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HDFC Chubb Shop Insurance

This policy is suitable for individual, small and medium and large business establishments to cover property contained in the premises, stocks owned or for which insured is responsible or held in trust and/or commission against loss or damage caused by burglary (i.e. theft following upon an actual forcible and violent entry of and / or exit from the premises) and robbery or hold-up in respect of contents of offices, warehouses, shops, etc.

The policy also pays for damage caused to the premises resulting from actual or attempted burglary/ housebreaking.

The policy covers:
Any loss of or damage to property belonging to the insured or held in trust or on commission for which he is responsible or any part thereof whilst contained in the premises described in the schedule hereto due to burglary or house-breaking (theft following upon an actual forcible and violent entry of and/or exit from the premises) or hold-up;

Damage caused to the premises resulting from burglary and/or housebreaking or any attempt thereat, any time during the period of insurance upto 5% of the sum insured for all contents.

Provided always that the liability of the company shall in no case exceed the sum insured stated against each item or total sum insured stated in the schedule.

‘First loss ’ facility is available where the entire property cannot be burgled/stolen at any single event.
Floater facility is available if more than one location needs to be covered.

•  Gold or silver articles, watches or jewellery or precious stones or models or coins or curios, sculptures, manuscripts, rare books, plans, medals, moulds, designs, deeds, bonds, bills of exchange, bank, treasury or promissory notes, cheque, money, securities, stamps, collection of stamps, business books or papers, unless specifically insured.
• Any goods lying in open unless specifically insured.
• Infidelity of inmate or member of the insured´s household or his business
•  Riot and strike, civil commotion, terrorist activities, earthquake, flood, storm, volcanic eruption, typhoon, hurricane, tornado, cyclone or other convulsions of nature or atmospheric disturbances.
• War, warlike perils
•  Ionizing radiation or contamination by radioactivity
• Weapons material.
•  Use of the key to the safe or any duplicate thereof belonging to the Insured
•  Loss or damage attributable to willful /gross negligence
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