– Storm, cyclone, typhoon, tempest, hurricane, tornado, flood, and inundation
– Impact damage due to rail road vehicle or animal not belonging to insured, subsidence, landslide including rockslide
– Bursting and/or overflowing of water tanks, apparatus, and pipes
– Leakage from automatic sprinkler installations
2.Burglary and Housebreaking: – Covers all contents against burglary, housebreaking (theft following upon actual forcible and violent entry or exit from the premises), holdup, including robbery
3.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 insured business while securely kept in the insured premises, and loss or damage to any safe, strong room, or cash box securing money
4.Money in Transit: – Covers loss of money belonging to the insured business while in transit between the business premises, premises of insured’s bankers, or specified locations
5.Electronic Equipment: – Covers electronic equipment (e.g., computers, printers, fax, UPS) against any unforeseen sudden physical loss or damage unless specifically excluded
6.Portable Equipment: – Covers portable equipment (e.g., laptops) against loss, destruction, or damage by fire, riots, strikes, theft by visible physical forcible and violent means, and accidental occurrence unless specifically excluded
7.Machinery Breakdown: – Provides cover for unforeseen and sudden physical damage due to electrical or mechanical breakdown (e.g., air conditioners, refrigerators, photocopying machines)
8.Plate Glass: – Covers loss or damage to plate glass completely and securely fixed in the insured premises by accidental means
9.Neon Sign: – Covers loss or damage to neon/glow signs securely fixed in the insured premises by accidental means, including fire, riots, and strikes
10.Workmen’s Compensation: – Covers liability under the Workmen’s Compensation Act 1923 and/or Fatal Accidents Act 1855 and/or common law to pay compensation to employees for bodily injury or death caused by accidents/occupational diseases arising out of and in the course of employment
11.Personal Accident: – Covers death/disability of employees due to sudden, unforeseen, uncontrollable, and unexpected physical events caused by external, violent, and visible means
12.Public Liability: – Protects against legal liability for accidental bodily injury to third parties and accidental loss and/or damage to third-party property
13.Baggage: – Covers loss, destruction, or damage to the accompanied personal baggage of the insured
14.Fidelity Guarantee: – Insures against direct financial loss due to fraud or dishonesty of an employee
