This section covers Buildings of construction other than
Contents excluding money and valuables are covered under this
The coverage under this Section are against the perils of :-
c) Explosion / Implosion
d) Aircraft Damage
e) Riot, Strike, Malicious and Terrorism Damage
f) Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood
g) Impact Damage
h) Subsidence and Landslide including rock slide
i) Bursting and/or overflowing of Water Tanks, Apparatus and
j) Missile Testing operations
k) Leakage from Automatic Sprinkler Installations
l) Bush Fire
2.Section 2 - Burglary & Robbery
The Section covers loss or damage by actual or attempted
burglary and/or robbery during the policy period in respect of the
(a) Contents or any part thereof whilst kept in the insured
(b) Insured premises ( including reasonable costs for damaged
(c) Money contained in Safe or Strong Room
(d) Money from cashier's till and/or counter.
3.Section 3- Money
This Section will indemnify you in respect of money in transit,
carried by you or your authorised employee(s), occasioned by theft,
robbery or any other fortuitous event.
4.Section 4- Plate Glass and Neon Signs/Glow Signs
This Section covers:
1. Accidental loss of damage to Plate Glass/Neon Signs/Glow
2.Damage to frame and framework of any description following
breakage of Glass and/or Neon Boards/glow signs subject to a
maximum of Rs 5000/-.
3.The cost of tinting, lettering, painting, embossing, silvering
or any other ornamental work on the replacement Glass, provided
that such costs have been included in the Sum Insured of the Glass
under this Section.
5.Section 5- Electronic Equipment
This Section covers:-
1. Loss or damage to Electronic Equipment due to perils unless
2. Loss or damage to External Data Media and/or costs of
restoring information and data stored therein.
6.Section 6- Breakdown of Business Equipments
The section covers the business appliances/ apparatus such as
Air Conditioners, Freezers etc against unforeseen and sudden
physical damage caused by or solely due to mechanical or electrical
7.Section 7-Personal Accident
This section covers Bodily injury to you or your employees named
in the Policy resulting to the death or disablement leading to:
Loss of sight
Physical separation of or loss of ability to use both hands or
Physical separation of or loss of ability to use one hand and/or
Loss of sight of one eye and physical separation of or loss of
ability to use
either one hand or one foot
Permanent Total disablement
8.Section 8- Fidelity Guarantee
This Section covers you against any direct pecuniary loss caused
by act of fraud or dishonesty committed by any salaried person
employed by you in the insured premises.
9.Section 9-Public Liability
This Section covers you against legal liability including the
Defence costs incurred by you against
(a) Third Part Property Damage
(b) Third Party injury/death
Caused in the course of the Business by an accident in your
business premises if notified during the policy period.
10.Section 10- Workmen's Compensation
This Section provides you cover against liability towards your
Workmen under the Workmen's Compensation Act, Fatal Accident Act
and at Common Law.
11.Section 11 - Business Interruption
This Section covers your financial losses due to business
interruption arising out of any of the perils covered under section
1 of the Policy.
(For more details, please refer to