Your office which is the place of your professional success has been built with much of your time and money. However, it is constantly exposed to many risks; and an unfortunate mishap could disrupt business routines, leading to serious financial issues. Safeguard your office against perils with the Reliance Office Package Policy.You can choose the risks and the extent of cover required.
The policy covers your business against:
Fire and Allied Perils
- Covers the office building and contents against perils such as
- Fire, earthquake, storm
- Lightning, floods, explosions
- Impact damage, earthquake etc
Burglary and Housebreaking
- Cover for burglary, housebreaking, theft and larceny of office contents
Machinery Breakdown
- Cover for electrical/mechanical breakdown of equipment/appliances
Electronic Equipment and Appliances
- Provides all risk cover for electronic appliances such as medical equipment
- Cover for loss of electronic installations, data carrying materials and software
Money Insurance
- Covers loss of money against accident and misfortune while in:
- Transit from the business premises to bank and vice versa.
- A safe at the business premises.
- A till at the business premises.
Baggage
- Compensates for loss of baggage of specified employees while traveling for official purposes
Fixed Plate Glass and Sanitary Fittings
- Covers loss or damage to fixed plate glass due to accidental damage
- Sanitary fittings also covered
Neon Sign/Glow Sign/Hoarding
- Cover to office publicity tools such as neon signs and hoardings against all risks
Personal Accident
- Compensation for accidental death or bodily injury
- Provides the option of medical extension
Infidelity/Dishonesty of employees
- Covers loss or damage caused by dishonest acts of employees
Legal Liability - To employees
- Compensation for accidents arising out of and in the course of employment
Legal Liability - To Third parties
- Provides cover for legal liability to third parties
Additional Rent for Alternative Accommodation
- Pays additional rent while moving business to new premises, if existing premises were destroyed due to fire and allied perils
The policy does not cover, among other things:
- Loss or damage due to war and nuclear perils
- Loss or damage due to wear and tear and gradual deterioration
- Consequential loss of any kind
- Loss or damage due to actions of any lawfully constituted authority
- Excess amount as mentioned in the policy schedule
- Mysterious disappearance or other unexplained losses
This policy provides insurance for offices. It may include:
- Commercial offices
- Government offices
- ITES and BPO call center offices
- Software development office
- Office premises (outside industrial, manufacturing, and warehouse premises)
