This policy provides you with comprehensive insurance protection that is specially designed to meet your business needs.
Fire
Loss or damage to your property insured linked to your trade or business mentioned in the policy schedule brought on by a fire, a lightning strike, or an explosion of gas used for solely household reasons and residential boilers.
Optional Sections as mentioned below:-
a) Fire Consequential Loss
Loss or damage to your property insured under the Fire Section due to fire and/or its specified dangers, including loss of profits, loss of revenue, loss of rental, 100% of earnings or salaries on a payroll basis, and increased cost of labour as a result of business interruption
b) Equipment All Risks
Any loss or damage to your company's equipment, including office supplies and forklifts, that occurs on your property and is caused by a fire, a burglary, an accident, or other circumstances that aren't expressly excluded by the policy.
c) Burglary
Loss of stocks, equipment, and contents due to theft, but only if it is coupled with a forcibly or violent entry into or exit from your property by anyone other than your own personnel, or loss due to an armed robbery or violent robbery that results in damage to the property.
d) Money
Money lost in transit, money stored on your property, and property damage brought on by theft, armed robbery, or forcibly and violent entry into your property
e) Fidelity Guarantee
Monetary and material losses brought on by an employee's dishonesty or fraud. Your employee's fraud or dishonesty must have occurred during the insurance term, be found within the insurance period, and be corrected within six months of the discovery, or within six months of the death, dismissal, or retirement of your relevant employee, whichever occurs first.
f) Plate Glass
Any unintentional harm to your fixed plate glass of any kind, including any writing, painting, or decorating on your property, that is not expressly covered by the insurance.
g) Public Liability
Your responsibility under the law to compensate any third parties that suffer unintentional physical harm or property damage as a result of your negligence or that of your workers.
h) Group Personal Accident
In the case of injury or death brought on by an accident, your insured personnel
i) Keyman Personal Accident
In the event of a fatality or an accident-related permanent disability, your key employee will continue to run the business.
