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Section 1A Fire
& Allied perils as per Fire Policy A.
Property Insured.
The buildings including :
a) The
Landlords Fixture and Fittings &
b) Boundary
Walls and Fences.
c) Other
Property (specified)
d) Sanitary
Fittings
e) Canteen
Belonging to the insured or for which he/she is
responsible.
Section 1B Fire & Allied Perils as per Fire
Policy A.
Property Insured :
Contents such as
a)
Furniture, Furnishing, Safes, Fixtures, Fittings, stationery
b)
Documents such as Telephone, Gas & Electric Motors,
manuscripts, drawings, Designs etc.
c)
Office Appliances/ Electronic equipments
d)
Clothing and
personal effects ( except for
property otherwise insured and Jewellery, Money & Fur) (Limit Rs.5000/-
per person)
e)
Tenants improvement/decorations/Alterations to the portion
of the premises occupied by the Insured.
f)
Any other property (please specify)
g)
Canteen Contents.
h)
Lift.
Section 1C Business
Interruption
If the Business is interrupted during the currency of the policy
by :
a) Damage
occurring at the office premises for which the company has admitted Liability
under Section 1A or 1B.
b) Damage
to Electronic equipments installed for which liability has been admitted
Under Section VI.
c)
Denial of access to the office as a direct consequence of damage to
property in the vicinity by any peril or risk included under
specified perils of sections IX and or section 1B.
The Company will pay to the
insured the amount of loss in respect of following items.
i)
the Gross Income including increased cost of working.
ii) on additional
expenditure
iii) on accountants charge.
Section 1D
Insurance of Rent for Alternative Accommodation
Tenant or owner occupant.
Section 1E - Loss
of Rent
This section shall reimburse towards loss of rent to
the insured following a valid claim under Section 1A of the policy where the premises have been
rendered untenable And/or unfit for occupation.
Section 2
Damage to the Premises
consequent upon insured peril-liability limited to 5% of S.I., mentioned in
the schedule. Burglary House breaking/robbery of the contents of the office.
The Sum Insured under Sec.
1B and Sec.2 must be the same.
Section 3 Plate
Glass
Cover : Loss/Damage to fixed plate glass in the insured premises by accidental breakage.
Section 4 Neon Sign/Glow
Sign
Cover : Loss or damage to Neon Sign/Glow Sign by
accidental external
means/Theft, burglary/RSDMD/Fire /Natural
Calamities/Impact of Vehicles and Animals.
Section 5 Breakdown of Office Appliances
Cover: Electrical/Mechanical
Breakage of Office Appliances.
Section 6A - Electronic Equipments
Loss/damage due to any cause to
(a) electronic Equipment installations (b) Date carrying material while
contained in the office.
Section 6B Portable Computers
Cover : Loss or damage to
Portable Computers while being used by the officials Of the Insured on
journeys to places by Train or Road or Air as accompanied one in accordance
with coverage of Section 6A.
Section 7 Loss of Money
Cover Loss of money in
transit by Robbery, theft or any other fortuitous cause and loss of money by
burglary, housebreaking, robbery or hold up while money is retained at
insured premises, in safe or strong room.
Section 8 Pedal Cycle
Cover : As per
Fire Policy A Burglary, House Breakings, Theft etc.
Section
9 Baggage
Cover : All Risk
Section 10 Personal
Accident Insurance for Employees
Section 11 Mediclaim Insurance for Employees
Section 12 Infidelity Insurance
Cover : Indemnity against direct pecuniary loss caused
by act of fraud or dishonestly
committed by any salaried person permanently employed by or with the insured in the office up to the amount
stated in the schedule.
Section 13 Cost of Re-instatement of Data / Programme
Cover : IN the event of damage to data contained
in or on data carrying materials or to programmes caused by specified perils
covered under Sec-6 here in above, the company will indemnify the insured
against the cost of reinstating such data on data carrying materials and for programmes replaced up to amount
stated in the schedule.
Section 14 Tenants Legal Liability
Cover Insured Legal Liability for damage to
the buildings and landlords fixtures/fittings caused during the currency of
the policy by the perils covered under Section 1A.
Section 15A Third Party
Liability
Section 15B Workmens
Compensation Insurance
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