Office Package Insurance Policy

  • Buy Office Package Insurance Policy in India

Do you find taking different policies for different perils as tiresome exercise?? And wish there should be one policy wherein you can get single policy for different kind of risks and that too with option to choose which cover you want to take and which not. Office Package Insurance Policy provides a comprehensive cover for office establishments and brings to you the flexibility to design the  policy  as  per  your needs. Office Package Insurance Policy allows you to choose the covers that you may require to protect your property and manpower, all with the convenience of a single policy.

Scope of cover

  • Fire and special perils:Building and contents – Covers the loss or damage to the building and/or contents caused by the risks of fire, lightning, explosion/implosion, aircraft damage, riot, strike and malicious damage, storm, cyclone, typhoon, tempest, hurricane, tornado, flood And inundation, impact damage, subsidence and landslide including rock slide, bursting and/ or overflowing of water tanks, apparatus and pipes, missile testing operations, leakage from automatic sprinkler installations, bush fire, earthquake (optional), terrorism (optional).
  • All Risks Insurance Covers Loss or damage to functional equipments like computers, industrial equipments etc and non-functional equipments like laptops etc. against fire, riot and strike, terrorist activity, theft, accident, any of which arising from any fortuitous cause.
  • Burglary and Housebreaking:Provides protection against the loss or damage to the building and/or contents due to the risks of burglary and/or housebreaking.
  • Business interruption (fire loss of profit):Provides cover against the loss of income following the loss or damage by standard fire and special perils.
  • Electrical and mechanical appliances:Protects electrical and mechanical appliances in the office premises against any accidental mechanical or electrical breakdown of such appliances.
  • Electronic Equipments:Protects electronic equipment’s in the office premises against any losses or damages caused by any unforeseen and sudden physical events.
  • Portable equipment:Covers the loss or damage to portable equipment’s like laptops by fire, riot and strike, theft or any accidental external means or from any fortuitous causes.
  • Money (money in transit /money in safe / money in counter):In business, transferring the money from one place to another often causes anxiety for everyone. Losses during-money in transit between the insured premises and specified bank and vice versa, money in safe, money in counter are covered.
  • Public liability:Any claims arising out of the third parties bodily injury or property damage occurring in your premises will be covered.
  • Workmen compensation:Protects you from the liability towards your workmen under the Workmen Compensation Act, fatal accidents act and at Common Law.
  • Group Health / Group Health (Floater) Covers – reimbursement of hospitalization expenses incurred for diseases contracted or injuries sustained in India. Medical expenses up to 30 days for Pre – hospitalization and up to 60 days for post – hospitalization are also admissible.
  • Critical Care Insurancecovers the employees or the students against the nine critical illnesses.
  • Personal accident:Covers you or your employees, in case of Accidental Death, Permanent Total Disablement, and Permanent Partial Disablement up to specified limits.
  • Neon sign / glow sign:Covers accidental damage to neon sign / glow sign by fire, lightening, external explosion, theft, riots, strike and natural calamities, accidental external means.
  • Fixed plate glass:Covers accidental damages to fixed plate glass, frames, and frameworks.
  • Baggage:Covers accidental loss of your personal baggage while traveling anywhere in India beyond 25 km radius of the insured premises.
  • Infidelity / dishonesty of employee:Employees are our greatest assets. Yet you face instances where your employees cheat you. Any direct loss caused by acts of frauds committed by any salaried employee in the insured premises are covered

Major Exclusions

  • Loss or damage caused by depreciation or wear and tear.
  • Consequential losses.
  • Loss or damage to property by pollution or contamination.
  • War and nuclear perils.

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