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

HOME INSURANCE : Our home is where heart is! It is a very precious possession for us where we spend our lifetime with our loved ones. Its safety is also our priority.

Home Insurance is a contract entered between a customer (the insured) and an insurance company (the insurer), wherein the insurer agrees to pay the insured to rebuild your home and replace everything in it damaged on account of any disaster as mentioned in the policy.

This is a package policy of various sections which covers household / domestic property including items of property therein for which a householder is accountable and / or legally liable.

Coverages under Home Insurance:

FIRE AND ALLIED PERILS :

Natural calamities, such as fire, lightning, earthquake, landslide, rockslide, flood, inundation, storm, tempest, typhoon, hurricane, tornado, or cyclone.

Man-made calamities, such as domestic gas explosions, overflow and bursting of water tank or pipes, damage caused by aircrafts, riots, strikes, malicious or terrorist acts

• BURGLARY AND HOUSE BREAKING
• LOSS OF INSURED JEWELRY
• ELECTRICAL AND MECHANICAL APPLIANCES such as refrigerators, washing machines, air-conditioners etc.
• FIXED PLATE GLASS and sanitary fittings, including cost of frame, lettering, painting etc. The cover also applies to accidental damage to your appliances caused by the breakage.
• PERSONAL BAGGAGE
• PERSONAL ACCIDENT- protects you and your family members against accidents and violence, leading to bodily injury, disablement (permanent or temporary), or death.
• LEGAL LIABILITY TO DOMESTIC SERVANTS- protects you against liability to the general public for accidental death, bodily injury, or property damage. It also provides you cover for any liability towards your employees under the Workmen's Compensation Act for any injury or death in the course of their employment.
• LEGAL LIABILITY - to pay compensation to third parties in accordance with Indian Law

Additional Covers :

• Terrorism cover
• Debris removal cost
• Professional fees towards architects, surveyors, etc.
• Cost of moving contents of your home to a temporary residence
• Increase in sum insured throughout the year to guard against inflation
• Loss of rent for landlord

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.

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