|
 |
 |
 |
Reliance General Corporate Insurance |
|
 |
|
Features
Your office, which is the place of your professional success, has been built with much of your time and money. However, it is constantly exposed to various kinds of risks. An unfortunate occurrence might disrupt the customary functioning of it, bringing a huge financial burden to your business and on you. Although you cannot guard your business from all possible risks, but with the Reliance Office Package Policy, you can choose those risks, which you want to protect your office against and also determine the extent of cover against each risk.
Key Benefits
• Single policy to enhance convenience
• Specially designed structure to meet the insurance requirement of your office
• Judicial management of loss assessment and fund allocation based on clear indemnity guidelines
• Option to customise the policy from a list of 12 specific covers
• Terrorism cover available with additional premium
Policy Coverage
• Fire and Allied Perils - covers the office building and contents against perils such as fire, earthquake, storm, lightening, floods, explosions, impact damage, earthquake etc
• Burglary and Housebreaking - protects office contents against burglary, housebreaking, theft and larceny
• Machinery breakdown - covers electrical and mechanical breakdown of equipments / appliances
• Electrical and Electronic Appliances - provides all risk cover for electronic appliances such as medical equipment, electronic installations, data carrying materials and software
• Money Insurance - Covers loss of money against accident and misfortune while in:
a). transit from the business premises to bank and vice versa
b). safe at the business premises
c). till at the business premises
• Baggage - coverage for the proprietor, partner, principal officer or permanent employee against loss of baggage due to accident or misfortune during an official travel
• Fixed Plate Glass and Sanitary Fittings - covers loss or damage to fixed plate glass and sanitary fittings due to accidental damage
• New Sign/Glow Sign/Hoarding - provides coverage to office publicity tools such as neon signs and hoardings against risks such as fire, lightening, explosion, theft, malicious damage, etc
• Personal Accident - provides for financial compensation to the insured person and his/her family in the event of death or disablement due to accident. This can be further extended to cover medical expenses incurred in the event of a valid claim under this section.
• Infidelity/Dishonesty of Employees - covers loss or damage to the business against direct pecuniary loss caused by dishonest acts of your employees
• Legal Liability - To employees - provides compensation to the employees for accidents arising out of and in the course of employment.
• Legal Liability - To Third parties - cover for legal liability to third parties
• Additional Rent for Alternative Accommodation - pays for additional rent incurred in moving the business to a new premises in the event of existing premises being destroyed due to fire and allied perils
Exclusions
The policy does not cover, among other things:
• Loss or damage due to war and nuclear perils
• Loss or damage due to wear and tear and gradual deterioration
• Consequential loss of any kind
• Loss or damage due to actions of any lawfully constituted authority
• Excess amount as mentioned in the policy schedule
• Mysterious disappearance or other unexplained losses
Who can apply?
This policy provides insurance for offices. It may include:
• Commercial offices
• Government offices
• ITES and BPO Call Center Offices
• Software Development Office
• Office premises (Outside industrial, manufacturing, warehouse premises)
|
| |
|
|
 |
 Top Providers |
 |
ICICI Prudential Life |
|
SBI Life Insurance |
|
Life Insurance Corp. |
|
Bajaj Allianz Insurance |
|
United India Insurance |
|
|
| |
|
|
|
