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OFFICE PACKAGE INSURANCE



OFFICE PACKAGE INSURANCE.
THE TOTAL PACKAGE SOLUTION’S FOR YOUR OFFICE.
In Order to safeguard your business interest from the place you work in it is advisable to have an Office Package Insurance.
Coverage at a glance.
¨       Standard Fire & Allied Perils :- One can insure society buildings / property against damage due to Fire , Lighting, Explosion/ Implosion, Aircraft damage, Riot, Strike Malicious damage, Impact damage, Bursting of Overhead water tanks & Missile testing operations.
¨      Add On Covers :-
Earthquake, Terrorism, Storm, Flood, and Tempest, Inundation can be covered by paying additional premium.
¨      Some Common Covers Available Under This Package :-
1.     Burglary: - Covers all contents covered under standard fire and allied perils section against buglary / housebreaking / theft following violent & forcible entry or exit from the premises.
2.    Money In Safe :- Covers loss of money (cash, bank notes, currency notes / coins, bank drafts, cheques, postal orders, money orders, treasury notes, current postage and revenue stamps) belonging to the business of the insured whilst securely kept in the insured premises and loss or damage to any safe, strong room or cash box securing money.
3.    Money In Transit :- Covers loss of money belonging to the business of the insured whilst in transit between the business premises and / or premises of insured's bankers and / or locations or specified.
4.    Electronic Equipments :- Covers electronic equipments (e.g. computers, printers, fax, UPS) e.t.c., against any unforeseen sudden physical loss or damage unless excluded specifically.
5.    Portable Equipments :- Covers portable equipments e.g. laptops e.t.c., against any loss, destruction or damage by Fire, Riots and strikes, Theft by visible physical forcible and violent means and accidental occurrence unless excluded specifically.
6.    Plate Glass :- Covers loss or damage to the Plate glass completely and securely fixed in the insured premises by accidental means.
7.    Neon Sign :-  Covers loss or damage to the neon / glow sign securely fixed in the insured premises by accidental means including Fire, Riot and strikes.
8.     Personal Accident: - Cover death / disability caused to your employees due to sudden, unforeseen, uncontrollable and unexpected physical event caused by external, violent and visible means.
9.     Public Liability :- Protects You against your legal liability in respect of accidental bodily injury to third parties and or accidental loss and /or damage to property belonging to third parties
10.           Fidelity Guarantee: - Insures you against direct financial loss due to fraud or dishonesty of the employee.
IMPORTANT EXCLUSIONS:-
Loss Destruction or Damage caused by :-
¨       War or War like operations.
¨       Ionising, radiation, contamination by radioactivity, nuclear fuels or waste.
¨       Pollution or contamination losses.
¨       Loss or earnings.
¨      Burglary: Loss, Destruction or damage caused by:
¨       Fire or explosions
¨       Inmates or member of the insured's household or business staff.
¨       Electronic Equipment: Loss, destruction, or damage caused by
¨       Wear & Tear
¨       Faults or detects existing at the time of commencement of insurance within the knowledge of insured or his representative.
¨       Portable Equipment: Loss, destruction or damage caused by
¨       Process of cleaning, restoring, repairing or deterioration arising from wear and tear, moth vermin, insects or any other gradually occurring cause;
¨       Detention or confiscation by customs or other authorities.
¨       Consequential losses or legal liability of any kind.
¨       Machinery Breakdown: Loss, destruction or damage caused by
¨       Willful act or neglect or gross negligence.
¨       Deterioration or wearing away / out by normal use.
¨       Money: Loss caused by
¨       Collusion by any employee or agent of the Insured.
¨       Use of keys or duplicate keys.
¨       Use of counterfeit money.
¨       Plate Glass & Neon Signboard: Loss, destruction, or damage caused by
¨       Scratches & Cracks,Whilst removing, replacing or in course of alteration
¨       Workmen's compensation: Liability arising out of:
¨       Willful or intentional non compliance of any statutory provision.

Fines, penalties, punitive and / or exemplary damages.

TO KNOW MORE WRITE IN 
planmyinsurance@gmail.com
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