The policy covers buildings (including those under construction), Plant, Machinery and Equipment including Hospital & Office Equipment, Instruments, tools and various kind of accessories, Electrical installations, Furniture, Fixtures and Fittings, all kind of Stocks related to respective industry and trade, Books, Periodicals and Stationery, Household Articles,etc.

Fire
Lightning
Explosion/Implosion
Storm, Tempest, Flood, Inundation (STFI)
Subsidence, Landslide, Rockslide
Aircraft damage
Missile testing Operations
Bush fire
Riot, Strike, Malicious Damage (RSMD)
Bursting and/or overflowing of water tanks, apparatus and pipes
Leakage from automatic sprinkler installation
Architect's fees and cost of removal of debris as per policy terms
Temporary removal of plant and machinery

The policy provides for following extensions (Add On Covers):

Architect's, Surveyor's and Consulting Engineers' fees exceeding the policy terms
Removal of debris exceeding the policy terms
Deterioration of stocks in cold storage resulting from accidental power failure due to an insured peril
Deterioration of stocks in cold storage consequent to change in temperature
Forest Fire
Impact damage due to insured's own vehicle
Spontaneous Combustion
Omission to Insure additions, alternation or extensions
Earthquake (Fire and shock)
Terrorism
Spoilage material damage, leakage and contamination
Loss of rent
Temporary removal of stocks
Additional expenses for rent for an alternative accommodation
Start up expenses

This policy is designed to provide financial compensation against loss or damage to property contained in the premises by acts of Burglary and or Housebreaking.

It specifically covers property contents in the premises, stocks/goods owned by policy holder or held in trust and/or commission. It also covers cash, valuables, securities kept in a locked safe or cash box in locked steel cupboard on specific request.

The Policy can be extended to cover Riot, Strike, Malicious Damage and Theft. Further, policies can be issued on declaration basis and on floater basis for stocks.

This type of insurance is considered as a package policy of various sections which covers business assets, stock-in-trade and equipment in a shop including items of property and legal liability, if any, incurred while carrying on trade/business at the shop/office.

The Policy Covers :

• FIRE AND ALLIED PERILS : Structure & Contents are covered from Natural calamities such as fire, lightning, earthquake, landslide or rockslide damage, flood, inundation, storm, tempest, typhoon, hurricane, tornado, or cyclone. Also, Man-made calamities such as explosion of gas in domestic appliances, bursting and overflows of water tanks, apparatus, or pipes, damage caused by aircraft, riots, strikes, malicious, or terrorist acts are covered under this policy.
• BURGLARY AND HOUSE BREAKING
• ELECTRICAL AND MECHANICAL APPLIANCES
• FIXED PLATE GLASS
• ACCIDENTAL DAMAGE TO NEON SIGN AND/OR GLOW SIGN AND/ OR HOARDING
• FIDELITY GUARANTEE : Coverage offered against direct financial loss due to fraud or dishonesty of a specified employee. The employer sets a guarantee amount against the specified employee's name
• LEGAL LIABILITY TO EMPLOYEES : Coverage provides for liabilities under the Workmen's Compensation Act 1923, Fatal Accidents Act 1855, and Common law to pay compensation to employees for bodily injury or death caused due to accidents or occupational diseases during the course of employment.
• MONEY INSURANCE : Coverage offered for loss of money at insured premises or while transporting it, due to accidents, hold-ups, break-ins, robberies, etc.
• BUSINESS INTERRUPTION : Coverage provides for the loss of income that includes increased cost of working due to damage to your property caused by fire and its associated perils that is an interruption to your profession or business.

This is a package policy which is specially designed for jewelers & diamond merchants. These policies are are categorized into Class I, II or III depending upon the type of security provided for the premises. The policy comprises four sections out of which section 1 is compulsory.

• Section 1 : Covers loss or damage to jewellery , gold and silver ornaments or plates , pearls, precious stones, cash and currency notes whilst contained in the premises insured, by fire, explosion, lightning, burglary, house breaking, theft, hold up, robbery, riot, strike and malicious damage and terrorism.
• Section 2 : Covers loss or damage to jewellery, gold etc. as described in Section I whilst it is in the custody of the insured, his/her partners, employees, directors, sorters of diamonds or whilst such property (excluding cash and currency notes) is in the custody of brokers, agents, cutters and goldsmiths.
• Section 3 : Covers loss or damage to property described in Section I whilst in transit by registered parcel post, air freight or through courier companies.
• Section 4 : Covers loss or damage to trade and 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.

Under this policy, coverage is offered for loss of money in transit between the insured's premises and bank or post office, or other specified places in case of robbery, theft or any other fortuitous cause is occurred.The policy also covers loss by burglary or housebreaking whilst money is retained at Insured's premises in safe(s) or strong room.

• Section I : Covers money in transit under the following heads: Cash, Cheques,Bank Drafts, Currency Notes, Treasury Notes, Postal Orders and current Postage Stamps.
• Section II : Covers money in safe / on premises