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National Industrial Insurance

Erection All Risks Insurance

Contractors All Risks Insurance

Salient Features
The policy compensates individual against death , loss of limbs , loss of eyesight, permanent total disablement, permanent partial disablement and temporary total disablement , solely and directly resulting from accidental injuries.

Scope of Cover
Fire, lightning, explosion, impact, flood, inundation, storm, earthquake, subsidence, landslide, theft, burglary, riot and strike and terrorist damage.

For Whom
Either Principals or contractor can take the policy.

Buildings, bridges, tunnels, canals, roads etc.

Deductible excess, faulty design, inventory loss.

Commences from the time of commencement of cover or unloading of the property at the Contractors site and expires on the date specified.The cover also ceases for part of the contract work taken over by the principal prior to the expiry date.

Machinery Insurance

Salient Features
Almost all stationery capital equipments can be covered under M.I. Policy. The broad categories are two namely. Electrical Machinery and non-electrical Machinery.

Scope of Cover
Machinery Insurance is against unforeseen and sudden physical damage to the insured machinery from causes such as
•  Faulty material, design, construction, erection
•  Vibration, maladjustments, malalignment
•  Defective lubrication, loosening of parts, molecular fatigue, self heating, explosion due to internal pressure, implosion due to external pressure or internal vacuum, abnormal stress, centrifugal force.
•  Excessive electric pressure, failure of insulation, short circuit, open circuit, or arching including damage by internal fire so set up.
•  Failure of connected machinery or protective devices.
•  Lack of skill, carelessness or malice of persons, whether insured employee or not.
•  Falling, impact, collision and the like.

Sum Insured
The S.I. of each individual item must represent its new replacement value including transportation cost to site, customs dues and other installation cost.
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