Life and General Insurance

You have probably invested heavily into your business. Untoward incidents can leave you vulnerable to severe financial loss, and hence, your work premises and other infrastructure need to be protected. With Reliance Office Insurance, you can be stress free, as it offers a comprehensive protection plan for your office premises. This policy provides insurance for offices that include:

 

• Commercial offices

• Government offices

• ITES and BPO Call Centre Offices

• Software Development Office

• Office premises (Outside industrial, manufacturing, warehouse premises)

 

Key Benefits:

 

• ​Single policy that covers most of the risks

• Breakdown of office equipment, including electronic equipment and laptops covered

• Accident coverage

• Provides for legal liabilities to third parties

• Pays additional rent while your business is moving into new premises

• Terrorism cover available with additional premium​

 

​ Office Package Policy Coverage

 

The policy covers your business against:

 

• Fire and Allied Perils Covers the structure of your business premises and contents therein, against:

- Fire
- Lightning
- Explosion/implosion
- Aircraft damage
- Riots, strikes, and malicious damage
- Storm, cyclone, typhoon, tempest, hurricane, tornado, flood and inundation
- Impact damage
- Subsidence and land-slide including rock-slide
- Bursting and/or overflowing of water tanks, apparatus, and pipes
- Missile testing operations
- Leakage from automatic sprinkler installation
- Bush fire
- Earthquake (fire and shock)

 

• Burglary and Housebreaking

- Cover for housebreaking, theft, and larceny of office contents

 

• Machinery Breakdown

- Cover for breakdown of electrical/mechanical appliances
- Cover for apparatus or gadgets in your premises

 

• Electronic Equipment and Appliances

- Provides all-risk cover for electronic appliances such as medical equipment
- Cover for loss of electronic installations, data carrying material, and software

 

• Money Insurance

Provides coverage for loss of money due to accidents or a misfortune while in:
- Transit from the business premises to the bank and vice versa
- A safe at the business premises
- A till at the business premises

 

• Baggage

- Compensates for loss of baggage while on travel for official purposes

 

• Fixed Plate Glass and Sanitary Fittings

- Covers loss or damage to fixed plate glass
- Covers accidental damage to sanitary fittings

 

• 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 to all employees
- Education grant and carriage of dead body are also paid for
- Provides the option of medical extension

 

• Infidelity/Dishonesty of employees

- Covers loss or damage caused by the dishonest acts of employees

 

• Legal Liability - To employee

- 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 you are moving your business into new premises

 

​Office Package Policy Exclusions

 

The policy does not cover, among other things:

 

• Mysterious disappearances or other unexplained losses

• Excess amount as mentioned in the policy schedule

• Loss or damage due to actions of any lawfully constituted authority

• Consequential loss of any kind

• Loss or damage due to wear and tear and gradual deterioration

• Loss or damage due to war and nuclear perils