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United India Industrial Insurance

Industrial All Risk Policy

We Cover
All the risks other than petro chemical risks having a minimum sum insured of 100 crores are covered here.

Perils Covered
The scope of the cover can be divided into two sections
•  Fire & all covers
•  burglary and theft
•  Machinery breakdown / Boiler explosion / Electronic Equipment Insurance
•  Consequential Loss following Fire ( FLOP )
•  Machinery Loss of Profit

What is not Covered ?
The exclusions are elaborated under two sections : excluded causes & excluded property

Excluded causes
•  Faulty design, materials , workmanship and construction
•  Interruption loss due to failure of gas , electricity and water supply
•  Collapse or cracking of buildings
•  larceny, fraud or dishonesty
•  wilfull negligence on the part of insured
•  war group of perils
•  nuclear group of perils
•  destruction of property by public order

Excluded Property
•  Money , cheques , securities of any description , jewellery , works of art , goods held in trust or on commision , computer system records
•  Vehicles licensed for road use
•  Property in transit outside premises
•  Properties or structures in course of erection or demolition unless specifically covered.
•  Land , pavements , railway and road lines untill specifically covered
•  Property damaged as a result of its undergoing some process
•  Livestock , growing crops or trees
•  Property removed to other locations exceeding 60 days
•  Loss payable to the property covered under marine / other policies
•  Insured´s lack of sufficient capital
•  Any restrictions imposed by any public authorities
•  Loss of bussiness due to cancellation of order / Lease
•  Damage to boilers , machinery , economizers and data equipment
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