Shopkeepers Insurance |
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This is a package policy
specially designed to meet the insurance requirements of
small shopkeeper engaged in trading and not in manufacturing
business, by combining the following standard policies as
different sections of the policy
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Section I (A& B) |
Fire & Allied Perils |
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Section II |
Burglary including theft |
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Section III |
Money (in transit, in
locked safe & on counter) |
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Section IV |
Pedal Cycle |
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Section V |
Fixed Plate Glass |
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Section VI |
Neon/ Glow Sign |
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Section VII |
Baggage |
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Section VIII |
Personal Accident |
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Section IX |
Fidelity Guarantee |
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Section X |
Public Liability |
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Section XI |
Loss of Profit due to
Business Interruption |
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Features: |
- A shopkeeper can select
any combination from above sections subject to minimum of
4 sections with sec IB & II being compulsory
- Discount on premium is
available depending on the numbers of sections opted for
insurance.
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Jewellers Insurance |
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This is a package policy
specially designed to meet the insurance requirements of
jewellers and those dealing in diamonds (wholesalers
or retailers) not engaged in manufacturing like cutters &
goldsmiths, by combining the following standard policies as
different sections - |
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Section I |
Covers loss or damage to
property & cash in lockers whilst contained in the
premises insured, by fire, explosion, lightning,
burglary, house breaking, theft, hold up, robbery, riot,
strike and malicious damage and terrorism |
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Section II |
Covers loss or damage to
property (excluding cash) carried and conveyed
outside the insured's premises for the purpose of
insured's business or whilst is in the custody of
brokers, agents, cutters and goldsmiths |
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Section III |
Covers loss or damage to
property (excluding cash) whilst in transit by
registered parcel post, air freight or through angadia |
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Section IV |
Covers loss or damage to
office furniture and fixtures in insured premises
due to fire, explosion, lightning, burglary, house
breaking, theft, hold up, robbery, riot, strike and
malicious damage and terrorism |
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Features : |
- Premium is based upon the type of security provided
for the premises
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Bankers Insurance |
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This is a package policy
specially designed to meet the insurance requirements of
banking sector. The policy comprises of following 7 sections
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A |
Covers
money and/or securities whilst on it's own premises,
against loss or destruction by Fire, Riot & Strike,
Malicious damage, Terrorist act, Burglary, Theft,
Robbery or Hold-up |
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B |
Covers
money and/or securities whilst in transit in by
employees whether by negligence or fraud |
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C |
Covers
losses due to Forgery or Alteration |
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D |
Covers
loss of money and/or securities due to dishonest/
criminal act of employees |
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E |
Covers
loss to Hypothecated Goods |
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F |
Covers
loss of registered postal, provided that each post
parcel is insured with the post office |
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G |
Covers
loss due to infidelity or criminal act on the part of
appraisers/ agents |
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Features : |
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Single policy covering all branches of the bank
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Discount in premium for banks having less than 500
branches
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Covers loss on retroactive basis provided the policy
has been continuously renewed without break
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Marine Cargo Insurance |
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The policy covers goods
against loss or damage whilst being transported (Inland,
Import, Export) by rail, road, sea and/or air. The insurance
can be taken either by Seller or Buyer. Following different
type of policies are available - |
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Inland Transit |
Specific Policy - for single consignment |
| Open
Policy - for regular consignments |
| Special
Declaration Policy - for value of goods transported
in a year is more than 2 cr. |
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Import / Export |
Specific Policy - for single consignment |
| Open
Cover - for clients having substantial turnover of
import/ export |
| Custom
Duty Cover - covers loss of custom duty |
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Features: |
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Freely assignable and an
agreed value policy
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Policies can be issued
to cover different types of risks ranging from ALL RISK to
a restricted FIRE RISK ONLY.
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Inland transit policies
can be extended to cover FOB (Free On Board) and /or SRCC
(Strike, Riot and Civil Commotion) by charging additional
premium
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Export /Import policies
can be extended to cover War and /or SRCC (Strike, Riot
and Civil Commotion) by charging additional premium
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