Commercial Package Policy

Comprehensive package coverage for various property risks, such industrial units, warehouses, educational institutions, hotels etc.

Structure & building, Plant & machinery, Electrical & electronic equipment, Furniture fixtures & fittings, Stocks etc.

Safeguard your business against risk of fire damage, burglary, business interruption, money in transit & machinery breakdown and more with a policy designed to keep your business running smoothly

Flexibility to choose coverage options that best suit the specific needs of your business

Covers damages due to fire, lightning, explosion, aircraft damage, riot, strike, malicious damage, storm, cyclone, typhoon, tempest, hurricane, tornado, flood, and inundation

Covers loss or damage to property and contents due to burglary or theft, including break-in attempts. Option to cover at 25% first loss basis

Covers loss of money due to theft, robbery, or burglary while in transit or stored in a locked safe within the office premises

Covers accidental breakage of fixed glass fittings, including display windows and partitions within the office

Covers accidental damage, breakdown, and theft of computers, servers, and other electronic equipment used in the office

Covers income loss due to business disruptions

Covers accidental death, permanent total disability, permanent partial disability, and temporary total disability of employees

Covers legal liability of the employer for accidental injury to employees during their work

Covers third-party legal liability arising out of accidental bodily injury or property damage occurring within the office premises

Please read policy wording for detailed inclusions

Covers accidental damage to property or contents, like spills or breaks

Regular maintenance and wear-and-tear damages

Losses due to war & nuclear hazards

Loss or damage caused by wilful acts or gross negligence by the insured or their representatives

Losses from deliberate acts by the insured or representatives

Loss or damage arising from illegal activities or acts committed by the insured

Deductible or Excess as mentioned in policy schedule

Please read policy wording for detailed exclusions

Covers accidental damage to property or contents, like spills or breaks

Covers damage to appliances from electrical faults or power surges

Covers damage from physical impacts, like a car or tree hitting your property

Covers damage from snow, like roof collapse or falling ice

Small, quick, and inexpensive construction or renovation projects

Allows contract price increase if material or labor costs rise

Protects against paying for unauthorized property improvements

Insured may immediately begin repairs or reconstruction work of the insured property so that the normal operations return back to normal

Many more add-ons options available