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corporate_insurance
 
 

Corporate Cover

CORPORATE COVER (Office Package) INSURANCE

INTRODUCTION

It is a comprehensive policy which is generally used for covering offices in order to cover the loss or damage which has occurred through fire, earthquake, flood, riot, burglary, cash in safe and while in transit, legal liability etc.

COVERAGES UNDER THE POLICY:

Fire

It covers loss or damage to buildings and contents due to fire, lightening, strike, riot, storm, cyclone, flood etc.

Burglary

It covers any loss or damage caused by burglary or attempt of burglary to contents in office

All risk

It covers loss or damage to equipment in office, mobile equipment’s such as laptop, mobile or phone.

Cost of data reinstatement

It covers for the cost that is incurred in restoring the data that is lost because of an insured peril

Money (In Safe & In Transit)

It covers loss of money due to burglary of cash in safe place or in transit from office to bank/atm and bank to office.

Fidelity

It covers financial losses due to fraud or dishonest act of salaried employees of office.

Cheque forgery

Loss occurred due to alteration of cheques, drafts or any negotiable instruments.

Personal accident

Bodily injuries because of accident resulting in death or permanent total disability. It also provides for ambulance charges upto Rs 2000 and in the event of death for carriage of dead body

Public liability

This cover provides for legal liability on behalf of the proposer for accidental death or bodily injury to third party excluding resident employee or domestic staff as well as accidental damage to third party property.

Glass breakage

This covers loss or damage to any fixed plain glass caused by an accident, external and visible means

Mediclaim

This covers terms and conditions of mediclaim section

Professional indemnity

This cover provides for legal liability to the insured arising because of professional errors

Employer's liability

Covers legal liability to salaried employees

Tenant's legal liability

It provides for legal liability imposed on prosper, due to unintentional property damage for loss or damage to the property caused by fire, explosion or water damage to the premises in the form of building or contents owned by or belonging to another used by the insured in the capacity of a tenant or a person holding them in custody for which the proposer is legally responsible.

ADD ON COVERS:

  • Earthquake
  • Terrorism
  • Escalation
  • Loss of rent
  • Additional Rent for alternative accommodation

EXCLUSIONS IN POLICY:

  • In case the actual value of the sum insured is less when compared to the loss occurred under fire then claim would be reduced in the same proportion
  • Willful destruction of property
  • Loss or damage or destruction due to war perils, wear and tear atmospheric conditions etc.
  • Loss occurred if the dwelling is empty for more than 30 days
  • Any loss of content under fire policy, burglary whose value is greater than 10,000 cannot be covered unless specified in proposal form

This is not an exhaustive list. For details, please read our policy terms and conditions.