Office Package Insurance Policy
Office Package Insurance
Office package provides you complete control of managing all
your risks in office under one policy
Both landlord & tenant can take the policy.
Landlord can take it for both structure & Content.
Tenant can only take it for content.
Easy to manage
Sections covered under House holder Insurance
Workmen
Fire Burglary
Comneation
Machinery
Breakdown
Office
Public package Money in
safe & Transit
Liability
Fidelity All risk
Insurance
Plate Glass Electronic
Neon Sign
Equipment
Coverages
Fire : 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).
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.
Coverages
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.
Electrical and mechanical appliances: Protects electrical and
mechanical appliances in the office premises against any
accidental mechanical or electrical breakdown of such appliances.
Business interruption (fire loss of profit): Provides cover against the
loss of income following the loss or damage by standard fire and
special perils.
Electronic Equipments: Protects electronic equipment’s in the office
premises against any losses or damages caused by any unforeseen
and sudden physical events.
Coverages
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.
Coverages
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.
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.
Add on covers
Expenses for alternative accommodation
Loss of rent
Exclusions
Excess is not payable under the policy.
Under Insurance.
Will full destruction of the policy.
Misinformation provided by the insured.
