Office Package Insurance

Scope of Cover

• Fire & Allied Perils – Covers damage to office property due to fire, lightning, explosion, implosion, and natural disasters.
• Additional Cover for Earthquake & Terrorism – Provides extended protection against earthquakes and terrorist attacks.
• Burglary & Housebreaking – Covers loss or damage to office assets due to burglary, theft, or forced entry.
• Money Insurance – Protects against loss of cash during transit and while stored in a safe within office premises.
• Plate Glass – Covers accidental damage to fixed glass panels, doors, and windows.
• Breakdown of Appliances – Covers repair or replacement of essential office machinery due to unexpected breakdowns.
• Baggage Insurance – Covers loss or damage to official baggage during business travel.
• Electronic Equipment Insurance – Protects office electronic equipment such as computers, servers, and networking devices.
• Fidelity Guarantee – Covers financial losses due to employee dishonesty, theft, or fraud.
• Public Liability – Covers legal liabilities for third-party injuries or property damage within the office premises.
• All Risks (Portable Equipment) – Covers portable office equipment against theft, accidental damage, and loss.

Indicative Premiums & Recommendation

The premium amount depends on office size, location, asset value, coverage limits, and risk factors like burglary history and security measures. This policy is recommended for startups, SMEs, corporates, and professional firms requiring comprehensive and cost-effective insurance coverage.