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Burglary and Housebreaking
Covers loss or damage to the contents of your shop against burglary and housebreaking.
Mechanical and Electrical Appliances
Provides coverage against mechanical and electrical breakdown of electrical/mechanical appliances, apparatus or gadgets contained in your shop.
Electronic Equipment
Provides all risk cover for electronic appliances such as medical equipment, electronic installations, data carrying materials and software contained in your shop
Money Insurance
Provides coverage to loss of money against accident and misfortune while in:
• Transit from the business premises to bank and vice versa
• Safe at the shop
• Till at the shop.
Baggage
Compensates for loss of baggage of proprietor, partner, principal officer or any other permanent employee of the firm while undertaking travel for official purposes.
Fixed Plate Glass and Sanitary Fittings
Covers loss or damage to fixed plate glass and sanitary fittings due to accidental damage.
Neon 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 compensation against accidental death or bodily injury to the principal officers/employees of the business. Education grant and carriage of dead body are also paid for. Further, on payment of additional premium, it also provides the option of medical extension.
Infidelity/Dishonesty of employees
Covers loss or damage to your business against direct pecuniary loss caused by dishonest acts of your employees.
Legal Liability
Provides compensation to the employees for accidents arising out and in the course of employment. Also provides cover for legal liability to third parties.
Policy Exclusions
At Reliance General Insurance, we would like our policy to be as transparent as possible. To ensure that you do not face any unpleasant surprises when you make a claim, we would like you to know some of the major exclusions under the policy.
This policy does not cover
• Loss or damage due to war and nuclear perils
• Loss or damage due to wear and tear and gradually developing flaws
• Consequential loss of any kind
• Excess as specified
• Loss without substantiation or mysterious disappearance
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