurant

Cover Includes: 
 
Standard Cover

Standard Fire & Special Perils Policy

• Additional in built covers: (At no cost to you)
• Expense incurred on debris removal up to 1% of claim amount
• Expense incurred on Architects surveyors and consulting engineers fees up to 3% of claim amount

Add ons:
• Earthquake
• Terrorism cover
• Expense incurred on debris removal in excess of 1% of claim amount
• Expense incurred on Architects surveyors and consulting engineers fees in excess of 3% of claim amount
• Additional expense of rent for an alternative accommodation
• Loss of rent

Optional Covers

• Burglary
• Money
• Money in Safe
• Money in Transit
• Money in till / at counter
• ATM Withdrawal Protection
• Plate Glass & Neon Signboard
• Electronic Equipment
• Machinery Breakdown
• Portable Equipment
• Baggage
• Personal Accident
• Fidelity Guarantee of employees
• Public Liability
• Food & Beverage rider
• Extra Facility rider
• Care, Custody and Control rider
• Act of God rider
• Workmen's compensation
• Tenant's Legal Liability
• Purchase Protection
• Business Interruption

Exclusions 
 
Some Exclusion besides the deductible for respective sections

Standard fire & Special peril

Loss destruction or damage caused by:

• War or war like operations
• Ionizing radiations, contaminations by radioactive, nuclear fuels & waste
• Pollution or contaminations losses
• Losses of earnings or loss of Market

Burglary

Loss, Destruction or damage caused by:

• Fire, explosions
• Inmates or member of the insured households or business staff

Money

Loss caused by:

• Collusion by any employee or agent of the Insured
• Use of Keys or duplicate keys
• Use of counterfeit money

Plate Glass & Neon Signboard

Loss, destruction, or damage caused by:

• Scratches & Cracks
• Whilst removing, replacing or in course of alteration

Electronic Equipment

Loss, destruction, or damage caused by:

Wear & Tear
• Faults or detects existing at the time of commencement of insurance within the knowledge of insured or his representative

Machinery Breakdown

Loss, destruction or damage caused by:

• Willful act or neglect or gross negligence
• Deterioration or wearing away / out by normal use

Portable Equipment

Loss, destruction or damage caused by:

• Theft
• Cracking, scratching
• Mechanical or electrical derangement/ breakdown
• Theft from any motor vehicle unless such is a fully enclosed vehicle

Baggage

Loss, destruction or damage caused by:

• Mechanical or electrical derangement / breakdown
• Loss of money, travel ticket, traveler's cheque
• Theft of baggage from any motor vehicle unless such is a fully enclosed vehicle

Personal Accident

Liability arising out of:

• Intentional self-injury
• Suicide
• Injury accident under influence of alcoholic beverage

Public Liability

Liability arising out

• Willful or intentional non-compliance of any statutory provision
• Fines, penalties, punitive and / or exemplary damages

Workmen's compensation

Liability arising out of or related to:

• Employees of the contractor to the insured
• Occupational disease
• Medical expense

In today's world business owners work around the clock to keep ahead of competition, win businesses, handle staff and manage administration. They have little time to think about managing all the risks involved. This policy offers risk solutions suitable to most of small enterprises "All" insurance requirements.

Who can buy? 
 
This policy provides insurance for a host of risks. It may include,

• Industrial Manufacturing Units
• Other Trading Units
• Insurance Covers Offered:
• Standard Fire and Special Perils Policy
• Fire
• Add on Covers
 - Earthquake
 - Terrorism
 - Removal of Debris (in excess of 1% of TSI)
 - Architect, Surveyors and consulting engineers fees (in excess of 3% of TSI)
 - Loss of Rent (For owner occupied building)
 - Insurance of additional expenses of rent for an alternative accommodation

Other Covers

• Burglary (First Loss / Total Loss)
• Money in safe
• Money in Transit (First Loss / Total Loss)
• Public Liability
• Workmen Compensation
• Portable Equipment
• Electronic Equipment
• Machinery Breakdown
• Plate Glass / Neon SignBoard
• Baggage
• Employee Fidelity

For More Details

What is excluded? 
 
Standard Fire and Special Perils Policy
Loss, destruction or damage caused by:

• War or war like operations;
• Ionising radiation, contamination by radioactivity, nuclear fuels or waste;
• Pollution or contamination losses;
• Loss of earnings or loss of market

Burglary
Loss, destruction or damage caused by:

• Fire or explosions;
• Inmates or member of the insured's household or business staff;

Electronic Equipments
Loss, destruction or damage caused by:

• Wear and Tear
• Faults or defects existing at the time of commencement of insurance within the knowledge of insured or his representative

Portable Equipments
Loss, destruction or damage caused by / through:

• Process of cleaning, restoring, repairing or deterioration arising from wear and tear, moth vermin, insects or any other gradually occurring cause;
• Detention or confiscation by customs or other authorities;
• Consequential losses or legal liability of any kind.

Machinery Breakdown
Loss, destruction or damage caused by / through:

• Willful act or neglect or gross negligence
• Deterioration or wearing away / out by normal use.

