Small Business
Coverage
Standard Fire and Special perils
Covers Your property against loss or damage due to Fire Lightning Explosion / Implosion, Aircraft damage, Riot Strike and Malicious damage, Storm cyclone typhoon tempest hurricane tornado flood and inundation, Impact damage due to rail road vehicle or animal not belonging to insured, Subsidence and landslide including rockslide, Bursting and/or overflowing of water tanks apparatus and pipes, Missile testing operations, Leakage from automatic sprinkler installations & Bush Fire.
You may opt for extended covers and / or delete covers as stated below.
Burglary
Covers all contents (covered under Standard Fire & Special perils) against Burglary or Housebreaking (theft following upon an actual forcible and violent entry of or exit from the premises), or Holdup including Robbery,
Electronic Equipment
Covers electronic equipments (e.g. computers, printers, fax, UPS) e.t.c., against any unforeseen sudden physical loss or damage unless excluded specifically,
Portable equipments
Covers portable equipments e.g. laptops e.t.c., against any loss, destruction or damage by Fire, Riots and strikes, Theft by visible physical forcible and violent means and accidental occurrence unless excluded specifically,
Machinery breakdown
Provides cover for unforeseen and sudden physical damage due to electrical or mechanical breakdown e.g. airconditioners, refrigerators, photocopying machines,
Money
- Money in Safe
Covers loss of money (cash, bank notes, currency notes / coins, bank drafts, cheques, postal orders, money orders, treasury notes, current postage and revenue stamps) belonging to the business of the insured whilst securely kept in the insured premises and loss or damage to any safe, strong room or cash box securing money, - Money in Transit
Covers loss of money belonging to the business of the insured whilst in transit between the business premises and / or premises of insured's bankers and / or locations or specified,
Plate Glass
Covers loss or damage to the Plate glass completely and securely fixed in the insured premises by accidental means,
Neon Sign
Covers loss or damage to the neon / glow sign securely fixed in the insured premises by accidental means including Fire, Riot and strikes,
Workmen's Compensation
Covers You for your liability under the Workmen's Compensation Act' 1923 and /or Fatal accidents Act'1855 and / or Common law to pay compensation to employees for bodily injury or death caused due to accidents/occupational diseases arising out of and in course of employment,
Personal Accident
Cover death / disablity caused to your employees due to sudden, unforseen, uncontrollable and unexpected physical event caused by external, violent and visible means
Public liability
Protects You against your legal liability in respect of accidental bodily injury to third parties and or accidental loss and /or damage to property belonging to third parties,
Baggage
Covers loss, destruction or damage to the accompanied personal baggage of the Insured,
Fidelity Guarantee
Insures You against direct financial loss due to fraud or dishonesty of the employee.
