|Type of Insurance||What is covered|
|Fire||Loss to the Building. Perils as per Standard Fire & Special Perils Policy including Earthquake Risk.
Loss to the Contents (Stock in Trade & FFF). Perils as per Standard Fire & Special Perils Policy including Earthquake.
|House Breaking||Loss/damage to contents (excluding Money and Valuables) by Housebreaking excluding where any partner or any employee of the insured or member of the insured family is concerned as principal or accessory.|
|Money||(A) Loss of money due to any accident or misfortune between any two places within a radius of 25 Kilometers from the insured shop whilst in the hands of the insured &/or his authorized employees.|
|(B) Cash in safe / Steel cupboard / Steel Cash Box under lock & key due to housebreaking.|
|(C) Cash in till / Counter during business hours following assault &/or violence &/or threat|
|Pedal Cycle||Loss/damage to pedal cycle as per Standard Fire & Special Perils Policy includinghousebreaking or theft.
Legal liability Rs.10, 000/- (Third party accidental death or bodily injury & accidental damage to property)
|Plate Glass||Accidental breakage to fixed plate glass (Plain & ordinary glaze quality) in the insured building.
Note: Damage to framework & other than plain glass such as embossed, silvered ornamental etc. can also be covered provided specifically declared.
|Neon Sign||Loss or damage to Neon sign (glow sign by accidental external means.Fire, lightning external explosion.|
|Baggage||Loss/Damage to personal baggage of the Insured and accompanied baggage related to the trade.|
|Personal Accident||Death or bodily injury by accidental violent, external & visible means to self & employees up to 10 times the annual salary. (Age group 16 to 65 years should only be insured
Medical benefit extension at additional premium.
Weekly compensation for TTD while hospitalization.
|Fidelity Guarantee||Direct pecuniary loss caused by Act of Fraud or dishonesty (Forgery, embezzlement, larceny) by the employees of insured.|
|Electronic Equipment Insurance||Electronic Equipment including Personal computers, CCTV and related equipments.|
|Break Down - Electrical Appliances||Break down of appliances installed in the shop such as AC, Refrigerator etc.|
|Public Liability||Legal liability of the Insured to the public for bodily injury or accidental death– Rs.2,50,000/-|
|Liability of Employers(Workmen Compensation)||Legal liability of Insured to his employees as per WC Act.|
|Business Interruption||Loss in respect of following items:
- Loss of Gross Income
- Expenses towards
- charge of Accountant