Money
Loss, destruction or damage caused by

• Collusion by any employee or agent of the insured
• Use of keys or duplicate keys.
• Use of counterfeit money;

Plate Glass & Neon Signs
Loss, destruction or damage caused by

• Scratches and cracks;
• Whilst removing, replacing or in course of alteration.

Workmen's Compensation:
Liability arising out of:

• Willful or intentional non compliance of any statutory provision;
• Fines, penalties, punitive and / or exemplary damages

For More Details

Overview 
 
Running a school or an institute is a good cause to society but it has many risks attached with it. A simple accident such as fire can quickly destroy everything you have set up or a simple accident to student can malign your hard-earned goodwill, unless you have adequate protection. That is why we have tailor made a range of insurance solution to carter to most of the educational institutions insurance requirements.

Who can buy? 
 
• School
• College
• Coaching Institute
• Technical Institute

Cover Includes 
 
Standard Cover

Standard Fire & Special Perils, Earthquake, and Burglary

• Additional in built covers: (At no cost to you)
 - Expense incurred on debris removal up to 1% of claim amount
 - Expense incurred on Architects surveyors and consulting engineers fees up to 3% of claim amount

• Add ons:
 - Earthquake
 - Terrorism cover
 - Expense incurred on debris removal in excess of 1% of claim amount
 - Expense incurred on Architects surveyors and consulting engineers fees in excess of 3% of claim amount
 - Additional expense of rent for an alternative accommodation
 - Loss of rent

Optional Covers

• Burglary

• Money
 - Money in Safe
 - Money in Transit
• Plate Glass & Neon Signboard
• Electronic Equipment
• Machinery Breakdown
• Portable Equipment
• Baggage
• Group Personal Accident
• Fidelity Guarantee of employees
• Public Liability
• Workmen's compensation

Exclusions 
 
Some Exclusion besides the deductible for respective sections

Standard fire & Special peril
Loss destruction or damage caused by:

• War or war like operations
• Ionizing radiations, contaminations by radioactive, nuclear fuels & waste
• Pollution or contaminations losses
• Losses of earnings or loss of Market

Burglary

Loss, Destruction or damage caused by:
• Fire, explosions
• Inmates or member of the insured households or business staff

Money
Loss caused by:

• Collusion by any employee or agent of the Insured
• Use of Keys or duplicate keys
• Use of counterfeit money

Plate Glass & Neon Signboard
Loss, destruction, or damage caused by:

• Scratches & Cracks
• Whilst removing, replacing or in course of alteration

Electronic Equipment
Loss, destruction, or damage caused by:

• Wear & Tear
• Faults or detects existing at the time of commencement of insurance within the knowledge of insured or his representative

Machinery Breakdown
Loss, destruction or damage caused by:

• Willful act or neglect or gross negligence
• Deterioration or wearing away / out by normal use

Portable Equipment
Loss, destruction or damage caused by:

• Theft
• Cracking, scratching
• Mechanical or electrical derangement/ breakdown
• Theft from any motor vehicle unless such is a fully enclosed vehicle

Baggage
Loss, destruction or damage caused by:

• Mechanical or electrical derangement / breakdown
• Loss of money, travel ticket, traveler's cheque
• Theft of baggage from any motor vehicle unless such is a fully enclosed vehicle

Group Personal Accident
Liability arising out of

• Intentional self-injury
• Suicide
• Injury accident under influence of alcoholic beverage

Public Liability
Liability arising out:

• Willful or intentional non-compliance of any statutory provision
• Fines, penalties, punitive and / or exemplary damages

Workmen's compensation
Liability arising out of or related to

• Employees of the contractor to the insured
• Occupational disease
• Medical expense

Cooperative Housing societies are entrusted with managing the affairs as per guidelines of the Cooperative Societies Act and additionally handling staff and managing administration. This policy offers risk solutions suitable to most of housing societies' insurance requirements.

Bye-Laws of Co-operative Housing Society, Maharashtra state, Section XVII / 161- states, "The Society shall insure its building/buildings necessarily against risk of fire and earthquake."

Who can buy? 
This policy provides insurance for Housing Societies. It may include,

• Residential Housing Society
• Employee/Staff Housing Society

Insurance Covers Offered:

Standard Fire and Special Perils Policy

• Fire

• Add ons:
 - Earthquake
 - Terrorism
 - Removal of Debris (in excess of 1% of TSI)
 - Architect, Surveyors and consulting engineers fees (in excess of 3% of TSI)
 - Loss of Rent (For owner occupied building) 
 - Insurance of additional expenses of rent for an alternative accommodation

Optional Covers

• Burglary
• Money in Safe
• Public Liability
• Workmen's compensation

For More Details

 
What is excluded?

Standard fire & Special peril
Loss destruction or damage caused by:

• War or war like operations
• Ionizing radiations, contaminations by radioactive, nuclear fuels & waste
• Pollution or contaminations losses
• Losses of earnings or loss of Market

Burglary
Loss, Destruction or damage caused by:

• Fire, explosions
• Inmates or member of the insured households or business staff

Money
Loss caused by:

• Collusion by any employee or agent of the Insured
• Use of Keys or duplicate keys
• Use of counterfeit money

Workmen's compensation
Liability arising out of or related to

• Willful or intentional non compliance of any statutory provision;
• Fines, penalties, punitive and / or exemplary damages

For More Details